Eagle Bancorp Montana, Inc. (EBMT) Fair Value 2026

EBMT · State Commercial Banks ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.4 /10

32 fundamental signals · 12 models active

Value Trap Risk

LOW (25/100)

Quick Summary — As of 2026-07-13, Eagle Bancorp Montana, Inc. (EBMT) trades at $23.46, approximately 56% below CirclFi’s Bayesian DCF fair value of $53.86. QOC: 8.4/10. Value Trap Risk: 25/100 (LOW). 12/13 models active.

Key Facts

Ticker
EBMT
Price
$23.46
Quality Score
8.4/10
Value Trap Risk
25/100
Models Active
12/13
Last Updated
Strength: Bayesian DCF suggests +129.6% upside with 59% confidence
Risk: Limited model coverage (12/13) may reduce confidence

Valuation Matrix

12 Intrinsic Value Models vs. Current Price ($23.46)

Core Models (Unlocked)
Model Fair Value Upside
Bayesian DCF
High Conviction
$53.86 +129.6%
Earnings Power Value
High Conviction
$13.88 -40.8%
CUCE Ensemble
Low Conviction
$28.77 +22.7%
First Chicago
High Conviction
$28.68 +22.2%

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What Is Eagle Bancorp Montana, Inc. (EBMT) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Eagle Bancorp Montana, Inc. presents a highly debated valuation profile at its current price of $23.46. The composite intrinsic value is estimated at $32.05 (+36.6% average upside), masking a wide model spread between the 6 bullish models and 4 bearish models. Model dispersion is worth noting: RCMH-DCF targets $74.95 (+219.5%), versus Markov DDM at $9.29 (-60.4%). This +279.9% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About EBMT?

12 of 13 models are currently active for EBMT. Of these, 6 models suggest upside while 6 models suggest overvaluation. The Bayesian DCF estimates EBMT's intrinsic value at $53.86, implying +129.6% upside from the current price. See which stocks rank higher →

How Does EBMT Rank in State Commercial Banks?

Among 170 State Commercial Banks stocks, EBMT ranks #61 by Quality of Company score. CirclFi's QOC score of 8.4/10 evaluates 32 fundamental signals. A score of 8.4 places EBMT in the top tier.

See all Most Undervalued State Commercial Banks Stocks →

Eagle Bancorp Montana, Inc.'s positioning within the State Commercial Banks segment means that cost-to-income ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including fee income diversification — shape both the opportunity set and risk profile.

Is EBMT a Value Trap?

CirclFi's Value Trap algorithm assigns EBMT a score of 25/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

12 of 13 models are active for Eagle Bancorp Montana, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Eagle Bancorp Montana, Inc. earns a quality score of 8.4/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +279.9% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every EBMT valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across EBMT's 12 active models, average confidence is 43%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Eagle Bancorp Montana, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar State Commercial Banks Stocks Should You Also Analyze?

8 related State Commercial Banks stocks with 13-model coverage

Read investment analysis: BSVN · OFG · CZNC · NPB · UNTY

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Frequently Asked Questions About Eagle Bancorp Montana, Inc.

What is Eagle Bancorp Montana, Inc.'s intrinsic value in 2026?

Based on CirclFi's 13-model analysis, Eagle Bancorp Montana, Inc. (EBMT) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value at $53.86. The Quality of Company score is 8.4/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is EBMT overvalued or undervalued right now?

At $23.46, 6 of 12 active models suggest EBMT may be undervalued, while 6 indicate potential overvaluation. The assessment depends on which methodology best fits Eagle Bancorp Montana, Inc.'s business model in State Commercial Banks.

What does a Quality of Company score of 8.4 mean for EBMT?

Eagle Bancorp Montana, Inc.'s QOC of 8.4/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on EBMT?

CirclFi analyzes EBMT with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 12 of 13 are active for this stock. Read the full methodology →

Is EBMT a value trap in 2026?

Eagle Bancorp Montana, Inc.'s Value Trap score is 25/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

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