Eagle Bancorp Montana, Inc (EBMT) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 6, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 5, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the EBMT SEC filings page.
Eagle Bancorp Montana, Inc (EBMT) reported $95.4M in revenue over the twelve months to Jun 30, 2026, up 11.0% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
This bank’s cash-backed rebound and lower leverage show strengthening economics without balance-sheet expansion in FY2025.
The 2025 earnings rebound was cash-backed: operating cash flow reached$33.1M versus net income of$14.8M , so cash generation substantially exceeded reported profit. With free cash flow at$28.3M , the combination points to earnings supported by realized cash rather than relying chiefly on non-cash accounting entries.
The bank’s capital structure became less debt-dependent: debt-to-equity fell to 0.2x from the prior year, indicating reduced leverage. Equity reached
Revenue recovered to
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Eagle Bancorp Montana, Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Eagle Bancorp Montana, Inc earned a return on assets of 0.7% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.5% the prior year. Earnings ranks banks on that return over three years, and Eagle Bancorp Montana, Inc scores 31/100 among other banks.
Eagle Bancorp Montana, Inc reported revenue of $91.6M in fiscal year 2025, against $81.2M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Eagle Bancorp Montana, Inc scores 30/100 among other banks.
Eagle Bancorp Montana, Inc funded 9.1% of its assets with shareholders' equity at the end of fiscal year 2025, holding $191.8M of equity against $2.1B of assets. Capital ranks banks on that cushion, and Eagle Bancorp Montana, Inc scores 19/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Eagle Bancorp Montana, Inc scores 15/100 on it among other banks.
Not available for Eagle Bancorp Montana, Inc, and counted as zero in the overall score.
Eagle Bancorp Montana, Inc reported net income of $14.8M in fiscal year 2025, against $9.8M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Eagle Bancorp Montana, Inc scores 63/100 among other banks.
Eagle Bancorp Montana, Inc passes 7 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Eagle Bancorp Montana, Inc generates $2.23 in operating cash flow ($33.1M OCF vs $14.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Eagle Bancorp Montana, Inc generated $24.2M in revenue in Q2 2026. This represents an increase of 5.2% from the same quarter a year earlier. Against the prior quarter it is up 2.4%.
Eagle Bancorp Montana, Inc reported $3.7M in net income in Q2 2026. This represents an increase of 14.8% from the same quarter a year earlier. Against the prior quarter it is down 6.8%.
Eagle Bancorp Montana, Inc earned $0.47 per diluted share (EPS) in Q2 2026. This represents an increase of 14.6% from the same quarter a year earlier. Against the prior quarter it is down 7.8%.
Not reported for Q2 2026.
Cash & Balance Sheet
Eagle Bancorp Montana, Inc recorded an outflow of $2.8M in free cash flow in Q2 2026, representing a cash shortfall after capex. This represents a decrease of 301.0% from the same quarter a year earlier. Against the prior quarter it is up 46.2%.
Eagle Bancorp Montana, Inc held $29.0M in cash against $44.5M in long-term debt as of Q2 2026.
Eagle Bancorp Montana, Inc paid $0.14 per share in dividends in Q2 2026. This represents an increase of 1.8% from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
Eagle Bancorp Montana, Inc's net profit margin was 15.4% in Q2 2026, showing the share of revenue converted to profit. This is up 1.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.5 percentage points.
Eagle Bancorp Montana, Inc's ROE was 1.9% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.2 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Eagle Bancorp Montana, Inc repurchased no shares in Q2 2026. This represents a decrease of 100.0% from the same quarter a year earlier.
Eagle Bancorp Montana, Inc invested $718K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 100.0% from the same quarter a year earlier. Against the prior quarter it is up 55.7%.
Not reported for Q2 2026.
EBMT Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $24.2M+5.2% | $23.6M+12.7% | $24.3M+13.7% | $23.4M+12.6% | $23.0M+15.3% | $20.9M+9.1% | $21.4M+1.7% | $20.8M-3.9% |
| SG&A Expenses | $11.7M+10.0% | $10.8M+11.9% | $10.9M+10.8% | $11.2M+13.1% | $10.6M+3.6% | $9.7M-0.6% | $9.8M-13.5% | $9.9M-8.7% |
| Interest Expense | $7.5M-17.0% | $7.5M-18.0% | $8.2M-17.2% | $9.1M-16.5% | $9.0M-11.6% | $9.2M-5.8% | $9.9M+5.9% | $11.0M+28.8% |
| Income Tax | $1.1M+47.1% | $1.1M+75.9% | $1.4M+401.9% | $1.3M+150.7% | $751K+69.1% | $631K+70.5% | $269K+185.4% | $529K+1.0% |
| Net Income | $3.7M+14.8% | $4.0M+23.0% | $4.7M+37.8% | $3.6M+34.0% | $3.2M+86.2% | $3.2M+70.7% | $3.4M+58.6% | $2.7M+2.8% |
| EPS (Basic) | $0.47+11.9% | $0.51+24.4% | $0.60+36.4% | $0.47+34.3% | $0.42+90.9% | $0.41+70.8% | $0.44+57.1% | $0.35+2.9% |
| EPS (Diluted) | $0.47+14.6% | $0.51+24.4% | $0.61+41.9% | $0.46+35.3% | $0.41+86.4% | $0.41+70.8% | $0.43+53.6% | $0.340.0% |
| Diluted Shares (Avg) | 8M+0.6% | 8M+0.3% | N/A | 8M-0.4% | 8M-0.4% | 8M-0.1% | N/A | 8M+0.9% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
EBMT Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.1B-0.6% | $2.1B+0.2% | $2.1B+0.2% | $2.1B-1.2% | $2.1B+1.8% | $2.1B+0.6% | $2.1B+1.3% | $2.1B+4.0% |
| Cash & Equivalents | $29.0M+7.5% | $53.7M+135.6% | $63.0M+99.5% | $29.5M-30.0% | $26.9M+13.3% | $22.8M+9.0% | $31.6M+28.6% | $42.2M+103.0% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $34.7M0.0% | $34.7M0.0% | $34.7M0.0% | $34.7M0.0% | $34.7M0.0% | $34.7M0.0% | $34.7M0.0% | $34.7M0.0% |
| Total Liabilities | $1.9B-1.5% | $1.9B-0.6% | $1.9B-0.7% | $1.9B-1.7% | $2.0B+1.5% | $1.9B+0.2% | $1.9B+1.2% | $2.0B+3.2% |
| Long-Term Debt | $44.5M-24.8% | $44.5M-24.8% | $44.5M-24.9% | $59.3M+0.3% | $59.2M+0.3% | $59.2M+0.3% | $59.1M+0.3% | $59.1M+0.3% |
| Total Equity | $197.4M+9.3% | $193.0M+8.7% | $191.8M+9.8% | $186.5M+4.9% | $180.6M+6.2% | $177.6M+5.1% | $174.8M+3.2% | $177.7M+13.0% |
| Retained Earnings | $116.9M+10.8% | $114.3M+10.6% | $111.5M+10.1% | $107.9M+9.1% | $105.5M+8.3% | $103.4M+6.8% | $101.3M+5.5% | $99.0M+4.2% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.
EBMT Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$2.1M-218.6% | -$4.7M-350.7% | $20.5M+32.0% | $9.0M+245.7% | $1.7M-46.5% | $1.9M-73.5% | $15.6M+27.6% | $2.6M-58.1% |
| Depreciation & Amortization | $1.6M-10.1% | $1.6M-5.6% | $1.8M+1.7% | $1.7M-0.6% | $1.8M-1.3% | $1.7M-3.5% | $1.7M+7.5% | $1.7M+15.6% |
| Capital Expenditures | $718K+100.0% | $461K-71.6% | $934K-71.9% | $1.9M-44.1% | $359K-86.4% | $1.6M-66.1% | $3.3M+28.4% | $3.3M-33.4% |
| Free Cash Flow | -$2.8M-301.0% | -$5.2M-2078.6% | $19.6M+60.2% | $7.1M+1046.6% | $1.4M+121.4% | $262K-88.8% | $12.2M+27.4% | -$749K-163.6% |
| Investing Cash Flow | -$51.1M-32.8% | $3.5M+334.2% | $41.2M+79.9% | $20.8M+210.6% | -$38.5M-91.8% | -$1.5M+87.3% | $22.9M+860.7% | -$18.8M+64.5% |
| Financing Cash Flow | $28.4M-30.5% | -$8.0M+12.0% | -$28.3M+42.4% | -$27.1M-178.4% | $40.9M+108.0% | -$9.1M-941.7% | -$49.1M-804.8% | $34.6M-22.2% |
| Dividends Paid | $1.2M+1.9% | $1.2M+1.6% | $1.2M+0.6% | $1.2M+0.9% | $1.1M+1.0% | $1.1M+1.3% | $1.1M+2.3% | $1.1M+2.2% |
| Share Buybacks | $0-100.0% | $0-100.0% | $410K-2.1% | $0 | $408K | $755K | $419K | $0 |
Not reported in any period shown, so not listed: Stock-Based Compensation.
EBMT Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 15.4%+1.3pp | 16.9%+1.4pp | 19.5%+3.4pp | 15.5%+2.5pp | 14.1%+5.4pp | 15.5%+5.6pp | 16.1%+5.8pp | 13.0%+0.8pp |
| Return on Equity | 1.9%+0.1pp | 2.1%+0.2pp | 2.5%+0.5pp | 1.9%+0.4pp | 1.8%+0.8pp | 1.8%+0.7pp | 2.0%+0.7pp | 1.5%-0.2pp |
| Return on Assets | 0.2%0.0pp | 0.2%0.0pp | 0.2%+0.1pp | 0.2%0.0pp | 0.1%+0.1pp | 0.2%+0.1pp | 0.2%+0.1pp | 0.1%0.0pp |
| Debt-to-Equity | 0.23-0.1x | 0.23-0.1x | 0.23-0.1x | 0.320.0x | 0.330.0x | 0.330.0x | 0.340.0x | 0.330.0x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | -11.6%-17.6pp | -22.0%-23.2pp | 80.7%+23.4pp | 30.3%+33.9pp | 6.0%+2.9pp | 1.3%-11.0pp | 57.3%+11.5pp | -3.6%-9.0pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Eagle Bancorp Montana, Inc EBMT | FY2025 | $91.6M | $14.8M | 16.2% | $167.7M | 26/100 |
| Rhinebeck Bancorp, Inc. RBKB | FY2025 | $53.4M | $10.0M | 18.8% | $206.9M | 23/100 |
| Citizens Community Bancorp, Inc. CZWI | FY2025 | $62.3M | $14.4M | 23.1% | $205.6M | 44/100 |
| Landmark Bancorp Inc LARK | FY2025 | $70.6M | $19K | 0.0% | $190.7M | 34/100 |
| Richmond Mutual Bancorporation, Inc. RMBI | FY2025 | $48.9M | $11.6M | 23.7% | $245.7M | 36/100 |
| Finward Bancorp FNWD | FY2025 | $66.0M | $8.1M | 12.3% | $181.5M | 36/100 |
Where Eagle Bancorp Montana, Inc Ranks
Frequently Asked Questions
What is Eagle Bancorp Montana, Inc's annual revenue?
Eagle Bancorp Montana, Inc (EBMT) reported $91.6M in total revenue for fiscal year 2025. This represents a 12.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Eagle Bancorp Montana, Inc's revenue growing?
Eagle Bancorp Montana, Inc (EBMT) revenue grew by 12.8% year-over-year, from $81.2M to $91.6M in fiscal year 2025.
Is Eagle Bancorp Montana, Inc profitable?
Yes, Eagle Bancorp Montana, Inc (EBMT) reported a net income of $14.8M in fiscal year 2025, with a net profit margin of 16.2%.
How much debt does Eagle Bancorp Montana, Inc have?
As of fiscal year 2025, Eagle Bancorp Montana, Inc (EBMT) had $63.0M in cash and equivalents against $44.5M in long-term debt.
What is Eagle Bancorp Montana, Inc's net profit margin?
Eagle Bancorp Montana, Inc (EBMT) had a net profit margin of 16.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Eagle Bancorp Montana, Inc pay dividends?
Yes, Eagle Bancorp Montana, Inc (EBMT) paid $0.57 per share in dividends during fiscal year 2025.
What is Eagle Bancorp Montana, Inc's return on equity (ROE)?
Eagle Bancorp Montana, Inc (EBMT) has a return on equity of 7.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Eagle Bancorp Montana, Inc's free cash flow?
Eagle Bancorp Montana, Inc (EBMT) generated $28.3M in free cash flow during fiscal year 2025. This represents a 96.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Eagle Bancorp Montana, Inc's operating cash flow?
Eagle Bancorp Montana, Inc (EBMT) generated $33.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Eagle Bancorp Montana, Inc's total assets?
Eagle Bancorp Montana, Inc (EBMT) had $2.1B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Eagle Bancorp Montana, Inc's capital expenditures?
Eagle Bancorp Montana, Inc (EBMT) invested $4.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Eagle Bancorp Montana, Inc's debt-to-equity ratio?
Eagle Bancorp Montana, Inc (EBMT) had a debt-to-equity ratio of 0.23 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Eagle Bancorp Montana, Inc's return on assets (ROA)?
Eagle Bancorp Montana, Inc (EBMT) had a return on assets of 0.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Eagle Bancorp Montana, Inc's P/E ratio?
Eagle Bancorp Montana, Inc (EBMT) trades at 10.4x earnings, its market capitalization divided by net income of $16.1M net income, trailing 12 months to June 30, 2026. The market capitalization is $167.7M as of Oct 6, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Eagle Bancorp Montana, Inc's price-to-sales ratio?
Eagle Bancorp Montana, Inc (EBMT) trades at 1.8x sales, its market capitalization divided by revenue of $95.4M revenue, trailing 12 months to June 30, 2026. The market capitalization is $167.7M as of Oct 6, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Eagle Bancorp Montana, Inc's Piotroski F-Score?
Eagle Bancorp Montana, Inc (EBMT) has a Piotroski F-Score of 7 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Eagle Bancorp Montana, Inc's earnings high quality?
Eagle Bancorp Montana, Inc (EBMT) has an earnings quality ratio of 2.23x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Eagle Bancorp Montana, Inc?
Eagle Bancorp Montana, Inc (EBMT) scores 26 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.