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EBMTEagle Bancorp Montana, Inc.
$22.91$182M
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EBMT logoEagle Bancorp Montana, Inc.(EBMT)Earnings, Financials & Key Ratios

EBMT•NASDAQ•Banking & Credit
12.1× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommunity and retail regional banks
AboutEagle 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 23 full-service branches, 1 community banking office, and 25 automated teller machines. Eagle Bancorp Montana, Inc. was founded in 1922 and is headquartered in Helena, Montana.Show more
  • Net Interest Income$72M+15.8%
  • Total Revenue$126M+4.6%
  • Net Income$15M+51.7%
  • Return on Equity8.09%+42.4%
  • Net Interest Margin3.43%+15.6%
  • Efficiency Ratio55.87%-0.7%
  • ROA0.7%+50.6%
  • Equity / Assets9.11%+9.6%
  • Book Value per Share24.51+10.2%

EBMT Key Insights

Eagle Bancorp Montana, Inc. (EBMT) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Dividend Aristocrat: 26 years of consecutive increases
  • ✓Strong Piotroski F-Score: 9/9
  • ✓Healthy dividend yield of 2.6%
  • ✓Trading near 52-week high
  • ✓Trading at only 0.9x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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EBMT Price & Volume

Eagle Bancorp Montana, Inc. (EBMT) stock price & volume — 10-year historical chart

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EBMT Growth Metrics

Eagle Bancorp Montana, Inc. (EBMT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years14.61%
5 Years6.87%
3 Years10.39%
TTM-

Profit CAGR

10 Years19.12%
5 Years-6.9%
3 Years11.5%
TTM51.72%

EPS CAGR

10 Years10.99%
5 Years-9.39%
3 Years9.43%
TTM51.61%

Return on Capital

10 Years4.5%
5 Years4.66%
3 Years2.56%
Last Year1.82%

EBMT Recent Earnings

Eagle Bancorp Montana, Inc. (EBMT) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 5/12 qtrs (56%)●Beat Revenue 9/12 qtrs (100%)
Q2 2026Latest
Apr 28, 2026
Metric
Actual
Est
EPS
$0.51+13.3%
$0.45
Rev
$24M+2.4%
$23M
Q2 2026
Mar 9, 2026
Metric
Actual
Est
EPS
$0.60
—
Rev
$32M
—
Q1 2026
Jan 27, 2026
Metric
Actual
Est
EPS
$0.60+27.7%
$0.47
Rev
$24M+3.4%
$24M
Q4 2025
Oct 28, 2025
Metric
Actual
Est
EPS
$0.46+0.0%
$0.46
Rev
$23M+26.5%
$18M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 28, 2026
$0.51vs $0.45+13.3%
$24Mvs $23M+2.4%
Q2 2026Mar 9, 2026
$0.60
$32M
Q1 2026Jan 27, 2026
$0.60vs $0.47+27.7%
$24Mvs $24M+3.4%
Q4 2025Oct 28, 2025
$0.46vs $0.46+0.0%
$23Mvs $18M+26.5%
Based on last 12 quarters of dataView full earnings history →

EBMT Peer Comparison

Eagle Bancorp Montana, Inc. (EBMT) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
MSBI logoMSBIMidland States Bancorp, Inc.Direct Competitor631.75M29.43-4.79-14.37%-27.26%-21.66%0.76
FIBK logoFIBKFirst Interstate BancSystem, Inc.Direct Competitor3.55B36.4312.39-28.52%22.67%8.83%0.23
GBCI logoGBCIGlacier Bancorp, Inc.Direct Competitor6.3B48.4324.3414.48%16.77%6.53%0.69
WAFD logoWAFDWaFd, Inc.Direct Competitor2.81B36.4813.87-1.58%17.46%8.02%0.60
NWBI logoNWBINorthwest Bancshares, Inc.Direct Competitor2.12B14.4815.7416.3%14.37%7.18%0.24
CZWI logoCZWICitizens Community Bancorp, Inc.Product Competitor205.47M21.3414.62-9.41%16.01%7.81%0.28
HFBL logoHFBLHome Federal Bancorp, Inc. of LouisianaProduct Competitor62.42M20.3016.11-2.88%15.66%9.28%0.07
BSVN logoBSVNBank7 Corp.Product Competitor438.24M45.6510.14-3.87%31.38%18.21%

Compare EBMT vs Peers

Eagle Bancorp Montana, Inc. (EBMT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs MSBI

Most directly comparable listed peer for EBMT.

Scale Benchmark

vs FIS

Larger-name benchmark to compare EBMT against a more recognizable public peer.

Peer Set

Compare Top 5

vs MSBI, FIBK, GBCI, WAFD

EBMT Income Statement

Eagle Bancorp Montana, Inc. (EBMT) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
23.6M29.42M38.38M42.8M46.28M63.01M61.75M62.35M72.18M
NII Growth %
14.26%24.68%30.45%11.53%8.14%36.13%-2%0.98%15.75%
Net Interest Margin %
3.29%3.45%3.64%3.4%3.22%3.23%2.97%2.96%3.43%
Interest Income
27.69M34.52M46.1M49.28M49.49M69.16M90.89M103.13M107.69M
Interest Expense
4.09M5.1M7.73M6.48M3.21M6.15M29.14M40.77M35.51M
Loan Loss Provision
1.23M980K2.63M-6.48M861K2M1.46M518K1.14M
Non-Interest Income
13.88M11.8M22.96M41.07M43.7M24.49M21.56M17.29M18.29M
Non-Interest Income %
33.39%25.48%33.24%45.45%46.89%26.15%19.17%14.36%14.51%
Total Revenue
41.57M▲ 0%
46.32M▲ 11.4%
69.06M▲ 49.1%
90.35M▲ 30.8%
93.19M▲ 3.1%
93.65M▲ 0.5%
112.45M▲ 20.1%
120.42M▲ 7.1%
125.97M▲ 4.6%
Revenue Growth %
4.18%11.44%49.08%30.83%3.14%0.48%20.08%7.09%4.61%
Non-Interest Expense
30.02M34.35M44.74M90.35M69.84M71.65M70.2M67.74M70.39M
Efficiency Ratio
72.21%74.14%64.78%100%74.94%76.51%62.43%56.25%55.87%
Operating Income
6.23M▲ 0%
5.9M▼ 5.4%
13.97M▲ 136.9%
0▼ 100.0%
19.28M▲ 0%
13.85M▼ 28.2%
11.65M▼ 15.8%
11.39M▼ 2.3%
18.93M▲ 66.2%
Operating Margin %
14.99%12.73%20.23%0%20.69%14.79%10.36%9.46%15.03%
Operating Income Growth %
-10.1%-5.38%136.91%-100%--28.18%-15.84%-2.27%66.22%
Pretax Income
6.23M▲ 0%
5.9M▼ 5.4%
13.97M▲ 136.9%
28.44M▲ 103.6%
19.28M▼ 32.2%
13.85M▼ 28.2%
11.65M▼ 15.8%
11.39M▼ 2.3%
18.89M▲ 65.9%
Pretax Margin %
14.99%12.73%20.23%31.48%20.69%14.79%10.36%9.46%15%
Income Tax
2.13M914K3.1M7.23M4.86M3.15M1.6M1.61M4.06M
Effective Tax Rate %
34.15%15.5%22.16%25.44%25.22%22.73%13.71%14.15%21.48%
Net Income
4.1M▲ 0%
4.98M▲ 21.4%
10.87M▲ 118.2%
21.21M▲ 95.1%
14.42M▼ 32.0%
10.7M▼ 25.8%
10.06M▼ 6.0%
9.78M▼ 2.8%
14.84M▲ 51.7%
Net Margin %
9.87%10.75%15.74%23.47%15.47%11.43%8.94%8.12%11.78%
Net Income Growth %
-20.05%21.42%118.23%95.05%-32.01%-25.79%-6.03%-2.76%51.72%
Net Income (Continuing)
4.1M4.98M10.87M21.21M14.42M10.7M10.06M9.78M14.84M
EPS (Diluted)
0.99▲ 0%
0.91▼ 8.1%
1.69▲ 85.7%
3.11▲ 84.0%
2.17▼ 30.2%
1.45▼ 33.2%
1.29▼ 11.0%
1.24▼ 3.9%
1.90▲ 53.2%
EPS Growth %
-25%-8.08%85.71%84.02%-30.23%-33.18%-11.03%-3.88%53.23%
EPS (Basic)
1.010.921.693.122.171.451.291.251.90
Diluted Shares Outstanding
4.13M5.49M6.44M6.82M6.66M7.39M7.8M7.85M7.82M

EBMT Balance Sheet

Eagle Bancorp Montana, Inc. (EBMT) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
139.48M153.37M149.25M225.13M325.87M371.31M342.82M150.94M305.8M
Cash & Due from Banks
7.44M11.2M22.38M62.19M54.61M21.81M24.55M31.56M24.11M
Short Term Investments
132.04M142.16M126.88M162.95M271.26M349.5M318.28M119.38M281.69M
Total Investments
648.55M759.97M923.12M1.05B1.22B1.7B1.8B1.81B281.69M
Investments Growth %
6.63%17.18%21.47%13.43%16.3%39.5%5.83%0.72%-84.44%
Long-Term Investments
516.51M617.81M796.25M884.12M946.46M1.35B1.48B1.69B0
Accounts Receivables
2.56M3.48M4.58M5.76M5.75M11.28M12.48M12.89M14.45M
Goodwill & Intangibles
13.88M20.72M27.36M33.25M36.27M57.61M56.47M54.62M38.05M
Goodwill
7.03M12.12M15.84M20.8M20.8M34.74M34.74M34.74M34.74M
Intangible Assets
6.85M8.6M11.53M12.45M15.47M22.87M21.73M19.88M3.31M
PP&E (Net)
21.96M29.34M40.08M58.76M67.27M84.32M94.28M101.54M101.44M
Other Assets
21.04M28M36.74M50.61M54.31M63.82M80.35M81.41M0
Total Current Assets
142.04M156.84M153.83M230.9M331.62M382.59M355.31M163.83M320.25M
Total Non-Current Assets
574.75M697.06M900.43M1.03B1.1B1.57B1.72B1.94B139.49M
Total Assets
716.78M▲ 0%
853.9M▲ 19.1%
1.05B▲ 23.5%
1.26B▲ 19.3%
1.44B▲ 14.2%
1.95B▲ 35.7%
2.08B▲ 6.5%
2.1B▲ 1.3%
2.11B▲ 0.2%
Asset Growth %
6.36%19.13%23.46%19.29%14.18%35.69%6.53%1.32%0.16%
Return on Assets (ROA)
0.59%0.63%1.14%1.83%1.07%0.63%0.5%0.47%0.7%
Accounts Payable
000000000
Total Debt
107.78M127.1M113.29M46.86M34.87M128.24M234.74M200.08M82.47M
Net Debt
100.34M115.9M90.91M-15.33M-19.74M106.43M210.19M168.52M58.36M
Long-Term Debt
107.78M127.1M113.29M46.86M34.87M128.24M234.74M200.08M82.37M
Short-Term Debt
00000000105K
Other Liabilities
00000036.46M47.02M1.38B
Total Current Liabilities
525.39M632M818.82M1.06B1.24B1.66B1.64B1.68B452.29M
Total Non-Current Liabilities
107.78M127.1M113.78M47.32M35.52M128.24M271.2M247.1M1.46B
Total Liabilities
633.17M759.1M932.6M1.1B1.28B1.79B1.91B1.93B1.91B
Total Equity
83.62M▲ 0%
94.81M▲ 13.4%
121.66M▲ 28.3%
152.94M▲ 25.7%
156.73M▲ 2.5%
158.42M▲ 1.1%
169.27M▲ 6.9%
174.76M▲ 3.2%
191.81M▲ 9.8%
Equity Growth %
40.64%13.38%28.32%25.71%2.48%1.08%6.85%3.24%9.76%
Equity / Assets (Capital Ratio)
11.67%11.1%11.54%12.16%10.91%8.13%8.16%8.31%9.11%
Return on Equity (ROE)
5.74%5.58%10.04%15.45%9.31%6.79%6.14%5.68%8.09%
Book Value per Share
20.2317.2718.9022.4223.5521.4521.7122.2524.51
Tangible BV per Share
16.8713.4914.6517.5518.1013.6514.4715.3019.65
Common Stock
53K57K67K71K71K85K85K85K85K
Additional Paid-in Capital
42.78M52.05M68.83M77.6M80.83M109.16M108.82M108.33M108.09M
Retained Earnings
43.94M46.93M55.39M73.98M85.38M92.02M96.02M101.26M111.52M
Accumulated OCI
313K-1.11M1.33M5.85M3.49M-26.36M-19.95M-20.15M-16.31M
Treasury Stock
-2.83M-2.64M-3.64M-4.42M-7.32M-11.34M-11.12M-10.76M-11.57M
Preferred Stock
000000000

EBMT Cash Flow Statement

Eagle Bancorp Montana, Inc. (EBMT) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
20.05M13.57M366K2.12M56.45M41.91M9.35M28.54M33.13M
Operating CF Growth %
55.53%-32.32%-97.3%478.69%2565.44%-25.76%-77.7%205.36%16.08%
Net Income
4.1M4.98M10.87M21.21M14.42M10.7M10.06M9.78M14.84M
Depreciation & Amortization
2.48M3.19M4.71M7.09M7.83M7.71M7.89M8.89M6.03M
Deferred Taxes
202K880K739K-1.19M1.03M2.07M-671K-529K-574K
Other Non-Cash Items
-357K-432K-16.3M-25.49M29.35M19.66M-4.35M-4.64M7.85M
Working Capital Changes
19.64M10.28M-375K-195K2.8M799K-4.26M14.17M4.29M
Cash from Investing
-56.79M-50.92M-59.7M-22.04M-232.92M-235.04M-108.2M-27.8M21.96M
Purchase of Investments
-24.36M-45.97M-51.46M-47.72M-132.18M-77.07M-28.13M00
Sale/Maturity of Investments
20.6M63.23M71.67M64.44M16.25M82.95M66.72M00
Net Investment Activity
-3.77M17.26M20.21M16.71M-115.93M5.88M38.59M00
Acquisitions
-49.71M-4.24M6.9M5.04M-97.29M13.4M000
Other Investing
218K-56.87M-76.27M-23.15M-7.49M-237.55M-132.6M-27.8M21.96M
Cash from Financing
36.86M41.12M73.05M64.8M168.1M153.51M101.59M6.27M-23.69M
Dividends Paid
-1.4M-2M-2.41M-2.62M-3.02M-4.06M-4.44M-4.54M-4.58M
Share Repurchases
00-1.21M-987K-6.28M-4.43M-231K-419K-1.57M
Stock Issued
20.16M00000000
Net Stock Activity
20.16M0-1.21M-987K-6.28M-4.43M-231K-419K-1.57M
Debt Issuance (Net)
1000K1000K-1000K-1000K-1000K1000K1000K-1000K-1000K
Other Financing
27.71M23.86M89.68M137.18M189.47M67.6M-77K46.03M67.46M
Net Change in Cash
119K▲ 0%
3.76M▲ 3063.0%
13.72M▲ 264.4%
44.88M▲ 227.2%
-8.37M▼ 118.6%
-39.62M▼ 373.5%
2.73M▲ 106.9%
7.01M▲ 156.5%
31.4M▲ 347.7%
Exchange Rate Effect
000000000
Cash at Beginning
7.32M7.44M11.2M24.92M69.8M61.43M21.81M24.55M31.56M
Cash at End
7.44M11.2M24.92M69.8M61.43M21.81M24.55M31.56M62.96M
Interest Paid
006.97M6.68M3.47M4.95M24.82M37.91M37.12M
Income Taxes Paid
002.78M6.87M4.44M2.93M3.01M549K3.16M
Free Cash Flow
16.52M▲ 0%
6.51M▼ 60.6%
-10.18M▼ 256.4%
-18.52M▼ 82.0%
44.24M▲ 338.9%
25.15M▼ 43.1%
-4.84M▼ 119.3%
14.46M▲ 398.6%
28.34M▲ 96.0%
FCF Growth %
55.16%-60.59%-256.35%-81.98%338.86%-43.15%-119.26%398.55%96.04%

EBMT Banking Ratios

Eagle Bancorp Montana, Inc. (EBMT) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)
8.93%5.74%5.58%10.04%15.45%9.31%6.79%6.14%5.68%8.09%
Return on Assets (ROA)
0.79%0.59%0.63%1.14%1.83%1.07%0.63%0.5%0.47%0.7%
Net Interest Margin
3.06%3.29%3.45%3.64%3.4%3.22%3.23%2.97%2.96%3.43%
Efficiency Ratio
70.22%72.21%74.14%64.78%100%74.94%76.51%62.43%56.25%55.87%
Equity / Assets
8.82%11.67%11.1%11.54%12.16%10.91%8.13%8.16%8.31%9.11%
Book Value / Share
15.3520.2317.2718.922.4223.5521.4521.7122.2524.51
NII Growth
15.09%14.26%24.68%30.45%11.53%8.14%36.13%-2%0.98%15.75%
Dividend Payout
23.25%34.22%40.04%22.14%12.33%20.93%37.95%44.17%46.38%30.86%
Related:EBMT Dividend History·EBMT Revenue History·EBMT Price History·EBMT P/E History·EBMT Financial Ratios·EBMT Institutional Holders

EBMT SEC Filings & Documents

Eagle Bancorp Montana, Inc. (EBMT) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 29, 2026·SEC

Material company update

Apr 28, 2026·SEC

Material company update

Feb 26, 2026·SEC

10-K Annual Reports

4
FY 2026

Mar 9, 2026·SEC

FY 2025

Mar 14, 2025·SEC

FY 2024

Mar 6, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 5, 2025·SEC

FY 2025

Aug 7, 2025·SEC

FY 2025

May 8, 2025·SEC

EBMT Frequently Asked Questions

Eagle Bancorp Montana, Inc. (EBMT) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Eagle Bancorp Montana, Inc. (EBMT) grew revenue by 4.6% over the past year. Growth has been modest.

Yes, Eagle Bancorp Montana, Inc. (EBMT) is profitable, generating $14.8M in net income for fiscal year 2025 (11.8% net margin).

Dividend & Returns

Yes, Eagle Bancorp Montana, Inc. (EBMT) pays a dividend with a yield of 2.55%. This makes it attractive for income-focused investors.

Eagle Bancorp Montana, Inc. (EBMT) has a return on equity (ROE) of 8.1%. This is below average, suggesting room for improvement.

Industry Metrics

Eagle Bancorp Montana, Inc. (EBMT) has a net interest margin (NIM) of 3.4%. This indicates healthy earnings from lending activities.

Eagle Bancorp Montana, Inc. (EBMT) has an efficiency ratio of 55.9%. This is reasonable for a bank.

What if you invested $1,000 in EBMT back in 2009?

Total return calculator · dividends reinvested · 17+ years of data

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How much would $100/month in EBMT be worth today?

Dollar cost averaging calculator · DCA vs lump sum

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