Under the Radar: They Told You Small Caps Are Dead. They Lied.
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jul 15 2025
0mins
Source: Benzinga
Small-Cap Investing Critique: The article argues that small-cap investing is ineffective, suggesting that investors should focus on large tech companies and avoid small stocks trading below book value, which are often seen as unprofitable.
High-Quality Small Companies: Despite the general skepticism towards small-cap stocks, the article highlights three under-the-radar small companies—Oil States International, NACCO Industries, and Eagle Bancorp Montana—that exhibit strong fundamentals and potential for growth, advocating for a selective approach to small-cap investments.
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Analyst Views on EBMT
About EBMT
Eagle Bancorp Montana, Inc. is the bank holding company of Opportunity Bank of Montana (the Bank). It provides loan and deposit services to customers who are predominantly small businesses and individuals throughout Montana. It is a diversified lender with a focus on residential mortgage loans, commercial real estate mortgage loans, commercial business loans, agricultural loans and second mortgage/home equity loan products. It offers a variety of deposit accounts. Deposit account terms vary, primarily as to the required minimum balance amount, the amount of time that the funds must remain on deposit and the applicable interest rate. Its current deposit products include certificates of deposit accounts ranging in terms from 90 days to five years, as well as checking, savings and money market accounts. Individual retirement account (IRA) certificates are included in certificates of deposit. It also originates in commercial real estate, home equity, and consumer and commercial loans.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Eagle Bancorp Q4 Earnings Exceed Expectations
- Earnings Beat: Eagle Bancorp reported a Q4 GAAP EPS of $0.60, exceeding expectations by $0.15, indicating robust profitability growth for the company.
- Significant Revenue Growth: The company achieved revenues of $24.3 million, a 13.8% year-over-year increase, surpassing expectations by $5.58 million, reflecting strong business expansion and market demand.
- Positive Market Reaction: The earnings beat is likely to drive Eagle Bancorp's stock price upward, enhancing investor confidence and attracting more capital inflows.
- Optimistic Outlook: With improved revenue and profitability, Eagle Bancorp demonstrates strong growth potential in future financial performance, which may further enhance its market position.
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Eagle Bancorp Montana Reports 30.3% Increase in Q4 Net Income
- Net Income Growth: In Q4 2025, Eagle Bancorp Montana reported net income of $4.7 million, reflecting a 30.3% increase from the previous quarter, with diluted earnings per share at $0.60, indicating a significant enhancement in profitability and competitive strength in the market.
- Net Interest Margin Expansion: The net interest margin reached 4.08% in Q4, a 14-basis point increase from the prior quarter and a 49-basis point increase year-over-year, demonstrating the company's success in reducing funding costs and stabilizing asset yields, thereby further strengthening its earnings profile.
- Total Deposits Increase: As of December 31, 2025, total deposits rose to $1.78 billion, a 6.0% increase compared to the previous year, indicating the company's success in attracting customer deposits, which enhances its funding base and market position.
- Shareholder Returns: The board declared a quarterly cash dividend of $0.145 per share, payable on March 6, 2026, representing an annualized yield of 2.93%, showcasing the company's commitment to returning value to shareholders and boosting investor confidence.
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