Eagle Bancorp Montana Inc (EBMT)vsU.S. Bancorp (USB)
EBMT
Eagle Bancorp Montana Inc
$20.20
-3.26%
FINANCIAL SERVICES · Cap: $161.86M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 29057% more annual revenue ($26.35B vs $90.39M). USB leads profitability with a 28.7% profit margin vs 16.4%. EBMT appears more attractively valued with a PEG of 1.61. USB earns a higher WallStSmart Score of 75/100 (B).
EBMT
Strong Buy72
out of 100
Grade: B
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+74.3%
Fair Value
$88.92
Current Price
$20.20
$68.72 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 27.2%
Earnings expanding 40.9% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : EBMT
The strongest argument for EBMT centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 16.4% and operating margin at 27.2%. Revenue growth of 13.4% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : EBMT
The primary concerns for EBMT are PEG Ratio, Market Cap.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
USB carries more volatility with a beta of 1.04 — expect wider price swings.
EBMT is growing revenue faster at 13.4% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (75/100 vs 72/100), backed by strong 28.7% margins. EBMT offers better value entry with a 74.3% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Eagle Bancorp Montana Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Eagle Bancorp Montana, Inc. is the banking holding company for Opportunity Bank of Montana offering a variety of retail banking products and services to small businesses and individuals in Montana. The company is headquartered in Helena, Montana.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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