EBMT

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Eagle Bancorp Montana, Inc.

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Key Metrics

Previous Close: $21.28
52-Week Range: $15.80 – $24.66
Market Cap: $169.27M
P/E (TTM): 10.37
EPS (TTM): 2.05
Dividend Yield: 2.78%

Advanced Metrics

Price/Book: 0.84
PEG Ratio: 1.06
Return on Equity: 8.49%
Return on Assets: 0.75%
Gross Margin: 0.00%
Operating Margin: 22.28%
Profit Margin: 16.95%
Current Ratio: —
Debt/Equity: —
Total Debt: $96.70M
Free Cash Flow: —
Revenue Growth: 8.70%
Earnings Growth: 14.60%
Enterprise Value: $234.08M

EBMT Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$87.50M	$83.31M	$79.65M	$90.17M
Selling, General & Admin	$46.50M	$45.50M	$42.19M	$44.63M
Pretax Income	$13.85M	$11.65M	$11.39M	$18.89M
Income Tax	$3.15M	$1.60M	$1.61M	$4.06M
Net Income	$10.70M	$10.06M	$9.78M	$14.84M
Diluted EPS	1.45	1.29	1.24	1.90
Diluted Shares	7.39M	7.80M	7.85M	7.82M

EBMT Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$21.81M	$24.55M	$31.56M	$62.96M
Receivables	$11.28M	$12.48M	$12.89M	$14.45M
Total Assets	$1.95B	$2.08B	$2.10B	$2.11B
Long-Term Debt	$128.24M	$234.74M	$200.08M	$82.37M
Total Debt	$128.24M	$234.74M	$200.08M	$82.37M
Total Liabilities	$1.79B	$1.91B	$1.93B	$1.91B
Retained Earnings	$92.02M	$96.02M	$101.26M	$111.52M
Shareholders' Equity	$158.42M	$169.27M	$174.76M	$191.81M
Net Debt	$106.43M	$210.19M	$168.52M	$19.41M

EBMT Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$41.91M	$9.35M	$28.54M	$33.13M
Capital Expenditure	-$16.76M	-$14.19M	-$14.08M	-$4.78M
Free Cash Flow	$25.15M	-$4.84M	$14.46M	$28.34M
Depreciation & Amortisation	$7.71M	$7.89M	$8.89M	$8.93M
Stock-Based Compensation	$976.00K	$678.00K	$869.00K	$1.09M
Investing Cash Flow	-$235.04M	-$108.20M	-$27.80M	$21.96M
Financing Cash Flow	$153.51M	$101.59M	$6.27M	-$23.69M
Dividends Paid	-$4.06M	-$4.44M	-$4.54M	-$4.58M
Share Repurchases	-$4.43M	-$231.00K	-$419.00K	-$1.57M
Net Change in Cash	-$39.62M	$2.73M	$7.01M	$31.40M

EBMT Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$22.60M	$23.02M	$24.00M	$23.22M	$23.77M
Selling, General & Admin	$11.18M	$11.73M	$11.59M	$11.35M	$12.28M
Pretax Income	$3.99M	$4.96M	$6.08M	$5.09M	$4.82M
Income Tax	$751.00K	$1.33M	$1.35M	$1.11M	$1.10M
Net Income	$3.24M	$3.63M	$4.73M	$3.98M	$3.71M
Diluted EPS	0.41	0.46	0.60	0.51	0.47
Diluted Shares	7.81M	7.83M	7.82M	7.84M	7.86M

EBMT Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$26.88M	$29.52M	$62.96M	$53.64M	$28.96M
Receivables	$14.67M	$16.90M	$14.45M	$13.61M	$14.24M
Total Assets	$2.14B	$2.12B	$2.11B	$2.09B	$2.13B
Long-Term Debt	$178.63M	$138.43M	$82.37M	$56.15M	$83.61M
Total Debt	$178.63M	$138.43M	$82.37M	$71.15M	$96.61M
Total Liabilities	$1.96B	$1.93B	$1.91B	$1.90B	$1.93B
Retained Earnings	$105.47M	$107.95M	$111.52M	$114.35M	$116.91M
Shareholders' Equity	$180.64M	$186.49M	$191.81M	$192.96M	$197.41M
Net Debt	$151.75M	$108.91M	$19.41M	$17.51M	$67.65M

EBMT Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$1.75M	$8.96M	$20.54M	-$4.72M	-$2.07M
Capital Expenditure	-$359.00K	-$1.87M	-$934.00K	-$461.00K	-$718.00K
Free Cash Flow	$1.39M	$7.09M	$19.61M	-$5.18M	-$2.79M
Depreciation & Amortisation	$2.28M	$2.19M	$2.36M	$2.25M	$2.12M
Stock-Based Compensation	$282.00K	$283.00K	$268.00K	$322.00K	$342.00K
Investing Cash Flow	-$38.50M	$20.77M	$41.20M	$3.53M	-$51.11M
Financing Cash Flow	$40.87M	-$27.14M	-$28.29M	-$8.03M	$28.41M
Dividends Paid	-$1.13M	-$1.15M	-$1.16M	-$1.16M	-$1.16M
Share Repurchases	-$408.00K	$0.00	-$410.00K	$0.00	$0.00
Net Change in Cash	$4.12M	$2.59M	$33.45M	-$9.23M	-$24.77M

Market Snapshot

About

Eagle Bancorp Montana, Inc. is the holding company for Opportunity Bank of Montana, a community bank serving Montana, North Dakota, and South Dakota. The bank provides traditional banking services including commercial and retail lending, deposit products, and treasury management services. Eagle Bancorp focuses on relationship banking with emphasis on agricultural lending, commercial real estate, and small business financing. The company has grown through strategic acquisitions while maintaining its community banking philosophy.