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Eagle Bancorp Montana, Inc.

EBMT Financial Banks Regional

Eagle Bancorp Montana, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $127.1 million, up 4.18% from fiscal 2024.

Revenue
+1.67%
EPS
−19.2%
Free cash flow
+45.7%
Total debt
−45.9%

Quarter to September 2026, against a year earlier

20.82 0.06 −0.29%
Market cap
$166.3M
P/E
10.6×
Fwd P/E
10.6×
Dividend yield
2.78%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 0.70
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — 4 — — 1 — — — — — —
Insider Ownership 5.92%

Capital & Financial Ratios $m

Size
Market Cap 166.32
Revenue ttm 128.32
Net income ttm 15.44
Free cash flow ttm 24.13
Net debt Q (24.86)
Valuation
P/E 10.62
Forward P/E 10.60
Price / sales 1.28
Forward P/S Powerpack
Price / FCF 8.07
Price / book 0.85
Financial health
Current ratio Q 0.00
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +1.67% (above 0%: growing)
Operating income growth Q −22.42% (below 0%: shrinking)
EPS, this year +2.28%
EPS, next year A +17.82% (at or above 15%: strong)
Revenue, next year A −38.02% (below 0%: weak)
EPS, past 5 yrs −9.39% (below 0%: weak)
EPS, next 5 yrs A +8.52%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 31.54%
10-year low 10-year high
P/S against its own 10 years 28.24%
10-year low 10-year high
P/B against its own 10 years 37.33%
10-year low 10-year high

Dividends raised every year since 2018

Yield
2.78%
Annual rate
0.58
Payout ratio
29.7%
Growth, 2018–26
+6.07%/yr
  1. 0.37 ’18
  2. 0.38 ’19 +3
  3. 0.39 ’20 +3
  4. 0.45 ’21 +16
  5. 0.53 ’22 +18
  6. 0.56 ’23 +6
  7. 0.57 ’24 +2
  8. 0.58 ’25 +2
  9. 0.59 ’26 +2
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 25 32 63 25
Receivables — — — —
Inventory — — — —
Other — — — —
1,517 1,562 1,587 —
2023 2024 2025 Q'26
Payables 1,635 1,681 1,782 1,802
ST’ Debt — — — —
Other — — — —
1,672 1,728 1,832 1,849

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%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.55 Actual 0.38

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.47 0.60 Beat by 0.13
Q1 FY26 0.45 0.51 Beat by 0.06
Q2 FY26 0.50 0.47 Miss by 0.03
Q3 FY26 0.55 0.38 Miss by 0.17
Q4 FY26 0.57 — Reports 26 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.51 0.47 0.38 — —
’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.

Revenue $m

Mar Jun Sep Dec Year
’26 31 32 33 — —
’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) 10 — —
’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) 10 — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 40 42 47 70 99 96 96 114 122 127 128 +13.7% 79 81 — (20.1%)
Gross margin, % 92.19 90.30 89.14 89.02 93.43 96.66 93.57 74.52 66.58 72.05 75.69 (20.1) pt
EBT 7 6 6 14 28 19 14 12 11 19 20 +11.8%
EBT margin, % 17.37 14.77 12.55 19.85 28.81 20.10 14.47 10.19 9.34 14.87 15.46 (2.5) pt
Net income 5 4 5 11 21 14 11 10 10 15 15 +12.5%
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 16.38 +5.0%
Earnings 1.36 1.01 0.92 1.69 3.12 2.17 1.45 1.29 1.25 1.90 1.97 +3.8%
Cash flow 3.41 4.92 2.50 0.06 0.31 8.48 5.68 1.20 3.64 4.25 3.08 +2.5%
Capex (0.50) (0.80) (1.21) (1.17) (3.03) (1.61) (2.09) (1.69) (1.79) (0.59) 0.00 +1.9%
Free cash flow 2.91 4.13 1.29 (1.12) (2.72) 6.88 3.60 (0.49) 1.85 3.65 3.08 +2.6%
Book value 15.71 20.52 17.47 18.95 22.51 23.55 21.48 21.72 22.29 24.59 24.53 +5.1%
Shares, m 4 4 5 6 7 7 7 8 8 8 8 +8.4%
Valuation, ×
Valuation, × P/E 15.79 19.66 18.13 12.66 6.80 10.59 11.55 12.38 12.26 10.42 10.62 13.0
P/S 2.04 1.97 1.91 1.95 1.46 1.59 1.27 1.10 0.99 1.22 1.28 1.6
P/B 1.37 1.00 0.94 1.13 0.94 0.98 0.77 0.74 0.69 0.81 0.85 0.9
EV/Sales 4.30 4.35 4.37 3.21 1.23 1.32 2.39 2.94 2.37 1.38 — 2.8
EV/FCF 15.58 10.92 29.38 (31.46) (6.56) 2.76 8.60 (87.55) 19.88 6.13 — (3.2)
Cash, $m
Cash, $m Operating cash flow 13 20 14 0 2 56 42 9 29 33 24 +11.1%
Capex (2) (3) (7) (8) (21) (11) (15) (13) (14) (5) (4) +10.5%
Free cash flow 11 17 7 (7) (18) 46 27 (4) 15 29 24 +11.2%
Balance, $m
Balance, $m Working capital (28) 1 0 7 (98) (230) (281) (155) (167) (246) (1,849) +27.3%
Net debt 90 100 116 88 (23) (27) 106 210 169 20 (25) (15.6%)
Shareholders’ equity 59 84 95 122 153 157 158 169 175 192 192 +13.9%
Returns, %
Returns, % ROA 0.79 0.59 0.63 1.14 1.83 1.07 0.63 0.50 0.47 0.70 0.70 (0.1) pt
ROIC 2.90 2.36 2.10 4.81 13.75 9.62 3.81 1.92 2.07 5.59 7.41 +2.7 pt
ROE 8.93 5.74 5.58 10.05 15.45 9.31 6.79 6.14 5.68 8.09 8.16 (0.8) pt
People
People Employees 200 207 249 298 354 370 428 407 382 385 — +7.5%
Revenue/emp, $m 0.20 0.20 0.19 0.24 0.28 0.26 0.22 0.28 0.32 0.33 — +5.8%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 4 Nov 2026

Eagle Bancorp Montana, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FGBI First Guaranty Bancshares, Inc. $196.0M — (loss-making) 20.6× −5.84% (below 0%: shrinking) n/m +17.37% (above 0%: growing) 45.46% 0.00% Compare
FNWD Finward Bancorp $188.2M 19.0× 16.5× +0.43% (above 0%: growing) −2.00% (below 0%: shrinking) +0.22% (above 0%: growing) 69.03% 0.00% Compare
FINW FinWise Bancorp $187.9M 13.5× 19.5× +98.06% (above 0%: growing) −48.39% (below 0%: shrinking) −43.89% (below 0%: shrinking) 91.22% 0.00% Compare
BVFL BV Financial, Inc. $183.1M 14.2× — −2.37% (below 0%: shrinking) +48.28% (above 0%: growing) +1.43% (above 0%: growing) 78.95% 0.00% Compare
BAFN BayFirst Financial Corp. $179.3M — (loss-making) — −70.88% (below 0%: shrinking) n/m −99.45% (below 0%: shrinking) 27.34% 0.00% Compare
SBFG SB Financial Group, Inc. $179.2M 10.7× 11.9× +9.21% (above 0%: growing) 0.00% −28.66% (below 0%: shrinking) 71.79% 0.00% Compare
EBMT Eagle Bancorp Montana, Inc. $166.3M 10.6× 10.6× +1.67% (above 0%: growing) −19.15% (below 0%: shrinking) +45.65% (above 0%: growing) 75.79% 0.00%
MNSB MainStreet Bank $154.1M 10.6× 10.7× −6.70% (below 0%: shrinking) +9.43% (above 0%: growing) +286.64% (above 0%: growing) 57.99% 0.00% Compare
HNVR Hanover Bancorp, Inc. $153.7M 17.0× 11.4× −2.10% (below 0%: shrinking) +66.67% (above 0%: growing) +972.77% (above 0%: growing) 56.13% 0.00% Compare
Median of peers $181.2M 13.8× 14.2× −2.24% +4.72% +0.83% 63.51% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 9 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 937.65k 991.32k 123.00
2024 572.27k 571.18k 95.00
2023 642.87k 656.96k 98.00

Ownership

Directors and executive officers, together 5.80%
The Vanguard Group, Inc. 5.34%
Brandes Investment Partners, L.P. 5.20%
Manulife Financial Corporation 5.10%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Eagle Bancorp Montana, Inc. (EBMT) Latest News

27 Oct

Impact 4 · · GlobeNewswire
Impact 3 · · Zacks
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30 Sep

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28 Jul

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28 Apr

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31 Jan

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5 Jan

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9 Dec

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1 Dec

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14 Nov

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30 Oct

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29 Oct

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28 Oct

Impact 3 · · GlobeNewswire

17 Oct

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13 Oct

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1 Oct

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26 Sep

Impact 3 · · Zacks

20 Sep

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15 Sep

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10 Sep

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2 Sep

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29 Aug

Impact 4 ·
stockrow.com/EBMT · Data as of Nov 4, 2026 · For information only; not investment advice. · © 2026 stockrow.com