Core Viewpoint - Eagle Bancorp Montana, Inc. reported strong financial results for the second quarter of 2025, with net income of $3.2 million, consistent with the previous quarter and significantly higher than the same quarter last year, indicating robust growth in loans and deposits, alongside an expanding net interest margin [1][3][6]. Financial Performance - Net income for Q2 2025 was $3.2 million, or $0.41 per diluted share, unchanged from Q1 2025 and up from $1.7 million, or $0.22 per diluted share, in Q2 2024 [1][6]. - For the first half of 2025, net income increased to $6.5 million, or $0.83 per diluted share, compared to $3.6 million, or $0.46 per diluted share, in the same period of 2024 [1]. - Net interest income before provision for credit losses rose 7.4% to $18.1 million in Q2 2025, and total revenues increased 9.7% to $23.0 million [6][14]. Balance Sheet Highlights - Total assets reached $2.14 billion as of June 30, 2025, up from $2.10 billion a year ago [4]. - Total loans increased by 3.4% to $1.57 billion compared to the previous year, with notable growth in commercial real estate and agricultural loans [7]. - Total deposits rose by $119.1 million, or 7.4%, to $1.74 billion year-over-year [8]. Loan and Deposit Composition - The composition of loans showed a 7.6% increase in commercial real estate loans and a 13.5% increase in agricultural loans, while residential mortgage loans decreased by 6.3% [7]. - The deposit mix shifted towards higher-yielding products, with noninterest-bearing checking accounts at 24.0% and time certificates of deposit at 26.5% of total deposits [8]. Capital Management - Shareholders' equity increased to $180.6 million at June 30, 2025, compared to $170.2 million a year earlier [10]. - The Tier 1 capital ratio was 10.34%, indicating strong capital adequacy [19]. Credit Quality - The allowance for credit losses was 1.13% of total loans, with nonperforming loans at $5.1 million [18]. - A provision for credit losses of $1.0 million was recorded in Q2 2025, compared to $412,000 in the same quarter last year [18]. Dividend Declaration - The board declared a quarterly cash dividend of $0.145 per share, representing an annualized yield of 3.32% based on recent market prices [2].

Core Viewpoint - Eagle Bancorp Montana, Inc. (EBMT) is expected to report a year-over-year increase in earnings and revenues for the quarter ended June 2025, with a consensus outlook indicating a potential earnings surprise that could impact its stock price [1][3]. Earnings Expectations - The consensus EPS estimate for Eagle Bancorp Montana is $0.41 per share, reflecting an increase of +86.4% year-over-year [3]. - Revenues are anticipated to reach $21.8 million, which is a 9.6% increase from the same quarter last year [3]. Estimate Revisions - The consensus EPS estimate has remained unchanged over the last 30 days, indicating stability in analysts' assessments [4]. - The Most Accurate Estimate for the company is higher than the Zacks Consensus Estimate, resulting in a positive Earnings ESP of +2.44%, suggesting a bullish outlook from analysts [12]. Earnings Surprise Prediction - A positive Earnings ESP is a strong indicator of an earnings beat, especially when combined with a Zacks Rank of 1 (Strong Buy), 2 (Buy), or 3 (Hold) [10]. - Eagle Bancorp Montana currently holds a Zacks Rank of 2, enhancing the likelihood of exceeding the consensus EPS estimate [12]. Historical Performance - In the last reported quarter, Eagle Bancorp Montana delivered an earnings surprise of +24.24%, reporting $0.41 per share against an expected $0.33 [13]. - Over the past four quarters, the company has beaten consensus EPS estimates three times, indicating a strong track record [14]. Conclusion - Eagle Bancorp Montana is positioned as a compelling candidate for an earnings beat, but investors should consider additional factors that may influence stock performance beyond earnings results [17].

Core Viewpoint - Eagle Bancorp Montana, Inc. (EBMT) is positioned to potentially continue its earnings-beat streak, having a history of surpassing earnings estimates, particularly in the last two quarters with an average surprise of 35.45% [1][2]. Earnings Performance - For the most recent quarter, Eagle Bancorp Montana reported earnings of $0.33 per share against an expectation of $0.41 per share, resulting in a surprise of 24.24% [2]. - In the previous quarter, the company exceeded the consensus estimate of $0.30 per share by reporting $0.44 per share, achieving a surprise of 46.67% [2]. Earnings Estimates and Predictions - Estimates for Eagle Bancorp Montana have been trending higher, influenced by its history of earnings surprises [5]. - The company currently has a positive Earnings ESP of +2.44%, indicating a bullish outlook from analysts regarding its earnings prospects [8]. - The combination of a positive Earnings ESP and a Zacks Rank of 2 (Buy) suggests a strong possibility of another earnings beat [8]. Statistical Insights - Research indicates that stocks with a positive Earnings ESP and a Zacks Rank of 3 (Hold) or better have a nearly 70% chance of producing a positive surprise [6]. - The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate, with the Most Accurate Estimate reflecting the latest analyst revisions [7]. Importance of Earnings ESP - The Earnings ESP metric is crucial for predicting earnings performance, as a negative value can diminish its predictive power, but does not necessarily indicate an earnings miss [8]. - It is essential for investors to check a company's Earnings ESP prior to quarterly releases to enhance the likelihood of successful investment decisions [10].

Core Viewpoint - Eagle Bancorp Montana, Inc. (EBMT) has received a Zacks Rank 1 (Strong Buy) upgrade, indicating a positive outlook based on rising earnings estimates, which significantly influence stock prices [1][4][6]. Earnings Estimates and Revisions - The Zacks rating system focuses on changes in earnings estimates, which are crucial for assessing a company's future earnings potential and stock price movements [2][5]. - For the fiscal year ending December 2025, Eagle Bancorp Montana is projected to earn $1.70 per share, with the Zacks Consensus Estimate having increased by 8.7% over the past three months [9]. Impact of Institutional Investors - Institutional investors play a role in the correlation between earnings estimate revisions and stock price movements, as they adjust their valuations based on these estimates, leading to significant trading activity [5]. Zacks Rating System - The Zacks Rank system categorizes stocks into five groups based on earnings estimates, with Zacks Rank 1 stocks historically generating an average annual return of +25% since 1988 [8]. - Eagle Bancorp Montana's upgrade to Zacks Rank 1 places it in the top 5% of Zacks-covered stocks, suggesting a strong potential for market-beating returns in the near term [10][11].

Group 1 - Hudbay Minerals Inc. (HBM) has seen a 30.8% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [1] - Shore Bancshares, Inc. (SHBI) has experienced a 7.1% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [1] - National Grid plc (NGG) has recorded a 5.4% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [2] - Eagle Bancorp Montana, Inc. (EBMT) has seen an increase of nearly 9% in the Zacks Consensus Estimate for its current year earnings over the last 60 days [2] - Greif, Inc. (GEF) has experienced a 6.9% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [3]

Group 1: Eagle Bancorp Montana, Inc. (EBMT) - Eagle Bancorp Montana, Inc. is a bank holding company for Opportunity Bank of Montana and has a Zacks Rank of 1 [1] - The Zacks Consensus Estimate for its current year earnings has increased nearly 9% over the last 60 days [1] - The company has a price-to-earnings ratio (P/E) of 9.85, which is lower than the industry average of 10.80, and possesses a Value Score of A [1] Group 2: Hudbay Minerals Inc. (HBM) - Hudbay Minerals Inc. is a diversified mining company with a Zacks Rank of 1 [2] - The Zacks Consensus Estimate for its current year earnings has increased by 30.8% over the last 60 days [2] - The company has a price-to-earnings ratio (P/E) of 15.56, significantly lower than the S&P 500 average of 23.15, and possesses a Value Score of A [2] Group 3: Shore Bancshares, Inc. (SHBI) - Shore Bancshares, Inc. is a bank holding company for Shore United Bank and has a Zacks Rank of 1 [3] - The Zacks Consensus Estimate for its current year earnings has increased by 7.1% over the last 60 days [3] - The company has a price-to-earnings ratio (P/E) of 9.34, which is lower than the industry average of 10.40, and possesses a Value Score of B [3]

Group 1 - National Grid plc (NGG) has seen a 5.4% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days and offers a dividend yield of 5.5%, higher than the industry average of 3.4% [1] - Eagle Bancorp Montana, Inc. (EBMT) has experienced a nearly 9% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days, with a dividend yield of 3.4%, compared to the industry average of 3.2% [2] - Greif, Inc. (GEF) has had a 6.9% increase in the Zacks Consensus Estimate for its current year earnings over the last 60 days [2] Group 2 - Another company mentioned has a dividend yield of 3.3%, which is above the industry average of 2.5% [3]

Core Viewpoint - Eagle Bancorp Montana (EBMT) is currently identified as a strong value stock, holding a Zacks Rank 1 (Strong Buy) and a Value grade of A, indicating it is undervalued compared to its industry peers [4][8]. Valuation Metrics - EBMT has a P/E ratio of 8.97, which is lower than the industry average of 10.16, suggesting it is undervalued [4]. - The P/B ratio for EBMT is 0.7, significantly lower than the industry average of 1.94, indicating a favorable valuation compared to its book value [5]. - EBMT's P/S ratio stands at 1.01, compared to the industry's average of 1.88, further supporting the notion of undervaluation [6]. - The P/CF ratio for EBMT is 5.81, which is much lower than the industry average of 14.19, highlighting its strong cash flow position relative to its valuation [7]. Investment Outlook - The combination of these valuation metrics suggests that EBMT is likely undervalued, making it an attractive option for value investors, especially considering its strong earnings outlook [8].

Core Viewpoint - The article emphasizes the importance of value investing and highlights Eagle Bancorp Montana (EBMT) as a strong candidate for value investors due to its favorable valuation metrics and strong earnings outlook [2][8]. Company Overview - Eagle Bancorp Montana (EBMT) has a Zacks Rank of 1 (Strong Buy) and an A grade for Value, indicating strong potential for value investors [4]. - The stock is currently trading at a P/E ratio of 9.71, which is lower than the industry average P/E of 10.31 [4]. Valuation Metrics - EBMT's P/B ratio is 0.75, significantly lower than the industry average P/B of 1.96, suggesting it is undervalued [5]. - The P/S ratio for EBMT is 1.08, compared to the industry's average P/S of 1.93, further indicating potential undervaluation [6]. - The P/CF ratio for EBMT stands at 6.27, well below the industry average P/CF of 14.33, reinforcing the notion of being undervalued based on cash flow strength [7]. Investment Potential - The combination of these valuation metrics suggests that EBMT is likely undervalued in the current market, making it an attractive option for value investors [8].

Core Viewpoint - Eagle Bancorp Montana (EBMT) is currently identified as a strong value stock, holding a Zacks Rank of 1 (Strong Buy) and a Value grade of A, indicating potential undervaluation and strong earnings outlook [4][8]. Valuation Metrics - EBMT has a P/E ratio of 10.30, which is lower than the industry average of 10.84. The Forward P/E has fluctuated between 8.79 and 13.92 over the past 52 weeks, with a median of 10.35 [4]. - The P/B ratio for EBMT stands at 0.80, significantly lower than the industry average of 1.89. Its P/B ratio has ranged from 0.60 to 0.83 in the past year, with a median of 0.71 [5]. - EBMT's P/S ratio is 1.13, compared to the industry's average of 1.96, indicating a favorable valuation based on sales [6]. - The P/CF ratio for EBMT is 6.64, well below the industry average of 15.02. This ratio has varied between 5.60 and 7.56 over the past year, with a median of 6.52 [7]. Investment Potential - The combination of EBMT's strong valuation metrics and positive earnings outlook suggests that the stock is likely undervalued, making it an attractive option for value investors [8].