Here are three stocks with buy rank and strong value characteristics for investors to consider today, March 18th:  Eagle Bancorp Montana (EBMT) : This holding company that provides retail banking services in the south-central portion of Montana, carries a Zacks Rank #1(Strong Buy), and has witnessed the Zacks Consensus Estimate for its current year earnings increasing 20% over the last 60 days.Eagle Bancorp Montana has a price-to-earnings ratio (P/E) of 7.12 compared with 10.00 for the industry. The company ...

Here are three stocks with buy rank and strong income characteristics for investors to consider today, March 18th:Gladstone Commercial (GOOD) : This company which is a publicly traded real estate investment trust that focuses on investing in and owning triple-net leased industrial and commercial real estate properties and selectively making long-term mortgage loans, has witnessed the Zacks Consensus Estimate for its current year earnings increasing 5.3% over the last 60 days.This Zacks Rank #1 (Strong Buy) ...

Here are three stocks with buy rank and strong income characteristics for investors to consider today, March 13th:Gladstone Commercial Corporation (GOOD) : This real estate investment trust has witnessed the Zacks Consensus Estimate for its current year earnings increasing 5.3% over the last 60 days.This Zacks Rank #1 company has a dividend yield of 9%, compared with the industry average of 4.3%.Southside Bancshares, Inc. (SBSI) : This bank holding company for Southside Bank has witnessed the Zacks Consensu ...

Loan Portfolio - As of December 31, 2023, the total loan portfolio amounted to $2.07 billion, with residential 1-4 family mortgage loans constituting $156.58 million or 10.55% of total loans[36]. - Commercial real estate loans represented 40.99% of the total loan portfolio, totaling $608.69 million as of December 31, 2023[40]. - The bank's commercial construction and development loans accounted for $158.13 million or 10.65% of the total loan portfolio at the end of 2023[41]. - Home equity loans totaled $86.93 million, making up 5.86% of the total loans as of December 31, 2023[42]. - As of December 31, 2023, commercial real estate and commercial business loans constituted approximately 78.64% of total loans[30]. - As of December 31, 2023, consumer loans totaled $30.13 million, representing 2.03% of the Bank's total loan portfolio[44]. - Commercial business loans amounted to $132.71 million, or 8.94% of the Bank's total loan portfolio as of December 31, 2023[48]. - Agricultural production loans totaled $125.30 million, accounting for 8.44% of the Bank's total loan portfolio as of December 31, 2023[48]. - The total amount of loans in process of origination for sale into the secondary market with interest rate lock commitments was $15.67 million as of December 31, 2023[55]. - Total loans increased by $128.37 million, or 9.6%, to $1.47 billion at December 31, 2023, compared to $1.34 billion at December 31, 2022[216]. - Total loan originations for the year ended December 31, 2023, were $750.68 million, with residential 1-4 family originations at $400.51 million[217]. - Total commercial real estate loans reached $909.413 million, accounting for 61.25% of total loans[214]. - Total real estate loans reached $1,109.425 million, comprising 74.73% of total loans[214]. Acquisitions and Growth Strategy - The company acquired First Community Bancorp, Inc. in April 2022 for a total consideration of $38.58 million, which included $10.23 million in cash and $28.35 million in common stock[22]. - The bank's strategy includes enhancing market share through organic growth and opportunistic acquisitions, with a focus on maintaining strong asset quality[21][26]. - The bank acquired First Community Bancorp, Inc. in April 2022, adding nine retail bank branches and two loan production offices in Montana[200]. - The company plans to pursue organic growth and evaluate potential acquisitions, but there are risks associated with managing this growth effectively[150]. Financial Performance and Capital - The bank was classified as "well-capitalized" under the prompt corrective action framework as of December 31, 2023[100]. - Federal regulations require a common equity Tier 1 capital to risk-based assets ratio of 4.5%, a Tier 1 capital to risk-based assets ratio of 6.0%, and a total capital to risk-based assets of 8.0%[93]. - The capital conservation buffer requirement was phased in to 2.5% on January 1, 2019, affecting capital distributions and discretionary bonus payments[97]. - Total assets increased by $127.29 million, or 6.5%, to $2.08 billion as of December 31, 2023, compared to $1.95 billion at December 31, 2022[208]. - Total liabilities were $1.91 billion at December 31, 2023, an increase of $116.42 million, or 6.5%, from $1.79 billion at December 31, 2022[208]. - Total shareholders' equity increased by $10.85 million, or 6.8%, from December 31, 2022[208]. Regulatory Environment - The Bank is subject to extensive regulation and supervision by the Federal Reserve Bank and the Montana Division of Banking and Financial Institutions[80]. - The Bank's authority to engage in transactions with affiliates is limited by regulations, ensuring terms are as favorable as those with non-affiliates[103]. - Eagle must obtain approval from the FRB before acquiring more than 5.0% of the voting stock of another bank or bank holding company[106]. - The FRB must consider financial and managerial resources of the acquirer when evaluating applications for control of Eagle[108]. - The company is subject to various limitations on dividend payments, which depend on its bank subsidiary's performance and regulatory requirements[187]. Risk Factors - Economic conditions in local markets, particularly in Montana, may differ from national trends, impacting financial performance[112]. - The potential for economic recession in 2024 could adversely affect asset quality, deposit levels, and loan demand[116]. - Declines in home values could lead to decreased loan originations and increased delinquencies and defaults[118]. - Changes in interest rates significantly affect net interest income, which is crucial for Eagle's financial performance[119]. - Intense competition in the banking sector may limit growth and profitability for Eagle[124]. - The company may face significant credit losses if the allowance for credit losses is insufficient to cover actual losses, impacting net income[135]. - The company faces risks related to system failures and security breaches, which could adversely affect its financial condition and operations[132]. - The company may experience material losses in its securities portfolio due to various economic factors[138]. Cybersecurity - Cybersecurity remains a critical focus, with significant investments made to maintain security measures and compliance with regulatory requirements[170]. - The company has established comprehensive incident response and recovery plans to address cybersecurity threats[175]. - The Board of Directors oversees cybersecurity risk management as part of the overall enterprise risk management program[177]. Employee and Operational Insights - The Company has 383 full-time employees and 24 part-time employees as of December 31, 2023[71]. - The company promotes employee retention through competitive wages, valuable benefits, and a commitment to employee well-being[73]. - The bank operates 29 full-service branches and 46 ATMs across Montana, having rebranded certain branches to Opportunity Bank of Montana[18]. Market Conditions and Interest Rates - The Federal Open Market Committee raised the target range for the federal funds rate on four occasions in 2023, indicating inflationary pressures[115]. - The Federal Open Market Committee increased the federal funds target rate from 4.50% in 2022 to 5.50% in 2023, impacting the bank's earnings[199]. - The transition from LIBOR to SOFR as a benchmark rate may introduce uncertainty and risks in financial markets[122]. - The company faces potential risks from rising interest rates, which could increase the volatility of earnings related to the MSR portfolio[157]. - A decline in interest rates could lead to substantial losses in the value of MSR assets due to higher than anticipated prepayments[158]. Goodwill and Impairment - The company recorded goodwill of $34.74 million as of December 31, 2023, and is required to test for impairment periodically[131]. - Goodwill impairment assessment performed as of August 31, 2023, concluded that goodwill was not impaired despite a decrease in stock price and earnings outlook[206]. - The market approach for goodwill impairment testing incorporates comparable public company information and valuation multiples[205]. - The income approach for goodwill impairment testing includes discounting projected future cash flows derived from internal forecasts[205].

Investors might want to bet on Eagle Bancorp Montana, Inc. (EBMT) , as it has been recently upgraded to a Zacks Rank #1 (Strong Buy). This rating change essentially reflects an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices.The sole determinant of the Zacks rating is a company's changing earnings picture. The Zacks Consensus Estimate -- the consensus of EPS estimates from the sell-side analysts covering the stock -- for the current and following years is tracked ...

All investors love getting big returns from their portfolio, whether it's through stocks, bonds, ETFs, or other types of securities. But when you're an income investor, your primary focus is generating consistent cash flow from each of your liquid investments.Cash flow can come from bond interest, interest from other types of investments, and of course, dividends. A dividend is the distribution of a company's earnings paid out to shareholders; it's often viewed by its dividend yield, a metric that measures ...

Eagle Bancorp Montana, Inc. (EBMT) has been beaten down lately with too much selling pressure. While the stock has lost 11.3% over the past four weeks, there is light at the end of the tunnel as it is now in oversold territory and Wall Street analysts expect the company to report better earnings than they predicted earlier.Here is How to Spot Oversold StocksWe use Relative Strength Index (RSI), one of the most commonly used technical indicators, for spotting whether a stock is oversold. This is a momentum o ...

The price trend for Eagle Bancorp Montana, Inc. (EBMT) has been bearish lately and the stock has lost 9.4% over the past week. However, the formation of a hammer chart pattern in its last trading session indicates that the stock could witness a trend reversal soon, as bulls might have gained significant control over the price to help it find support.While the formation of a hammer pattern is a technical indication of nearing a bottom with potential exhaustion of selling pressure, rising optimism among Wall ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____ to _____. Commission file number 1-34682 Eagle Bancorp Montana, Inc. (Exact name of registrant as specified in its charter) Delaware 27-1449820 ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____ to _____. Commission file number 1-34682 Eagle Bancorp Montana, Inc. (Exact name of registrant as specified in its charter) Delaware 27-1449820 (Stat ...