Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Eagle Bancorp Montana, Inc.'s quarterly P/E stands at 8.3x, down 4.8% year-over-year. EV/EBITDA has compressed 31.5% YoY to 8.4x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.06 | 8.29 | 9.39 | 10.16 | 10.22 | 8.71 | 11.61 | 15.08 | 13.38 | 14.10 | 8.75 | 12.72 | 8.40 |
| — | -4.8% | -19.2% | -32.6% | -23.6% | -38.2% | +32.7% | +18.5% | +59.2% | +64.0% | -26.3% | -38.7% | -51.9% | |
| P/S Ratio | 1.45 | 1.20 | 1.05 | 1.03 | 1.10 | 0.98 | 0.99 | 0.88 | 0.88 | 1.03 | 0.78 | 0.92 | 1.10 |
| — | +22.7% | +6.1% | +17.6% | +25.0% | -5.1% | +26.4% | -4.7% | -19.9% | -24.5% | -47.0% | -40.7% | -39.9% | |
| P/B Ratio | 0.93 | 0.81 | 0.72 | 0.72 | 0.74 | 0.69 | 0.70 | 0.61 | 0.60 | 0.73 | 0.59 | 0.63 | 0.67 |
| — | +17.6% | +3.7% | +17.9% | +24.0% | -5.3% | +18.4% | -3.4% | -11.7% | -8.1% | -39.9% | -30.2% | -33.5% | |
| P/FCF | 6.44 | 1.99 | 4.76 | 23.48 | 125.12 | 2.46 | — | 41.38 | 10.74 | 3.21 | 19.70 | — | — |
| — | -19.4% | — | -43.3% | +1065.1% | -23.2% | — | — | — | +106.6% | — | — | — | |
| EV / EBITDA | 9.34 | 8.35 | 8.53 | 11.25 | 12.27 | 12.20 | 16.38 | 18.83 | 16.75 | 21.70 | 16.17 | 18.91 | 10.92 |
| — | -31.5% | -47.9% | -40.3% | -26.8% | -43.8% | +1.3% | -0.4% | +53.3% | +138.8% | +100.2% | +90.0% | +63.6% | |
| EV / EBIT | 12.72 | 8.75 | 12.31 | 17.68 | 18.89 | 19.53 | 27.81 | 38.32 | 32.66 | 45.10 | 26.17 | 35.00 | 15.86 |
| — | -55.2% | -55.7% | -53.9% | -42.1% | -56.7% | +6.3% | +9.5% | +105.9% | +242.7% | +118.2% | +92.6% | +48.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Eagle Bancorp Montana, Inc.'s operating margin was 18.8% in Q4 2025, up 3.4 pp QoQ and up 6.8 pp YoY. This marks the 3rd consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 15.0% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 10.0% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 70.9% | 74.8% | 71.4% | 68.2% | 69.0% | 68.0% | 64.2% | 64.3% | 66.3% | 67.9% | 69.3% | 73.8% | 81.7% |
| — | +10.0% | +11.2% | +6.1% | +4.0% | +0.0% | -7.4% | -13.0% | -18.8% | -21.8% | -24.8% | -19.6% | -13.0% | |
| Operating Margin | 15.0% | 18.8% | 15.4% | 12.6% | 13.0% | 12.0% | 10.3% | 7.4% | 8.0% | 6.2% | 10.7% | 8.4% | 17.2% |
| — | +57.1% | +49.2% | +71.6% | +63.6% | +94.3% | -3.2% | -12.7% | -53.7% | -67.7% | -35.1% | -16.6% | +17.1% | |
| Net Margin | 11.8% | 14.6% | 11.3% | 10.2% | 10.9% | 11.1% | 8.6% | 5.9% | 6.7% | 7.2% | 8.9% | 7.2% | 13.0% |
| — | +31.0% | +30.6% | +74.9% | +63.7% | +54.0% | -2.9% | -18.6% | -48.8% | -54.0% | -27.8% | -3.3% | +16.4% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.1% | 2.5% | 2.0% | 1.8% | 1.8% | 1.9% | 1.6% | 1.0% | 1.1% | 1.3% | 1.6% | 1.2% | 2.0% |
| — | +28.4% | +27.0% | +76.3% | +63.8% | +47.0% | -5.4% | -17.2% | -44.4% | -43.3% | -16.4% | +7.0% | +36.7% | |
| ROA | 0.7% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% |
| — | +38.5% | +33.5% | +83.9% | +69.1% | +54.5% | -1.0% | -17.2% | -44.6% | -44.1% | -20.2% | -3.6% | +8.9% | |
| ROIC | 4.4% | 1.5% | 1.1% | 0.8% | 0.8% | 0.7% | 0.6% | 0.4% | 0.4% | 0.3% | 0.6% | 0.5% | 1.0% |
| — | +129.1% | +97.0% | +105.3% | +82.9% | +97.6% | -3.5% | -13.5% | -57.7% | -73.8% | -58.2% | -44.5% | -8.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Eagle Bancorp Montana, Inc.'s Debt/EBITDA ratio is 12.9x, down from 19.4x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 626.6% YoY to 0.71x, strengthening the short-term liquidity position. Debt/Equity has declined for 6 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.43 | 0.43 | 0.74 | 0.99 | 1.04 | 1.14 | 1.57 | 1.49 | 1.28 | 1.39 | 1.65 | 1.54 | 1.11 |
| — | -62.4% | -52.6% | -33.8% | -19.1% | -17.4% | -4.8% | -2.9% | +15.2% | +71.3% | +233.4% | +294.0% | +170.8% | |
| Debt / EBITDA | 3.20 | 12.87 | 19.36 | 28.49 | 30.89 | 33.78 | 50.63 | 57.24 | 48.97 | 61.08 | 50.60 | 57.30 | 29.15 |
| — | -61.9% | -61.8% | -50.2% | -36.9% | -44.7% | +0.1% | -0.1% | +68.0% | +204.2% | +315.1% | +296.1% | +130.1% | |
| Current Ratio | 0.71 | 0.71 | 0.17 | 0.09 | 0.09 | 0.10 | 0.22 | 0.21 | 0.21 | 0.22 | 0.21 | 0.22 | 0.23 |
| — | +626.6% | -20.7% | -58.0% | -56.3% | -55.2% | +3.9% | -5.0% | -9.1% | -5.6% | -7.5% | -13.3% | -14.8% | |
| Quick Ratio | 0.71 | 0.71 | 0.17 | 0.09 | 0.09 | 0.10 | 0.22 | 0.21 | 0.21 | 0.22 | 0.21 | 0.22 | 0.23 |
| — | +626.6% | -20.7% | -58.0% | -56.3% | -55.2% | +3.9% | -5.0% | -9.1% | -5.6% | -7.5% | -13.3% | -14.8% | |
| Interest Coverage | 0.53 | 0.75 | 0.54 | 0.44 | 0.42 | 0.37 | 0.30 | 0.21 | 0.23 | 0.20 | 0.37 | 0.34 | 1.00 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying EBMT stock.
Eagle Bancorp Montana, Inc.'s current P/E is 12.1x. The average P/E over the last 4 quarters is 9.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Eagle Bancorp Montana, Inc.'s current operating margin is 15.0%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Eagle Bancorp Montana, Inc.'s business trajectory between earnings reports.