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Eagle Bancorp Montana, Inc. (EBMT) vs Finward Bancorp (FNWD)

Eagle Bancorp Montana, Inc. and Finward Bancorp are both Banks Regional companies. Finward Bancorp is the larger, with a market value of $188.2M against $166.3M — 1.1× the size. Eagle Bancorp Montana, Inc. trades at the lower P/E: 10.6× against 19.0×. Eagle Bancorp Montana, Inc. grew revenue faster over the last twelve months: 1.96% against 0.15%. Eagle Bancorp Montana, Inc. has the higher net margin (12.0% vs 9.65%) and the higher return on invested capital (7.41% vs 4.41%). Both pay a dividend; Eagle Bancorp Montana, Inc. yields more (2.78% vs 1.10%). Across the 19 metrics below, Eagle Bancorp Montana, Inc. leads on 17 and Finward Bancorp on 2.

Valuation

Metric EBMT FNWD Banks Regional median
P/E 10.62 18.99 12.02
P/S 1.28 1.83 2.36
P/B 0.85 1.04 1.23
Price to free cash flow 8.07 10.72 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.42% 5.27% 8.21%
Free cash flow yield 12.40% 9.33% 9.23%

Profitability

Metric EBMT FNWD Banks Regional median
Gross margin 75.69% 67.76% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.03% 9.65% 18.82%
Free cash flow margin 18.80% 17.07% 17.97%
Return on equity 8.16% 5.90% 10.28%
Return on assets 0.70% 0.48% 1.13%
Return on invested capital 7.41% 4.41% 8.45%

Growth

Metric EBMT FNWD Banks Regional median
Revenue growth (TTM) 1.96% 0.15% 6.37%
EPS growth (last fiscal year) 53.23% (33.80%) 18.85%
Revenue growth, 5-year CAGR 5.18% 7.69% 12.65%
Net income growth, 5-year CAGR (6.90%) (12.68%) 9.81%

Health

Metric EBMT FNWD Banks Regional median
Debt to equity 0.00 0.36 0.17
Current ratio 0.00 0.88 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric EBMT FNWD Banks Regional median
Dividend yield 2.78% 1.10% 2.49%
Payout ratio 0.30 0.21 0.29

Size

Metric EBMT FNWD Banks Regional median
Market cap 166.32m 188.16m 934.85m

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