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

Eagle Bancorp Montana, Inc. and Finward Bancorp are both Banks Regional companies. Eagle Bancorp Montana, Inc. and Finward Bancorp are of similar size ($183.1M and $170.5M). Eagle Bancorp Montana, Inc. trades at the lower P/E: 10.5× against 18.9×. Eagle Bancorp Montana, Inc. grew revenue faster over the last twelve months: 2.18% against 0.15%. Eagle Bancorp Montana, Inc. has the higher net margin (12.6% vs 9.65%) and the higher return on invested capital (4.94% vs 4.41%). Both pay a dividend; Eagle Bancorp Montana, Inc. yields more (4.37% vs 2.03%). Across the 20 metrics below, Eagle Bancorp Montana, Inc. leads on 15 and Finward Bancorp on 5.

Valuation

Metric EBMT FNWD Banks Regional median
P/E 10.49 18.93 12.15
P/S 1.32 1.82 2.37
P/B 0.86 1.04 1.21
Price to free cash flow 8.95 10.69 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.85 1.53 2.27
Earnings yield 9.54% 5.28% 8.11%
Free cash flow yield 11.17% 9.36% 8.98%

Profitability

Metric EBMT FNWD Banks Regional median
Gross margin 74.69% 67.76% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.57% 9.65% 18.66%
Free cash flow margin 14.78% 17.07% 21.18%
Return on equity 8.50% 5.90% 10.64%
Return on assets 0.75% 0.48% 1.13%
Return on invested capital 4.94% 4.41% 8.33%

Growth

Metric EBMT FNWD Banks Regional median
Revenue growth (TTM) 2.18% 0.15% 6.61%
EPS growth (last fiscal year) 53.23% (33.80%) —
Revenue growth, 5-year CAGR 5.18% 7.69% 12.30%
Net income growth, 5-year CAGR (6.90%) (12.68%) 9.71%

Health

Metric EBMT FNWD Banks Regional median
Debt to equity 0.49 0.36 0.22
Current ratio 0.87 0.88 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric EBMT FNWD Banks Regional median
Dividend yield 4.37% 2.03% 3.75%
Payout ratio 0.37 0.40 0.27

Size

Metric EBMT FNWD Banks Regional median
Market cap 170.46m 183.11m 921.07m

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