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Eagle Bancorp Montana (EBMT) Financials

Eagle Bancorp Montana logo
$23.64 -0.41 (-1.70%)
Closing price 07/30/2026 04:00 PM Eastern
Extended Trading
$23.64 +0.00 (+0.00%)
As of 04:11 AM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Eagle Bancorp Montana

Annual Income Statements for Eagle Bancorp Montana

This table shows Eagle Bancorp Montana's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 2.58 5.13 4.10 4.98 11 21 14 11 10 9.78 15
Consolidated Net Income / (Loss)		 2.58 5.13 4.10 4.98 11 21 14 11 10 9.78 15
Net Income / (Loss) Continuing Operations		 2.58 5.13 4.10 4.98 11 21 14 11 10 9.78 15
Total Pre-Tax Income 		2.74 6.93 6.23 5.90 14 28 19 14 12 11 19
Total Revenue		 30 37 38 42 63 92 93 90 85 81 92
Net Interest Income / (Expense)		 18 21 24 30 39 43 47 63 62 63 73
Total Interest Income		 20 24 28 35 47 50 50 69 92 104 108
Loans and Leases Interest Income		 17 21 25 30 42 45 45 60 79 92 98
Investment Securities Interest Income		 3.13 3.06 3.07 4.39 4.08 4.11 4.49 8.88 12 12 10
Other Interest Income		 0.01 0.01 0.01 0.05 0.09 0.16 0.12 0.23 0.09 0.42 0.43
Total Interest Expense		 2.46 3.12 4.09 5.10 7.73 6.48 3.21 6.15 29 41 36
Deposits Interest Expense		 1.46 1.52 1.55 2.06 3.89 3.61 1.47 3.12 18 28 28
Long-Term Debt Interest Expense		 1.00 1.60 2.54 3.05 3.83 2.87 1.73 3.03 11 13 7.74
Total Non-Interest Income		 12 16 14 12 24 49 46 26 23 18 19
Other Service Charges		 3.91 4.30 0.46 0.34 1.02 3.00 45 25 2.23 16 17
Net Realized & Unrealized Capital Gains on Investments		 6.80 11 8.81 7.57 17 0.74 - -0.01 -0.22 -0.14 0.00
Other Non-Interest Income		 0.43 0.48 5.06 4.22 5.59 45 0.72 1.04 21 2.05 1.51
Provision for Credit Losses		 1.30 1.83 1.23 0.98 2.63 3.13 0.86 2.00 1.46 0.52 1.18
Total Non-Interest Expense		 26 28 31 35 46 61 73 74 72 69 71
Salaries and Employee Benefits		 14 16 18 21 28 39 49 45 43 40 42
Net Occupancy & Equipment Expense		 5.25 4.80 5.00 6.20 8.14 9.74 11 14 14 15 14
Marketing Expense		 0.80 0.70 0.97 1.16 1.03 0.91 1.28 1.42 1.38 1.31 1.29
Property & Liability Insurance Claims		 0.33 0.40 0.33 0.25 0.08 0.22 0.33 0.56 1.15 1.17 0.96
Other Operating Expenses		 3.77 4.14 4.28 4.62 6.14 10 9.39 9.96 11 11 11
Amortization Expense		 1.23 1.69 1.51 0.70 0.81 0.66 0.57 1.33 1.59 1.39 1.19
Income Tax Expense		 0.16 1.80 2.13 0.91 3.10 7.23 4.86 3.15 1.60 1.61 4.06
Basic Earnings per Share		 $0.68 $1.36 $1.01 $0.92 $1.69 $3.12 $2.17 $1.45 $1.29 $1.25 $1.90
Weighted Average Basic Shares Outstanding		 3.78M 3.81M 5.46M 6.46M 6.82M 6.78M 6.69M 8.01M 8.02M 7.98M 7.97M
Diluted Earnings per Share		 $0.67 $1.32 $0.99 $0.91 $1.69 $3.11 $2.17 $1.45 $1.29 $1.24 $1.90
Weighted Average Diluted Shares Outstanding		 3.78M 3.81M 5.46M 6.46M 6.82M 6.78M 6.69M 8.01M 8.02M 7.98M 7.97M
Weighted Average Basic & Diluted Shares Outstanding		 3.78M 3.81M 5.46M 6.46M 6.82M 6.78M 6.69M 8.01M 8.02M 7.98M 7.97M
Cash Dividends to Common per Share		 $0.31 $0.32 $0.34 $0.18 $0.38 $0.19 $0.45 $0.53 $0.56 $0.57 $0.58

Quarterly Income Statements for Eagle Bancorp Montana

This table shows Eagle Bancorp Montana's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 2.64 2.16 1.90 1.74 2.71 3.43 3.24 3.24 3.63 4.73 3.98
Consolidated Net Income / (Loss)		 2.64 2.16 1.90 1.74 2.71 3.43 3.24 3.24 3.63 4.73 3.98
Net Income / (Loss) Continuing Operations		 2.64 2.16 1.90 1.74 2.71 3.43 3.24 3.24 3.63 4.73 3.98
Total Pre-Tax Income 		3.16 1.85 2.27 2.18 3.24 3.70 3.87 3.99 4.96 6.08 5.09
Total Revenue		 22 21 19 20 21 21 21 23 23 24 24
Net Interest Income / (Expense)		 16 15 15 16 16 17 17 18 19 19 19
Total Interest Income		 24 25 25 26 27 27 26 27 28 27 26
Loans and Leases Interest Income		 21 21 22 23 24 24 23 24 25 25 24
Investment Securities Interest Income		 3.01 3.04 2.97 2.90 2.86 2.78 2.71 2.63 2.55 2.50 2.35
Other Interest Income		 0.02 0.02 0.03 0.15 0.09 0.15 0.04 0.08 0.07 0.24 0.30
Total Interest Expense		 8.51 9.34 9.73 10 11 9.90 9.17 9.01 9.15 8.20 7.52
Deposits Interest Expense		 5.15 6.09 6.55 6.88 7.19 7.22 6.87 6.88 7.18 6.85 6.66
Long-Term Debt Interest Expense		 3.36 3.25 3.18 3.31 3.77 2.68 2.30 2.13 1.97 1.35 0.86
Total Non-Interest Income		 6.04 5.81 3.95 4.27 4.98 4.57 4.02 4.81 4.72 5.13 4.88
Other Service Charges		 5.65 -9.77 3.66 0.46 3.95 8.00 3.67 4.41 4.33 4.75 1.05
Other Non-Interest Income		 0.38 16 0.29 3.81 1.04 -3.29 0.35 0.39 0.38 0.38 3.83
Provision for Credit Losses		 0.59 0.27 -0.14 0.41 0.28 -0.04 0.04 1.04 0.06 0.04 0.28
Total Non-Interest Expense		 18 19 17 17 17 18 17 18 18 18 18
Salaries and Employee Benefits		 11 11 9.72 10 9.89 9.83 9.66 11 11 11 11
Net Occupancy & Equipment Expense		 3.44 3.65 3.62 3.49 3.72 3.91 3.63 3.54 3.60 3.52 3.82
Marketing Expense		 0.34 0.45 0.25 0.32 0.28 0.47 0.23 0.28 0.31 0.47 0.30
Property & Liability Insurance Claims		 0.30 0.29 0.30 0.28 0.30 0.29 0.23 0.26 0.23 0.24 0.24
Other Operating Expenses		 2.57 2.77 2.77 2.60 2.75 2.87 2.93 2.91 2.77 2.78 2.78
Amortization Expense		 0.39 0.39 0.37 0.35 0.34 0.34 0.32 0.30 0.29 0.29 0.27
Income Tax Expense		 0.52 -0.32 0.37 0.44 0.53 0.27 0.63 0.75 1.33 1.35 1.11
Basic Earnings per Share		 $0.34 $0.27 $0.24 $0.22 $0.35 $0.44 $0.41 $0.42 $0.47 $0.60 $0.51
Weighted Average Basic Shares Outstanding		 7.99M 8.02M 8.02M 8.02M 8.02M 7.98M 7.95M 7.95M 7.95M 7.97M 7.97M
Diluted Earnings per Share		 $0.34 $0.27 $0.24 $0.22 $0.34 $0.44 $0.41 $0.41 $0.46 $0.62 $0.51
Weighted Average Diluted Shares Outstanding		 7.99M 8.02M 8.02M 8.02M 8.02M 7.98M 7.95M 7.95M 7.95M 7.97M 7.97M
Weighted Average Basic & Diluted Shares Outstanding		 7.99M 8.02M 8.02M 8.02M 8.02M 7.98M 7.95M 7.95M 7.95M 7.97M 7.97M
Cash Dividends to Common per Share		 $0.14 - $0.14 $0.14 $0.14 - $0.14 $0.14 $0.15 - $0.15

Annual Cash Flow Statements for Eagle Bancorp Montana

This table details how cash moves in and out of Eagle Bancorp Montana's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -5.06 -0.12 0.12 3.76 14 45 -8.37 -40 2.73 7.01 31
Net Cash From Operating Activities		 4.88 13 20 14 0.37 2.12 56 42 9.35 29 33
Net Cash From Continuing Operating Activities		 4.88 13 20 14 0.37 2.12 56 42 9.35 29 33
Net Income / (Loss) Continuing Operations		 2.58 5.13 4.10 4.98 11 21 14 11 10 9.78 15
Consolidated Net Income / (Loss)		 2.58 5.13 4.10 4.98 11 21 14 11 10 9.78 15
Provision For Loan Losses		 1.30 1.83 1.23 0.98 2.63 3.13 0.86 2.00 1.46 0.52 1.18
Depreciation Expense		 1.23 1.06 0.97 1.28 1.79 2.44 2.92 3.58 3.93 5.17 5.32
Amortization Expense		 3.22 3.53 3.07 3.14 3.79 5.62 6.17 5.62 5.01 4.75 4.32
Non-Cash Adjustments to Reconcile Net Income		 -7.78 -11 -8.95 2.87 -18 -30 29 19 -6.57 -5.86 3.18
Changes in Operating Assets and Liabilities, net		 4.33 12 20 0.32 -0.38 -0.20 2.78 0.80 -4.54 14 4.30
Net Cash From Investing Activities		 -77 -51 -57 -51 -60 -22 -233 -235 -108 -28 22
Net Cash From Continuing Investing Activities		 -77 -51 -57 -51 -60 -22 -233 -235 -108 -28 22
Purchase of Property, Leasehold Improvements and Equipment		 -0.63 -2.25 -3.54 -7.06 -11 -21 -12 -17 -14 -14 -4.78
Purchase of Investment Securities		 -121 -84 -74 -108 -132 -71 -238 -82 -162 -50 -5.74
Sale of Property, Leasehold Improvements and Equipment		 1.44 0.01 0.00 0.01 2.65 0.01 1.38 0.85 1.01 0.06 0.13
Sale and/or Maturity of Investments		 44 35 21 64 80 70 16 -137 67 37 32
Net Cash From Financing Activities		 67 38 37 41 73 65 168 154 102 6.27 -24
Net Cash From Continuing Financing Activities		 67 38 37 41 73 65 168 154 102 6.27 -24
Net Change in Deposits		 42 30 7.77 24 90 138 189 92 -0.08 46 100
Issuance of Debt		 43 20 56 51 33 25 0.00 109 15 135 35
Repayment of Debt		 -15 -11 -46 -31 -46 -94 -12 -16 91 -170 -153
Repurchase of Common Equity		 -1.32 - - 0.00 -1.21 -0.99 -6.28 -4.43 -0.23 -0.42 -1.57
Payment of Dividends		 -1.16 -1.19 -1.40 -2.00 -2.41 -2.62 -3.02 -4.06 -4.44 -4.54 -4.58
Cash Interest Paid		 - - - 4.82 6.97 6.68 3.47 4.95 25 38 37
Cash Income Taxes Paid		 - - - 0.40 2.78 6.87 4.44 2.93 3.01 0.55 3.16

Quarterly Cash Flow Statements for Eagle Bancorp Montana

This table details how cash moves in and out of Eagle Bancorp Montana's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -2.21 3.76 -3.63 2.85 18 -11 -8.75 4.12 2.59 33 -9.23
Net Cash From Operating Activities		 6.19 12 7.12 3.27 2.59 16 1.88 1.75 8.96 21 -4.72
Net Cash From Continuing Operating Activities		 6.19 12 7.12 3.27 2.59 16 1.88 1.75 8.96 21 -4.72
Net Income / (Loss) Continuing Operations		 2.64 2.16 1.90 1.74 2.71 3.43 3.24 3.24 3.63 4.73 3.98
Consolidated Net Income / (Loss)		 2.64 2.16 1.90 1.74 2.71 3.43 3.24 3.24 3.63 4.73 3.98
Provision For Loan Losses		 0.59 0.27 -0.14 0.41 0.28 -0.04 0.04 1.04 0.06 0.04 0.28
Depreciation Expense		 0.95 1.08 1.29 1.31 1.29 1.28 1.29 1.35 1.33 1.36 1.26
Amortization Expense		 1.28 1.16 1.11 1.24 1.22 1.18 0.97 1.12 1.04 1.19 1.18
Non-Cash Adjustments to Reconcile Net Income		 4.06 3.40 1.50 -1.36 -3.36 -2.62 6.80 -7.88 2.73 1.52 -3.47
Changes in Operating Assets and Liabilities, net		 -3.32 4.12 1.46 -0.07 0.46 12 -10 2.89 0.16 12 -7.96
Net Cash From Investing Activities		 -53 -3.01 -12 -20 -19 23 -1.51 -38 21 41 3.53
Net Cash From Continuing Investing Activities		 -53 -3.01 -12 -20 -19 23 -1.51 -38 21 41 3.53
Purchase of Property, Leasehold Improvements and Equipment		 -5.01 -2.59 -4.78 -2.64 -3.34 -3.32 -1.62 -0.36 -1.87 -0.93 -0.46
Purchase of Investment Securities		 -59 -5.81 -13 -20 -22 8.10 -5.89 -49 14 32 -0.38
Sale and/or Maturity of Investments		 11 5.36 5.78 2.61 6.73 18 6.00 11 8.24 9.96 4.37
Net Cash From Financing Activities		 44 -5.43 1.09 20 35 -49 -9.13 41 -27 -28 -8.03
Net Cash From Continuing Financing Activities		 44 -5.43 1.09 20 35 -49 -9.13 41 -27 -28 -8.03
Net Change in Deposits		 37 20 0.40 -17 32 31 8.74 48 14 29 4.48
Issuance of Debt		 - 15 20 19 25 106 10 10 - 15 0.00
Repayment of Debt		 8.50 -39 -18 18 -21 -184 -26 -16 -40 -71 -11
Repurchase of Common Equity		 - - 0.00 - - -0.42 -0.76 -0.41 - -0.41 0.00
Payment of Dividends		 -1.12 -1.12 -1.12 -1.12 -1.14 -1.15 -1.14 -1.13 -1.15 -1.16 -1.16
Cash Interest Paid		 8.50 7.71 10 8.63 11 7.94 11 8.39 11 6.54 7.70

Annual Balance Sheets for Eagle Bancorp Montana

This table presents Eagle Bancorp Montana's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 630 674 717 854 1,054 1,258 1,436 1,948 2,076 2,103 2,106
Cash and Due from Banks		 6.47 6.53 5.52 10 18 14 72 19 23 30 24
Federal Funds Sold		 - - - 0.00 2.54 7.61 6.83 0.00 0.00 - 0.00
Interest Bearing Deposits at Other Banks		 0.97 0.79 1.92 1.06 4.28 48 44 2.49 1.30 1.74 39
Trading Account Securities		 146 129 132 149 152 218 297 359 330 307 289
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,504 1,502
Accrued Investment Income		 2.28 2.12 2.56 3.48 4.58 5.77 - 11 12 13 14
Premises and Equipment, Net		 18 19 22 29 40 59 67 84 94 102 101
Goodwill		 7.03 7.03 7.03 12 16 21 21 35 35 35 35
Intangible Assets		 0.51 0.38 0.27 1.50 2.79 2.34 1.78 7.46 5.88 4.50 3.31
Other Assets		 27 29 29 36 43 53 8.04 1,430 1,574 107 99
Total Liabilities & Shareholders' Equity		 630 674 717 854 1,054 1,258 193 1,948 2,076 2,103 2,106
Total Liabilities		 575 614 633 759 933 1,105 1,279 1,790 1,906 1,928 1,915
Non-Interest Bearing Deposits		 77 83 100 143 200 318 - 469 419 419 452
Interest Bearing Deposits		 406 430 421 484 609 715 - 1,166 1,216 1,262 1,329
Federal Funds Purchased and Securities Sold		 - - - - - - - - - 0.00 0.11
Long-Term Debt		 88 97 108 127 113 47 30 128 235 200 82
Other Long-Term Liabilities		 4.05 4.29 4.82 5.39 10 25 0.65 26 36 47 50
Total Equity & Noncontrolling Interests		 55 59 84 95 122 153 162 158 169 175 192
Total Preferred & Common Equity		 55 59 84 95 122 153 157 158 169 175 192
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 55 59 84 95 122 153 162 158 169 175 192
Common Stock		 22 22 43 52 69 78 81 109 109 108 108
Retained Earnings		 37 41 44 47 55 74 85 92 96 101 112
Treasury Stock		 -3.32 -2.97 -2.83 -2.64 -3.64 -4.42 -7.32 -11 -11 -11 -12
Accumulated Other Comprehensive Income / (Loss)		 0.25 -0.41 0.31 -1.11 1.33 5.85 3.49 -26 -20 -20 -13
Other Equity Adjustments		 -0.98 -0.81 -0.64 -0.48 -0.31 -0.15 - -5.16 -4.58 -4.01 -3.44

Quarterly Balance Sheets for Eagle Bancorp Montana

This table presents Eagle Bancorp Montana's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 2,063 2,076 2,099 2,145 2,088 2,138 2,120 2,092
Cash and Due from Banks		 20 19 22 23 21 26 25 19
Federal Funds Sold		 - - - - - 0.04 - 0.10
Interest Bearing Deposits at Other Banks		 1.04 1.44 1.40 19 1.45 1.18 4.45 34
Trading Account Securities		 327 321 318 320 298 299 290 285
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 1,552 1,540 1,502
Accrued Investment Income		 14 12 13 15 13 15 17 14
Premises and Equipment, Net		 93 98 98 100 102 101 102 101
Goodwill		 35 35 35 35 35 35 35 35
Intangible Assets		 6.26 5.51 5.17 4.83 4.18 3.89 3.60 3.05
Other Assets		 1,568 1,584 1,606 1,628 1,614 105 103 100
Total Liabilities & Shareholders' Equity		 2,063 2,076 2,099 2,145 2,088 2,138 2,120 2,092
Total Liabilities		 1,906 1,907 1,929 1,967 1,911 1,957 1,933 1,899
Non-Interest Bearing Deposits		 436 409 400 420 411 417 429 438
Interest Bearing Deposits		 1,180 1,227 1,219 1,231 1,279 1,321 1,323 1,349
Federal Funds Purchased and Securities Sold		 - - - - - - - 0.00
Long-Term Debt		 259 237 274 278 184 179 138 71
Other Long-Term Liabilities		 32 35 36 39 37 40 43 42
Total Equity & Noncontrolling Interests		 157 169 170 178 178 181 186 193
Total Preferred & Common Equity		 157 169 170 178 178 181 186 193
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 157 169 170 178 178 181 186 193
Common Stock		 110 109 109 109 109 109 109 108
Retained Earnings		 95 97 97 99 103 105 108 114
Treasury Stock		 -12 -11 -11 -11 -12 -12 -12 -11
Accumulated Other Comprehensive Income / (Loss)		 -31 -21 -21 -15 -19 -18 -15 -15
Other Equity Adjustments		 -4.73 -4.44 -4.30 -4.15 -3.87 -3.72 -3.58 -3.29

Annual Metrics And Ratios for Eagle Bancorp Montana

This table displays calculated financial ratios and metrics derived from Eagle Bancorp Montana's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 3,776,916.00 3,779,464.00 5,000,450.00 5,477,652.00 6,423,033.00 6,756,107.00 6,776,703.00 7,980,282.00 7,988,132.00 - 7,952,177.00
DEI Adjusted Shares Outstanding		 3,776,916.00 3,779,464.00 5,000,450.00 5,477,652.00 6,423,033.00 6,756,107.00 6,776,703.00 7,980,282.00 7,988,132.00 - 7,952,177.00
DEI Earnings Per Adjusted Shares Outstanding		 0.68 1.36 0.82 0.91 1.69 3.14 2.13 1.34 1.26 - 1.87
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 17.78% 23.55% 3.57% 9.89% 49.60% 47.28% 0.53% -3.44% -4.84% -4.68% 12.75%
EBITDA Growth		 5.73% 60.17% -10.88% 0.50% 89.41% 86.77% -22.27% -18.79% -10.62% 3.46% 33.90%
EBIT Growth		 55.76% 152.68% -10.10% -5.38% 136.91% 103.61% -32.20% -28.18% -15.84% -2.27% 65.87%
NOPAT Growth		 22.22% 98.91% -20.05% 21.42% 118.23% 95.05% -32.01% -25.79% -6.03% -2.76% 51.72%
Net Income Growth		 22.22% 98.91% -20.05% 21.42% 118.23% 95.05% -32.01% -25.79% -6.03% -2.76% 51.72%
EPS Growth		 26.42% 97.01% -25.00% -8.08% 85.71% 84.02% -30.23% -33.18% -11.03% -3.88% 53.23%
Operating Cash Flow Growth		 -49.11% 163.98% 55.53% -32.32% -97.30% 478.69% 2,565.44% -25.76% -77.70% 205.36% 16.08%
Free Cash Flow Firm Growth		 -90.04% 73.33% -254.45% 16.18% 91.48% 2,692.32% -50.99% -423.52% -20.08% 136.29% 196.58%
Invested Capital Growth		 32.13% 9.59% 22.03% 15.94% 5.88% -14.96% -6.61% 53.62% 40.94% -7.22% -26.85%
Revenue Q/Q Growth		 4.23% 7.61% -0.91% 1.86% 0.00% 8.65% -3.55% 2.83% -1.87% 0.44% 3.31%
EBITDA Q/Q Growth		 4.47% 14.16% -7.28% 2.00% 264.34% 13.76% -13.36% 11.52% -12.58% 10.79% 9.45%
EBIT Q/Q Growth		 15.84% 22.39% -8.64% 1.05% 0.00% 14.35% -18.95% 21.07% -20.04% 19.43% 14.39%
NOPAT Q/Q Growth		 0.74% 12.45% -17.92% 21.78% 8.95% 15.38% -19.25% 21.52% -12.66% 14.91% 9.57%
Net Income Q/Q Growth		 0.74% 12.45% -17.92% 80.64% -3.89% 15.38% -19.25% 21.52% -12.66% 14.91% 9.57%
EPS Q/Q Growth		 1.52% 12.82% -23.26% 26.39% 6.96% 14.34% -18.42% 16.00% -13.42% 15.89% 10.47%
Operating Cash Flow Q/Q Growth		 117.65% 113.18% -5.43% 15.68% -55.85% -72.50% 80.75% 6.66% -60.05% 13.37% 17.68%
Free Cash Flow Firm Q/Q Growth		 27.57% 64.76% -132.07% 30.09% -7,864.29% 1,308.57% -56.43% -247.10% 39.91% 223.59% -20.14%
Invested Capital Q/Q Growth		 14.58% 1.94% 11.29% 4.38% 5.58% -15.67% -2.50% 26.88% -2.88% -17.80% -15.61%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 24.16% 31.32% 26.95% 24.65% 31.21% 39.57% 30.60% 25.74% 24.17% 26.24% 31.16%
EBIT Margin		 9.21% 18.84% 16.36% 14.08% 22.30% 30.83% 20.80% 15.47% 13.68% 14.02% 20.63%
Profit (Net Income) Margin		 8.67% 13.95% 10.77% 11.90% 17.36% 22.99% 15.55% 11.95% 11.80% 12.04% 16.20%
Tax Burden Percent		 94.06% 74.04% 65.85% 84.50% 77.84% 74.56% 74.78% 77.27% 86.29% 85.85% 78.52%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 5.94% 25.96% 34.15% 15.50% 22.16% 25.44% 25.22% 22.73% 13.71% 14.15% 21.48%
Return on Invested Capital (ROIC)		 2.05% 3.42% 2.36% 2.41% 4.76% 9.76% 7.46% 4.52% 2.91% 2.51% 4.57%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.05% 3.42% 2.36% 2.41% 4.76% 9.76% 7.46% 4.52% 2.91% 2.51% 4.57%
Return on Net Nonoperating Assets (RNNOA)		 2.76% 5.51% 3.38% 3.17% 5.29% 5.69% 1.68% 2.15% 3.23% 3.17% 3.52%
Return on Equity (ROE)		 4.82% 8.93% 5.74% 5.58% 10.05% 15.45% 9.14% 6.67% 6.14% 5.68% 8.09%
Cash Return on Invested Capital (CROIC)		 -25.63% -5.73% -17.49% -12.35% -0.95% 25.93% 14.30% -37.76% -31.07% 10.00% 35.59%
Operating Return on Assets (OROA)		 0.47% 1.06% 0.90% 0.75% 1.46% 2.46% 1.43% 0.82% 0.58% 0.55% 0.90%
Return on Assets (ROA)		 0.44% 0.79% 0.59% 0.63% 1.14% 1.83% 1.07% 0.63% 0.50% 0.47% 0.70%
Return on Common Equity (ROCE)		 4.82% 8.93% 5.74% 5.58% 10.05% 15.45% 9.14% 6.67% 6.14% 5.68% 8.09%
Return on Equity Simple (ROE_SIMPLE)		 4.65% 8.63% 4.91% 5.25% 8.94% 13.87% 9.20% 6.76% 5.94% 5.59% 7.73%
Net Operating Profit after Tax (NOPAT)		 2.58 5.13 4.10 4.98 11 21 14 11 10 9.78 15
NOPAT Margin		 8.67% 13.95% 10.77% 11.90% 17.36% 22.99% 15.55% 11.95% 11.80% 12.04% 16.20%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 68.51% 59.20% 62.59% 67.49% 58.77% 53.65% 66.35% 66.50% 68.50% 68.67% 63.30%
Operating Expenses to Revenue		 86.41% 76.17% 80.42% 83.58% 73.50% 65.77% 78.28% 82.30% 84.61% 85.34% 78.08%
Earnings before Interest and Taxes (EBIT)		 2.74 6.93 6.23 5.90 14 28 19 14 12 11 19
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 7.19 12 10 10 20 37 28 23 21 21 29
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.67 1.10 1.04 0.81 0.98 0.83 0.87 0.76 0.71 0.70 0.82
Price to Tangible Book Value (P/TBV)		 0.78 1.26 1.14 0.95 1.16 0.98 1.01 1.03 0.93 0.90 1.02
Price to Revenue (P/Rev)		 1.26 1.78 2.29 1.84 1.90 1.38 1.52 1.34 1.41 1.50 1.72
Price to Earnings (P/E)		 14.48 12.73 21.29 15.42 10.97 5.99 9.77 11.19 11.94 12.46 10.60
Dividend Yield		 3.08% 1.82% 1.95% 2.60% 2.02% 2.05% 2.14% 3.50% 3.69% 3.72% 2.91%
Earnings Yield		 6.90% 7.85% 4.70% 6.48% 9.12% 16.69% 10.24% 8.94% 8.38% 8.03% 9.43%
Enterprise Value to Invested Capital (EV/IC)		 0.82 0.99 0.98 0.87 0.88 0.52 0.26 0.79 0.82 0.77 0.64
Enterprise Value to Revenue (EV/Rev)		 3.95 4.23 4.93 4.60 3.32 1.13 0.52 2.53 3.88 3.57 1.93
Enterprise Value to EBITDA (EV/EBITDA)		 16.35 13.49 18.28 18.68 10.63 2.85 1.69 9.81 16.03 13.62 6.19
Enterprise Value to EBIT (EV/EBIT)		 42.87 22.42 30.12 32.69 14.87 3.66 2.48 16.33 28.34 25.49 9.35
Enterprise Value to NOPAT (EV/NOPAT)		 45.58 30.28 45.74 38.68 19.10 4.91 3.32 21.13 32.84 29.69 11.91
Enterprise Value to Operating Cash Flow (EV/OCF)		 24.08 12.05 9.36 14.20 567.34 49.17 0.85 5.40 35.34 10.17 5.33
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 1.85 1.73 0.00 0.00 7.46 1.53
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.58 1.64 1.29 1.34 0.93 0.31 0.18 0.81 1.39 1.14 0.43
Long-Term Debt to Equity		 1.58 1.64 1.29 1.34 0.93 0.31 0.18 0.81 1.39 1.14 0.43
Financial Leverage		 1.35 1.61 1.43 1.32 1.11 0.58 0.23 0.47 1.11 1.26 0.77
Leverage Ratio		 10.91 11.35 9.72 8.80 8.82 8.42 8.54 10.55 12.28 12.15 11.48
Compound Leverage Factor		 10.91 11.35 9.72 8.80 8.82 8.42 8.54 10.55 12.28 12.15 11.48
Debt to Total Capital		 61.25% 62.09% 56.31% 57.28% 48.22% 23.45% 15.53% 44.74% 58.10% 53.38% 30.04%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 61.25% 62.09% 56.31% 57.28% 48.22% 23.45% 15.53% 44.74% 58.10% 53.38% 30.04%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 38.75% 37.91% 43.69% 42.72% 51.78% 76.55% 84.47% 55.26% 41.90% 46.62% 69.96%
Debt to EBITDA		 12.19 8.45 10.50 12.32 5.80 1.28 1.05 5.57 11.40 9.39 2.89
Net Debt to EBITDA		 11.15 7.82 9.77 11.23 4.52 -0.63 -3.28 4.62 10.21 7.91 0.68
Long-Term Debt to EBITDA		 12.19 8.45 10.50 12.32 5.80 1.28 1.05 5.57 11.40 9.39 2.89
Debt to NOPAT		 33.98 18.98 26.27 25.51 10.42 2.21 2.07 11.98 23.34 20.46 5.55
Net Debt to NOPAT		 31.10 17.55 24.46 23.26 8.13 -1.08 -6.45 9.95 20.90 17.23 1.31
Long-Term Debt to NOPAT		 33.98 18.98 26.27 25.51 10.42 2.21 2.07 11.98 23.34 20.46 5.55
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -32 -8.59 -30 -26 -2.17 56 28 -89 -107 39 115
Operating Cash Flow to CapEx		 0.00% 575.58% 567.59% 192.41% 4.64% 10.27% 520.84% 263.31% 70.91% 203.56% 711.34%
Free Cash Flow to Firm to Interest Expense		 -13.12 -2.76 -7.44 -5.00 -0.28 8.69 8.61 -14.53 -3.68 0.96 3.25
Operating Cash Flow to Interest Expense		 1.99 4.14 4.90 2.66 0.05 0.33 17.60 6.81 0.32 0.70 0.93
Operating Cash Flow Less CapEx to Interest Expense		 2.32 3.42 4.04 1.28 -0.97 -2.85 14.22 4.23 -0.13 0.36 0.80
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.06 0.05 0.05 0.07 0.08 0.07 0.05 0.04 0.04 0.04
Fixed Asset Turnover		 1.55 1.96 1.84 1.63 1.80 1.87 1.47 1.18 0.95 0.83 0.90
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 143 157 191 222 235 200 187 287 404 375 274
Invested Capital Turnover		 0.24 0.25 0.22 0.20 0.27 0.42 0.48 0.38 0.25 0.21 0.28
Increase / (Decrease) in Invested Capital		 35 14 35 31 13 -35 -13 100 117 -29 -101
Enterprise Value (EV)		 118 155 188 193 208 104 48 226 330 290 177
Market Capitalization		 37 65 87 77 119 127 141 120 120 122 157
Book Value per Share		 $14.68 $15.73 $16.72 $17.31 $18.94 $22.64 $23.97 $19.85 $21.19 $21.80 $24.12
Tangible Book Value per Share		 $12.68 $13.77 $15.26 $14.82 $16.04 $19.21 $20.64 $14.56 $16.11 $16.91 $19.34
Total Capital		 143 157 191 222 235 200 192 287 404 375 274
Total Debt		 88 97 108 127 113 47 30 128 235 200 82
Total Long-Term Debt		 88 97 108 127 113 47 30 128 235 200 82
Net Debt		 80 90 100 116 88 -23 -93 106 210 169 19
Capital Expenditures (CapEx)		 -0.81 2.24 3.53 7.05 7.89 21 11 16 13 14 4.66
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 88 97 108 127 113 47 24 128 235 200 82
Total Depreciation and Amortization (D&A)		 4.45 4.59 4.04 4.42 5.58 8.06 9.09 9.20 8.94 9.92 9.64
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.68 $1.36 $1.01 $0.92 $1.69 $3.12 $2.17 $1.45 $1.29 $1.25 $1.90
Adjusted Weighted Average Basic Shares Outstanding		 3.78M 3.81M 5.46M 6.46M 6.82M 6.78M 6.69M 8.01M 8.02M 7.98M 7.97M
Adjusted Diluted Earnings per Share		 $0.67 $1.32 $0.99 $0.91 $1.69 $3.11 $2.17 $1.45 $1.29 $1.24 $1.90
Adjusted Weighted Average Diluted Shares Outstanding		 3.78M 3.81M 5.46M 6.46M 6.82M 6.78M 6.69M 8.01M 8.02M 7.98M 7.97M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 3.78M 3.81M 5.46M 6.46M 6.82M 6.78M 6.69M 8.01M 8.02M 7.98M 7.97M
Normalized Net Operating Profit after Tax (NOPAT)		 2.58 5.13 4.55 5.97 13 21 15 12 10 9.78 15
Normalized NOPAT Margin		 8.67% 13.95% 11.94% 14.26% 20.09% 23.12% 16.16% 13.93% 11.80% 12.04% 16.20%
Pre Tax Income Margin		 9.21% 18.84% 16.36% 14.08% 22.30% 30.83% 20.80% 15.47% 13.68% 14.02% 20.63%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.12 2.22 1.52 1.16 1.81 4.39 6.01 2.25 0.40 0.28 0.53
NOPAT to Interest Expense		 1.05 1.65 1.00 0.98 1.41 3.27 4.50 1.74 0.35 0.24 0.42
EBIT Less CapEx to Interest Expense		 1.45 1.50 0.66 -0.23 0.79 1.21 2.63 -0.34 -0.05 -0.06 0.40
NOPAT Less CapEx to Interest Expense		 1.38 0.93 0.14 -0.41 0.39 0.09 1.12 -0.85 -0.11 -0.10 0.29
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 45.12% 23.25% 34.22% 40.04% 22.14% 12.33% 20.93% 37.95% 44.17% 46.38% 30.86%
Augmented Payout Ratio		 96.28% 23.25% 34.22% 40.04% 33.27% 16.99% 64.48% 79.35% 46.47% 50.66% 41.46%

Quarterly Metrics And Ratios for Eagle Bancorp Montana

This table displays calculated financial ratios and metrics derived from Eagle Bancorp Montana's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 7,988,132.00 7,988,132.00 8,016,784.00 8,016,784.00 8,016,784.00 - 7,977,177.00 7,952,177.00 7,952,177.00 7,952,177.00 7,965,431.00
DEI Adjusted Shares Outstanding		 7,988,132.00 7,988,132.00 8,016,784.00 8,016,784.00 8,016,784.00 - 7,977,177.00 7,952,177.00 7,952,177.00 7,952,177.00 7,965,431.00
DEI Earnings Per Adjusted Shares Outstanding		 0.33 0.27 0.24 0.22 0.34 - 0.41 0.41 0.46 0.59 0.50
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -10.40% -7.19% -9.16% -7.30% -3.87% 1.68% 9.14% 15.33% 12.61% 13.73% 12.75%
EBITDA Growth		 -17.53% -42.03% -28.16% 2.20% 6.78% 50.77% 31.40% 36.39% 27.36% 39.97% 22.88%
EBIT Growth		 -23.38% -61.23% -47.10% -7.50% 2.50% 100.22% 70.63% 82.77% 53.06% 64.21% 31.63%
NOPAT Growth		 -14.78% -40.25% -41.46% -13.75% 2.81% 58.64% 70.65% 86.25% 34.00% 37.75% 23.00%
Net Income Growth		 -14.78% -40.25% -41.46% -13.75% 2.81% 58.64% 70.65% 86.25% 34.00% 37.75% 23.00%
EPS Growth		 -15.00% -42.55% -42.86% -15.38% 0.00% 62.96% 70.83% 86.36% 35.29% 40.91% 24.39%
Operating Cash Flow Growth		 697.97% -53.53% 713.26% 141.45% -58.14% 27.59% -73.54% -46.51% 245.70% 31.98% -350.69%
Free Cash Flow Firm Growth		 -495.84% -19.45% 57.32% 83.94% 80.09% 128.30% 179.49% 397.77% 461.09% 223.31% 115.91%
Invested Capital Growth		 84.13% 40.94% 17.74% 7.60% 9.62% -7.22% -10.80% -19.14% -28.75% -26.85% -26.98%
Revenue Q/Q Growth		 0.72% -2.83% -8.78% 3.83% 4.44% 2.78% -2.08% 9.72% 1.97% 3.80% -2.92%
EBITDA Q/Q Growth		 16.43% -24.13% 14.17% 1.35% 21.63% 7.13% -0.50% 5.20% 13.58% 17.73% -12.65%
EBIT Q/Q Growth		 33.91% -41.47% 22.66% -3.79% 48.40% 14.33% 4.54% 3.05% 24.27% 22.66% -16.20%
NOPAT Q/Q Growth		 30.77% -17.87% -12.29% -8.43% 55.87% 26.73% -5.65% -0.06% 12.14% 30.28% -15.75%
Net Income Q/Q Growth		 30.77% -17.87% -12.29% -8.43% 55.87% 26.73% -5.65% -0.06% 12.14% 30.28% -15.75%
EPS Q/Q Growth		 30.77% -20.59% -11.11% -8.33% 54.55% 29.41% -6.82% 0.00% 12.20% 34.78% -17.74%
Operating Cash Flow Q/Q Growth		 178.55% 97.08% -41.63% -54.13% -20.67% 500.62% -87.89% -7.27% 412.71% 129.31% -123.00%
Free Cash Flow Firm Q/Q Growth		 -1.54% 38.54% 48.61% 49.93% -25.89% 187.37% 44.34% 87.56% 52.65% -21.77% -3.61%
Invested Capital Q/Q Growth		 0.75% -2.88% 0.38% 9.56% 2.64% -17.80% -3.50% -0.68% -9.56% -15.61% -3.67%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 24.91% 19.45% 24.35% 23.76% 27.67% 28.85% 29.31% 28.10% 31.30% 35.50% 31.95%
EBIT Margin		 14.61% 8.80% 11.83% 10.96% 15.58% 17.33% 18.50% 17.38% 21.18% 25.02% 21.60%
Profit (Net Income) Margin		 12.19% 10.30% 9.90% 8.73% 13.03% 16.07% 15.48% 14.10% 15.51% 19.47% 16.89%
Tax Burden Percent		 83.41% 117.04% 83.69% 79.65% 83.66% 92.73% 83.70% 81.17% 73.24% 77.79% 78.21%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 16.59% -17.04% 16.31% 20.35% 16.34% 7.27% 16.30% 18.83% 26.76% 22.21% 21.79%
Return on Invested Capital (ROIC)		 3.30% 2.54% 2.20% 1.66% 2.42% 3.35% 3.35% 3.02% 3.52% 5.49% 5.09%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.30% 2.54% 2.20% 1.66% 2.42% 3.35% 3.35% 3.02% 3.52% 5.49% 5.09%
Return on Net Nonoperating Assets (RNNOA)		 3.56% 2.81% 2.77% 2.62% 3.87% 4.24% 4.07% 3.90% 4.03% 4.23% 3.51%
Return on Equity (ROE)		 6.86% 5.36% 4.97% 4.29% 6.29% 7.59% 7.41% 6.92% 7.55% 9.72% 8.59%
Cash Return on Invested Capital (CROIC)		 -55.63% -31.07% -13.97% -5.35% -7.23% 10.00% 14.32% 24.30% 37.04% 35.59% 36.17%
Operating Return on Assets (OROA)		 0.64% 0.37% 0.49% 0.43% 0.60% 0.67% 0.74% 0.71% 0.88% 1.09% 0.97%
Return on Assets (ROA)		 0.53% 0.44% 0.41% 0.35% 0.50% 0.62% 0.62% 0.57% 0.64% 0.85% 0.76%
Return on Common Equity (ROCE)		 6.86% 5.36% 4.97% 4.29% 6.29% 7.59% 7.41% 6.92% 7.55% 9.72% 8.59%
Return on Equity Simple (ROE_SIMPLE)		 7.32% 0.00% 5.16% 4.96% 4.79% 0.00% 6.26% 6.99% 7.26% 0.00% 8.07%
Net Operating Profit after Tax (NOPAT)		 2.64 2.16 1.90 1.74 2.71 3.43 3.24 3.24 3.63 4.73 3.98
NOPAT Margin		 12.19% 10.30% 9.90% 8.73% 13.03% 16.07% 15.48% 14.10% 15.51% 19.47% 16.89%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 67.61% 73.53% 70.93% 70.73% 66.84% 66.50% 64.67% 63.00% 64.52% 61.23% 63.31%
Operating Expenses to Revenue		 82.67% 89.91% 88.87% 86.97% 83.09% 82.84% 81.30% 78.10% 78.56% 74.82% 77.22%
Earnings before Interest and Taxes (EBIT)		 3.16 1.85 2.27 2.18 3.24 3.70 3.87 3.99 4.96 6.08 5.09
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 5.39 4.09 4.67 4.73 5.75 6.16 6.13 6.45 7.33 8.63 7.53
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.58 0.71 0.59 0.60 0.69 0.70 0.73 0.73 0.74 0.82 0.85
Price to Tangible Book Value (P/TBV)		 0.78 0.93 0.77 0.79 0.89 0.90 0.93 0.93 0.93 1.02 1.06
Price to Revenue (P/Rev)		 1.05 1.41 1.19 1.26 1.51 1.50 1.56 1.54 1.55 1.72 1.74
Price to Earnings (P/E)		 7.66 11.94 11.37 12.17 14.38 12.46 11.65 10.51 10.14 10.60 10.52
Dividend Yield		 4.85% 3.69% 4.51% 4.37% 3.69% 3.72% 3.50% 3.42% 3.32% 2.91% 2.81%
Earnings Yield		 13.05% 8.38% 8.80% 8.22% 6.95% 8.03% 8.59% 9.52% 9.86% 9.43% 9.50%
Enterprise Value to Invested Capital (EV/IC)		 0.79 0.82 0.78 0.79 0.79 0.77 0.80 0.79 0.76 0.64 0.69
Enterprise Value to Revenue (EV/Rev)		 3.79 3.88 3.78 4.32 4.43 3.57 3.51 3.30 2.78 1.93 1.92
Enterprise Value to EBITDA (EV/EBITDA)		 13.96 16.03 16.77 18.71 18.64 13.62 12.77 11.61 9.45 6.19 6.06
Enterprise Value to EBIT (EV/EBIT)		 22.57 28.34 32.66 37.32 37.58 25.49 22.39 19.21 14.91 9.35 9.01
Enterprise Value to NOPAT (EV/NOPAT)		 28.57 32.84 36.12 41.85 42.12 29.69 26.16 22.53 18.19 11.91 11.64
Enterprise Value to Operating Cash Flow (EV/OCF)		 14.06 35.34 17.85 12.27 14.24 10.17 12.48 13.05 8.75 5.33 6.84
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 7.46 5.29 2.91 1.70 1.53 1.60
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.65 1.39 1.40 1.61 1.57 1.14 1.04 0.99 0.74 0.43 0.37
Long-Term Debt to Equity		 1.65 1.39 1.40 1.61 1.57 1.14 1.04 0.99 0.74 0.43 0.37
Financial Leverage		 1.08 1.11 1.26 1.58 1.60 1.26 1.21 1.29 1.14 0.77 0.69
Leverage Ratio		 12.92 12.28 12.23 12.38 12.56 12.15 12.02 12.08 11.71 11.48 11.28
Compound Leverage Factor		 12.92 12.28 12.23 12.38 12.56 12.15 12.02 12.08 11.71 11.48 11.28
Debt to Total Capital		 62.19% 58.10% 58.34% 61.70% 61.02% 53.38% 50.91% 49.72% 42.60% 30.04% 26.94%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 62.19% 58.10% 58.34% 61.70% 61.02% 53.38% 50.91% 49.72% 42.60% 30.04% 26.94%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 37.81% 41.90% 41.66% 38.30% 38.98% 46.62% 49.09% 50.28% 57.40% 69.96% 73.06%
Debt to EBITDA		 10.98 11.40 12.61 14.53 14.47 9.39 8.09 7.29 5.31 2.89 2.38
Net Debt to EBITDA		 10.10 10.21 11.49 13.27 12.27 7.91 7.08 6.19 4.18 0.68 0.58
Long-Term Debt to EBITDA		 10.98 11.40 12.61 14.53 14.47 9.39 8.09 7.29 5.31 2.89 2.38
Debt to NOPAT		 22.47 23.34 27.16 32.50 32.70 20.46 16.56 14.16 10.22 5.55 4.57
Net Debt to NOPAT		 20.66 20.90 24.75 29.68 27.75 17.23 14.51 12.02 8.04 1.31 1.12
Long-Term Debt to NOPAT		 22.47 23.34 27.16 32.50 32.70 20.46 16.56 14.16 10.22 5.55 4.57
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -187 -115 -59 -30 -37 33 47 88 135 105 102
Operating Cash Flow to CapEx		 123.48% 477.00% 149.02% 123.76% 77.57% 468.03% 116.15% 486.63% 479.75% 2,538.81% -1,024.51%
Free Cash Flow to Firm to Interest Expense		 -22.03 -12.33 -6.08 -2.91 -3.40 3.29 5.13 9.80 14.73 12.86 13.51
Operating Cash Flow to Interest Expense		 0.73 1.31 0.73 0.32 0.24 1.57 0.21 0.19 0.98 2.51 -0.63
Operating Cash Flow Less CapEx to Interest Expense		 0.14 1.03 0.24 0.06 -0.07 1.24 0.03 0.15 0.78 2.41 -0.69
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.05
Fixed Asset Turnover		 1.01 0.95 0.90 0.87 0.84 0.83 0.83 0.86 0.88 0.90 0.93
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 416 404 406 444 456 375 362 359 325 274 264
Invested Capital Turnover		 0.27 0.25 0.22 0.19 0.19 0.21 0.22 0.21 0.23 0.28 0.30
Increase / (Decrease) in Invested Capital		 190 117 61 31 40 -29 -44 -85 -131 -101 -98
Enterprise Value (EV)		 329 330 315 353 358 290 291 284 246 177 181
Market Capitalization		 91 120 99 103 122 122 130 133 137 157 164
Book Value per Share		 $19.69 $21.19 $21.07 $21.23 $22.17 $21.80 $22.26 $22.72 $23.45 $24.12 $24.22
Tangible Book Value per Share		 $14.55 $16.11 $16.05 $16.25 $17.23 $16.91 $17.38 $17.86 $18.63 $19.34 $19.48
Total Capital		 416 404 406 444 456 375 362 359 325 274 264
Total Debt		 259 235 237 274 278 200 184 179 138 82 71
Total Long-Term Debt		 259 235 237 274 278 200 184 179 138 82 71
Net Debt		 238 210 216 250 236 169 161 152 109 19 17
Capital Expenditures (CapEx)		 5.01 2.56 4.78 2.64 3.34 3.33 1.62 0.36 1.87 0.81 0.46
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 259 235 237 274 278 200 184 179 138 82 71
Total Depreciation and Amortization (D&A)		 2.23 2.24 2.40 2.55 2.51 2.46 2.26 2.46 2.37 2.55 2.44
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.34 $0.27 $0.24 $0.22 $0.35 $0.44 $0.41 $0.42 $0.47 $0.60 $0.51
Adjusted Weighted Average Basic Shares Outstanding		 7.99M 8.02M 8.02M 8.02M 8.02M 7.98M 7.95M 7.95M 7.95M 7.97M 7.97M
Adjusted Diluted Earnings per Share		 $0.34 $0.27 $0.24 $0.22 $0.34 $0.44 $0.41 $0.41 $0.46 $0.62 $0.51
Adjusted Weighted Average Diluted Shares Outstanding		 7.99M 8.02M 8.02M 8.02M 8.02M 7.98M 7.95M 7.95M 7.95M 7.97M 7.97M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 7.99M 8.02M 8.02M 8.02M 8.02M 7.98M 7.95M 7.95M 7.95M 7.97M 7.97M
Normalized Net Operating Profit after Tax (NOPAT)		 2.64 1.29 1.90 1.74 2.71 3.43 3.24 3.24 3.63 4.73 3.98
Normalized NOPAT Margin		 12.19% 6.16% 9.90% 8.73% 13.03% 16.07% 15.48% 14.10% 15.51% 19.47% 16.89%
Pre Tax Income Margin		 14.61% 8.80% 11.83% 10.96% 15.58% 17.33% 18.50% 17.38% 21.18% 25.02% 21.60%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.37 0.20 0.23 0.21 0.30 0.37 0.42 0.44 0.54 0.74 0.68
NOPAT to Interest Expense		 0.31 0.23 0.20 0.17 0.25 0.35 0.35 0.36 0.40 0.58 0.53
EBIT Less CapEx to Interest Expense		 -0.22 -0.08 -0.26 -0.04 -0.01 0.04 0.25 0.40 0.34 0.64 0.62
NOPAT Less CapEx to Interest Expense		 -0.28 -0.04 -0.30 -0.09 -0.06 0.01 0.18 0.32 0.19 0.48 0.47
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 38.40% 44.17% 51.22% 53.16% 52.99% 46.38% 40.92% 36.15% 33.76% 30.86% 29.50%
Augmented Payout Ratio		 41.48% 46.47% 51.22% 53.16% 52.99% 50.66% 51.48% 48.68% 45.45% 41.46% 34.75%

Financials Breakdown Chart

Key Financial Trends

Eagle Bancorp Montana (NASDAQ: EBMT) showed a weaker start to fiscal 2026, with profitability still positive but operating cash flow turning sharply negative in Q1. The company earned $4.0 million in net income in the quarter, up from $3.4 million in Q4 2025 and above the prior-year Q1 result of $3.2 million. However, that earnings strength did not translate into cash generation, as operating cash flow was negative $4.7 million versus positive $20.5 million in Q4 2025 and positive $1.9 million in Q1 2025.

Revenue and margin trends were mixed. Q1 2026 total revenue was $23.6 million, down slightly from $24.3 million in Q4 2025 but up from $20.9 million a year ago. Net interest income declined sequentially to $18.7 million from $19.2 million in Q4 2025, but it improved meaningfully from $16.9 million in Q1 2025. The bank’s interest expense remained elevated, especially on deposits, which can pressure margin if funding costs stay high.

Non-interest income was notably weaker quarter over quarter. It fell to $4.9 million in Q1 2026 from $5.1 million in Q4 2025, but it was still above the $4.0 million reported in Q1 2025. The drop was mainly tied to lower fee-related income, with other service charges down sharply from the unusually strong Q4 2025 level.

Expense control remained fairly steady. Total non-interest expense was $18.2 million in Q1 2026, nearly flat versus $18.2 million in Q4 2025 and slightly above $17.0 million in Q1 2025. Salaries and employee benefits, occupancy, and other operating expenses remained the main cost drivers.

Loan-loss provisioning stayed modest. The provision for credit losses was only $279,000 in Q1 2026, up from $39,000 in Q4 2025 but below the $1.0 million recorded in Q2 2025. That suggests credit costs have remained manageable so far, even though the bank’s operating cash flow was weak this quarter.

The balance sheet showed lower leverage and a modest equity decline. Total assets fell to $2.09 billion from $2.14 billion in Q2 2025 and $2.12 billion in Q3 2025. Total common equity declined to $193.0 million, compared with $186.5 million in Q3 2025 and $180.6 million in Q2 2025, but book value trends remain influenced by accumulated losses in other comprehensive income and debt activity.

  • Net income improved year over year, rising to $4.0 million in Q1 2026 from $3.2 million in Q1 2025.
  • Net interest income improved versus last year, reaching $18.7 million from $16.9 million in Q1 2025.
  • Provision for credit losses remained low at $279,000, indicating limited near-term credit stress.
  • Investing cash flow was positive at $3.5 million, helped by sales and maturities of investments.
  • Deposits increased by $4.5 million in the quarter, supporting funding stability.
  • Total assets eased modestly to $2.09 billion, suggesting a relatively stable but slightly smaller balance sheet.
  • Total non-interest expense was essentially flat sequentially, showing no major quarter-to-quarter cost blowout.
  • Common equity stayed close to prior quarters, with no major dilution or share count change.
  • Operating cash flow turned negative at $4.7 million, a sharp deterioration from the prior quarter.
  • Financing cash flow was also negative at $8.0 million, driven by debt repayment and dividends.

Bottom line: EBMT’s Q1 2026 results show a bank that is still profitable and generally credit-stable, but with weaker cash generation and a funding mix that remains sensitive to interest expense and debt repayment. For retail investors, the key watch items are whether net interest income can keep improving, whether fee income normalizes, and whether operating cash flow rebounds in coming quarters.

07/31/26 08:33 AM ETAI Generated. May Contain Errors.

Eagle Bancorp Montana Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Eagle Bancorp Montana's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Eagle Bancorp Montana's net income appears to be on an upward trend, with a most recent value of $14.84 million in 2025, rising from $2.58 million in 2015. The previous period was $9.78 million in 2024. Find out what analysts predict for Eagle Bancorp Montana in the coming months.

Over the last 10 years, Eagle Bancorp Montana's total revenue changed from $29.77 million in 2015 to $91.57 million in 2025, a change of 207.6%.

Eagle Bancorp Montana's total liabilities were at $1.91 billion at the end of 2025, a 0.7% decrease from 2024, and a 233.0% increase since 2015.

In the past 10 years, Eagle Bancorp Montana's cash and equivalents has ranged from $5.52 million in 2017 to $72.37 million in 2021, and is currently $24.11 million as of their latest financial filing in 2025.

Over the last 10 years, Eagle Bancorp Montana's book value per share changed from 14.68 in 2015 to 24.12 in 2025, a change of 64.3%.


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Financial statements for NASDAQ:EBMT last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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