Eagle Bancorp Montana (FRA:8F5) Moat Score: 3/10 (As of Jul. 06, 2026)


FRA:8F5 Eagle Bancorp Montana Inc FRA:8F5
57 GF Score
Price €20.40
GF Value €15.21
! 8 Warning Signs
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What is Eagle Bancorp Montana Moat Score?

Eagle Bancorp Montana FRA:8F5 -3.77% 57 Moat Score is 3 as of Jul. 06, 2026. GuruFocus rates FRA:8F5 with a GF Score™ of 57/100 and a GF Value™ of €15.21. The stock has 8 warning signs investors should review. Among 1,612 Banks companies, Eagle Bancorp Montana ranks better than 74.57% on this metric.

Eagle Bancorp Montana has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Eagle Bancorp Montana has No Moat: Eagle Bancorp Montana operates in a competitive banking sector with limited market share and customer switching costs. It lacks significant brand strength or regulatory barriers, resulting in a very weak moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Eagle Bancorp Montana might have No Moat - Very weak/transient advantages.

Eagle Bancorp Montana  (FRA:8F5) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Eagle Bancorp Montana Moat Score Related Terms

FRA:8F5 vs OAKC, BVFL, FXLG: Moat Score Comparison

For the Banks - Regional subindustry, Eagle Bancorp Montana's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Eagle Bancorp Montana Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Eagle Bancorp Montana's Moat Score distribution charts can be found below:

* The bar in red indicates where Eagle Bancorp Montana's Moat Score falls into.


FRA:8F5
57GF Score
Eagle Bancorp Montana Inc FRA:8F5
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Eagle Bancorp Montana (FRA:8F5) has a Moat Score of 3 as of Jul. 06, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Eagle Bancorp Montana ranks #410 out of 1612 companies in the Banks industry, placing it in the top 25.4%.
Is Eagle Bancorp Montana's Moat Score too high?
Eagle Bancorp Montana's current Moat Score is 3. Based on the distribution chart, Eagle Bancorp Montana ranks #410 out of 1612 companies in the Banks industry, which is above the industry midpoint. Overall, Eagle Bancorp Montana has a GF Score™ of 57/100, reflecting its overall financial health beyond just this single metric.
How does Eagle Bancorp Montana's Moat Score compare to OAKC and BVFL?
According to the Banks industry distribution chart, Eagle Bancorp Montana ranks #410 out of 1612 companies for Moat Score. This puts Eagle Bancorp Montana in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Eagle Bancorp Montana's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Eagle Bancorp Montana stock overvalued right now?
Eagle Bancorp Montana (FRA:8F5) has a current Moat Score of 3. The stock's GF Value™ is €15.21, compared to a current price of €20.40 — trading 34.1% above its estimated fair value. The current Moat Score is 3. Eagle Bancorp Montana's overall GF Score™ is 57/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Eagle Bancorp Montana (FRA:8F5), the current Moat Score is 3 as of Jul. 06, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Eagle Bancorp Montana (FRA:8F5) Overvalued in 2026?

Based on GuruFocus' analysis, Eagle Bancorp Montana stock appears to be overvalued. The current stock price of €20.40 is trading 34.1% above its estimated GF Value™ of €15.21.

Key valuation signals for FRA:8F5:

  • Moat Score: 3
  • GF Value™: €15.21 vs. price of €20.40 (34.1% above fair value)
  • GF Score™: 57/100 with 8 warning signs

No single metric tells the full story. See the FRA:8F5 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Eagle Bancorp Montana Business Description

Other Exchanges EBMT:USA
Address 1400 Prospect Avenue, P.O. Box 4999, Helena, MT, USA, 59604
Eagle Bancorp Montana Inc operates as a bank holding company. It provides loan and deposit services. The company focuses on residential loans, commercial real estate loans, commercial loans, consumer loans, and home equity loan products. The bank also offers deposit accounts which include checking, savings, money market, individual retirement accounts, and certificates of deposit accounts. It is a diversified lender with a focus on residential mortgage loans, commercial real estate mortgage loans, commercial business loans, agricultural loans, and second mortgage/home equity loan products.
57GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€20.40
Price
€15.21
GF Value