Eagle Bancorp Montana Stock Z Score

EBMT Stock

USD 17.88 0.05 0.28%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out Eagle Bancorp Piotroski F Score and Eagle Bancorp Valuation analysis.

For more information on how to buy Eagle Stock please use our How to Invest in Eagle Bancorp guide.

At this time, Eagle Bancorp's Capital Surpluse is comparatively stable compared to the past year. Capital Expenditures is likely to gain to about 17.1 M in 2025, whereas Change In Working Capital is likely to drop (5.1 M) in 2025. At this time, Eagle Bancorp's Total Operating Expenses is comparatively stable compared to the past year. Total Other Income Expense Net is likely to gain to about 11.9 M in 2025, whereas Income Before Tax is likely to drop slightly above 8.5 M in 2025.

Eagle Bancorp Montana Company Z Score Analysis

Eagle Bancorp's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Eagle Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for Eagle Bancorp is extremely important. It helps to project a fair market value of Eagle Stock properly, considering its historical fundamentals such as Z Score. Since Eagle Bancorp's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Eagle Bancorp's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Eagle Bancorp's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Retained Earnings	Accounts Payable	Long Term Debt	Short Term Investments	Total Liab	Treasury Stock	Intangible Assets	Common Stock	Property Plant Equipment	Net Debt	Net Receivables	Total Current Assets	Net Tangible Assets	Good Will	Long Term Debt Total	Capital Surpluse	Long Term Investments	Short Long Term Debt	Short Term Debt	Earning Assets	Net Invested Capital	Capital Stock
Total Assets		0.96	0.99	0.11	0.83	0.91	0.83	-0.91	1.0	0.81	0.99	0.7	0.99	0.38	0.77	0.99	0.98	0.98	0.22	0.56	0.69	-0.55	0.79	0.94
Total Stockholder Equity	0.96		0.98	0.21	0.72	0.84	0.67	-0.83	0.96	0.86	0.97	0.55	0.92	0.5	0.87	0.96	0.94	0.98	0.34	0.57	0.54	-0.51	0.7	0.9
Retained Earnings	0.99	0.98		0.21	0.79	0.89	0.76	-0.9	0.99	0.81	1.0	0.61	0.96	0.45	0.81	0.98	0.96	0.98	0.23	0.54	0.61	-0.53	0.75	0.93
Accounts Payable	0.11	0.21	0.21		-0.13	0.14	-0.26	-0.19	0.13	0.13	0.18	-0.36	0.01	0.53	0.39	0.07	0.02	0.14	-0.11	0.02	-0.32	0.12	-0.14	0.09
Long Term Debt	0.83	0.72	0.79	-0.13		0.69	0.92	-0.78	0.81	0.53	0.77	0.92	0.86	-0.08	0.47	0.8	0.88	0.8	-0.16	0.59	0.84	-0.74	0.8	0.75
Short Term Investments	0.91	0.84	0.89	0.14	0.69		0.81	-0.81	0.9	0.76	0.91	0.59	0.9	0.36	0.6	0.91	0.87	0.85	0.06	0.4	0.61	-0.45	0.7	0.84
Total Liab	0.83	0.67	0.76	-0.26	0.92	0.81		-0.8	0.82	0.55	0.77	0.9	0.89	-0.03	0.36	0.83	0.87	0.77	-0.15	0.44	0.86	-0.61	0.82	0.78
Treasury Stock	-0.91	-0.83	-0.9	-0.19	-0.78	-0.81	-0.8		-0.92	-0.7	-0.91	-0.63	-0.92	-0.44	-0.71	-0.9	-0.91	-0.9	-0.06	-0.39	-0.61	0.33	-0.79	-0.92
Intangible Assets	1.0	0.96	0.99	0.13	0.81	0.9	0.82	-0.92		0.82	0.99	0.67	0.98	0.44	0.79	0.99	0.98	0.99	0.22	0.56	0.65	-0.53	0.78	0.94
Common Stock	0.81	0.86	0.81	0.13	0.53	0.76	0.55	-0.7	0.82		0.82	0.4	0.76	0.53	0.88	0.82	0.79	0.83	0.32	0.51	0.38	-0.19	0.75	0.85
Property Plant Equipment	0.99	0.97	1.0	0.18	0.77	0.91	0.77	-0.91	0.99	0.82		0.6	0.97	0.47	0.8	0.99	0.96	0.98	0.25	0.48	0.62	-0.48	0.76	0.95
Net Debt	0.7	0.55	0.61	-0.36	0.92	0.59	0.9	-0.63	0.67	0.4	0.6		0.76	-0.3	0.23	0.67	0.76	0.64	-0.14	0.48	0.95	-0.68	0.78	0.63
Net Receivables	0.99	0.92	0.96	0.01	0.86	0.9	0.89	-0.92	0.98	0.76	0.97	0.76		0.3	0.69	0.98	0.98	0.97	0.17	0.47	0.76	-0.54	0.84	0.95
Total Current Assets	0.38	0.5	0.45	0.53	-0.08	0.36	-0.03	-0.44	0.44	0.53	0.47	-0.3	0.3		0.69	0.4	0.34	0.46	0.39	0.15	-0.33	0.19	0.03	0.42
Net Tangible Assets	0.77	0.87	0.81	0.39	0.47	0.6	0.36	-0.71	0.79	0.88	0.8	0.23	0.69	0.69		0.76	0.74	0.83	0.41	0.49	0.2	-0.17	0.59	0.8
Good Will	0.99	0.96	0.98	0.07	0.8	0.91	0.83	-0.9	0.99	0.82	0.99	0.67	0.98	0.4	0.76		0.97	0.98	0.24	0.5	0.68	-0.51	0.79	0.94
Long Term Debt Total	0.98	0.94	0.96	0.02	0.88	0.87	0.87	-0.91	0.98	0.79	0.96	0.76	0.98	0.34	0.74	0.97		0.97	0.16	0.62	0.71	-0.6	0.81	0.92
Capital Surpluse	0.98	0.98	0.98	0.14	0.8	0.85	0.77	-0.9	0.99	0.83	0.98	0.64	0.97	0.46	0.83	0.98	0.97		0.27	0.52	0.63	-0.51	0.77	0.94
Long Term Investments	0.22	0.34	0.23	-0.11	-0.16	0.06	-0.15	-0.06	0.22	0.32	0.25	-0.14	0.17	0.39	0.41	0.24	0.16	0.27		0.1	-0.05	0.14	0.04	0.23
Short Long Term Debt	0.56	0.57	0.54	0.02	0.59	0.4	0.44	-0.39	0.56	0.51	0.48	0.48	0.47	0.15	0.49	0.5	0.62	0.52	0.1		0.31	-0.69	0.35	0.41
Short Term Debt	0.69	0.54	0.61	-0.32	0.84	0.61	0.86	-0.61	0.65	0.38	0.62	0.95	0.76	-0.33	0.2	0.68	0.71	0.63	-0.05	0.31		-0.57	0.79	0.63
Earning Assets	-0.55	-0.51	-0.53	0.12	-0.74	-0.45	-0.61	0.33	-0.53	-0.19	-0.48	-0.68	-0.54	0.19	-0.17	-0.51	-0.6	-0.51	0.14	-0.69	-0.57		-0.29	-0.34
Net Invested Capital	0.79	0.7	0.75	-0.14	0.8	0.7	0.82	-0.79	0.78	0.75	0.76	0.78	0.84	0.03	0.59	0.79	0.81	0.77	0.04	0.35	0.79	-0.29		0.89
Capital Stock	0.94	0.9	0.93	0.09	0.75	0.84	0.78	-0.92	0.94	0.85	0.95	0.63	0.95	0.42	0.8	0.94	0.92	0.94	0.23	0.41	0.63	-0.34	0.89

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict Eagle Bancorp

According to the company's disclosures, Eagle Bancorp Montana has a Z Score of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

Eagle Bancorp Current Valuation Drivers

We derive many important indicators used in calculating different scores of Eagle Bancorp from analyzing Eagle Bancorp's financial statements. These drivers represent accounts that assess Eagle Bancorp's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Eagle Bancorp's important valuation drivers and their relationship over time.

	2020	2021	2022	2023	2024	2025 (projected)
Market Cap	137.3M	144.2M	152.9M	123.1M	110.8M	70.6M
Enterprise Value	228.2M	128.9M	133.2M	333.2M	299.9M	314.9M

Eagle Bancorp ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Eagle Bancorp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Eagle Bancorp's managers, analysts, and investors.

Environmental

Governance

Social

Eagle Bancorp Institutional Holders

Institutional Holdings refers to the ownership stake in Eagle Bancorp that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Eagle Bancorp's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Eagle Bancorp's value.

		Shares
Cutler Capital Management	2024-12-31	65.6 K
Bridgeway Capital Management, Llc	2024-12-31	64.3 K
John G Ullman & Associates Inc	2024-12-31	60.1 K
Susquehanna International Group, Llp	2024-12-31	51.3 K
Janney Montgomery Scott Llc	2024-12-31	45.7 K
Cwm, Llc Duplicate	2024-12-31	39.6 K
Tnf Llc	2024-09-30	37.9 K
Allied Investment Advisors, Llc	2024-12-31	34.8 K
Alliancebernstein L.p.	2024-12-31	33.7 K
Fourthstone Llc	2024-12-31	451.2 K
Vanguard Group Inc		379.7 K

Eagle Fundamentals

	Return On Equity	0.0568
	Return On Asset	0.0047
	Profit Margin	0.12 %
	Operating Margin	0.20 %
	Current Valuation	309.1 M
	Shares Outstanding	8.03 M
	Shares Owned By Insiders	7.70 %
	Shares Owned By Institutions	42.51 %
	Number Of Shares Shorted	21.99 K
	Price To Earning	5.61 X
	Price To Book	0.82 X
	Price To Sales	1.78 X
	Revenue	83.31 M
	Gross Profit	80.7 M
	EBITDA	9.65 M
	Net Income	10.06 M
	Cash And Equivalents	25.2 M
	Cash Per Share	3.23 X
	Total Debt	234.74 M
	Debt To Equity	10.37 %
	Book Value Per Share	21.77 X
	Cash Flow From Operations	9.35 M
	Short Ratio	0.85 X
	Earnings Per Share	1.24 X
	Price To Earnings To Growth	1.61 X
	Target Price	16.67
	Beta	0.52
	Market Capitalization	143.53 M
	Total Asset	2.08 B
	Retained Earnings	96.02 M
	Annual Yield	0.03 %
	Five Year Return	2.01 %
	Net Asset	2.08 B
	Last Dividend Paid	0.57

About Eagle Bancorp Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Eagle Bancorp Montana's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Eagle Bancorp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Eagle Bancorp Montana based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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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.

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Eagle Bancorp Montana Stock Z Score

Eagle Bancorp Montana Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Eagle Z Score Driver Correlations

Eagle Bancorp Current Valuation Drivers

Eagle Bancorp ESG Sustainability

Eagle Bancorp Institutional Holders

Eagle Fundamentals

About Eagle Bancorp Fundamental Analysis

Thematic Opportunities

Explore Investment Opportunities

Additional Tools for Eagle Stock Analysis

Trending Assets

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