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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. SB Financial Group, Inc. is the larger, with a market value of $183.5M against $164.7M — 1.1× the size. Eagle Bancorp Montana, Inc. trades at the lower P/E: 10.2× against 11.0×. SB Financial Group, Inc. grew revenue faster over the last twelve months: 8.95% against 2.18%. SB Financial Group, Inc. has the higher net margin (17.7% vs 12.6%) and the higher return on invested capital (26.8% vs 4.94%). Both pay a dividend; Eagle Bancorp Montana, Inc. yields more (2.78% vs 2.13%). Across the 19 metrics below, SB Financial Group, Inc. leads on 11 and Eagle Bancorp Montana, Inc. on 8.

Valuation

Metric EBMT SBFG Banks Regional median
P/E 10.18 11.02 11.98
P/S 1.28 1.93 2.34
P/B 0.83 1.25 1.19
Price to free cash flow 8.69 7.93 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.82% 9.08% 8.23%
Free cash flow yield 11.51% 12.61% 9.08%

Profitability

Metric EBMT SBFG Banks Regional median
Gross margin 74.69% 72.07% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.57% 17.67% 18.66%
Free cash flow margin 14.78% 24.35% 21.11%
Return on equity 8.50% 11.95% 10.65%
Return on assets 0.75% 1.08% 1.13%
Return on invested capital 4.94% 26.76% 8.35%

Growth

Metric EBMT SBFG Banks Regional median
Revenue growth (TTM) 2.18% 8.95% 6.98%
EPS growth (last fiscal year) 53.23% 27.33% 18.88%
Revenue growth, 5-year CAGR 5.18% 4.59% 12.38%
Net income growth, 5-year CAGR (6.90%) (1.33%) 9.71%

Health

Metric EBMT SBFG Banks Regional median
Debt to equity 0.49 0.29 0.22
Current ratio 0.87 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric EBMT SBFG Banks Regional median
Dividend yield 2.78% 2.13% 2.57%
Payout ratio 0.29 0.24 0.30

Size

Metric EBMT SBFG Banks Regional median
Market cap 164.72m 183.46m 913.33m

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