Critical Comparison: Mission Valley Bancorp (OTCMKTS: MVLY) and Eagle Bancorp Montana (NASDAQ: EBMT)

July 8, 2022

Montana Loans

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Mission Valley Bancorp (OTCMKTS: MVLYGet a rating) and Eagle Bancorp Montana (NASDAQ: EBMTGet a rating) are both small cap finance companies, but which stock is better? We’ll compare the two companies based on their dividend strength, institutional ownership, analyst recommendations, profitability, valuation, earnings and risk.

Benefits and evaluation

This table compares the revenue, earnings per share and valuation of Mission Valley Bancorp and Eagle Bancorp Montana.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Mission Valley Bancorp N / A N / A $2.30 million N / A N / A
Eagle Bancorp Montana $97.52 million 1.35 $14.42 million $1.70 11.56

Eagle Bancorp Montana has higher revenues and profits than Mission Valley Bancorp.

Dividends

Mission Valley Bancorp pays an annual dividend of $0.15 per share and has a dividend yield of 1.1%. Eagle Bancorp Montana pays an annual dividend of $0.50 per share and has a dividend yield of 2.5%. Eagle Bancorp Montana pays 29.4% of its earnings as a dividend. Eagle Bancorp Montana has increased its dividend for 11 consecutive years. Eagle Bancorp Montana is clearly the better dividend-paying stock, given its higher yield and longer track record of dividend growth.

Insider and Institutional Ownership

7.2% of Mission Valley Bancorp shares are held by institutional investors. By comparison, 46.9% of Eagle Bancorp Montana’s shares are held by institutional investors. 7.4% of the shares of Eagle Bancorp Montana are held by insiders of the company. Strong institutional ownership indicates that large fund managers, hedge funds, and endowments believe a company is poised for long-term growth.

Risk and Volatility

Mission Valley Bancorp has a beta of 0.55, indicating that its stock price is 45% less volatile than the S&P 500. In comparison, Eagle Bancorp Montana has a beta of 0.64, indicating that its stock price is its stock is 36% less volatile than the S&P 500.

Profitability

This table compares the net margins, return on equity and return on assets of Mission Valley Bancorp and Eagle Bancorp Montana.

Net margins Return on equity return on assets
Mission Valley Bancorp N / A N / A N / A
Eagle Bancorp Montana 12.04% 7.52% 0.80%

Analyst Notes

This is a breakdown of the current ratings of Mission Valley Bancorp and Eagle Bancorp Montana, as provided by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Mission Valley Bancorp 0 0 0 0 N / A
Eagle Bancorp Montana 0 1 0 0 2.00

Eagle Bancorp Montana has a consensus price target of $22.00, suggesting a potential upside of 11.96%. Given Eagle Bancorp Montana’s likely higher upside, analysts clearly believe that Eagle Bancorp Montana is more favorable than Mission Valley Bancorp.

Summary

Eagle Bancorp Montana beats Mission Valley Bancorp on 12 out of 13 factors compared between the two stocks.

About Mission Valley Bancorp (Get a rating)

Mission Valley Bancorp operates as a bank holding company for Mission Valley Bank which provides various personal and corporate banking services. The Company’s deposit products include interest-bearing and non-interest-bearing demand deposits and term deposits; and money market, savings and checking accounts, and certificates of deposit. Its loan portfolio includes personal loans; accounts receivable, apartment, car and truck financing; and commercial real estate, equipment, small business administration and term loans, as well as credit and debit cards, lines of credit and letters of credit. The Company also provides credit card, account reconciliation, cashier’s check, collection, mail deposit, electronic tax payment, overnight deposit, online banking, remote deposit, payroll, safe, tone banking, zero balance accounting and insurance. It operates through two branches located in Sun Valley and Santa Clarita, California. The company was founded in 2001 and is based in Sun Valley, California.

About Eagle Bancorp Montana (Get a rating)

Bancorp Montana Eagle LogoEagle Bancorp Montana, Inc. operates as a bank holding company for Opportunity Bank of Montana, which provides various retail banking products and services to small businesses and individuals in Montana. It accepts various deposit products, such as individual checking, savings, money market and retirement accounts, as well as certificates of deposit accounts. The Company also offers 1 to 4 family residential mortgages, such as residential mortgages and building residential properties; commercial real estate loans, including multi-family dwellings, non-residential property, commercial construction and development, and loans for agricultural land; and second mortgage/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 secured and unsecured business loans and lines of credit; building loans; agricultural loans; and mortgage lending services. The company operates 23 full-service branches, 1 community banking office and 25 ATMs. Eagle Bancorp Montana, Inc. was founded in 1922 and is headquartered in Helena, Montana.



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