Eagle Bancorp Montana, Inc. (EBMT) vs SB Financial Group, Inc. (SBFG)

Eagle Bancorp Montana, Inc. and SB Financial Group, Inc. are both Banks Regional companies. Eagle Bancorp Montana, Inc. and SB Financial Group, Inc. are of similar size ($179.2M and $166.3M). Eagle Bancorp Montana, Inc. trades at the lower P/E: 10.6× against 10.7×. SB Financial Group, Inc. grew revenue faster over the last twelve months: 8.42% against 1.96%. SB Financial Group, Inc. has the higher net margin (17.2% vs 12.0%) and the higher return on invested capital (32.0% vs 7.41%). Both pay a dividend; Eagle Bancorp Montana, Inc. yields more (2.78% vs 2.20%). Across the 18 metrics below, Eagle Bancorp Montana, Inc. leads on 10 and SB Financial Group, Inc. on 8.

Valuation

Metric EBMT SBFG Banks Regional median
P/E 10.62 10.71 12.02
P/S 1.28 1.83 2.36
P/B 0.85 1.23 1.23
Price to free cash flow 8.07 9.29 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.42% 9.34% 8.21%
Free cash flow yield 12.40% 10.77% 9.23%

Profitability

Metric EBMT SBFG Banks Regional median
Gross margin 75.69% 72.03% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.03% 17.18% 18.82%
Free cash flow margin 18.80% 21.49% 17.97%
Return on equity 8.16% 11.84% 10.28%
Return on assets 0.70% 1.07% 1.13%
Return on invested capital 7.41% 31.96% 8.45%

Growth

Metric EBMT SBFG Banks Regional median
Revenue growth (TTM) 1.96% 8.42% 6.37%
EPS growth (last fiscal year) 53.23% 27.33% 18.85%
Revenue growth, 5-year CAGR 5.18% 4.59% 12.65%
Net income growth, 5-year CAGR (6.90%) (1.33%) 9.81%

Health

Metric EBMT SBFG Banks Regional median
Debt to equity 0.00 0.00 0.17
Current ratio 0.00 0.95 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric EBMT SBFG Banks Regional median
Dividend yield 2.78% 2.20% 2.49%
Payout ratio 0.30 0.24 0.29

Size

Metric EBMT SBFG Banks Regional median
Market cap 166.32m 179.21m 934.85m

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