Eagle Bancorp MontanaFRA:8F5 -0.50%55 Return-on-Tangible-Equity is 11.50% as of Mar. 2026, which is 9% above its 10-year median of 10.57. GuruFocus rates FRA:8F5 with a GF Score™ of 55/100 and a GF Value™ of €14.98. The stock has 8 warning signs investors should review. Among 1,521 Banks companies, Eagle Bancorp Montana ranks better than 53.45% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Eagle Bancorp Montana's annualized net income for the quarter that ended in Mar. 2026 was €13.78 Mil. Eagle Bancorp Montana's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €119.90 Mil. Therefore, Eagle Bancorp Montana's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 11.50%.
The historical rank and industry rank for Eagle Bancorp Montana's Return-on-Tangible-Equity or its related term are showing as below:
FRA:8F5'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 6.93 Med: 10.57 Max: 19.82
Current: 11.76
During the past 13 years, Eagle Bancorp Montana's highest Return-on-Tangible-Equity was 19.82%. The lowest was 6.93%. And the median was 10.57%.
FRA:8F5's Return-on-Tangible-Equity is ranked better than 53.45% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs FRA:8F5: 11.76
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Eagle Bancorp Montana Return-on-Tangible-Equity Related Terms
Eagle Bancorp Montana Return-on-Tangible-Equity Historical Data
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The historical data trend for Eagle Bancorp Montana's Return-on-Tangible-Equity 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.
FRA:8F5 vs OAKC, BVFL, FXLG: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Eagle Bancorp Montana's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Eagle Bancorp Montana's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Eagle Bancorp Montana's Return-on-Tangible-Equity falls into.
* 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 11.50% mean?
Eagle Bancorp Montana (FRA:8F5) has a Return-on-Tangible-Equity of 11.50% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Eagle Bancorp Montana and its competitors. This is near median its historical median of 10.57. Over the past decade, Eagle Bancorp Montana's Return-on-Tangible-Equity has ranged from 6.93 to 19.82. According to the industry distribution chart, Eagle Bancorp Montana ranks #708 out of 1521 companies in the Banks industry, placing it in the top 46.5%.
Is Eagle Bancorp Montana's Return-on-Tangible-Equity too high?
Eagle Bancorp Montana's current Return-on-Tangible-Equity of 11.50% is near median its 10-year median of 10.57. Over the past 10 years, this metric has ranged from a low of 6.93 to a high of 19.82. The Banks industry median Return-on-Tangible-Equity is 11.19. Eagle Bancorp Montana's value of 11.50% is 2.8% above this industry median. Based on the distribution chart, Eagle Bancorp Montana ranks #708 out of 1521 companies in the Banks industry, which is above the industry midpoint. Overall, Eagle Bancorp Montana has a GF Score™ of 55/100, reflecting its overall financial health beyond just this single metric.
How does Eagle Bancorp Montana's Return-on-Tangible-Equity compare to OAKC and BVFL?
According to the Banks industry distribution chart, Eagle Bancorp Montana ranks #708 out of 1521 companies for Return-on-Tangible-Equity. This puts Eagle Bancorp Montana in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Eagle Bancorp Montana's value of 11.50% is 2.8% above this benchmark. Historically, Eagle Bancorp Montana's own Return-on-Tangible-Equity has ranged from 6.93 to 19.82 over the past decade. While the company's 10-year median is 10.57 vs. the industry median of 11.19, Eagle Bancorp Montana has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Eagle Bancorp Montana's current Return-on-Tangible-Equity of 11.50% is 2.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Eagle Bancorp Montana and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Eagle Bancorp Montana's current Return-on-Tangible-Equity is 11.50%, which is near median its own 10-year median of 10.57. 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 Return-on-Tangible-Equity of 11.50%. The stock's GF Value™ is €14.98, compared to a current price of €19.90 — trading 32.8% above its estimated fair value. The current Return-on-Tangible-Equity is 11.50%, which is near median its 10-year median of 10.57 and 2.8% above the Banks industry median of 11.19. Eagle Bancorp Montana's overall GF Score™ is 55/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Eagle Bancorp Montana (FRA:8F5), the current Return-on-Tangible-Equity is 11.50% as of Mar. 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 €19.90 is trading 32.8% above its estimated GF Value™ of €14.98.
Key valuation signals for FRA:8F5:
Return-on-Tangible-Equity: 11.50% (near median its 10-year median of 10.57)
GF Value™: €14.98 vs. price of €19.90 (32.8% above fair value)
Industry Position: 2.8% above the Banks median (#708 of 1521)
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 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.
55GF Score
Get the complete analysis for FRA:8F5
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