Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.48 | 13.86 | 12.73 | 10.09 | 8.29 | 9.39 | 10.16 | 10.22 | 8.71 | 11.61 | 15.08 | 13.38 | 14.10 | 8.75 | 12.72 | 8.40 | 8.60 | 11.88 | 20.74 | 17.45 | 22.10 |
| — | +47.6% | +25.2% | -1.3% | -4.8% | -19.2% | -32.6% | -23.6% | -38.2% | +32.7% | +18.5% | +59.2% | +64.0% | -26.3% | -38.7% | -51.9% | -61.1% | +55.8% | +40.7% | +123.8% | +216.6% | |
| P/S Ratio | 2.37 | 1.65 | — | 1.71 | 1.60 | 1.47 | 1.44 | 1.60 | 1.44 | 1.52 | 1.34 | 1.34 | 1.50 | 1.10 | 1.23 | 1.33 | 1.54 | 1.57 | 1.63 | 1.92 | 1.79 |
| — | +12.7% | — | +7.3% | +11.5% | -3.5% | +8.0% | +19.1% | -3.9% | +38.5% | +8.8% | +0.7% | -3.1% | -30.0% | -24.5% | -30.9% | -13.8% | +6.6% | -8.9% | +11.0% | +13.4% | |
| P/B Ratio | 0.84 | 0.86 | 0.95 | 0.84 | 0.81 | 0.72 | 0.72 | 0.74 | 0.69 | 0.70 | 0.61 | 0.60 | 0.73 | 0.59 | 0.63 | 0.67 | 0.79 | 0.98 | 0.91 | 1.01 | 0.96 |
| — | +19.1% | +32.0% | +13.3% | +17.6% | +3.7% | +17.9% | +24.0% | -5.3% | +18.4% | -3.4% | -11.7% | -8.1% | -39.9% | -30.2% | -33.5% | -17.6% | +5.4% | -11.3% | -4.3% | +1.8% | |
| P/FCF | 7.06 | 3.58 | — | — | 1.99 | 4.76 | 23.48 | 125.12 | 2.46 | — | 41.38 | 10.74 | 3.21 | 19.70 | — | — | 1.55 | — | 5.18 | 13.94 | 1.72 |
| — | -24.7% | — | — | -19.4% | — | -43.3% | +1065.1% | -23.2% | — | — | — | +106.6% | — | — | — | -9.5% | — | -67.9% | — | — | |
| EV / EBITDA | 13.59 | 25.04 | — | 7.26 | 6.31 | 8.53 | 11.25 | 12.27 | 12.20 | 16.38 | 18.83 | 16.75 | 21.70 | 16.17 | 18.91 | 10.92 | 9.09 | 8.07 | 9.96 | 6.68 | 7.66 |
| — | +193.6% | — | -40.8% | -48.3% | -47.9% | -40.3% | -26.8% | -43.8% | +1.3% | -0.4% | +53.3% | +138.8% | +100.2% | +90.0% | +63.6% | +18.7% | +189.2% | +60.1% | +133.0% | +109.2% | |
| EV / EBIT | 11.73 | 25.04 | — | 10.46 | 8.75 | 12.31 | 17.68 | 18.89 | 19.53 | 27.81 | 38.32 | 32.66 | 45.10 | 26.17 | 35.00 | 15.86 | 13.16 | 11.99 | 18.18 | 10.68 | 13.89 |
| — | +103.5% | — | -44.6% | -55.2% | -55.7% | -53.9% | -42.1% | -56.7% | +6.3% | +9.5% | +105.9% | +242.7% | +118.2% | +92.6% | +48.5% | -5.3% | +228.2% | +86.2% | +192.8% | +195.1% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 98.7% | 92.6% | 108.1% | 98.8% | 100.0% | 99.7% | 95.4% | 99.8% | 100.0% | 98.6% | 97.9% | 100.7% | 98.7% | 97.2% | 98.5% | 98.6% | 98.3% | 97.8% | 96.2% | 98.5% | 98.6% |
| — | -7.2% | +13.3% | -1.0% | 0.0% | +1.1% | -2.5% | -0.9% | +1.3% | +1.5% | -0.6% | +2.1% | +0.4% | -0.6% | +2.3% | +0.1% | -0.4% | -1.2% | -3.7% | -0.2% | +0.3% | |
| Operating Margin | 20.9% | 15.3% | 126.7% | 21.6% | 25.2% | 21.5% | 17.6% | 18.8% | 17.6% | 15.9% | 11.2% | 12.1% | 9.0% | 15.0% | 11.2% | 20.8% | 21.6% | 17.4% | 10.6% | 15.4% | 11.2% |
| — | -28.8% | +617.9% | +14.7% | +42.8% | +35.6% | +57.6% | +55.9% | +96.8% | +6.0% | -0.3% | -41.8% | -58.6% | -14.2% | +6.1% | +34.8% | +93.4% | -31.9% | -35.2% | -47.8% | -62.6% | |
| Net Margin | 16.4% | 12.0% | -92.4% | 16.9% | 19.5% | 15.8% | 14.3% | 15.8% | 16.4% | 13.3% | 8.9% | 10.1% | 10.5% | 12.5% | 9.6% | 15.7% | 17.8% | 13.1% | 7.8% | 11.7% | 8.2% |
| — | -23.8% | -745.0% | +7.2% | +19.0% | +18.7% | +60.6% | +55.9% | +55.9% | +6.4% | -7.0% | -35.6% | -41.0% | -4.5% | +23.1% | +33.9% | +117.0% | -31.9% | -36.4% | -47.0% | -63.6% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.1% | 1.5% | 1.9% | 2.1% | 2.5% | 2.0% | 1.8% | 1.8% | 1.9% | 1.6% | 1.0% | 1.1% | 1.3% | 1.6% | 1.2% | 2.0% | 2.3% | 2.0% | 1.2% | 1.5% | 1.1% |
| — | -21.7% | +5.3% | +12.6% | +28.4% | +27.0% | +76.3% | +63.8% | +47.0% | -5.4% | -17.2% | -44.4% | -43.3% | -16.4% | +7.0% | +36.7% | +112.1% | -35.8% | -33.5% | -56.7% | -67.9% | |
| ROA | 0.7% | 0.1% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% | 0.2% | 0.1% | 0.2% | 0.1% |
| — | -19.8% | +15.0% | +22.8% | +38.5% | +33.5% | +83.9% | +69.1% | +54.5% | -1.0% | -17.2% | -44.6% | -44.1% | -20.2% | -3.6% | +8.9% | +54.0% | -52.9% | -48.0% | -63.1% | -70.4% | |
| ROIC | 4.4% | 0.8% | -1.4% | 1.4% | 1.5% | 1.1% | 0.8% | 0.8% | 0.7% | 0.6% | 0.4% | 0.4% | 0.3% | 0.6% | 0.5% | 1.0% | 1.3% | 1.4% | 0.8% | 1.1% | 0.9% |
| — | -27.0% | -265.0% | +80.1% | +129.1% | +97.0% | +105.3% | +82.9% | +97.6% | -3.5% | -13.5% | -57.7% | -73.8% | -58.2% | -44.5% | -8.0% | +39.6% | -44.8% | -38.9% | -58.2% | -60.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.43 | 1.26 | 0.49 | 0.37 | 0.43 | 0.74 | 0.99 | 1.04 | 1.14 | 1.57 | 1.49 | 1.28 | 1.39 | 1.65 | 1.54 | 1.11 | 0.81 | 0.49 | 0.39 | 0.41 | 0.22 |
| — | +69.2% | -50.5% | -64.4% | -62.4% | -52.6% | -33.8% | -19.1% | -17.4% | -4.8% | -2.9% | +15.2% | +71.3% | +233.4% | +294.0% | +170.8% | +263.9% | +121.6% | +52.3% | +53.7% | -27.4% | |
| Debt / EBITDA | 2.96 | 62.76 | — | 9.69 | 9.72 | 19.36 | 28.49 | 30.89 | 33.78 | 50.63 | 57.24 | 48.97 | 61.08 | 50.60 | 57.30 | 29.15 | 20.08 | 12.19 | 14.47 | 12.67 | 8.15 |
| — | +224.2% | — | -68.6% | -71.2% | -61.8% | -50.2% | -36.9% | -44.7% | +0.1% | -0.1% | +68.0% | +204.2% | +315.1% | +296.1% | +130.1% | +146.5% | +189.7% | +107.4% | +171.6% | +53.5% | |
| 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 | 0.23 | 0.23 | 0.26 | 0.27 | 0.27 |
| — | — | — | — | +626.6% | -20.7% | -58.0% | -56.3% | -55.2% | +3.9% | -5.0% | -9.1% | -5.6% | -7.5% | -13.3% | -14.8% | -13.7% | -16.5% | +1.9% | +4.4% | +22.1% | |
| 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 | 0.23 | 0.23 | 0.26 | 0.27 | 0.27 |
| — | — | — | — | +626.6% | -20.7% | -58.0% | -56.3% | -55.2% | +3.9% | -5.0% | -9.1% | -5.6% | -7.5% | -13.3% | -14.8% | -13.7% | -16.5% | +1.9% | +4.4% | +22.1% | |
| Interest Coverage | 0.53 | 0.48 | -0.68 | 0.68 | 0.75 | 0.54 | 0.44 | 0.42 | 0.37 | 0.30 | 0.21 | 0.23 | 0.20 | 0.37 | 0.34 | 1.00 | 1.64 | 2.83 | 2.22 | 3.15 | 3.07 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 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 10.5x. The average P/E over the last 4 quarters is 11.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Eagle Bancorp Montana, Inc.'s current operating margin is 20.9%. Margins have been compressing 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.