A portfolio of stocks I've been building since September 3 is named Volio. It will eventually hold 52 dividend dogs. Volio is the fifth portfolio I've built (at a one dividend dog per-week pace) since 2014. Five portfolios = V for Volio!

Today I'm reviewing the third of four financial services sector stocks striving to join my Volio folio. This could be the seventeenth pick for Volio!

That financial services sector includes twenty industries ranging from Asset Management to 8 kinds of Banks, Credit, Exchanges, 6 kinds of Insurance, Savings, and all such financial concerns.

My subject today is another micro-cap regional bank, named, Eagle Bancorp Montana Inc. Their trading ticker symbol is EBMT. This is my first report on EBMT.

Eagle Bancorp Montana Inc operates as a bank holding company. It provides loan and deposit services throughout Montana.

It focuses on residential loans, commercial real estate loans, commercial loans, consumer loans, and home equity loan products.

The bank also offers wealth management products and services, deposit accounts which include checking, savings, money market, individual retirement accounts, and certificates of deposit accounts.

It operates 22 branch offices and 19 automated teller machines, as well as various branches under the Dutton State Bank, Farmers State Bank of Denton, and The State Bank of Townsend brands.

The company was founded in 1922 and is headquartered in Helena, Montana.

I use three key data points to gauge dividend-paying equities or funds like Eagle Bancorp Montana Inc:

(1) Price

(2) Dividends

(3) Returns

Besides those three, several other keys will finally unlock an equity or fund in which to invest, or not.

Those three basic keys, however, best tell whether a company has made, is making, and will make money.

EBMT Price

Eagle's price per share closed at $21.30 Tuesday. A year ago its price was $16.99. So, in the past year, its price moved up $4.31, or over 25%.

Assuming Eagle's stock trades in the range of $16 to $26 this next year, it's recent $21.30 price could rise by $2.70  to reach $24.00 by late-December, 2020, assuming upward price momentum returns.

EBMT Dividends

Eagle's latest declared quarterly dividend was $0.095 per share paid December 6th.

That $0.095 Q dividend equates to $0.38 annually and yields 1.78% based on yesterday's $21.30 closing price.

EBMT Gains?

Adding the $0.38 annual estimated dividend to my $2.70 optimistic estimate of Eagle's price upside shows a $3.08 potential gross gain, per share, which will be reduced by any costs to trade these shares.

As for costs, if we put a little over $1,000.00 today in Eagle Bancorp Montana Inc at its recent $21.30 price, would buy 47 shares of EBMT.

A $10 broker fee paid half at purchase and half at sale could cost us about $0.21 per share.

Subtract that $0.21 brokerage cost from the estimated $3.08 gross estimated gain per share leaves a net gain of $2.87 X 47 shares = $134.89 or a 13.45% net gain on a $1,001.10 investment.

Therefore, Eagle Bancorp Montana Inc, whose trading ticker symbol is EBMT shows a possible 13.45% net gain including a 1.78% dividend yield. It could be more, it could be less.

The above speculation is based on past year performance. The actual results remain to be seen to learn if Eagle Bancorp Montana Inc, is worth your time and money.