8-K Announcements
6Apr 29, 2026·SEC
Apr 28, 2026·SEC
Feb 26, 2026·SEC
Eagle Bancorp Montana, Inc. (EBMT) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Eagle Bancorp Montana, Inc. (EBMT) stock price & volume — 10-year historical chart
Eagle Bancorp Montana, Inc. (EBMT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Eagle Bancorp Montana, Inc. (EBMT) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $0.51vs $0.45+13.3% | $24Mvs $23M+2.4% |
| Q2 2026 | Mar 9, 2026 | $0.60 | $32M |
| Q1 2026 | Jan 27, 2026 | $0.60vs $0.47+27.7% | $24Mvs $24M+3.4% |
| Q4 2025 | Oct 28, 2025 | $0.46vs $0.46+0.0% | $23Mvs $18M+26.5% |
Eagle Bancorp Montana, Inc. (EBMT) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
Eagle Bancorp Montana, Inc. (EBMT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Eagle Bancorp Montana, Inc. (EBMT) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 23.6M | 29.42M | 38.38M | 42.8M | 46.28M | 63.01M | 61.75M | 62.35M | 72.18M |
| 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 | 27.69M | 34.52M | 46.1M | 49.28M | 49.49M | 69.16M | 90.89M | 103.13M | 107.69M |
| Interest Expense | 4.09M | 5.1M | 7.73M | 6.48M | 3.21M | 6.15M | 29.14M | 40.77M | 35.51M |
| Loan Loss Provision | 1.23M | 980K | 2.63M | -6.48M | 861K | 2M | 1.46M | 518K | 1.14M |
| Non-Interest Income | 13.88M | 11.8M | 22.96M | 41.07M | 43.7M | 24.49M | 21.56M | 17.29M | 18.29M |
| 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 | 30.02M | 34.35M | 44.74M | 90.35M | 69.84M | 71.65M | 70.2M | 67.74M | 70.39M |
| 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 | 2.13M | 914K | 3.1M | 7.23M | 4.86M | 3.15M | 1.6M | 1.61M | 4.06M |
| 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) | 4.1M | 4.98M | 10.87M | 21.21M | 14.42M | 10.7M | 10.06M | 9.78M | 14.84M |
| 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) | 1.01 | 0.92 | 1.69 | 3.12 | 2.17 | 1.45 | 1.29 | 1.25 | 1.90 |
| Diluted Shares Outstanding | 4.13M | 5.49M | 6.44M | 6.82M | 6.66M | 7.39M | 7.8M | 7.85M | 7.82M |
Eagle Bancorp Montana, Inc. (EBMT) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 139.48M | 153.37M | 149.25M | 225.13M | 325.87M | 371.31M | 342.82M | 150.94M | 305.8M |
| Cash & Due from Banks | 7.44M | 11.2M | 22.38M | 62.19M | 54.61M | 21.81M | 24.55M | 31.56M | 24.11M |
| Short Term Investments | 132.04M | 142.16M | 126.88M | 162.95M | 271.26M | 349.5M | 318.28M | 119.38M | 281.69M |
| Total Investments | 648.55M | 759.97M | 923.12M | 1.05B | 1.22B | 1.7B | 1.8B | 1.81B | 281.69M |
| Investments Growth % | 6.63% | 17.18% | 21.47% | 13.43% | 16.3% | 39.5% | 5.83% | 0.72% | -84.44% |
| Long-Term Investments | 516.51M | 617.81M | 796.25M | 884.12M | 946.46M | 1.35B | 1.48B | 1.69B | 0 |
| Accounts Receivables | 2.56M | 3.48M | 4.58M | 5.76M | 5.75M | 11.28M | 12.48M | 12.89M | 14.45M |
| Goodwill & Intangibles | 13.88M | 20.72M | 27.36M | 33.25M | 36.27M | 57.61M | 56.47M | 54.62M | 38.05M |
| Goodwill | 7.03M | 12.12M | 15.84M | 20.8M | 20.8M | 34.74M | 34.74M | 34.74M | 34.74M |
| Intangible Assets | 6.85M | 8.6M | 11.53M | 12.45M | 15.47M | 22.87M | 21.73M | 19.88M | 3.31M |
| PP&E (Net) | 21.96M | 29.34M | 40.08M | 58.76M | 67.27M | 84.32M | 94.28M | 101.54M | 101.44M |
| Other Assets | 21.04M | 28M | 36.74M | 50.61M | 54.31M | 63.82M | 80.35M | 81.41M | 0 |
| Total Current Assets | 142.04M | 156.84M | 153.83M | 230.9M | 331.62M | 382.59M | 355.31M | 163.83M | 320.25M |
| Total Non-Current Assets | 574.75M | 697.06M | 900.43M | 1.03B | 1.1B | 1.57B | 1.72B | 1.94B | 139.49M |
| 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 107.78M | 127.1M | 113.29M | 46.86M | 34.87M | 128.24M | 234.74M | 200.08M | 82.47M |
| Net Debt | 100.34M | 115.9M | 90.91M | -15.33M | -19.74M | 106.43M | 210.19M | 168.52M | 58.36M |
| Long-Term Debt | 107.78M | 127.1M | 113.29M | 46.86M | 34.87M | 128.24M | 234.74M | 200.08M | 82.37M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 105K |
| Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 36.46M | 47.02M | 1.38B |
| Total Current Liabilities | 525.39M | 632M | 818.82M | 1.06B | 1.24B | 1.66B | 1.64B | 1.68B | 452.29M |
| Total Non-Current Liabilities | 107.78M | 127.1M | 113.78M | 47.32M | 35.52M | 128.24M | 271.2M | 247.1M | 1.46B |
| Total Liabilities | 633.17M | 759.1M | 932.6M | 1.1B | 1.28B | 1.79B | 1.91B | 1.93B | 1.91B |
| 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 | 20.23 | 17.27 | 18.90 | 22.42 | 23.55 | 21.45 | 21.71 | 22.25 | 24.51 |
| Tangible BV per Share | 16.87 | 13.49 | 14.65 | 17.55 | 18.10 | 13.65 | 14.47 | 15.30 | 19.65 |
| Common Stock | 53K | 57K | 67K | 71K | 71K | 85K | 85K | 85K | 85K |
| Additional Paid-in Capital | 42.78M | 52.05M | 68.83M | 77.6M | 80.83M | 109.16M | 108.82M | 108.33M | 108.09M |
| Retained Earnings | 43.94M | 46.93M | 55.39M | 73.98M | 85.38M | 92.02M | 96.02M | 101.26M | 111.52M |
| Accumulated OCI | 313K | -1.11M | 1.33M | 5.85M | 3.49M | -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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Eagle Bancorp Montana, Inc. (EBMT) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 20.05M | 13.57M | 366K | 2.12M | 56.45M | 41.91M | 9.35M | 28.54M | 33.13M |
| Operating CF Growth % | 55.53% | -32.32% | -97.3% | 478.69% | 2565.44% | -25.76% | -77.7% | 205.36% | 16.08% |
| Net Income | 4.1M | 4.98M | 10.87M | 21.21M | 14.42M | 10.7M | 10.06M | 9.78M | 14.84M |
| Depreciation & Amortization | 2.48M | 3.19M | 4.71M | 7.09M | 7.83M | 7.71M | 7.89M | 8.89M | 6.03M |
| Deferred Taxes | 202K | 880K | 739K | -1.19M | 1.03M | 2.07M | -671K | -529K | -574K |
| Other Non-Cash Items | -357K | -432K | -16.3M | -25.49M | 29.35M | 19.66M | -4.35M | -4.64M | 7.85M |
| Working Capital Changes | 19.64M | 10.28M | -375K | -195K | 2.8M | 799K | -4.26M | 14.17M | 4.29M |
| Cash from Investing | -56.79M | -50.92M | -59.7M | -22.04M | -232.92M | -235.04M | -108.2M | -27.8M | 21.96M |
| Purchase of Investments | -24.36M | -45.97M | -51.46M | -47.72M | -132.18M | -77.07M | -28.13M | 0 | 0 |
| Sale/Maturity of Investments | 20.6M | 63.23M | 71.67M | 64.44M | 16.25M | 82.95M | 66.72M | 0 | 0 |
| Net Investment Activity | -3.77M | 17.26M | 20.21M | 16.71M | -115.93M | 5.88M | 38.59M | 0 | 0 |
| Acquisitions | -49.71M | -4.24M | 6.9M | 5.04M | -97.29M | 13.4M | 0 | 0 | 0 |
| Other Investing | 218K | -56.87M | -76.27M | -23.15M | -7.49M | -237.55M | -132.6M | -27.8M | 21.96M |
| Cash from Financing | 36.86M | 41.12M | 73.05M | 64.8M | 168.1M | 153.51M | 101.59M | 6.27M | -23.69M |
| Dividends Paid | -1.4M | -2M | -2.41M | -2.62M | -3.02M | -4.06M | -4.44M | -4.54M | -4.58M |
| Share Repurchases | 0 | 0 | -1.21M | -987K | -6.28M | -4.43M | -231K | -419K | -1.57M |
| Stock Issued | 20.16M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 20.16M | 0 | -1.21M | -987K | -6.28M | -4.43M | -231K | -419K | -1.57M |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | -1000K | 1000K | 1000K | -1000K | -1000K |
| Other Financing | 27.71M | 23.86M | 89.68M | 137.18M | 189.47M | 67.6M | -77K | 46.03M | 67.46M |
| 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 7.32M | 7.44M | 11.2M | 24.92M | 69.8M | 61.43M | 21.81M | 24.55M | 31.56M |
| Cash at End | 7.44M | 11.2M | 24.92M | 69.8M | 61.43M | 21.81M | 24.55M | 31.56M | 62.96M |
| Interest Paid | 0 | 0 | 6.97M | 6.68M | 3.47M | 4.95M | 24.82M | 37.91M | 37.12M |
| Income Taxes Paid | 0 | 0 | 2.78M | 6.87M | 4.44M | 2.93M | 3.01M | 549K | 3.16M |
| 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% |
Eagle Bancorp Montana, Inc. (EBMT) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 15.35 | 20.23 | 17.27 | 18.9 | 22.42 | 23.55 | 21.45 | 21.71 | 22.25 | 24.51 |
| 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% |
Eagle Bancorp Montana, Inc. (EBMT) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 29, 2026·SEC
Apr 28, 2026·SEC
Feb 26, 2026·SEC
Eagle Bancorp Montana, Inc. (EBMT) stock FAQ — growth, dividends, profitability & financials explained
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).
Yes, Eagle Bancorp Montana, Inc. (EBMT) pays a dividend with a yield of 2.56%. 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.
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.
Eagle Bancorp Montana, Inc. (EBMT) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates