Eagle Bancorp Montana (EBMT) Stock Price, News & Analysis

Company Overview

Eagle Bancorp Montana, Inc. is a bank holding company headquartered in Billings, Montana, with its primary subsidiary, Eagle Bank & Trust Company, serving communities throughout the state. The company offers a full suite of commercial banking products and services tailored to small and mid-sized businesses, individuals and agricultural operations. Its core business activities include deposit services, commercial and agricultural lending, residential mortgages, and treasury management solutions.

On the deposit side, Eagle Bancorp Montana provides a range of account options such as checking, savings and money market accounts, along with certificates of deposit and online banking capabilities. The lending portfolio emphasizes commercial real estate and construction financing, working capital lines of credit, agricultural loans and equipment financing. In addition, the company originates and services residential mortgages, offering fixed- and adjustable-rate products to local homebuyers.

Founded in the early 2000s, Eagle Bancorp Montana has grown steadily through organic expansion and community outreach. Its branch network spans key markets in Montana, including Billings, Bozeman, Helena and Great Falls, and is supported by digital banking platforms designed to meet the needs of customers across the state’s rural and urban regions. The company’s history is marked by a commitment to local decision-making, with loan approval and customer service handled by regionally based teams.

Leadership at Eagle Bancorp Montana emphasizes community banking expertise and continuity. Michael J. Ruff serves as President and Chief Executive Officer, drawing on decades of experience in Montana’s financial services industry. The board of directors comprises local business and civic leaders who guide the company’s strategic direction and uphold its mission to support economic growth within Montana communities.

Key Stats

• Today's Range: $17.07 to $17.30
• 50-Day Range: $15.31 to $17.86
• 52-Week Range: $12.61 to $18.49
• Volume: 63,033 shs
• Average Volume: 32,255 shs
• Market Capitalization: $136.94 million
• P/E Ratio: 12.17
• Dividend Yield: 3.32%
• Price Target: N/A
• Consensus Rating: N/A

Eagle Bancorp Montana Stock Analysis - MarketRank™

Eagle Bancorp Montana scored higher than 72% of companies evaluated by MarketBeat, and ranked 272nd out of 913 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Eagle Bancorp Montana.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 7.45%

Earnings Growth

Earnings for Eagle Bancorp Montana are expected to grow by 7.45% in the coming year, from $1.61 to $1.73 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Eagle Bancorp Montana is 12.17, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.45.

Price to Earnings Ratio vs. Sector

The P/E ratio of Eagle Bancorp Montana is 12.17, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.18.

Price to Book Value per Share Ratio

Eagle Bancorp Montana has a P/B Ratio of 0.79. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

3.05% of the float of Eagle Bancorp Montana has been sold short.

Short Interest Ratio / Days to Cover

Eagle Bancorp Montana has a short interest ratio ("days to cover") of 3.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Eagle Bancorp Montana has recently increased by 247.72%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Eagle Bancorp Montana pays a meaningful dividend of 3.34%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Eagle Bancorp Montana has been increasing its dividend for 14 years.

Dividend Coverage

The dividend payout ratio of Eagle Bancorp Montana is 40.43%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Eagle Bancorp Montana will have a dividend payout ratio of 32.95% next year. This indicates that Eagle Bancorp Montana will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 2.8 / 5
• Environmental Score: -0.76

Percentage of Shares Shorted

3.05% of the float of Eagle Bancorp Montana has been sold short.

Short Interest Ratio / Days to Cover

Eagle Bancorp Montana has a short interest ratio ("days to cover") of 3.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Eagle Bancorp Montana has recently increased by 247.72%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 0.6 / 5
• News Sentiment: N/A

Search Interest

1 people have searched for EBMT on MarketBeat in the last 30 days.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Eagle Bancorp Montana insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $177,500.00 in company stock.

Percentage Held by Insiders

Only 6.10% of the stock of Eagle Bancorp Montana is held by insiders.

Percentage Held by Institutions

Only 35.66% of the stock of Eagle Bancorp Montana is held by institutions.

EBMT Stock Analysis - Frequently Asked Questions

How have EBMT shares performed this year?

Eagle Bancorp Montana's stock was trading at $15.33 on January 1st, 2025. Since then, EBMT shares have increased by 11.9% and is now trading at $17.16.

How were Eagle Bancorp Montana's earnings last quarter?

Eagle Bancorp Montana, Inc. (NASDAQ:EBMT) released its quarterly earnings results on Tuesday, April, 29th. The bank reported $0.41 earnings per share for the quarter, topping the consensus estimate of $0.33 by $0.08. The bank earned $20.90 million during the quarter, compared to analysts' expectations of $16.69 million. Eagle Bancorp Montana had a trailing twelve-month return on equity of 6.35% and a net margin of 9.03%.

Who are Eagle Bancorp Montana's major shareholders?

Top institutional shareholders of Eagle Bancorp Montana include Farther Finance Advisors LLC (0.08%). Insiders that own company stock include Kenneth M Walsh, Peter Joseph Johnson, Thomas J Mccarvel, Rick Hays, Laura Clark, Chantelle Nash, Mark A O'neill, Patrick D Rensmon and Cynthia A Utterback.
View institutional ownership trends.

How do I buy shares of Eagle Bancorp Montana?

Shares of EBMT stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Eagle Bancorp Montana own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Eagle Bancorp Montana investors own include Chipotle Mexican Grill (CMG), Broadcom (AVGO), NVIDIA (NVDA), EMCOR Group (EME), Arista Networks (ANET), Jabil (JBL) and Adobe (ADBE).

Company Calendar

• Last Earnings: 4/29/2025
• Record date for 6/6 Dividend: 5/16/2025
• Ex-Dividend for 6/6 Dividend: 5/16/2025
• Dividend Payable: 6/06/2025
• Today: 7/22/2025
• Next Earnings (Estimated): 7/22/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - MIDWEST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:EBMT
• CIK: 1478454
• Web: www.opportunitybank.com
• Phone: (406) 442-3080
• Fax: 406-457-4035
• Employees: 350
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $1.41
• Trailing P/E Ratio: 12.17
• Forward P/E Ratio: 10.66
• P/E Growth: N/A
• Net Income: $9.78 million
• Net Margins: 9.03%
• Pretax Margin: 10.55%
• Return on Equity: 6.35%
• Return on Assets: 0.53%

Debt

• Debt-to-Equity Ratio: 1.04
• Current Ratio: 0.90
• Quick Ratio: 0.89

Sales & Book Value

• Annual Sales: $121.99 million
• Price / Sales: 1.12
• Cash Flow: $2.48 per share
• Price / Cash Flow: 6.91
• Book Value: $21.80 per share
• Price / Book: 0.79

Miscellaneous

• Outstanding Shares: 7,980,000
• Free Float: 7,490,000
• Market Cap: $136.94 million
• Optionable: Not Optionable
• Beta: 0.35