Eagle Bancorp Montana, Inc. (EBMT) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

-89.1%

$2.36

vs $21.67 price

Levered DCF

$24.27

After debt service

Piotroski score

3 / 9

Weak

Altman Z-score

0.34

Distress zone

Rating

Overall 3 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
P/E	10.47×	12.36×	12.24×	11.14×	10.59×	6.8×	12.66×	17.93×
P/B	0.81×	0.69×	0.73×	0.75×	0.98×	0.94×	1.13×	0.94×
P/S	1.23×	1×	1.09×	1.27×	1.64×	1.6×	1.99×	1.93×
EV / EBITDA	7.67×	14.25×	17.05×	10.47×	4.91×	3.04×	12.22×	22.62×
Gross margin	70.9%	65.7%	72.8%	91.3%	95.6%	100.0%	85.0%	86.9%
Operating margin	15.0%	9.5%	10.4%	14.8%	20.7%	0.0%	20.2%	12.7%
Net margin	11.8%	8.1%	8.9%	11.4%	15.5%	23.5%	15.7%	10.8%
Current ratio	0.71×	0.1×	0.22×	0.23×	0.27×	0.22×	0.19×	0.25×
Debt / equity	0.43×	1.14×	1.39×	0.81×	0.22×	0.31×	0.93×	1.34×
Interest coverage	0.53×	0.28×	0.4×	2.25×	6.01×	0×	1.81×	1.16×
Dividend yield	2.9%	3.8%	3.6%	3.4%	2.0%	1.8%	1.8%	2.2%
Payout ratio	30.9%	46.4%	44.2%	37.9%	20.9%	12.3%	22.1%	40.0%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Return on equity	7.7%	5.6%	5.9%	6.8%	9.2%	13.9%	8.9%	5.3%
Return on invested capital	196.7%	2.3%	2.3%	3.7%	7.5%	0.0%	4.6%	2.2%
Return on assets	0.7%	0.5%	0.5%	0.5%	1.0%	1.7%	1.0%	0.6%
Free cash flow yield	18.2%	12.0%	-3.9%	21.1%	28.9%	-12.8%	-7.4%	7.3%
Earnings yield	9.5%	8.1%	8.2%	9.0%	9.4%	14.7%	7.9%	5.6%
Enterprise value	$213.7M	$288.9M	$333.2M	$225.6M	$133.2M	$128.9M	$228.2M	$205.4M
Net debt / EBITDA	2.09×	8.31×	10.75×	4.94×	-0.73×	-0.36×	4.87×	12.76×
Cash conversion cycle (days)	42	39	41	44	23	23	24	27