Eagle Bancorp Montana, Inc. (EBMT) vs First Guaranty Bancshares, Inc. (FGBI)

Eagle Bancorp Montana, Inc. and First Guaranty Bancshares, Inc. are both Banks Regional companies. First Guaranty Bancshares, Inc. is the larger, with a market value of $196.0M against $166.3M — 1.2× the size. First Guaranty Bancshares, Inc. has negative trailing earnings, so its P/E is not meaningful; Eagle Bancorp Montana, Inc. trades at 10.6×. Eagle Bancorp Montana, Inc. grew revenue faster over the last twelve months: 1.96% against −8.17%. Eagle Bancorp Montana, Inc. has the higher net margin (12.0% vs −17.9%) and the higher return on invested capital (7.41% vs 0.00%). Both pay a dividend; Eagle Bancorp Montana, Inc. yields more (2.78% vs 0.34%). Across the 18 metrics below, Eagle Bancorp Montana, Inc. leads on 12 and First Guaranty Bancshares, Inc. on 6.

Valuation

Metric EBMT FGBI Banks Regional median
P/E 10.62 n/m 12.02
P/S 1.28 0.89 2.36
P/B 0.85 0.99 1.23
Price to free cash flow 8.07 4.80 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.42% (21.95%) 8.21%
Free cash flow yield 12.40% 20.84% 9.23%

Profitability

Metric EBMT FGBI Banks Regional median
Gross margin 75.69% 43.27% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.03% (17.91%) 18.82%
Free cash flow margin 18.80% 18.49% 17.97%
Return on equity 8.16% (18.24%) 10.28%
Return on assets 0.70% (0.98%) 1.13%
Return on invested capital 7.41% 0.00% 8.45%

Growth

Metric EBMT FGBI Banks Regional median
Revenue growth (TTM) 1.96% (8.17%) 6.37%
EPS growth (last fiscal year) 53.23% (614.81%) 18.85%
Revenue growth, 5-year CAGR 5.18% 12.24% 12.65%
Net income growth, 5-year CAGR (6.90%) 0.00% 9.81%

Health

Metric EBMT FGBI Banks Regional median
Debt to equity 0.00 0.82 0.17
Current ratio 0.00 0.73 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric EBMT FGBI Banks Regional median
Dividend yield 2.78% 0.34% 2.49%
Payout ratio 0.30 — 0.29

Size

Metric EBMT FGBI Banks Regional median
Market cap 166.32m 196.00m 934.85m

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