Eagle Bancorp Financials

EBMT Stock  USD 16.56  0.11  0.67%   
Based on the analysis of Eagle Bancorp's profitability, liquidity, and operating efficiency, Eagle Bancorp Montana is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in December. At this time, Eagle Bancorp's Property Plant And Equipment Net is comparatively stable compared to the past year. Net Debt is likely to gain to about 220.7 M in 2024, whereas Accounts Payable is likely to drop slightly above 28.9 M in 2024. Key indicators impacting Eagle Bancorp's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.240.1201
Way Up
Slightly volatile
Return On Assets0.00580.0048
Fairly Up
Pretty Stable
Return On Equity0.05230.0594
Fairly Down
Slightly volatile
Debt Equity Ratio0.420.4372
Sufficiently Down
Slightly volatile
Operating Income1.7 M1.8 M
Notably Down
Slightly volatile
Current Ratio0.460.32
Way Up
Slightly volatile
Investors should never underestimate Eagle Bancorp's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Eagle Bancorp's cash flow, debt, and profitability to make informed and accurate decisions about investing in Eagle Bancorp Montana.

Net Income

6.6 Million

  
Understanding current and past Eagle Bancorp Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Eagle Bancorp's financial statements are interrelated, with each one affecting the others. For example, an increase in Eagle Bancorp's assets may result in an increase in income on the income statement.
Please note, the imprecision that can be found in Eagle Bancorp's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Eagle Bancorp Montana. Check Eagle Bancorp's Beneish M Score to see the likelihood of Eagle Bancorp's management manipulating its earnings.

Eagle Bancorp Stock Summary

Eagle Bancorp competes with Home Federal, First Financial, First Northwest, First Capital, and Community West. Eagle Bancorp Montana, Inc. operates as the bank holding company for Opportunity Bank of Montana that provides various retail banking products and services to small businesses and individuals in Montana. Eagle Bancorp Montana, Inc. was founded in 1922 and is headquartered in Helena, Montana. Eagle Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 352 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS26942G1004
CUSIP26942G100
LocationMontana; U.S.A
Business Address1400 Prospect Avenue,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.opportunitybank.com
Phone406 442 3080
CurrencyUSD - US Dollar

Eagle Bancorp Key Financial Ratios

Eagle Bancorp Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets1.1B1.3B1.4B1.9B2.1B2.2B
Other Liab3.4M5.2M5.9M6.4M7.4M7.7M
Retained Earnings55.4M74.0M85.4M92.0M96.0M53.2M
Accounts Payable9.8M24.3M1.2B26.5M30.4M28.9M
Cash22.4M62.2M54.6M21.8M24.5M17.4M
Other Assets706.1M771.8M729.5M1.1B1.2B1.3B
Long Term Debt24.9M29.8M34.9M128.2M234.7M246.5M
Inventory(29.5M)(75.6M)(67.2M)(34.4M)(1.5B)(1.4B)
Total Liab113.8M47.3M35.5M1.8B1.9B2.0B
Treasury Stock(3.6M)(4.4M)(7.3M)(11.3M)(10.2M)(9.7M)
Intangible Assets11.5M12.4M15.5M22.9M21.7M22.8M
Common Stock57K67K71K85K97.8K54.4K
Net Debt90.9M(15.3M)(19.7M)106.4M210.2M220.7M
Net Receivables4.6M5.8M5.8M11.3M12.5M13.1M
Other Current Assets29.5M75.6M67.2M34.4M37.0M35.2M
Total Current Assets153.8M230.9M331.6M382.6M24.5M23.3M
Other Current Liab448.9M681.4M849.7M1.3B754.3M587.4M
Net Tangible Assets103.0M129.8M134.2M116.2M133.6M84.9M
Good Will12.1M15.8M20.8M34.7M40.0M41.9M
Long Term Debt Total24.9M29.8M29.9M58.8M67.7M71.1M
Capital Surpluse68.8M77.6M80.8M109.2M125.5M131.8M

Eagle Bancorp Key Income Statement Accounts

The reason investors look at the income statement is to determine what Eagle Bancorp's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Interest Expense7.7M6.5M3.2M6.2M29.1M30.6M
Total Revenue61.6M90.4M91.6M4.3M83.7M87.9M
Gross Profit61.6M90.4M91.6M4.3M83.7M87.9M
Operating Income14.0M28.4M19.3M26.4M1.8M1.7M
Income Before Tax14.0M28.4M19.3M13.8M11.7M8.5M
Net Income10.9M21.2M14.4M10.7M10.1M6.6M
Income Tax Expense3.1M7.2M4.9M3.1M1.6M1.9M
Ebit14.0M38.8M15.7M22.1M1.8M1.7M
Ebitda15.0M42.4M19.9M27.7M9.7M15.5M
Tax Provision3.1M7.2M4.9M3.1M2.7M3.2M
Net Interest Income38.4M42.8M46.3M63.0M64.3M42.3M
Interest Income46.1M49.3M49.5M69.2M86.8M49.8M

Eagle Bancorp Key Cash Accounts

201920202021202220232024 (projected)
Dividends Paid2.4M2.6M3.0M4.1M4.4M4.7M
Capital Expenditures10.5M20.6M12.2M16.8M14.2M14.9M
Net Income10.9M21.2M14.4M10.7M10.1M6.6M
End Period Cash Flow24.9M69.8M61.4M21.8M24.5M19.1M
Change In Cash13.7M44.9M(8.4M)(39.6M)2.7M2.9M
Free Cash Flow(10.2M)(18.5M)44.2M25.1M(4.8M)(4.6M)
Depreciation4.7M7.1M7.8M7.7M7.9M8.3M
Other Non Cash Items(16.3M)(25.5M)29.3M19.7M(4.3M)(4.1M)
Investments(59.6M)(5.1M)(214.2M)(231.5M)(148.2M)(140.8M)
Change Receivables158K(180K)14K(2.8M)(2.5M)(2.4M)
Change To Netincome(16.0M)(26.5M)29.6M20.9M24.1M25.3M
Net Borrowings177K(24.1M)(12.1M)988K889.2K781.2K

Eagle Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Eagle Bancorp's current stock value. Our valuation model uses many indicators to compare Eagle Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Eagle Bancorp competition to find correlations between indicators driving Eagle Bancorp's intrinsic value. More Info.
Eagle Bancorp Montana is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.08  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Eagle Bancorp Montana is roughly  12.70 . At this time, Eagle Bancorp's Return On Equity is comparatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Eagle Bancorp by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Eagle Bancorp Montana Systematic Risk

Eagle Bancorp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Eagle Bancorp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty-four with a total number of output elements of thirty-seven. The Beta measures systematic risk based on how returns on Eagle Bancorp Montana correlated with the market. If Beta is less than 0 Eagle Bancorp generally moves in the opposite direction as compared to the market. If Eagle Bancorp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Eagle Bancorp Montana is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Eagle Bancorp is generally in the same direction as the market. If Beta > 1 Eagle Bancorp moves generally in the same direction as, but more than the movement of the benchmark.

Eagle Bancorp Thematic Clasifications

Eagle Bancorp Montana is part of Banking investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. USA Equities from Banking industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions
BankingView
This theme covers USA Equities from Banking industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions. Get More Thematic Ideas
Today, most investors in Eagle Bancorp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Eagle Bancorp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Eagle Bancorp growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(1.05)

At this time, Eagle Bancorp's Price Earnings To Growth Ratio is comparatively stable compared to the past year.

Eagle Bancorp November 22, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Eagle Bancorp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Eagle Bancorp Montana. We use our internally-developed statistical techniques to arrive at the intrinsic value of Eagle Bancorp Montana based on widely used predictive technical indicators. In general, we focus on analyzing Eagle Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Eagle Bancorp's daily price indicators and compare them against related drivers.

Additional Tools for Eagle Stock Analysis

When running Eagle Bancorp's price analysis, check to measure Eagle Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Eagle Bancorp is operating at the current time. Most of Eagle Bancorp's value examination focuses on studying past and present price action to predict the probability of Eagle Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Eagle Bancorp's price. Additionally, you may evaluate how the addition of Eagle Bancorp to your portfolios can decrease your overall portfolio volatility.