Eagle Bancorp Montana, Inc. (EBMT) Financial Ratios
17 years of historical data (2009–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
9.43
↓-14% vs avg
5yr avg: 11.00
30Y Low3.1·High24.6
P/FCF
↑
6.52
+18% vs avg
5yr avg: 5.51
30Y Low3.5·High13.9
P/B Ratio
↓
0.95
+20% vs avg
5yr avg: 0.79
30Y Low0.6·High1.4
ROE
↓
8.1%
↓+12% vs avg
5yr avg: 7.2%
30Y Low4%·High15%
Debt/EBITDA
↑
3.20
↓-51% vs avg
5yr avg: 6.46
30Y Low1.1·High16.8
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
EBMT Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Eagle Bancorp Montana, Inc. trades at 12.2x earnings, 7% above its 5-year average of 11.4x, sitting at the 24th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 10%. On a free-cash-flow basis, the stock trades at 6.5x P/FCF, 18% above the 5-year average of 5.5x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $185M | $156M | $120M | $123M | $119M | $153M | $145M | $138M | $91M | $87M | $82M |
| Enterprise Value | $243M | $214M | $289M | $333M | $226M | $133M | $129M | $229M | $206M | $187M | $172M |
| P/E Ratio → | 12.21 | 10.47 | 12.36 | 12.24 | 11.14 | 10.59 | 6.82 | 12.66 | 18.13 | 21.16 | 15.98 |
| P/S Ratio | 1.47 | 1.24 | 1.00 | 1.09 | 1.27 | 1.64 | 1.60 | 1.99 | 1.96 | 2.08 | 2.05 |
| P/B Ratio | 0.95 | 0.81 | 0.69 | 0.73 | 0.75 | 0.98 | 0.95 | 1.13 | 0.96 | 1.04 | 1.37 |
| P/FCF | 6.52 | 5.49 | 8.33 | — | 4.75 | 3.46 | — | — | 13.92 | 5.24 | 7.68 |
| P/OCF | 5.58 | 4.70 | 4.22 | 13.17 | 2.85 | 2.71 | 68.33 | 376.23 | 6.68 | 4.32 | 6.34 |
P/E links to full P/E history page with 30-year chart
EBMT EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Eagle Bancorp Montana, Inc.'s enterprise value stands at 9.4x EBITDA, 14% below its 5-year average of 11.0x. The Financial Services sector median is 11.4x, placing the stock at a 17% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.70 | 2.40 | 2.96 | 2.41 | 1.43 | 1.43 | 3.31 | 4.46 | 4.50 | 4.31 |
| EV / EBITDA | 9.43 | 8.30 | 14.25 | 17.05 | 10.47 | 4.91 | 3.05 | 12.24 | 22.74 | 21.46 | 17.74 |
| EV / EBIT | 12.84 | 11.31 | 25.37 | 28.60 | 16.30 | 6.91 | — | 16.37 | 35.02 | 30.00 | 24.79 |
| EV / FCF | — | 7.55 | 19.98 | — | 8.98 | 3.01 | — | — | 31.72 | 11.32 | 16.14 |
EBMT Profitability
Margins and return-on-capital ratios measuring operating efficiency
Eagle Bancorp Montana, Inc. earns an operating margin of 15.0%, below the Financial Services sector average of 20.3%. Operating margins have expanded from 10.4% to 15.0% over the past 3 years, signaling improving operational efficiency. ROE of 8.1% is modest, trailing the sector median of 9.0%. ROIC of 4.4% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 70.9% | 70.9% | 65.7% | 72.8% | 91.3% | 95.6% | 100.0% | 85.0% | 86.9% | 87.2% | 87.6% |
| Operating Margin | 15.0% | 15.0% | 9.5% | 10.4% | 14.8% | 20.7% | — | 20.2% | 12.7% | 15.0% | 17.4% |
| Net Profit Margin | 11.8% | 11.8% | 8.1% | 8.9% | 11.4% | 15.5% | 23.5% | 15.7% | 10.8% | 9.9% | 12.9% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.1% | 8.1% | 5.7% | 6.1% | 6.8% | 9.3% | 15.4% | 10.0% | 5.6% | 5.7% | 8.9% |
| ROA | 0.7% | 0.7% | 0.5% | 0.5% | 0.6% | 1.1% | 1.8% | 1.1% | 0.6% | 0.6% | 0.8% |
| ROIC | 4.4% | 4.4% | 2.2% | 2.5% | 4.3% | 7.4% | — | 4.6% | 2.1% | 2.7% | 3.5% |
| ROCE | 1.8% | 1.8% | 2.6% | 3.2% | 5.8% | 9.8% | — | 6.1% | 2.9% | 3.6% | 4.7% |
EBMT Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Eagle Bancorp Montana, Inc. carries a Debt/EBITDA ratio of 3.2x, which is moderately leveraged (25% below the sector average of 4.3x). Net debt stands at $58M ($82M total debt minus $24M cash). Interest coverage of just 0.5x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.43 | 0.43 | 1.14 | 1.39 | 0.81 | 0.22 | 0.31 | 0.93 | 1.34 | 1.29 | 1.64 |
| Debt / EBITDA | 3.20 | 3.20 | 9.86 | 12.01 | 5.95 | 1.29 | 1.10 | 6.07 | 14.00 | 12.37 | 10.06 |
| Net Debt / Equity | — | 0.30 | 0.96 | 1.24 | 0.67 | -0.13 | -0.10 | 0.75 | 1.22 | 1.20 | 1.51 |
| Net Debt / EBITDA | 2.26 | 2.26 | 8.31 | 10.75 | 4.94 | -0.73 | -0.36 | 4.87 | 12.76 | 11.52 | 9.30 |
| Debt / FCF | — | 2.06 | 11.66 | — | 4.23 | -0.45 | — | — | 17.81 | 6.07 | 8.46 |
| Interest Coverage | 0.53 | 0.53 | 0.28 | 0.40 | 2.25 | 6.01 | -1.09 | 1.81 | 1.16 | 1.52 | 2.22 |
EBMT Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.71x is below 1.0, meaning current liabilities exceed current assets. The current ratio has improved from 0.22x to 0.71x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.71 | 0.71 | 0.10 | 0.22 | 0.23 | 0.27 | 0.22 | 0.19 | 0.25 | 0.27 | 0.27 |
| Quick Ratio | 0.71 | 0.71 | 0.10 | 0.22 | 0.23 | 0.27 | 0.22 | 0.19 | 0.25 | 0.27 | 0.27 |
| Cash Ratio | 0.05 | 0.05 | 0.02 | 0.02 | 0.01 | 0.04 | 0.06 | 0.03 | 0.02 | 0.01 | 0.01 |
| Asset Turnover | — | 0.06 | 0.06 | 0.05 | 0.05 | 0.06 | 0.07 | 0.07 | 0.05 | 0.06 | 0.06 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
EBMT Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Eagle Bancorp Montana, Inc. returns 3.4% to shareholders annually — split between a 2.5% dividend yield and 0.9% buyback yield. The payout ratio of 30.9% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 8.2% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.5% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 30.9% | 30.9% | 46.4% | 44.2% | 37.9% | 20.9% | 12.3% | 22.1% | 40.0% | 34.2% | 23.2% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.2% | 9.5% | 8.1% | 8.2% | 9.0% | 9.4% | 14.7% | 7.9% | 5.5% | 4.7% | 6.3% |
| FCF Yield | 15.3% | 18.2% | 12.0% | — | 21.1% | 28.9% | — | — | 7.2% | 19.1% | 13.0% |
| Buyback Yield | 0.9% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 3.4% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $8M | $8M | $8M | $7M | $7M | $7M | $6M | $5M | $4M | $4M |
Peer Comparison
Compare EBMT with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 EBMTYou | $185M | 12.2 | 9.4 | 6.5 | 70.9% | 15.0% | 8.1% | 4.4% | 3.2 |
 MSBI | $634M | -4.8 | — | 5.3 | 57.4% | -22.1% | -19.5% | -7.3% | — |
 FIBK | $4B | 12.5 | 10.2 | 12.9 | 97.5% | 37.0% | 8.9% | 5.9% | 2.0 |
 GBCI | $6B | 24.6 | 24.5 | 18.3 | 69.0% | 22.9% | 6.4% | 3.5% | 7.9 |
 WAFD | $3B | 14.0 | 13.3 | 13.6 | 50.9% | 20.5% | 7.5% | 3.9% | 6.1 |
 NWBI | $2B | 15.9 | 14.2 | 15.1 | 68.3% | 18.8% | 7.2% | 5.6% | 2.7 |
 CZWI | $213M | 15.2 | 16.4 | 20.5 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 HFBL | $62M | 16.0 | 8.3 | 11.4 | 63.9% | 14.4% | 7.2% | 5.9% | 0.7 |
 BSVN | $438M | 10.1 | 3.3 | 10.6 | 70.2% | 41.4% | 18.6% | 18.3% | — |
 HAFC | $938M | 12.5 | 8.9 | 4.6 | 57.5% | 24.3% | 10.0% | 7.4% | 2.5 |
 CBNK | $546M | 9.8 | 7.7 | 8.1 | 73.6% | 23.3% | 15.1% | 12.6% | 0.7 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 17 years · Updated daily
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EBMT — Frequently Asked Questions
Quick answers to the most common questions about buying EBMT stock.
What is Eagle Bancorp Montana, Inc.'s P/E ratio?
Eagle Bancorp Montana, Inc.'s current P/E ratio is 12.2x. The historical average is 15.2x. This places it at the 24th percentile of its historical range.
What is Eagle Bancorp Montana, Inc.'s EV/EBITDA?
Eagle Bancorp Montana, Inc.'s current EV/EBITDA is 9.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 15.3x.
What is Eagle Bancorp Montana, Inc.'s ROE?
Eagle Bancorp Montana, Inc.'s return on equity (ROE) is 8.1%. The historical average is 6.6%.
Is EBMT stock overvalued?
Based on historical data, Eagle Bancorp Montana, Inc. is trading at a P/E of 12.2x. This is at the 24th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Eagle Bancorp Montana, Inc.'s dividend yield?
Eagle Bancorp Montana, Inc.'s current dividend yield is 2.52% with a payout ratio of 30.9%.
What are Eagle Bancorp Montana, Inc.'s profit margins?
Eagle Bancorp Montana, Inc. has 70.9% gross margin and 15.0% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Eagle Bancorp Montana, Inc. have?
Eagle Bancorp Montana, Inc.'s Debt/EBITDA ratio is 3.2x, indicating high leverage. A ratio between 2-4x is manageable but warrants monitoring.