Eagle Bancorp Montana, Inc. EBMT R2K

Financial Services · Banks - Regional · United States

Eagle Bancorp Montana, Inc. operates as the bank holding company for Opportunity Bank of Montana that provides various 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. The company also provides 1-4 family residential mortgage loans, such as residential mortgages and residential property construction loans; 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 comprising 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 loans. The company operates full-service branches and automated teller machines. The company was founded in 1922 and is headquartered in Helena, Montana.

Market & Price

Market Cap

$176.75M

Current Price

$22.19

High / Low (52W)

$23.15 / $14.85

Beta

0.34

Valuation

Stock P/E

11.10

Industry PE

12.01

Forward P/E

10.34

PEG Ratio

1.06

Book Value

$24.65

Price to Book

0.90

P/S

1.90

EV/EBITDA

Dividend Yield

2.61%

Profitability & Returns

ROCE

ROE

8.41%

ROA

0.74%

Profit Margin

16.79%

Op Margin

24.03%

EPS (Latest Qtr)

$0.51

EPS (TTM)

$2.00

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$71.25M

Total Assets

$2.11B

Current Assets

Working Capital

Ownership

Promoter Holding

6.92%

Chg in Prom Hold

FII / Inst Holding

54.64%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$190.98M

Total Revenue (TTM)

$92.82M

EBITDA

Free Cash Flow

Operating Cash Flow

$26.52M

Shares Outstanding

7.97M

Gross Margin

0.00%

Payout Ratio

28.88%

Growth (CAGR)

Revenue 5Y

1.01%

Profit 5Y

11.50%

Revenue (YoY)

11.60%

Earnings (YoY)

24.30%

PROS

Profit CAGR of 11.5% over 5 years.
Attractive dividend yield of 2.61%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	EBMT Eagle Bancorp Montana, Inc. R2K	22.19	11.10	$176.75M	2.61%	-	8.41%	1.01%	11.50%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Dec 2014	Mar 2015	Jun 2015	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	20.55M	22.60M	23.02M	24.00M	23.22M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9.17M	9.01M	9.15M	8.20M	7.52M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3.87M	3.99M	4.96M	6.08M	5.09M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	631.00K	751.00K	1.33M	1.35M	1.11M
Net Income	924.00K	386.00K	792.00K	521.00K	881.00K	647.00K	1.26M	1.77M	1.45M	763.00K	1.07M	1.72M	553.00K	573.00K	1.33M	1.63M	1.44M	1.18M	3.25M	4.11M	3.93M	5.74M	6.38M	5.26M	2.68M	4.75M	2.22M	1.77M	3.09M	3.24M	2.02M	2.63M	1.90M	1.74M	2.71M	3.24M	3.24M	3.63M	4.73M	3.98M
Diluted EPS	0.24	0.10	0.21	0.14	0.22	0.17	0.32	0.46	0.37	0.20	0.27	0.45	0.11	0.11	0.24	0.30	0.26	0.18	0.51	0.63	0.57	0.84	0.94	0.78	0.39	0.73	0.34	0.24	0.40	0.42	0.26	0.34	0.24	0.22	0.34	0.41	0.41	0.46	0.60	0.51

Profit & Loss (Annual)

Figures in USD.

Metric	Jun 2011	Jun 2012	Jun 2013	Jun 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	87.50M	83.31M	79.65M	90.17M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	6.15M	29.14M	40.77M	35.51M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	13.85M	11.65M	11.39M	18.89M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	3.15M	1.60M	1.61M	4.06M
Net Income	2.41M	2.18M	1.97M	2.11M	2.58M	5.13M	4.10M	4.98M	10.87M	21.21M	-	10.70M	10.06M	9.78M	14.84M
Diluted EPS	0.62	0.56	0.50	0.53	0.67	1.32	0.99	0.91	1.69	3.11	-	1.45	1.29	1.24	1.90

Compounded Sales Growth

5 Years:	1.01%
1 Year:	11.60%

Compounded Profit Growth

5 Years:	11.50%
1 Year:	24.30%

Stock Price Performance

1 Year:	+34.80%
6 Months:	+34.21%
3 Months:	+2.93%
1 Month:	-1.86%

Balance Sheet (Annual)

Figures in USD.

Metric	Jun 2010	Jun 2011	Jun 2012	Jun 2013	Dec 2013	Jun 2014	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	331.09M	327.30M	510.53M	-	539.11M	560.21M	630.35M	673.92M	716.78M	853.90M	1.05B	1.26B	-	1.95B	2.08B	2.10B	2.11B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	3.51M	9.54M	19.81M	6.16M	7.05M	6.82M	12.50M	7.44M	7.32M	7.44M	11.20M	24.92M	69.80M	-	21.81M	24.55M	31.56M	62.96M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	11.28M	12.48M	12.89M	14.45M
Total Liabilities	-	278.61M	273.65M	461.30M	-	487.40M	505.71M	574.90M	614.47M	633.17M	759.10M	932.60M	1.10B	-	1.79B	1.91B	1.93B	1.91B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	14.97M	24.81M	24.88M	24.94M	29.79M	-	128.24M	234.74M	200.08M	82.37M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	128.24M	234.74M	200.08M	82.37M
Total Equity	52.43M	52.48M	53.65M	49.23M	-	51.70M	54.50M	55.45M	59.46M	83.62M	94.81M	121.66M	152.94M	-	158.42M	169.27M	174.76M	191.81M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	8.51M	8.51M	8.51M	8.51M

Cash Flows (Annual)

Figures in USD.

Metric	Jun 2011	Jun 2012	Jun 2013	Jun 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	11.50M	-1.55M	-	-	-	12.89M	20.05M	13.57M	366.00K	2.12M	-	41.91M	9.35M	28.54M	33.13M
Investing Cash Flow	-7.44M	20.74M	-	-	-	-51.13M	-56.79M	-50.92M	-59.70M	-22.04M	-	-235.04M	-108.20M	-27.80M	21.96M
Financing Cash Flow	1.98M	-8.92M	-	-	-	38.12M	36.86M	41.12M	73.05M	64.80M	-	153.51M	101.59M	6.27M	-23.69M
Capital Expenditure	-1.13M	-170.00K	-1.39M	-2.32M	-630.00K	-2.25M	-3.54M	-7.06M	-10.54M	-20.64M	-	-16.76M	-14.19M	-14.08M	-4.78M
Free Cash Flow	10.37M	-1.72M	-	-	-	10.65M	16.52M	6.51M	-10.18M	-18.52M	-	25.15M	-4.84M	14.46M	28.34M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-39.62M	2.73M	7.01M	31.40M
Share Buybacks	1.80M	414.00K	-	-	1.32M	-	-	-	1.21M	987.00K	6.28M	4.43M	231.00K	419.00K	1.57M
Dividends Paid	1.14M	1.11M	1.11M	1.14M	1.16M	1.19M	1.40M	2.00M	2.41M	2.62M	3.02M	4.06M	4.44M	4.54M	4.58M

Ratios (Annual)

Figures in %.

Metric	Jun 2011	Jun 2012	Jun 2013	Jun 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	12.2%	12.1%	12.3%	16.5%
ROE %	4.6%	4.1%	4.0%	4.1%	4.7%	8.6%	4.9%	5.3%	8.9%	13.9%	-	6.8%	5.9%	5.6%	7.7%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

6.92%

Institutions

54.64%

Public Float

58.70%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Fourthstone LLC	6.93%	551.95K	$12.25M
2	Blackrock Inc.	6.25%	497.61K	$11.04M
3	Manufacturers Life Insurance Co.	5.00%	398.36K	$8.84M
4	Vanguard Capital Management LLC	4.39%	349.71K	$7.76M
5	Dimensional Fund Advisors LP	2.79%	222.30K	$4.93M
6	Geode Capital Management, LLC	2.17%	172.48K	$3.83M
7	O'Shaughnessy Asset Management LLC	1.27%	101.02K	$2.24M
8	State Street Corporation	1.15%	91.55K	$2.03M
9	Goldman Sachs Group Inc	1.13%	89.85K	$1.99M
10	American Century Companies Inc	1.06%	84.72K	$1.88M

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