Eagle Bancorp Montana Inc Dossier
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SectorFinancials IndustryRegional Banks Beta (adjusted)0.57 Intrinsic Value $19.08median of 2 methodsbased on filings through 30 Jun 2026 Market Price $21.28Price as of 1 Oct 2026 Near fair valueIntrinsic value is 10% below the market price −50% · IV below pricenear fair value ±15%IV above price · +50% Data confidence Sign in to view data confidence Market Cap $169.5M Enterprise Value $185.1M Shares Outstanding 7.9M diluted Next Earnings Date27 Oct 2026 Last ex-dividend14 Aug 2026 All prices and values are periodic snapshots, not live quotes. Source dates are shown for reference. ThesisStreet consensus, scenarios, merits, risks, and invalidation triggers Thesis Summary Eagle Bancorp Montana, Inc. (EBMT) is demonstrating solid financial performance with expanding net interest margins (NIM) and robust net income growth. However, the stock is currently trading near its consensus analyst price target, offering limited immediate upside. Additionally, the company is navigating a significant leadership transition with the splitting of the CEO and President roles, alongside ongoing efforts to remediate a material weakness in internal controls over financial reporting. Consequently, a Hold recommendation is warranted until there is greater clarity on the execution of the executive transition and the resolution of internal control issues. This section is the 12-month view: analyst targets and the probability-weighted scenarios built from them. The intrinsic value at the top of this page answers a different question: what the business is worth today. Street view · analyst 12-month targets Low · most bearish analyst$24.00 Mean target$25.00 High · most bullish analyst$26.00 Street targets sit above today's price; our intrinsic value sits below it. Different horizons, different questions. Our research · scenarios, merits, risks, and invalidation triggersResearch as of 19 Jun 2026 Scenarios · 12-month scenario targets Bear CaseDownside scenario Intense competition for deposits leads to higher funding costs, compressing NIM. The leadership transition causes operational friction, or the remediation of the internal control material weakness is delayed, leading to persistent adverse auditor opinions and downward pressure on the stock. Base CaseCentral scenario The bank maintains its strong regional franchise in Montana, successfully managing deposit costs to sustain a NIM above 4.00%. The executive transition proceeds smoothly with P. Darryl Rensmon managing daily operations as President while Laura F. Clark remains CEO. The material weakness in internal controls is successfully remediated by the end of fiscal year 2026. Bull CaseUpside scenario Eagle Bancorp Montana is highly undervalued, trading at a forward P/E of 9.82 and a P/B of 0.78, which are both below its industry averages. Additionally, the bank has a strong track record of dividend sustainability, having increased its dividend for 14 consecutive years with a healthy payout ratio of under 30%. Scenarios are anchored to street consensus at the research date, with our probabilities and rationale. Key Investment Merits
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Thesis Invalidation Triggers
All scenarios are estimates and subject to change. Past performance is not indicative of future results. Quality Pillars MembersThis section is available to registered members. Create a free account or sign in to unlock the full breakdown. Explore this dossierValuationIntrinsic value, the six-method breakdown, peer medians, and your assumptions sandbox.Financial SnapshotRevenue, profitability, returns, balance sheet, dividends, and the filing-level detail.Qualitative AnalysisBusiness overview, strategic initiatives, and mergers, acquisitions & partnerships.Outlook & Key DatesForward estimates, reporting calendar, and the monitoring framework. |