Eagle Bancorp Montana, Inc. (EBMT) 10-Year Financial Performance & Capital Metrics

EBMT • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingMidwest Community 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 $62M +1.0%
Total Revenue $120M +7.1%
Net Income $10M -2.8%
Return on Equity 5.68% -7.4%
Net Interest Margin 2.96% -0.3%
Efficiency Ratio 56.25% -9.9%
ROA 0.47% -6.4%
Equity / Assets 8.31% +1.9%
Book Value per Share 22.25 +2.5%
Tangible BV/Share 15.30 +5.8%
Debt/Equity 1.14 -17.4%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓13 consecutive years of dividend growth
✓Healthy dividend yield of 2.8%
✓Trading near 52-week high
✓Trading at only 0.9x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y16.9%

5Y11.76%

3Y8.92%

TTM-

Profit (Net Income) CAGR

10Y16.57%

5Y-2.1%

3Y-12.14%

TTM59.11%

EPS CAGR

10Y8.87%

5Y-6%

3Y-17.02%

TTM59.26%

ROCE

10Y Avg4.62%

5Y Avg5.36%

3Y Avg3.88%

Latest2.64%

Peer Comparison

Midwest Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TFSLTFS Financial Corporation	3.97B	14.13	44.16	4.37%	11.49%	4.41%	1.15%	2.57
ASBAssociated Banc-Corp	4.43B	26.70	37.08	4.42%	5.85%	3.62%	12.08%	0.69
ASBAAssociated Banc-Corp	4.11B	24.78	30.98	-6.56%	12.92%	3.77%	13.02%	0.17
BANFBancFirst Corporation	3.81B	114.30	17.75	12.28%	23.81%	13.33%	5.89%	0.05
SYBTStock Yards Bancorp, Inc.	2.03B	68.83	17.69	15.84%	22.86%	12.99%	6.56%	0.53
PRKPark National Corporation	2.63B	163.76	17.57	14.4%	23.46%	13.22%	6.44%	0.24
NICNicolet Bankshares, Inc.	1.97B	133.08	16.53	24.6%	23.88%	11.4%	5.95%	0.14
LKFNLakeland Financial Corporation	1.52B	59.47	16.38	9.38%	21.74%	13.06%	6.18%

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	17.94M	20.65M	23.6M	29.42M	38.38M	42.8M	46.28M	63.01M	61.75M	62.35M
NII Growth %	0.18%	0.15%	0.14%	0.25%	0.3%	0.12%	0.08%	0.36%	-0.02%	0.01%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	20.4M	23.77M	27.69M	34.52M	46.1M	49.28M	49.49M	69.16M	90.89M	103.13M
Interest Expense	2.46M	3.12M	4.09M	5.1M	7.73M	6.48M	3.21M	6.15M	29.14M	40.77M
Loan Loss Provision	1.3M	1.83M	1.23M	980K	2.63M	-6.48M	861K	2M	1.46M	518K
Non-Interest Income+	11.83M	16.13M	13.88M	11.8M	22.96M	41.07M	43.7M	24.49M	21.56M	17.29M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	32.23M	39.9M	41.57M	46.32M	69.06M	90.35M	93.19M	93.65M	112.45M	120.42M
Revenue Growth %	0.27%	0.24%	0.04%	0.11%	0.49%	0.31%	0.03%	0%	0.2%	0.07%
Non-Interest Expense	25.73M	28.02M	30.02M	34.35M	44.74M	90.35M	69.84M	71.65M	70.2M	67.74M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	2.74M	6.93M	6.23M	5.9M	13.97M	0	19.28M	13.85M	11.65M	11.39M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.28%	1.53%	-0.1%	-0.05%	1.37%	-1%	-	-0.28%	-0.16%	-0.02%
Pretax Income+	2.74M	6.93M	6.23M	5.9M	13.97M	28.44M	19.28M	13.85M	11.65M	11.39M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	163K	1.8M	2.13M	914K	3.1M	7.23M	4.86M	3.15M	1.6M	1.61M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	2.58M	5.13M	4.1M	4.98M	10.87M	21.21M	14.42M	10.7M	10.06M	9.78M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.22%	0.99%	-0.2%	0.21%	1.18%	0.95%	-0.32%	-0.26%	-0.06%	-0.03%
Net Income (Continuing)	2.58M	5.13M	4.1M	4.98M	10.87M	21.21M	14.42M	10.7M	10.06M	9.78M
EPS (Diluted)+	0.67	1.32	0.99	0.91	1.69	3.11	2.17	1.45	1.29	1.24
EPS Growth %	0.26%	0.97%	-0.25%	-0.08%	0.86%	0.84%	-0.3%	-0.33%	-0.11%	-0.04%
EPS (Basic)	0.68	1.36	1.01	0.92	1.69	3.12	2.17	1.45	1.29	1.25
Diluted Shares Outstanding	3.86M	3.87M	4.13M	5.49M	6.44M	6.82M	6.66M	7.39M	7.8M	7.85M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	7.44M	7.32M	7.44M	11.2M	22.38M	62.19M	54.61M	21.81M	24.55M	31.56M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	568.33M	608.21M	648.55M	759.97M	923.12M	1.05B	1.22B	1.7B	1.8B	1.81B
Investments Growth %	0.5%	0.07%	0.07%	0.17%	0.21%	0.13%	0.16%	0.4%	0.06%	0.01%
Long-Term Investments	422.59M	479.78M	516.51M	617.81M	796.25M	884.12M	946.46M	1.35B	1.48B	1.69B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	7.03M	7.03M	7.03M	12.12M	15.84M	20.8M	20.8M	34.74M	34.74M	34.74M
Intangible Assets	5.48M	6.24M	6.85M	8.6M	11.53M	12.45M	15.47M	22.87M	21.73M	19.88M
PP&E (Net)	18.22M	19.39M	21.96M	29.34M	40.08M	58.76M	67.27M	84.32M	94.28M	101.54M
Other Assets	20.08M	21.64M	21.04M	28M	36.74M	50.61M	54.31M	63.82M	80.35M	81.41M
Total Current Assets	155.45M	137.88M	142.04M	156.84M	153.83M	230.9M	331.62M	382.59M	355.31M	163.83M
Total Non-Current Assets	474.89M	536.05M	574.75M	697.06M	900.43M	1.03B	1.1B	1.57B	1.72B	1.94B
Total Assets+	630.35M	673.92M	716.78M	853.9M	1.05B	1.26B	1.44B	1.95B	2.08B	2.1B
Asset Growth %	0.17%	0.07%	0.06%	0.19%	0.23%	0.19%	0.14%	0.36%	0.07%	0.01%
Return on Assets (ROA)	0%	0.01%	0.01%	0.01%	0.01%	0.02%	0.01%	0.01%	0%	0%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	87.67M	97.38M	107.78M	127.1M	113.29M	46.86M	34.87M	128.24M	234.74M	200.08M
Net Debt	80.23M	90.06M	100.34M	115.9M	90.91M	-15.33M	-19.74M	106.43M	210.19M	168.52M
Long-Term Debt	84.08M	97.38M	107.78M	127.1M	113.29M	46.86M	34.87M	128.24M	234.74M	200.08M
Short-Term Debt	3.59M	0	0	0	0	0	0	0	0	0
Other Liabilities	0	0	0	0	0	0	0	0	36.46M	47.02M
Total Current Liabilities	490.82M	517.09M	525.39M	632M	818.82M	1.06B	1.24B	1.66B	1.64B	1.68B
Total Non-Current Liabilities	84.08M	97.38M	107.78M	127.1M	113.78M	47.32M	35.52M	128.24M	271.2M	247.1M
Total Liabilities	574.9M	614.47M	633.17M	759.1M	932.6M	1.1B	1.28B	1.79B	1.91B	1.93B
Total Equity+	55.45M	59.46M	83.62M	94.81M	121.66M	152.94M	156.73M	158.42M	169.27M	174.76M
Equity Growth %	0.07%	0.07%	0.41%	0.13%	0.28%	0.26%	0.02%	0.01%	0.07%	0.03%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.05%	0.09%	0.06%	0.06%	0.1%	0.15%	0.09%	0.07%	0.06%	0.06%
Book Value per Share	14.37	15.35	20.23	17.27	18.90	22.42	23.55	21.45	21.71	22.25
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	41K	41K	53K	57K	67K	71K	71K	85K	85K	85K
Additional Paid-in Capital	22.15M	22.37M	42.78M	52.05M	68.83M	77.6M	80.83M	109.16M	108.82M	108.33M
Retained Earnings	37.3M	41.24M	43.94M	46.93M	55.39M	73.98M	85.38M	92.02M	96.02M	101.26M
Accumulated OCI	252K	-411K	313K	-1.11M	1.33M	5.85M	3.49M	-26.36M	-19.95M	-20.15M
Treasury Stock	-3.32M	-2.97M	-2.83M	-2.64M	-3.64M	-4.42M	-7.32M	-11.34M	-11.12M	-10.76M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	4.88M	12.89M	20.05M	13.57M	366K	2.12M	56.45M	41.91M	9.35M	28.54M
Operating CF Growth %	-0.49%	1.64%	0.56%	-0.32%	-0.97%	4.79%	25.65%	-0.26%	-0.78%	2.05%
Net Income	2.58M	5.13M	4.1M	4.98M	10.87M	21.21M	14.42M	10.7M	10.06M	9.78M
Depreciation & Amortization	2.46M	2.75M	2.48M	3.19M	4.71M	7.09M	7.83M	7.71M	7.89M	8.89M
Deferred Taxes	-344K	-20K	202K	880K	739K	-1.19M	1.03M	2.07M	-671K	-529K
Other Non-Cash Items	-316K	-472K	-357K	-432K	-16.3M	-25.49M	29.35M	19.66M	-4.35M	-4.64M
Working Capital Changes	4.33M	12.42M	19.64M	10.28M	-375K	-195K	2.8M	799K	-4.26M	14.17M
Cash from Investing+	-76.76M	-51.13M	-56.79M	-50.92M	-59.7M	-22.04M	-232.92M	-235.04M	-108.2M	-27.8M
Purchase of Investments	-28.87M	-18.86M	-24.36M	-45.97M	-51.46M	-47.72M	-132.18M	-77.07M	-28.13M	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-89.28M	-62.18M	-49.71M	-4.24M	6.9M	5.04M	-97.29M	13.4M	0	0
Other Investing	-1.79M	-1.38M	218K	-56.87M	-76.27M	-23.15M	-7.49M	-237.55M	-132.6M	-27.8M
Cash from Financing+	66.81M	38.12M	36.86M	41.12M	73.05M	64.8M	168.1M	153.51M	101.59M	6.27M
Dividends Paid	-1.16M	-1.19M	-1.4M	-2M	-2.41M	-2.62M	-3.02M	-4.06M	-4.44M	-4.54M
Share Repurchases	-1.32M	0	0	0	-1.21M	-987K	-6.28M	-4.43M	-231K	-419K
Stock Issued	0	0	20.16M	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	1000K	1000K	-1000K	-1000K	-1000K	1000K	1000K	-1000K
Other Financing	41.58M	29.61M	27.71M	23.86M	89.68M	137.18M	189.47M	67.6M	-77K	46.03M
Net Change in Cash+	-5.06M	-120K	119K	3.76M	13.72M	44.88M	-8.37M	-39.62M	2.73M	7.01M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	12.5M	7.44M	7.32M	7.44M	11.2M	24.92M	69.8M	61.43M	21.81M	24.55M
Cash at End	7.44M	7.32M	7.44M	11.2M	24.92M	69.8M	61.43M	21.81M	24.55M	31.56M
Interest Paid	0	0	0	0	6.97M	6.68M	3.47M	4.95M	24.82M	37.91M
Income Taxes Paid	0	0	0	0	2.78M	6.87M	4.44M	2.93M	3.01M	549K
Free Cash Flow+	4.25M	10.65M	16.52M	6.51M	-10.18M	-18.52M	44.24M	25.15M	-4.84M	14.46M
FCF Growth %	-0.42%	1.5%	0.55%	-0.61%	-2.56%	-0.82%	3.39%	-0.43%	-1.19%	3.99%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	4.82%	8.93%	5.74%	5.58%	10.04%	15.45%	9.31%	6.79%	6.14%	5.68%
Return on Assets (ROA)	0.44%	0.79%	0.59%	0.63%	1.14%	1.83%	1.07%	0.63%	0.5%	0.47%
Net Interest Margin	2.85%	3.06%	3.29%	3.45%	3.64%	3.4%	3.22%	3.23%	2.97%	2.96%
Efficiency Ratio	79.83%	70.22%	72.21%	74.14%	64.78%	100%	74.94%	76.51%	62.43%	56.25%
Equity / Assets	8.8%	8.82%	11.67%	11.1%	11.54%	12.16%	10.91%	8.13%	8.16%	8.31%
Book Value / Share	14.37	15.35	20.23	17.27	18.9	22.42	23.55	21.45	21.71	22.25
NII Growth	17.77%	15.09%	14.26%	24.68%	30.45%	11.53%	8.14%	36.13%	-2%	0.98%
Dividend Payout	45.12%	23.25%	34.22%	40.04%	22.14%	12.33%	20.93%	37.95%	44.17%	46.38%

Revenue by Segment

	2022	2023	2024
Bank Servicing	19.49M	14.97M	10.01M
Bank Servicing Growth	-	-23.19%	-33.11%
Debit Card	2.38M	2.52M	2.54M
Debit Card Growth	-	6.27%	0.63%
Deposit Account	1.67M	1.76M	1.65M
Deposit Account Growth	-	5.34%	-6.37%

Frequently Asked Questions

Valuation & Price

Eagle Bancorp Montana, Inc. (EBMT) has a price-to-earnings (P/E) ratio of 16.7x. This is roughly in line with market averages.

Growth & Financials

Eagle Bancorp Montana, Inc. (EBMT) grew revenue by 7.1% over the past year. This is steady growth.

Yes, Eagle Bancorp Montana, Inc. (EBMT) is profitable, generating $13.5M in net income for fiscal year 2024 (8.1% net margin).

Dividend & Returns

Yes, Eagle Bancorp Montana, Inc. (EBMT) pays a dividend with a yield of 2.78%. This makes it attractive for income-focused investors.

Eagle Bancorp Montana, Inc. (EBMT) has a return on equity (ROE) of 5.7%. This is below average, suggesting room for improvement.

Industry Metrics

Eagle Bancorp Montana, Inc. (EBMT) has a net interest margin (NIM) of 3.0%. NIM has been under pressure due to interest rate environment.

Eagle Bancorp Montana, Inc. (EBMT) has an efficiency ratio of 56.3%. This is reasonable for a bank.

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