Eagle Bancorp Montana Inc (EBMT) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Eagle Bancorp Montana Inc stock $19.30, price $20.55, that is 6.1% below the price, quality 57 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
- Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free
Eagle Bancorp Montana Inc
EBMT · USThe stock costs about what our calculation considers fair.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $10.43 – $24.28 · fair‑value band $17.02 – $21.15 · the $20.55 price screens above the $19.30 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
Every Wednesday you see whether Eagle Bancorp Montana is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Company profile
Eagle Bancorp Montana, Inc. operates as the bank holding company for Opportunity Bank of Montana that provides various banking products and services to small businesses and individuals in Montana.
Show moreShow less
It accepts various deposit products, such as checking, savings, money market, and individual retirement accounts, as well as certificates of deposit.
The company also provides 1-4 family residential mortgage loans, such as residential mortgages and residential property construction loans; commercial real estate loans, including multi-family dwellings, nonresidential property, commercial construction and development, and farmland loans; and second mortgage/home equity loans.
In addition, it offers consumer loans, such as loans secured by collateral other than real estate comprising automobiles, recreational vehicles, and boats; personal loans and lines of credit; commercial business loans consisting of business loans and lines of credit on a secured and unsecured basis; construction loans; agricultural loans; and mortgage loans.
The company operates full-service branches and automated teller machines. The company was founded in 1922 and is headquartered in Helena, Montana.
Stock analysis
Eagle Bancorp Montana Inc (EBMT) currently trades at $20.55, while our model-based Fair Value estimate is $19.30, so the stock looks roughly fairly valued today (gap 6.5%).
Show more
Valuation
Bull case: the Multiples group reads highest at a median of $22.69 per share, and 2 of the 6 models we run sit above the $20.55 price.
Bear case: the Dividend Discount group reads lowest at $7.50, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $17.02 (bear) to $21.15 (bull), the price of $20.55 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Eagle Bancorp Montana Inc reported revenue of $126M in FY2025 versus $93.2M in FY2021, a compound +7.8%/yr. Reported net income was $14.8M in FY2025, compounding +0.7%/yr from FY2021.
Key figures
Market cap $161M Micro · P/E ratio 10.4 · P/S ratio 1.70 · EPS (TTM) $1.97 · Dividend yield 2.8% · Net margin 17.0% · Return on equity 8.5% · Return on assets (EBIT) 0.8% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (medium confidence).
What moves the price
The share trades about 15% below its 52-week high and 32% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −6%, EBMT screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, no officer or director bought or sold shares on the open market.
- SaleKenneth M WalshDirector2× since Feb 3, 2026: 20,000 shares, avg. $22.65$453,000May 8, 2026
- SaleSamuel WatersDirector2,100 shares at $22.48$47,208Feb 20, 2026
- SaleThomas J McCarvelDirector2× since Nov 21, 2025: 2,382 shares, avg. $19.60$46,678Feb 17, 2026
- SalePeter Joseph JohnsonDirector7,547 shares at $23.08$174,194Feb 11, 2026
- BuyMark A O'NeillSVP-Chief Lending Officer600 shares at $16.75$10,050Nov 25, 2025
Plus 16 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
Watch EBMT, get fair value alerts →
Compare Eagle Bancorp Montana Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Net margin by industry
- P/B ratio by industry
- Piotroski F-Score screener with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs EBMT |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs EBMT |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs EBMT |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs EBMT |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs EBMT |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs EBMT |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs EBMT |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs EBMT |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs EBMT |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs EBMT |
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is Eagle Bancorp Montana Inc (EBMT) overvalued or undervalued?
What is the fair value of EBMT?
What is the quality score of EBMT?
What is the price target for Eagle Bancorp Montana Inc (EBMT)?
What is the Eagle Bancorp Montana Inc stock forecast for 2026?
What is the revenue of Eagle Bancorp Montana Inc (EBMT)?
Does Eagle Bancorp Montana Inc pay a dividend?
How much is the dividend of Eagle Bancorp Montana Inc (EBMT) and when is the ex-dividend date?
What is the intrinsic value of Eagle Bancorp Montana Inc (EBMT)?
Is Eagle Bancorp Montana Inc stock overvalued or undervalued in 2026?
Is fair value the same as the market price of EBMT?
How much is Eagle Bancorp Montana Inc worth?
What do the bullish and bearish scenarios say about EBMT?
What is the P/E ratio of EBMT?
What is the PEG ratio of EBMT?
How solid is the balance sheet of Eagle Bancorp Montana Inc (EBMT)?
How far is EBMT from its 52-week high?
Which stocks are comparable to Eagle Bancorp Montana Inc?
Is Eagle Bancorp Montana Inc stock attractive at the current price?
How is the fair value of EBMT calculated?
Is it still worth investing in stocks now?
What is the share price of Eagle Bancorp Montana Inc (EBMT)?
What should I pay attention to with Eagle Bancorp Montana Inc right now?
Where does the earnings growth of Eagle Bancorp Montana Inc (EBMT) come from?
Key figures of Eagle Bancorp Montana Inc
How large is the market capitalisation of Eagle Bancorp Montana Inc (EBMT)?
What is the P/S ratio of Eagle Bancorp Montana Inc (EBMT)?
What are the earnings per share of Eagle Bancorp Montana Inc (EBMT)?
What is the dividend yield of Eagle Bancorp Montana Inc (EBMT)?
What is the net margin of Eagle Bancorp Montana Inc (EBMT)?
What is the return on equity of Eagle Bancorp Montana Inc (EBMT)?
What is the EBIT return on assets of Eagle Bancorp Montana Inc (EBMT)?
What is the operating margin of Eagle Bancorp Montana Inc (EBMT)?
How fast is revenue growing at Eagle Bancorp Montana Inc (EBMT)?
How fast are earnings growing at Eagle Bancorp Montana Inc (EBMT)?
How much free cash flow does Eagle Bancorp Montana Inc (EBMT) generate?
How much net debt does Eagle Bancorp Montana Inc (EBMT) carry?
Watch Eagle Bancorp Montana Inc in the live analysis
One click puts Eagle Bancorp Montana Inc on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.