Eagle Bancorp Montana, Inc. (EBMT) vs Hoyne Bancorp, Inc. (HYNE)

Eagle Bancorp Montana, Inc. and Hoyne Bancorp, Inc. are both Banks Regional companies. Eagle Bancorp Montana, Inc. is the larger, with a market value of $166.3M against $151.2M — 1.1× the size. Eagle Bancorp Montana, Inc. has the higher net margin (12.0% vs 1.14%) and the higher return on invested capital (7.41% vs 0.02%). Across the 10 metrics below, Eagle Bancorp Montana, Inc. leads on 8 and Hoyne Bancorp, Inc. on 2.

Valuation

Metric EBMT HYNE Banks Regional median
P/E 10.62 — 12.02
P/S 1.28 6.15 2.36
P/B 0.85 0.87 1.23
Price to free cash flow 8.07 n/m 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.42% — 8.21%
Free cash flow yield 12.40% (3.07%) 9.23%

Profitability

Metric EBMT HYNE Banks Regional median
Gross margin 75.69% 77.92% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.03% 1.14% 18.82%
Free cash flow margin 18.80% (18.89%) 17.97%
Return on equity 8.16% 0.21% 10.28%
Return on assets 0.70% 0.11% 1.13%
Return on invested capital 7.41% 0.02% 8.45%

Growth

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

Health

Metric EBMT HYNE Banks Regional median
Debt to equity 0.00 0.00 0.17
Current ratio 0.00 0.98 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric EBMT HYNE Banks Regional median
Market cap 166.32m 151.16m 934.85m

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