Saturday 17 October 2026 Export EBMT’s income statement to Excel — free account

Eagle Bancorp Montana, Inc.

Eagle Bancorp Montana, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $127.1 million, up 4.18% from fiscal 2024. In the quarter to June 2026, revenue fell 1.03%, EPS grew 11.9%, free cash flow fell 301.0% and total debt fell 45.9%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three; insiders bought in the last twelve months.

20.97 0.29 +1.40%

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Market cap: $164.7M
P/E: 10.2×
Fwd P/E: 11.3×
Dividend yield: 2.78%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.01

Total sells 0.72

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	1	—	—	—	—	—	—	—	—	—	—	—
Sell	1	—	—	4	—	—	1	—	—	—	—	—

Insider Ownership 5.85%

Capital & Financial Ratios $m

Market Cap 164.72

Revenue 127.77

Net Income 16.06

Free Cash Flow 18.89

Net Debt 67.65

Current Ratio 0.87

Debt/Equity 0.49

P/E ratio 10.18

Fwd P/E 11.30

P/S ratio 1.28

P/B ratio 0.83

Past 5Y EPS Growth (9.39%)

This Y EPS Growth 7.19%

Next Y EPS Growth 5.89%

Next Y revenue growth (39.26%)

Next 5Y EPS Growth 19.82%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 27.98%

10-year low 10-year high

P/S against its own 10 years 28.64%

10-year low 10-year high

P/B against its own 10 years 33.25%

10-year low 10-year high

Dividends

Payout Ratio 0.29

Annual Dividend Rate 0.58

Annual Dividend Yield 2.78%

	total	individual payouts
2027	Powerpack
2026	0.60	0.15 0.15 0.15
2025	0.58	0.14 0.14 0.15 0.15
2024	0.57	0.14 0.14 0.14 0.14
2023	0.56	0.14 0.14 0.14 0.14
2022	0.53	0.13 0.13 0.14 0.14
2021	0.45	0.10 0.10 0.13 0.13
2020	0.39	0.10 0.10 0.10 0.10
2019	0.38	0.09 0.09 0.10 0.10
2018	0.37	0.09 0.09 0.09 0.09
2017	0.34	0.08 0.08 0.09 0.09
2016	0.32	0.08 0.08 0.08 0.08

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	25	32	63	29
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	1,517	1,562	1,587	1,600

	2023	2024	2025	Q'26
Payables	1,635	1,681	1,782	1,790
ST’ Debt	—	—	—	—
Other	—	—	—	—
	1,672	1,728	1,832	1,832

Compound Annual Growth %

	10y	5y	3y
Sales	14.71%	5.18%	9.92%
Cash Flow	21.10%	73.32%	(7.54%)
Earnings	19.12%	(6.90%)	11.50%
Book Value	13.21%	4.63%	6.58%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	31	32	—	—	—
’25	30	32	33	32	127
’24	29	30	32	31	122
’23	25	28	30	30	114
’22	20	24	26	25	96
’21	25	23	26	21	96
’20	21	26	27	25	99

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	(5)	(2)	—	—	—
’25	2	2	9	21	33
’24	7	3	3	16	29
’23	(1)	(8)	6	12	9
’22	6	11	(1)	26	42
’21	4	7	22	24	56
’20	4	(21)	21	(2)	2

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	(5)	(3)	—	—	—
’25	0	1	7	20	29
’24	2	1	(1)	12	15
’23	(5)	(10)	1	10	(4)
’22	3	7	(4)	21	27
’21	0	3	21	22	46
’20	(8)	(23)	19	(7)	(18)

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.51	0.47	—	—	—
’25	0.41	0.41	0.46	0.60	1.90
’24	0.24	0.22	0.34	0.44	1.24
’23	0.42	0.26	0.34	0.28	1.29
’22	0.32	0.24	0.40	0.47	1.45
’21	0.78	0.39	0.73	0.26	2.17
’20	0.57	0.84	0.94	0.76	3.11

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	11.15	17.35	14.20	15.53	11.74	20.00	16.00	11.26	12.32	14.35	Analyst estimates 2026–2028 Powerpack
	High	24.00	22.32	21.75	22.59	22.98	26.13	24.74	18.37	17.65	20.22
People
People	Employees	200	207	249	298	354	370	428	407	382	385
	Revenue/emp, $m	0.20	0.20	0.19	0.24	0.28	0.26	0.22	0.28	0.32	0.33
Income, $m
Income, $m	Revenue	40	42	47	70	99	96	96	114	122	127
	Gross margin, %	92.19	90.30	89.14	89.02	93.43	96.66	93.57	74.52	66.58	72.05
	EBT	7	6	6	14	28	19	14	12	11	19
	EBT margin, %	17.37	14.77	12.55	19.85	28.81	20.10	14.47	10.19	9.34	14.87
	Net income	5	4	5	11	21	14	11	10	10	15
	Depreciation	5	4	4	6	9	8	9	9	10	10
Per share, $
Per share, $	Revenue	10.54	10.36	8.65	10.96	14.53	14.42	12.97	14.67	15.56	16.29
	Earnings	1.36	1.01	0.92	1.69	3.12	2.17	1.45	1.29	1.25	1.90
	Cash flow	3.41	4.92	2.50	0.06	0.31	8.48	5.68	1.20	3.64	4.25
	Capex	(0.50)	(0.80)	(1.21)	(1.17)	(3.03)	(1.61)	(2.09)	(1.69)	(1.79)	(0.59)
	Free cash flow	2.91	4.13	1.29	(1.12)	(2.72)	6.88	3.60	(0.49)	1.85	3.65
	Book value	15.71	20.52	17.47	18.95	22.51	23.55	21.48	21.72	22.29	24.59
	Shares, m	4	4	5	6	7	7	7	8	8	8
Valuation, ×
Valuation, ×	P/E	15.79	19.66	18.13	12.66	6.80	10.59	11.55	12.38	12.26	10.42
	P/S	2.04	1.97	1.91	1.95	1.46	1.59	1.27	1.10	0.99	1.22
	P/B	1.37	1.00	0.94	1.13	0.94	0.98	0.77	0.74	0.69	0.81
	EV/Sales	4.30	4.35	4.37	3.21	1.23	1.32	2.39	2.94	2.37	1.38
	EV/FCF	15.58	10.92	29.38	(31.46)	(6.56)	2.76	8.60	(87.55)	19.88	6.13
Cash, $m
Cash, $m	Operating cash flow	13	20	14	0	2	56	42	9	29	33
	Capex	(2)	(3)	(7)	(8)	(21)	(11)	(15)	(13)	(14)	(5)
	Free cash flow	11	17	7	(7)	(18)	46	27	(4)	15	29
Balance, $m
Balance, $m	Working capital	(28)	1	0	7	(98)	(230)	(281)	(155)	(167)	(246)
	Total debt	97	108	127	113	47	35	128	235	200	82
	Net debt	90	100	116	88	(23)	(27)	106	210	169	20
	Shareholders’ equity	59	84	95	122	153	157	158	169	175	192
Returns, %
Returns, %	ROA	0.79	0.59	0.63	1.14	1.83	1.07	0.63	0.50	0.47	0.70
	ROIC	2.90	2.36	2.10	4.81	13.75	9.62	3.81	1.92	2.07	5.59
	ROE	8.93	5.74	5.58	10.05	15.45	9.31	6.79	6.14	5.68	8.09

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
BVFL BV Financial, Inc.	$184.2M	14.1×	—	−2.37% (below 0%: shrinking)	+48.28% (above 0%: growing)	+1.43% (above 0%: growing)	78.95%	0.00%	Compare
SBFG SB Financial Group, Inc.	$183.5M	11.0×	8.8×	+5.49% (above 0%: growing)	+20.00% (above 0%: growing)	+255.74% (above 0%: growing)	72.32%	0.00%	Compare
FNWD Finward Bancorp	$181.0M	18.3×	12.2×	+0.43% (above 0%: growing)	−2.00% (below 0%: shrinking)	+0.22% (above 0%: growing)	69.03%	0.00%	Compare
ECBK ECB Bancorp, Inc.	$173.4M	13.9×	—	+15.35% (above 0%: growing)	+127.78% (above 0%: growing)	+538.43% (above 0%: growing)	46.07%	0.00%	Compare
MNSB MainStreet Bank	$172.8M	11.8×	10.9×	−6.70% (below 0%: shrinking)	+9.43% (above 0%: growing)	+286.64% (above 0%: growing)	57.99%	0.00%	Compare
BAFN BayFirst Financial Corp.	$170.8M	— (loss-making)	—	−70.88% (below 0%: shrinking)	n/m	−99.45% (below 0%: shrinking)	27.34%	0.00%	Compare
HNVR Hanover Bancorp, Inc.	$170.6M	19.0×	11.2×	−2.10% (below 0%: shrinking)	+66.67% (above 0%: growing)	+972.77% (above 0%: growing)	56.13%	0.00%	Compare
EBMT Eagle Bancorp Montana, Inc.	$164.7M	10.2×	11.3×	−1.03% (below 0%: shrinking)	+11.90% (above 0%: growing)	−301.01% (below 0%: shrinking)	76.37%	0.00%
FINW FinWise Bancorp	$149.2M	10.5×	13.1×	+98.06% (above 0%: growing)	−48.39% (below 0%: shrinking)	−43.89% (below 0%: shrinking)	91.22%	0.00%	Compare
Median of peers	$173.1M	13.9×	11.2×	−0.83%	+20.00%	+128.59%	63.51%	0.00%

All 323 Banks Regional stocks →

Eagle Bancorp Montana, Inc. (EBMT) key facts

Strength: Eagle Bancorp Montana, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $127.1 million, up 4.18% from fiscal 2024.
Eagle Bancorp Montana, Inc. (EBMT) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, EBMT traded at $20.97, a market capitalization of $164.7 million.
Eagle Bancorp Montana, Inc. pays an annual dividend of $0.58 per share, a yield of 2.78%, with a payout ratio of 28.6%.
Return on equity was 8.09% and debt-to-equity 0.49.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.