EBMT

Eagle Bancorp Montana, Inc.

60
Fundamentals64/ 100
Valuation51/ 100
Upside potential68/ 100
Risk potential11/ 100

EBMT's fundamentals are mixed: revenue grew 9.6%, while earnings per share grew 15%. At 10x earnings, it's trading right at its usual valuation. Analysts expect earnings growth, though they disagree widely on how much.

IREN

IREN Limited

There isn't enough reported data to score IREN yet.

EBMT Fundamentals

MetricStatus
Stable
Healthy
N/A
N/A

EBMT's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like EBMT.

IREN Fundamentals

MetricStatus
Under pressure
Weak
N/A
N/A

IREN's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like IREN.

EBMT PE Valuation

CHEAPFAIREXPENSIVE4.2x8.5x13x17x
CHEAPFAIREXPENSIVE4.2x8.5x13x17x
LevelPEPriceVs current
Cheap7.8x$15.45-25%
Forward9x$20.61โ€”
Fair10x$20.77+0.8%
Current10x$20.61โ€”
Expensive13x$24.90+21%

Historical ranges are pointers, not guarantees.

EBMT's PE is in its fair range at 10x. If earnings grow as analysts expect, today's price would be 9.0x next year's earnings.

IREN PE Valuation

IREN has no meaningful PE right now: it lost money over the past year.

EBMT Forward outlook

MetricOutlook
Improving
Growth
Growth
Improving
Limited
Low

EBMT has the edge over IREN on the outlook, with more favorable earnings expectations.

IREN Forward outlook

MetricOutlook
--
Losses growing
Strong growth
Strongly improving
Limited
Low

Analysts expect IREN's losses to grow, with revenue growing. However, they disagree widely on these estimates.

EBMT Risk to reward

ScenarioChangePrice
Upside+24%$25.49
Downside-11%$18.35

Calculated from the latest close: $20.61 on Nov 12.

There is not enough scenario data to compare EBMT and IREN's risk to reward.

IREN Risk to reward

ScenarioChangePrice
UpsideUnknownโ€”
DownsideUnknownโ€”

Calculated from the latest close: $19.48 on Nov 12.

There is not enough scenario data to compare EBMT and IREN's risk to reward.

EBMT Earnings Per Share

Q4 2023: $1.29Q1 2024: $1.11Q2 2024: $1.07Q3 2024: $1.07Q4 2024: $1.24Q1 2025: $1.41Q2 2025: $1.60Q3 2025: $1.72Q4 2025: $1.90Q1 2026: $2.00Q2 2026: $2.06Q3 2026: $1.98Forward: $2.30
Q4 2023: $1.29Q1 2024: $1.11Q2 2024: $1.07Q3 2024: $1.07Q4 2024: $1.24Q1 2025: $1.41Q2 2025: $1.60Q3 2025: $1.72Q4 2025: $1.90Q1 2026: $2.00Q2 2026: $2.06Q3 2026: $1.98Forward: $2.30
QuarterTTM EPSYoY
Forward$2.30+16%
Q3 2026$1.98+15%
Q2 2026$2.06+29%
Q1 2026$2.00+42%
Q4 2025$1.90+53%
Q3 2025$1.72+61%
Q2 2025$1.60+50%
Q1 2025$1.41+27%
Q4 2024$1.24-3.9%

EBMT has the edge over IREN on earnings quality, reporting a profit while its opponent remains loss making.

IREN Earnings Per Share

Q4 2023: $-0.29Q1 2024: $-0.16Q2 2024: $-0.20Q3 2024: $-0.39Q4 2024: $-0.44Q1 2025: $-0.59Q2 2025: $0.25Q3 2025: $1.60Q4 2025: $1.18Q1 2026: $0.51Q2 2026: $-2.22Q3 2026: $-3.96
Q4 2023: $-0.29Q1 2024: $-0.16Q2 2024: $-0.20Q3 2024: $-0.39Q4 2024: $-0.44Q1 2025: $-0.59Q2 2025: $0.25Q3 2025: $1.60Q4 2025: $1.18Q1 2026: $0.51Q2 2026: $-2.22Q3 2026: $-3.96
QuarterTTM EPSYoY
Q3 2026-$3.96-347%
Q2 2026-$2.22-988%
Q1 2026$0.51+$1.10
Q4 2025$1.18+$1.62
Q3 2025$1.60+$1.99
Q2 2025$0.25+$0.45
Q1 2025-$0.59-$0.43
Q4 2024-$0.44-$0.15

IREN has swung to a loss: it lost $3.96 per share over the past year, after a profit the year before.

EBMT Quarterly Revenue

Q4 2023: $21MQ1 2024: $19MQ2 2024: $20MQ3 2024: $21MQ4 2024: $21MQ1 2025: $21MQ2 2025: $23MQ3 2025: $23MQ4 2025: $24MQ1 2026: $24MQ2 2026: $24MQ3 2026: $25M
Q4 2023: $21MQ1 2024: $19MQ2 2024: $20MQ3 2024: $21MQ4 2024: $21MQ1 2025: $21MQ2 2025: $23MQ3 2025: $23MQ4 2025: $24MQ1 2026: $24MQ2 2026: $24MQ3 2026: $25M
QuarterRevenueYoY
Q3 2026$25.1M+7.2%
Q2 2026$24.2M+5.2%
Q1 2026$23.6M+13%
Q4 2025$24.3M+14%
Q3 2025$23.4M+13%
Q2 2025$23M+15%
Q1 2025$20.9M+9.1%
Q4 2024$21.4M+1.7%

EBMT's revenue has grown year over year for eight quarters in a row: $25M last quarter, up 7.2% from the same quarter a year ago.

IREN Quarterly Revenue

Q4 2023: $42MQ1 2024: $54MQ2 2024: $57MQ3 2024: $53MQ4 2024: $116MQ1 2025: $145MQ2 2025: $187MQ3 2025: $240MQ4 2025: $185MQ1 2026: $145MQ2 2026: $137MQ3 2026: $228M
Q4 2023: $42MQ1 2024: $54MQ2 2024: $57MQ3 2024: $53MQ4 2024: $116MQ1 2025: $145MQ2 2025: $187MQ3 2025: $240MQ4 2025: $185MQ1 2026: $145MQ2 2026: $137MQ3 2026: $228M
QuarterRevenueYoY
Q3 2026$228M-5.1%
Q2 2026$137.2M-27%
Q1 2026$144.8M0%
Q4 2025$184.7M+59%
Q3 2025$240.3M+355%
Q2 2025$187.3M+230%
Q1 2025$144.8M+168%
Q4 2024$116.1M+176%

IREN's revenue has held roughly level: $228M last quarter, down 5.1% from the same quarter a year ago.

EBMT Free Cash Flow

Q4 2023: $10MQ1 2024: $2MQ2 2024: $629,000Q3 2024: โˆ’$749,000Q4 2024: $12MQ1 2025: $262,000Q2 2025: $1MQ3 2025: $7MQ4 2025: $20MQ1 2026: โˆ’$5MQ2 2026: โˆ’$3MQ3 2026: $9M
Q4 2023: $10MQ1 2024: $2MQ2 2024: $629,000Q3 2024: โˆ’$749,000Q4 2024: $12MQ1 2025: $262,000Q2 2025: $1MQ3 2025: $7MQ4 2025: $20MQ1 2026: โˆ’$5MQ2 2026: โˆ’$3MQ3 2026: $9M
QuarterFree cash flowYoY
Q3 2026$9.5M+34%
Q2 2026-$2.8M-301%
Q1 2026-$5.2M-2079%
Q4 2025$19.6M+60%
Q3 2025$7.1M+$7.8M
Q2 2025$1.4M+121%
Q1 2025$262K-89%
Q4 2024$12.2M+27%

EBMT has the edge over IREN on cash generation, producing positive trailing cash flow while its opponent burns cash.

IREN Free Cash Flow

Q4 2023: โˆ’$29MQ1 2024: โˆ’$222MQ2 2024: โˆ’$163MQ3 2024: โˆ’$387MQ4 2024: โˆ’$134MQ1 2025: โˆ’$351MQ2 2025: $16MQ3 2025: โˆ’$38MQ4 2025: โˆ’$468MQ1 2026: โˆ’$874MQ2 2026: $482MQ3 2026: โˆ’$1.6B
Q4 2023: โˆ’$29MQ1 2024: โˆ’$222MQ2 2024: โˆ’$163MQ3 2024: โˆ’$387MQ4 2024: โˆ’$134MQ1 2025: โˆ’$351MQ2 2025: $16MQ3 2025: โˆ’$38MQ4 2025: โˆ’$468MQ1 2026: โˆ’$874MQ2 2026: $482MQ3 2026: โˆ’$1.6B
QuarterFree cash flowYoY
Q3 2026-$1.6B-$1.6B
Q2 2026$482.2M+2895%
Q1 2026-$873.8M-$523.1M
Q4 2025-$468M-$334M
Q3 2025-$38M+$349.4M
Q2 2025$16.1M+$179M
Q1 2025-$350.7M-$128.7M
Q4 2024-$134M-$105.2M

IREN's free cash flow was โˆ’$2.5B over the past year, against โˆ’$507M the year before. Free cash flow isn't a meaningful measure for financial services companies like IREN.

EBMT Total Shares

Q4 2023: 8MQ1 2024: 8MQ2 2024: 8MQ3 2024: 8MQ4 2024: 8MQ1 2025: 8MQ2 2025: 8MQ3 2025: 8MQ4 2025: 8MQ1 2026: 8MQ2 2026: 8MQ3 2026: 8M
Q4 2023: 8MQ1 2024: 8MQ2 2024: 8MQ3 2024: 8MQ4 2024: 8MQ1 2025: 8MQ2 2025: 8MQ3 2025: 8MQ4 2025: 8MQ1 2026: 8MQ2 2026: 8MQ3 2026: 8M
PeriodChange %Net change
Quarterly+0.1%+11.5K shares
1 year+0.6%+45.4K shares
3 years+1.1%+82K shares
5 years+20%+1.3M shares
Available history+22%+1.4M shares

EBMT has the edge over IREN on shareholder dilution, with a more favorable share count trend.

IREN Total Shares

Q4 2023: 73MQ1 2024: 112MQ2 2024: 186MQ3 2024: 189MQ4 2024: 210MQ1 2025: 219MQ2 2025: 257MQ3 2025: 362MQ4 2025: 298MQ1 2026: 334MQ2 2026: 316MQ3 2026: 399M
Q4 2023: 73MQ1 2024: 112MQ2 2024: 186MQ3 2024: 189MQ4 2024: 210MQ1 2025: 219MQ2 2025: 257MQ3 2025: 362MQ4 2025: 298MQ1 2026: 334MQ2 2026: 316MQ3 2026: 399M
PeriodChange %Net change
Quarterly+26%+82.4M shares
1 year+10%+36.9M shares
3 years+511%+333M shares
5 years+624%+344M shares
Available history+2346%+382M shares

IREN has 399M diluted shares, up 10% from a year ago.

EBMT Net Leverage

Q4 2023: 2.0xQ1 2024: 2.5xQ2 2024: 2.3xQ3 2024: 1.1xQ4 2024: 1.5xQ1 2025: 1.9xQ2 2025: 1.5xQ3 2025: 1.3xQ4 2025: -0.7xQ1 2026: -0.4xQ2 2026: 0.6xQ3 2026: 0.8x
Q4 2023: 2.0xQ1 2024: 2.5xQ2 2024: 2.3xQ3 2024: 1.1xQ4 2024: 1.5xQ1 2025: 1.9xQ2 2025: 1.5xQ3 2025: 1.3xQ4 2025: -0.7xQ1 2026: -0.4xQ2 2026: 0.6xQ3 2026: 0.8x
QuarterNet LeverageStatus
Q3 20260.8xVery low
Q2 20260.6xVery low
Q1 2026-0.4xNet Cash
Q4 2025-0.7xNet Cash
Q3 20251.3xHealthy
Q2 20251.5xHealthy
Q1 20251.9xHealthy
Q4 20241.5xHealthy

EBMT's net debt is less than a year of its operating earnings (EBITDA), down from 1.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like EBMT.

IREN Net Leverage

Q4 2023: -11.0xQ1 2024: -10.6xQ2 2024: -15.9xQ3 2024: -16.7xQ4 2024: -4.6xQ1 2025: 3.3xQ2 2025: 2.0xQ3 2025: 4.1xQ4 2025: 22.2xQ1 2026: 157.6x
Q4 2023: -11.0xQ1 2024: -10.6xQ2 2024: -15.9xQ3 2024: -16.7xQ4 2024: -4.6xQ1 2025: 3.3xQ2 2025: 2.0xQ3 2025: 4.1xQ4 2025: 22.2xQ1 2026: 157.6x
QuarterNet LeverageStatus
Q1 2026157.6xHigh
Q4 202522.2xHigh
Q3 20254.1xHigh
Q2 20252.0xModerate
Q1 20253.3xElevated
Q4 2024-4.6xNet Cash
Q3 2024-16.7xNet Cash
Q2 2024-15.9xNet Cash

IREN's net debt is more than 20 years of its operating earnings (EBITDA), up from 3.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like IREN.

EBMT Weekly Momentum

MetricValueStatus
RSI38.8Neutral
Stochastic18.6Oversold

EBMT's weekly RSI is 39 (neutral) and its Stochastic is 19 (oversold).

IREN Weekly Momentum

MetricValueStatus
RSI33.3Neutral
Stochastic8.2Oversold

IREN's weekly RSI is 33 (neutral) and its Stochastic is 8 (oversold).

EBMT PE vs Financial Services Sector

MetricEBMTSector medianRelative
PE10x13x20% below
PE %486315 pts below

EBMT is trading at 10x earnings, a 20% discount to the Financial Services sector's median of 13x.

IREN PE vs Financial Services Sector

MetricIRENSector medianRelative
PEN/A13xโ€”

IREN has no meaningful PE right now: it lost money over the past year.

EBMT Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$21.01.9% below
20 week MA$22.37.4% below
50 week MA$21.85.4% below
100 week MA$19.27.5% above
200 week MA$16.624% above

EBMT has the edge over IREN on trend strength, trading above more of its moving averages.

IREN Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$29.835% below
20 week MA$36.246% below
50 week MA$42.854% below
100 week MA$32.039% below
200 week MA$19.12.1% above

IREN has fallen below most of its moving averages, though it's still 2.1% above its 200-week average.

EBMT Yearly ROI

YearStart priceEnd priceROI
2020$21.1$21.9+3.8%
2021$21.9$22.9+4.7%
2022$22.9$16.2-29%
2023$16.2$15.8-2.4%
2024$15.8$15.3-3.4%
2025$15.3$19.8+30%
2026 YTD$19.8$20.6+4.2%

EBMT has the edge over IREN on returns for 2026, with the stronger performance.

IREN Yearly ROI

YearStart priceEnd priceROI
2021$24.8$17.2-31%
2022$17.2$1.19-93%
2023$1.19$7.15+501%
2024$7.15$10.7+50%
2025$10.7$40.3+276%
2026 YTD$40.3$19.5-52%

IREN's yearly returns have swung widely, from +501% in 2023 to โˆ’93% in 2022. It's down 52% so far in 2026.

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