EBMT

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Eagle Bancorp Montana, Inc.

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Key Metrics

Previous Close: $22.82
52-Week Range: $15.80 – $24.66
Market Cap: $182.09M
P/E (TTM): 11.15
EPS (TTM): 2.05
Dividend Yield: 2.59%

Advanced Metrics

Price/Book: 0.91
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: $246.36M

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	—
Selling, General & Admin	$11.18M	$11.73M	$11.59M	$11.35M	—
Pretax Income	$3.99M	$4.96M	$6.08M	$5.09M	—
Income Tax	$751.00K	$1.33M	$1.35M	$1.11M	—
Net Income	$3.24M	$3.63M	$4.73M	$3.98M	—
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	$22.80M	$26.88M	$29.52M	$62.96M	$53.64M
Receivables	$13.27M	$14.67M	$16.90M	$14.45M	$13.61M
Total Assets	$2.09B	$2.14B	$2.12B	$2.11B	$2.09B
Long-Term Debt	$184.14M	$178.63M	$138.43M	$82.37M	$56.15M
Total Debt	$184.14M	$178.63M	$138.43M	$82.37M	$71.15M
Total Liabilities	$1.91B	$1.96B	$1.93B	$1.91B	$1.90B
Retained Earnings	$103.37M	$105.47M	$107.95M	$111.52M	$114.35M
Shareholders' Equity	$177.57M	$180.64M	$186.49M	$191.81M	$192.96M
Net Debt	$161.33M	$151.75M	$108.91M	$19.41M	$17.51M

EBMT Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$1.88M	$1.75M	$8.96M	$20.54M	-$4.72M
Capital Expenditure	-$1.62M	-$359.00K	-$1.87M	-$934.00K	-$461.00K
Free Cash Flow	$262.00K	$1.39M	$7.09M	$19.61M	-$5.18M
Depreciation & Amortisation	$2.09M	$2.28M	$2.19M	$2.36M	$2.25M
Stock-Based Compensation	$260.00K	$282.00K	$283.00K	$268.00K	$322.00K
Investing Cash Flow	-$1.51M	-$38.50M	$20.77M	$41.20M	$3.53M
Financing Cash Flow	-$9.13M	$40.87M	-$27.14M	-$28.29M	-$8.03M
Dividends Paid	-$1.14M	-$1.13M	-$1.15M	-$1.16M	-$1.16M
Share Repurchases	-$755.00K	-$408.00K	$0.00	-$410.00K	$0.00
Net Change in Cash	-$8.75M	$4.12M	$2.59M	$33.45M	-$9.23M

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.