Eagle Bancorp Montana (FRA:8F5) Net Debt Paydown Yield % : 58.43% (As of Jul. 17, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:8F5 Eagle Bancorp Montana Inc FRA:8F5
57 GF Score
Price €20.40
GF Value €14.97
! 8 Warning Signs
View Full Analysis

What is Eagle Bancorp Montana Net Debt Paydown Yield %?

Eagle Bancorp Montana FRA:8F5 +0.99% 57 Net Debt Paydown Yield % is 58.43% as of Jul. 17, 2026. GuruFocus rates FRA:8F5 with a GF Score™ of 57/100 and a GF Value™ of €14.97. The stock has 8 warning signs investors should review. Among 1,418 Banks companies, Eagle Bancorp Montana ranks better than 96.9% on this metric.

Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt. As of today, Eagle Bancorp Montana's Net Debt Paydown Yield % was 58.43%.


Eagle Bancorp Montana  (FRA:8F5) Net Debt Paydown Yield % Explanation

Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.

In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.

We calculating the TTM average debt by adding up the total debt, calculated by the sum of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation, in the trailing twelve months(TTM) divided by the counts of the total debt, accoring to the company's report frequency.


Eagle Bancorp Montana Net Debt Paydown Yield % Related Terms


Eagle Bancorp Montana Net Debt Paydown Yield % Historical Data

* Premium members only.

The historical data trend for Eagle Bancorp Montana's Net Debt Paydown Yield % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Eagle Bancorp Montana Net Debt Paydown Yield % Chart

Eagle Bancorp Montana Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Debt Paydown Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 37.77 -33.79 -118.43 -4.88 57.70

Eagle Bancorp Montana Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Debt Paydown Yield % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 8.15 23.20 51.42 57.70 68.03

FRA:8F5 vs OAKC, BVFL, FXLG: Net Debt Paydown Yield % Comparison

For the Banks - Regional subindustry, Eagle Bancorp Montana's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Banks Industry

For the Banks industry and Financial Services sector, Eagle Bancorp Montana's Net Debt Paydown Yield % distribution charts can be found below:

* The bar in red indicates where Eagle Bancorp Montana's Net Debt Paydown Yield % falls into.


FRA:8F5
57GF Score
Eagle Bancorp Montana Inc FRA:8F5
Net Debt Paydown Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Eagle Bancorp Montana Net Debt Paydown Yield % Calculation

Eagle Bancorp Montana's Net Debt Paydown Yield % for the quarter that ended in Mar. 2026 is calculated as:

Net Debt Paydown Yield %
=( TTM Average Debt   (1-Year Ago))-TTM Average Debt )/Market Cap
=( 212.05-101.17 )/140.184
=79.1 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.

What does a Net Debt Paydown Yield % of 58.43% mean?
Eagle Bancorp Montana (FRA:8F5) has a Net Debt Paydown Yield % of 58.43% as of Jul. 17, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Eagle Bancorp Montana and its competitors. According to the industry distribution chart, Eagle Bancorp Montana ranks #44 out of 1418 companies in the Banks industry, placing it in the top 3.1%.
Is Eagle Bancorp Montana's Net Debt Paydown Yield % too high?
Eagle Bancorp Montana's current Net Debt Paydown Yield % is 58.43%. Based on the distribution chart, Eagle Bancorp Montana ranks #44 out of 1418 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Net Debt Paydown Yield % compare to OAKC and BVFL?
According to the Banks industry distribution chart, Eagle Bancorp Montana ranks #44 out of 1418 companies for Net Debt Paydown Yield %. This places Eagle Bancorp Montana in the top 3% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Eagle Bancorp Montana and its competitors. Eagle Bancorp Montana's current Net Debt Paydown Yield % is 58.43%. 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 Net Debt Paydown Yield % of 58.43%. The stock's GF Value™ is €14.97, compared to a current price of €20.40 — trading 36.3% above its estimated fair value. The current Net Debt Paydown Yield % is 58.43%. 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 Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Eagle Bancorp Montana (FRA:8F5), the current Net Debt Paydown Yield % is 58.43% as of Jul. 17, 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 36.3% above its estimated GF Value™ of €14.97.

Key valuation signals for FRA:8F5:

  • Net Debt Paydown Yield %: 58.43%
  • GF Value™: €14.97 vs. price of €20.40 (36.3% 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

Get the complete analysis for FRA:8F5

Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€20.40
Price
€14.97
GF Value