Eagle Bancorp Financials
Eagle Bancorp (EBMT) reported $108.4M in revenue for fiscal year 2025, up 4.0% from the prior fiscal year. 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).
Eagle Bancorp Montana is extracting more profit from a steady asset base while using cash generation to reduce leverage.
The latest year's earnings rebound looks higher quality than the earlier dip because operating cash flow reached$33.1M against$14.8M of net income. Cash also rose to$63.0M while long-term debt fell to$44.5M , suggesting profit is being converted into liquidity rather than being supported by added borrowing.
Total assets stayed near
Expense structure helped the recovery: revenue reached
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'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.
Not available for Eagle Bancorp, and counted as zero in the overall score.
Eagle Bancorp 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 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 generated $108.4M in revenue in fiscal year 2025. This represents an increase of 4.0% from the prior year.
Eagle Bancorp reported $14.8M in net income in fiscal year 2025. This represents an increase of 51.7% from the prior year.
Eagle Bancorp earned $1.90 per diluted share (EPS) in fiscal year 2025. This represents an increase of 53.2% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Eagle Bancorp generated $28.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 96.0% from the prior year.
Eagle Bancorp held $63.0M in cash against $44.5M in long-term debt as of fiscal year 2025.
Eagle Bancorp paid $0.57 per share in dividends in fiscal year 2025. This represents an increase of 1.8% from the prior year.
Margins & Returns
Eagle Bancorp's net profit margin was 13.7% in fiscal year 2025, showing the share of revenue converted to profit. This is up 4.3 percentage points from the prior year.
Eagle Bancorp's ROE was 7.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.1 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Eagle Bancorp spent $1.6M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 275.4% from the prior year.
Eagle Bancorp invested $4.8M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 66.0% from the prior year.
Not reported for fiscal year 2025.
EBMT Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $108.0M | $108.4M+4.0% | $104.2M+13.7% | $91.6M+31.9% | $69.5M+39.6% | $49.7M+0.2% | $49.7M+6.8% | $46.5M+33.5% | $34.8M+25.1% | $27.9M+16.5% | $23.9M+16.8% | $20.5M+18.4% | $17.3M+16.8% | $14.8M+5.0% | $14.1M-5.8% | $15.0M |
| SG&A Expenses | $44.6M | $42.4M+6.7% | $39.7M-7.6% | $43.0M-3.5% | $44.5M-8.7% | $48.8M+25.6% | $38.8M+40.5% | $27.6M+32.2% | $20.9M+16.9% | $17.9M+9.8% | $16.3M+13.5% | $14.3M+11.9% | $12.8M+24.0% | $10.3M+103.9% | $5.1M+2.5% | $4.9M |
| Interest Expense | $32.3M | $35.5M-12.9% | $40.8M+39.9% | $29.1M+373.8% | $6.2M+91.8% | $3.2M-50.5% | $6.5M-16.1% | $7.7M+51.4% | $5.1M+24.6% | $4.1M+31.3% | $3.1M+27.0% | $2.5M+20.0% | $2.0M-9.0% | $2.2M-29.0% | $3.2M-22.5% | $4.1M |
| Income Tax | $4.9M | $4.1M+151.7% | $1.6M+0.9% | $1.6M-49.2% | $3.1M-35.3% | $4.9M-32.8% | $7.2M+133.7% | $3.1M+238.7% | $914K-57.0% | $2.1M+18.3% | $1.8M+1003.7% | $163K+146.6% | -$350K+46.2% | -$650K-182.1% | $792K-25.0% | $1.1M |
| Net Income | $16.1M | $14.8M+51.7% | $9.8M-2.8% | $10.1M-6.0% | $10.7M-25.8% | $14.4M-32.0% | $21.2M+95.1% | $10.9M+118.2% | $5.0M+21.4% | $4.1M-20.1% | $5.1M+98.9% | $2.6M+22.2% | $2.1M+7.0% | $2.0M-9.4% | $2.2M-9.6% | $2.4M |
| EPS (Diluted) | — | $1.90+53.2% | $1.24-3.9% | $1.29-11.0% | $1.45-33.2% | $2.17-30.2% | $3.11+84.0% | $1.69+85.7% | $0.91-8.1% | $0.99-25.0% | $1.32+97.0% | $0.67+26.4% | $0.53+6.0% | $0.50-10.7% | $0.56-9.7% | $0.62 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
EBMT Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.1B+0.2% | $2.1B+1.3% | $2.1B+6.5% | $1.9B+35.7% | $1.4B+14.2% | $1.3B+19.3% | $1.1B+23.5% | $853.9M+19.1% | $716.8M+6.4% | $673.9M+6.9% | $630.3M+16.9% | $539.1M+5.6% | $510.5M+56.0% | $327.3M-1.1% | $331.1M |
| Cash & Equivalents | $63.0M+99.5% | $31.6M+28.6% | $24.5M+12.5% | $21.8M-64.5% | $61.4M-12.0% | $69.8M+180.1% | $24.9M+122.5% | $11.2M+50.6% | $7.4M+1.6% | $7.3M-1.6% | $7.4M+9.1% | $6.8M+10.7% | $6.2M-68.9% | $19.8M+107.7% | $9.5M |
| Goodwill | $34.7M0.0% | $34.7M0.0% | $34.7M0.0% | $34.7M+67.0% | $20.8M0.0% | $20.8M+31.3% | $15.8M+30.6% | $12.1M+72.4% | $7.0M0.0% | $7.0M0.0% | $7.0M0.0% | $7.0M+2.1% | $6.9M | N/A | N/A |
| Total Liabilities | $1.9B-0.7% | $1.9B+1.2% | $1.9B+6.5% | $1.8B+39.9% | $1.3B+15.8% | $1.1B+18.5% | $932.6M+22.9% | $759.1M+19.9% | $633.2M+3.0% | $614.5M+6.9% | $574.9M+18.0% | $487.4M+5.7% | $461.3M+68.6% | $273.6M-1.8% | $278.6M |
| Long-Term Debt | $44.5M-24.9% | $59.1M+0.3% | $59.0M+0.3% | $58.8M+97.0% | $29.9M+0.3% | $29.8M+19.4% | $24.9M+0.3% | $24.9M+0.3% | $24.8M+65.7% | $15.0M | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $191.8M+9.8% | $174.8M+3.2% | $169.3M+6.9% | $158.4M+1.1% | $156.7M+2.5% | $152.9M+25.7% | $121.7M+28.3% | $94.8M+13.4% | $83.6M+40.6% | $59.5M+7.2% | $55.5M+7.2% | $51.7M+5.0% | $49.2M-8.2% | $53.6M+2.2% | $52.5M |
| Retained Earnings | $111.5M+10.1% | $101.3M+5.5% | $96.0M+4.3% | $92.0M+7.8% | $85.4M+15.4% | $74.0M+33.6% | $55.4M+18.0% | $46.9M+6.8% | $43.9M+6.5% | $41.2M+10.6% | $37.3M+7.1% | $34.8M+2.9% | $33.8M+2.6% | $33.0M+3.4% | $31.9M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, 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.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $22.7M | $33.1M+16.1% | $28.5M+205.4% | $9.3M-77.7% | $41.9M-25.8% | $56.5M+2565.4% | $2.1M+478.7% | $366K-97.3% | $13.6M-32.3% | $20.1M+55.5% | $12.9M+164.0% | $4.9M-49.1% | $9.6M+239.6% | -$6.9M-344.4% | -$1.5M-113.5% | $11.5M |
| Capital Expenditures | $4.0M | $4.8M-66.0% | $14.1M-0.8% | $14.2M-15.4% | $16.8M+37.2% | $12.2M-40.8% | $20.6M+95.8% | $10.5M+49.3% | $7.1M+99.8% | $3.5M+57.3% | $2.2M+256.7% | $630K-72.8% | $2.3M+66.8% | $1.4M+718.2% | $170K-84.9% | $1.1M |
| Free Cash Flow | $18.7M | $28.3M+96.0% | $14.5M+398.6% | -$4.8M-119.3% | $25.1M-43.1% | $44.2M+338.9% | -$18.5M-82.0% | -$10.2M-256.4% | $6.5M-60.6% | $16.5M+55.2% | $10.6M+150.3% | $4.3M-41.5% | $7.3M+188.0% | -$8.3M-381.4% | -$1.7M-116.6% | $10.4M |
| Investing Cash Flow | $14.4M | $22.0M+179.0% | -$27.8M+74.3% | -$108.2M+54.0% | -$235.0M-0.9% | -$232.9M-957.1% | -$22.0M+63.1% | -$59.7M-17.2% | -$50.9M+10.3% | -$56.8M-11.1% | -$51.1M | N/A | N/A | N/A | $20.7M+378.6% | -$7.4M |
| Financing Cash Flow | -$35.1M | -$23.7M-477.7% | $6.3M-93.8% | $101.6M-33.8% | $153.5M-8.7% | $168.1M+159.4% | $64.8M-11.3% | $73.1M+77.7% | $41.1M+11.5% | $36.9M-3.3% | $38.1M | N/A | N/A | N/A | -$8.9M-550.6% | $2.0M |
| Dividends Paid | $4.6M | $4.6M+0.9% | $4.5M+2.1% | $4.4M+9.4% | $4.1M+34.6% | $3.0M+15.4% | $2.6M+8.6% | $2.4M+20.7% | $2.0M+42.1% | $1.4M+17.7% | $1.2M+2.5% | $1.2M+2.5% | $1.1M+2.0% | $1.1M+0.7% | $1.1M-3.3% | $1.1M |
| Share Buybacks | $410K | $1.6M+275.4% | $419K+81.4% | $231K-94.8% | $4.4M-29.4% | $6.3M+536.2% | $987K-18.4% | $1.2M | N/A | N/A | N/A | $1.3M | N/A | N/A | $414K-76.9% | $1.8M |
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
EBMT Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 13.7%+4.3pp | 9.4%-1.6pp | 11.0%-4.4pp | 15.4%-13.6pp | 29.0%-13.7pp | 42.7%+19.3pp | 23.4%+9.1pp | 14.3%-0.4pp | 14.7%-6.7pp | 21.5%+8.9pp | 12.6%+0.4pp | 12.2%-1.1pp | 13.3%-2.1pp | 15.4%-0.7pp | 16.1% |
| Return on Equity | 7.7%+2.1pp | 5.6%-0.4pp | 5.9%-0.8pp | 6.8%-2.4pp | 9.2%-4.7pp | 13.9%+4.9pp | 8.9%+3.7pp | 5.3%+0.3pp | 4.9%-3.7pp | 8.6%+4.0pp | 4.7%+0.6pp | 4.1%+0.1pp | 4.0%-0.1pp | 4.1%-0.5pp | 4.6% |
| Return on Assets | 0.7%+0.2pp | 0.5%0.0pp | 0.5%-0.1pp | 0.5%-0.5pp | 1.0%-0.7pp | 1.7%+0.7pp | 1.0%+0.5pp | 0.6%0.0pp | 0.6%-0.2pp | 0.8%+0.3pp | 0.4%0.0pp | 0.4%0.0pp | 0.4%-0.3pp | 0.7%-0.1pp | 0.7% |
| Debt-to-Equity | 0.23-0.1x | 0.340.0x | 0.350.0x | 0.37+0.2x | 0.190.0x | 0.190.0x | 0.20-0.1x | 0.260.0x | 0.300.0x | 0.25-10.1x | 10.37+0.9x | 9.43+0.1x | 9.37+4.3x | 5.10-0.2x | 5.31 |
| FCF Margin | 26.2%+12.3pp | 13.9%+19.2pp | -5.3%-41.5pp | 36.2%-52.7pp | 88.9%+126.2pp | -37.3%-15.4pp | -21.9%-40.6pp | 18.7%-40.6pp | 59.3%+14.8pp | 44.5%+23.7pp | 20.8%-21.3pp | 42.1%+98.0pp | -55.9%-43.7pp | -12.2%-81.5pp | 69.3% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Where Eagle Bancorp Ranks
Frequently Asked Questions
What is Eagle Bancorp's annual revenue?
Eagle Bancorp (EBMT) reported $108.4M in total revenue for fiscal year 2025. This represents a 4.0% 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's revenue growing?
Eagle Bancorp (EBMT) revenue grew by 4.0% year-over-year, from $104.2M to $108.4M in fiscal year 2025.
Is Eagle Bancorp profitable?
Yes, Eagle Bancorp (EBMT) reported a net income of $14.8M in fiscal year 2025, with a net profit margin of 13.7%.
How much debt does Eagle Bancorp have?
As of fiscal year 2025, Eagle Bancorp (EBMT) had $63.0M in cash and equivalents against $44.5M in long-term debt.
What is Eagle Bancorp's net profit margin?
Eagle Bancorp (EBMT) had a net profit margin of 13.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Eagle Bancorp pay dividends?
Yes, Eagle Bancorp (EBMT) paid $0.57 per share in dividends during fiscal year 2025.
What is Eagle Bancorp's return on equity (ROE)?
Eagle Bancorp (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's free cash flow?
Eagle Bancorp (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's operating cash flow?
Eagle Bancorp (EBMT) generated $33.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Eagle Bancorp's total assets?
Eagle Bancorp (EBMT) had $2.1B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Eagle Bancorp's capital expenditures?
Eagle Bancorp (EBMT) invested $4.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Eagle Bancorp's debt-to-equity ratio?
Eagle Bancorp (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's return on assets (ROA)?
Eagle Bancorp (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's Piotroski F-Score?
Eagle Bancorp (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's earnings high quality?
Eagle Bancorp (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?
Eagle Bancorp (EBMT) scores 24 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.