Head to Head Survey: Eagle Bancorp Montana (NASDAQ:EBMT) and BNCCORP (OTCMKTS:BNCC)

Institutional & Insider Ownership

35.7% of Eagle Bancorp Montana shares are held by institutional investors. 6.1% of Eagle Bancorp Montana shares are held by insiders. Comparatively, 28.4% of BNCCORP 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.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Eagle Bancorp Montana	9.03%	6.35%	0.53%
BNCCORP	15.14%	7.93%	0.84%

Valuation and Earnings

This table compares Eagle Bancorp Montana and BNCCORP”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Eagle Bancorp Montana	$121.99 million	1.11	$9.78 million	$1.41	12.05
BNCCORP	$52.44 million	1.93	$7.93 million	$2.26	12.61

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

Volatility and Risk

Eagle Bancorp Montana has a beta of 0.35, suggesting that its stock price is 65% less volatile than the S&P 500. Comparatively, BNCCORP has a beta of 0.51, suggesting that its stock price is 49% less volatile than the S&P 500.

Summary

BNCCORP beats Eagle Bancorp Montana on 8 of the 11 factors compared between the two stocks.

About Eagle Bancorp Montana

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 BNCCORP

BNCCORP, Inc. operates as the bank holding company for BNC National Bank that provides community banking, retail and mortgage banking, and wealth management services to businesses and consumers. The company offers commercial banking services, including business financing, commercial real estate lending, small business administration loans, business checking, cash management, corporate credit cards, and merchant services to small to middle-market businesses. It also provides retail and mortgage banking services, such as personal checking and savings products, personal loans, and card services; and residential loans through a consumer direct channel, as well as a retail channel. In addition, the company offers wealth management solutions, including 401(k) and other retirement plans, trust services, and personal wealth advisory services. It offers community banking and wealth management services through 11 locations in Arizona and North Dakota; and mortgage banking services through 7 locations in Arizona, North Dakota, Illinois, and Kansas. The company was incorporated in 1987 and is headquartered in Bismarck, North Dakota.