Eagle Bancorp Montana, Inc. (EBMT) vs FinWise Bancorp (FINW)

Eagle Bancorp Montana, Inc. and FinWise Bancorp are both Banks Regional companies. Eagle Bancorp Montana, Inc. and FinWise Bancorp are of similar size ($170.5M and $156.6M). Eagle Bancorp Montana, Inc. trades at the lower P/E: 10.5× against 11.1×. FinWise Bancorp grew revenue faster over the last twelve months: 90.2% against 2.18%. Eagle Bancorp Montana, Inc. has the higher net margin (12.6% vs 6.53%) and the lower return on invested capital (4.94% vs 11.0%). Across the 19 metrics below, FinWise Bancorp leads on 11 and Eagle Bancorp Montana, Inc. on 8.

Valuation

Metric EBMT FINW Banks Regional median
P/E 10.49 11.10 12.15
P/S 1.32 0.73 2.37
P/B 0.86 0.75 1.21
Price to free cash flow 8.95 28.77 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.85 0.27 2.27
Earnings yield 9.54% 9.01% 8.11%
Free cash flow yield 11.17% 3.48% 8.98%

Profitability

Metric EBMT FINW Banks Regional median
Gross margin 74.69% 89.27% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.57% 6.53% 18.66%
Free cash flow margin 14.78% 2.55% 21.18%
Return on equity 8.50% 6.94% 10.64%
Return on assets 0.75% 1.50% 1.13%
Return on invested capital 4.94% 10.95% 8.33%

Growth

Metric EBMT FINW Banks Regional median
Revenue growth (TTM) 2.18% 90.17% 6.61%
EPS growth (last fiscal year) 53.23% 21.51% —
Revenue growth, 5-year CAGR 5.18% 28.03% 12.30%
Net income growth, 5-year CAGR (6.90%) 8.23% 9.71%

Health

Metric EBMT FINW Banks Regional median
Debt to equity 0.49 0.00 0.22
Current ratio 0.87 0.88 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric EBMT FINW Banks Regional median
Dividend yield 4.37% — 3.75%
Payout ratio 0.37 0.00 0.27

Size

Metric EBMT FINW Banks Regional median
Market cap 170.46m 156.60m 921.07m

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