Eagle Bancorp Montana Inc. Common Stock (EBMT)

FairStock Score: 60/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach a small Montana bank holding company the way Graham would: start with book value, earnings consistency, and risk. Eagle Bancorp Montana earned $3.7 million in fiscal Q2 2026, the quarter ended 2026-06-30, or $0.47 diluted EPS; in fiscal Q1 2026 it earned $4.0 million, or $0.51; and in fiscal Q3 2025 it earned $3.6 million, or $0.46. For FY2025 it reported $14.8 million, or $1.90 per diluted share, up from $9.8 million, or $1.24, in FY2024, though FY2023 was $10.1 million, or $1.29. So recent profit growth is real, but the Lynch category computed by FairStock is SLOW GROWER — Shrinking, with profits down about 6.9% a year over five years. That inconsistency matters. FairStock's price-based measures at the 2026-10-13 close of $20.78 show a P/E of 10.14, P/B of 0.82, dividend yield 2.84%, and PEG 0.69. FairStock's ROE is 8.49%, which is only modest for a bank; ROCE 0.75% and Piotroski F-Score 3/9 are weak signals. The low beta of 0.35 may mean less market volatility, but not less credit risk. The balance-sheet measures I really want — CET1 capital, net interest margin, nonperforming loans, reserves, and combined ratio — are not in the data. A bank can look cheap on book value and still be fragile if credit quality deteriorates. At 0.82 times book, the market is skeptical. I would call it a fair-to-cheap small bank with uneven earnings and insufficient disclosure here to claim a durable moat. FairStock score is 60/100.

In plain English: Eagle Bancorp Montana is the holding company for Opportunity Bank of Montana, serving small businesses and individuals in Montana. Its recent profits have improved, but over the past five years profit has slowly shrunk, and the bank earns a modest return on shareholder money. At the recent price, the shares look inexpensive relative to reported earnings and accounting value, though the weak financial-strength score and missing credit details suggest the business is not clearly strong.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer