Eagle Bancorp Montana, Inc. (EBMT) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

ECB Bancorp, Inc.

Summit State Bank (California)

FinWise Bancorp

First Savings Financial Group, Inc.

Investar Holding Corp.

First United Corp.

Eagle Bancorp Montana, Inc.

Citizens Community Bancorp, Inc. (Wisconsin)

Sound Financial Bancorp, Inc.

Union Bankshares, Inc. (Vermont)

BankFinancial Corp.

Why is Eagle Bancorp Montana, Inc. ?

Weak Long Term Fundamental Strength with Tier 1 Capital Adeqacy Ratio of 9.70%

A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Eagle Bancorp Montana, Inc. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Eagle Bancorp Montana, Inc.

20.13%

2.30

24.01%

S&P 500

13.68%

0.71

19.28%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

16.90%

EBIT Growth (5y)

-15.46%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

30.33%

Pledged Shares

Institutional Holding

57.97%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.91

EV to EBIT

13.40

EV to EBITDA

9.49

EV to Capital Employed

0.91

EV to Sales

1.65

PEG Ratio

0.22

Dividend Yield

2.65%

ROCE (Latest)

6.79%

ROE (Latest)

7.73%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

Bearish

Bollinger Bands

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

No Trend

Mildly Bullish

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

17What is working for the Company

NII(Q)

Highest at USD 19.16 MM

ROCE(HY)

Highest at 0.7%

OPERATING PROFIT(Q)

Highest at USD 6.08 MM

PRE-TAX PROFIT(Q)

Highest at USD 6.08 MM

OPERATING PROFIT MARGIN(Q)

Highest at 22.22 %

NET PROFIT(Q)

Highest at USD 4.73 MM

EPS(Q)

Highest at USD 0.6

-6What is not working for the Company

ROCE(HY)

Lowest at 0.7%

GROSS NPA (%)

DIVIDEND PAYOUT RATIO(Y)

Lowest at 23.99%

CREDIT DEPOSIT RATIO(HY)

Lowest at 85.26%

Here's what is working for Eagle Bancorp Montana, Inc.

NII

Highest at USD 19.16 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Operating Profit

Highest at USD 6.08 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Operating Profit trend is quite positive

Operating Profit (USD MM)

Pre-Tax Profit

Highest at USD 6.08 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Operating Profit Margin

Highest at 22.22 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

At USD 6.08 MM has Grown at 64.21%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 4.73 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.6

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Here's what is not working for Eagle Bancorp Montana, Inc.

Non Performing Loans (%)

Highest at 0.37%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Credit Deposit Ratio

Lowest at 85.26%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Dividend Payout Ratio

Lowest at 23.99%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)