Stock fact sheet · data as of
Eagle Bancorp Montana, Inc. (EBMT): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Defensive
Is EBMT undervalued?
At 20.68 (close of 16 Oct 2026), EBMT trades 22% under the GLS average fair value of 26.35. 5 of the 9 models that produced a value land above the price. A discount of this size counts as a positive margin of safety in every GLS screen; whether it is enough depends on the rest of the picture - the health score, the moat and the option premium below.
The 9 models disagree widely: DCF gives 2.04 while 10 Cap gives 63.42. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files EBMT under Defensive: a low beta, a dividend and positive earnings.
Nine valuation models for EBMT
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 2.04 | -90% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 34.13 | +65% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 40.73 | +97% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 12.10 | -41% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 6.76 | -67% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 63.42 | +207% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 46.59 | +125% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 8.57 | -59% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 22.81 | +10% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -200.15 | -1068% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 24.00 | +16% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - EBMT passes 5 of the nine Piotroski tests, which falls one point short of the Sunday Scan's "6 or more" rule. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is low at 4.4 out of 10, which says the ten-year record of revenue, earnings, margins and returns on capital has been inconsistent - growth and shocks rather than steady compounding.
Returns on capital are moderate - ROIC 5.4%, ROE 7.7%, ROA 0.7% - with debt at 0.43 times equity and a free-cash-flow yield of 11.4%.
The dividend yield is 2.82% at a payout ratio of 29%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold. Revenue comes mainly from Bank Servicing 72%, Debit Card 18%, Deposit Account 10% (quarter Q2 FY2026).
Institutional ownership scores 7/10, insider activity 1/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | 5.4% |
|---|---|---|---|
| GLS Moat | 4.4 / 10 | ROE | 7.7% |
| Debt / equity | 0.43 | ROA | 0.7% |
| Free-cash-flow yield | 11.4% | Payout ratio | 29% |
| Institutions | 7 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 39: No options
EBMT has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 27k shares a day on a market cap of $165M, with a beta of 0.35 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 21 / 25 | 22% margin of safety | |
| Health | 11 / 20 | Piotroski 5/9 | |
| Moat | 7 / 15 | moat 4.4/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 27k shares/day, $165M cap, beta 0.35 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Eagle Bancorp Montana, Inc. reports earnings on 27 Oct 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Eagle Bancorp Montana, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| SFIGA STAR Financial Group, Inc. | 59.58 | 196.21 | +70% | 39No options | $165M |
| ARBV American Riviera Bancorp | 28.49 | 28.44 | -0% | 37No options | $164M |
| MNAT Marquette National Corporation | 37.30 | 73.23 | +49% | 39No options | $164M |
| BKGM BankGuam Holding Co. | 9,000.00 | 32,944.53 | +73% | 39No options | $164M |
| DIMC Dimeco, Inc. | 64.03 | 135.90 | +53% | 39No options | $163M |
| SLBK Skyline Bankshares, Inc. | 28.69 | 68.60 | +58% | 39No options | $163M |
| AMBKP American Capital Trust I PFD TR SECS 6% | 13.00 | 4.74 | -174% | 20No options | $167M |
| ENBP ENB Financial Corp | 29.39 | 62.07 | +53% | 39No options | $168M |
| CNBW CNB Corp. | 97.00 | 50.41 | -92% | 24No options | $161M |
| TRCY Tri City Bankshares Corporation | 19.06 | 27.93 | +32% | 39No options | $170M |
| MNSBP MainStreet Bancshares, Inc. | 24.33 | 33.02 | +26% | 39No options | $170M |
| WRIV White River Bancshares Co. | 32.65 | 31.33 | -4% | 39No options | $159M |
⚖ Compare EBMT with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about EBMT
Is EBMT undervalued right now?
By the GLS models, moderately: at 20.68 the stock trades 22% below the average fair value of 26.35 (data as of 16 Oct 2026).
What is the Wheel Score of EBMT and what does it mean?
EBMT has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for EBMT?
26.35 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Eagle Bancorp Montana, Inc. report earnings next?
The next earnings report is due on 27 Oct 2026 (after the close), 11 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does EBMT have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on EBMT, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.