Eagle Bancorp Montana (NASDAQ:EBMT) and RBB Bancorp (NASDAQ:RBB) Head-To-Head Analysis

Eagle Bancorp Montana (NASDAQ:EBMTGet Rating) and RBB Bancorp (NASDAQ:RBBGet Rating) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their analyst recommendations, valuation, dividends, profitability, earnings, institutional ownership and risk.

Profitability

This table compares Eagle Bancorp Montana and RBB Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Eagle Bancorp Montana 9.13% 6.74% 0.61%
RBB Bancorp 34.92% 13.38% 1.55%

Risk and Volatility

Eagle Bancorp Montana has a beta of 0.52, meaning that its share price is 48% less volatile than the S&P 500. Comparatively, RBB Bancorp has a beta of 0.85, meaning that its share price is 15% less volatile than the S&P 500.

Earnings & Valuation

This table compares Eagle Bancorp Montana and RBB Bancorp’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Eagle Bancorp Montana $97.52 million 1.38 $14.42 million $1.22 13.81
RBB Bancorp $165.81 million 2.43 $56.91 million $3.20 6.65

RBB Bancorp has higher revenue and earnings than Eagle Bancorp Montana. RBB Bancorp is trading at a lower price-to-earnings ratio than Eagle Bancorp Montana, indicating that it is currently the more affordable of the two stocks.

Analyst Recommendations

This is a summary of current ratings and recommmendations for Eagle Bancorp Montana and RBB Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Eagle Bancorp Montana 0 2 1 0 2.33
RBB Bancorp 0 2 1 0 2.33

Eagle Bancorp Montana presently has a consensus price target of $21.00, indicating a potential upside of 24.63%. RBB Bancorp has a consensus price target of $26.50, indicating a potential upside of 24.59%. Given Eagle Bancorp Montana’s higher probable upside, equities research analysts clearly believe Eagle Bancorp Montana is more favorable than RBB Bancorp.

Insider & Institutional Ownership

32.6% of Eagle Bancorp Montana shares are owned by institutional investors. Comparatively, 36.6% of RBB Bancorp shares are owned by institutional investors. 7.4% of Eagle Bancorp Montana shares are owned by company insiders. Comparatively, 20.9% of RBB Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Dividends

Eagle Bancorp Montana pays an annual dividend of $0.55 per share and has a dividend yield of 3.3%. RBB Bancorp pays an annual dividend of $0.56 per share and has a dividend yield of 2.6%. Eagle Bancorp Montana pays out 45.1% of its earnings in the form of a dividend. RBB Bancorp pays out 17.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Eagle Bancorp Montana has increased its dividend for 11 consecutive years and RBB Bancorp has increased its dividend for 2 consecutive years. Eagle Bancorp Montana is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

RBB Bancorp beats Eagle Bancorp Montana on 11 of the 15 factors compared between the two stocks.

About Eagle Bancorp Montana

(Get Rating)

Eagle Bancorp Montana, Inc. operates as the bank holding company for Opportunity Bank of Montana that provides various retail banking products and services to small businesses and individuals in Montana. It accepts various deposit products, such as checking, savings, money market, and individual retirement accounts, as well as certificates of deposit accounts. The company also provides 1-4 family residential mortgage loans, such as residential mortgages and construction of residential properties; commercial real estate loans, including multi-family dwellings, nonresidential property, commercial construction and development, and farmland loans; and second mortgage/home equity loans. In addition, it offers consumer loans, such as loans secured by collateral other than real estate, such as automobiles, recreational vehicles, and boats; personal loans and lines of credit; commercial business loans consisting of business loans and lines of credit on a secured and unsecured basis; construction loans; agricultural loans; and mortgage loan services. The company operates 23 full-service branches, 1 community banking office, and 25 automated teller machines. Eagle Bancorp Montana, Inc. was founded in 1922 and is headquartered in Helena, Montana.

About RBB Bancorp

(Get Rating)

RBB Bancorp is a bank holding company, which engages in the provision of commercial banking services through its subsidiaries. Its services include remote deposit, e-banking, mobile banking, commercial and investor real estate loans, business loans and lines of credit, SBA 7A and 504 loans, mortgage loans, trade finance, and a range of depository accounts. The company was founded in January 2011 and is headquartered in Los Angeles, CA.

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