Head to Head Review: Eagle Bancorp Montana (NASDAQ:EBMT) versus First Western Financial (NASDAQ:MYFW)

Eagle Bancorp Montana (NASDAQ:EBMTGet Free Report) and First Western Financial (NASDAQ:MYFWGet Free Report) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their earnings, risk, analyst recommendations, valuation, institutional ownership, dividends and profitability.

Earnings & Valuation

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

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Eagle Bancorp Montana $114.34 million 0.93 $10.06 million $1.12 11.85
First Western Financial $167.52 million 0.98 $5.22 million $0.77 22.08

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

Risk and Volatility

Eagle Bancorp Montana has a beta of 0.53, indicating that its stock price is 47% less volatile than the S&P 500. Comparatively, First Western Financial has a beta of 0.6, indicating that its stock price is 40% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of recent recommendations for Eagle Bancorp Montana and First Western Financial, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Eagle Bancorp Montana 0 1 0 0 2.00
First Western Financial 0 0 1 0 3.00

Eagle Bancorp Montana presently has a consensus price target of $14.00, suggesting a potential upside of 5.50%. First Western Financial has a consensus price target of $19.00, suggesting a potential upside of 11.76%. Given First Western Financial’s stronger consensus rating and higher possible upside, analysts plainly believe First Western Financial is more favorable than Eagle Bancorp Montana.

Profitability

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

Net Margins Return on Equity Return on Assets
Eagle Bancorp Montana 7.39% 5.29% 0.42%
First Western Financial 4.28% 3.43% 0.28%

Insider & Institutional Ownership

35.7% of Eagle Bancorp Montana shares are held by institutional investors. Comparatively, 60.3% of First Western Financial shares are held by institutional investors. 6.7% of Eagle Bancorp Montana shares are held by insiders. Comparatively, 17.9% of First Western Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Summary

First Western Financial beats Eagle Bancorp Montana on 9 of the 14 factors compared between the two stocks.

About Eagle Bancorp Montana

(Get Free Report)

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 full-service branches and automated teller machines. Eagle Bancorp Montana, Inc. was founded in 1922 and is headquartered in Helena, Montana.

About First Western Financial

(Get Free Report)

First Western Financial, Inc., a financial holding company, provides wealth advisory, private baking, personal trust, investment management, mortgage lending, and institutional asset management services. The company operates through two segments: Wealth Management and Mortgage. The Wealth Management segment provides deposit, loan, life insurance, and trust and investment management advisory products and services. The Mortgage segment engages in soliciting, originating, and selling mortgage loans into the secondary market. It serves entrepreneurs, professionals, high net worth individuals or families, and business and philanthropic organizations. First Western Financial, Inc. was incorporated in 2002 and is headquartered in Denver, Colorado.

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