Saturday 17 October 2026
Export EBMT’s income statement to Excel — free account
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. 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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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
10.42 | 12.26 | 12.38 | 11.55 | 10.59 | 6.80 | 12.66 | 18.13 | 19.66 | 15.79 |
Piotroski F-Score |
8 | 5 | 4 | 4 | 6 | 6 | 6 | 4 | 4 | 7 |
P/S ratio |
1.22 | 0.99 | 1.10 | 1.27 | 1.59 | 1.46 | 1.95 | 1.91 | 1.97 | 2.04 |
P/FCF ratio |
5.45 | 8.28 | 0.00 | 4.59 | 3.34 | 0.00 | 0.00 | 12.81 | 4.96 | 7.39 |
P/Operating CF |
7.56 | 7.72 | 10.29 | 4.64 | 6.47 | (90.80) | 34.37 | 20.09 | 31.81 | 21.59 |
P/B ratio |
0.81 | 0.69 | 0.74 | 0.77 | 0.98 | 0.94 | 1.13 | 0.94 | 1.00 | 1.37 |
Price to Tangible BV |
1.01 | 0.89 | 0.98 | 1.05 | 1.14 | 1.11 | 1.33 | 1.10 | 1.09 | 1.56 |
EV/Sales |
1.38 | 2.37 | 2.94 | 2.39 | 1.32 | 1.23 | 3.21 | 4.37 | 4.35 | 4.30 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
5.28 | 10.12 | 35.91 | 5.45 | 2.24 | 57.25 | 616.66 | 15.14 | 9.16 | 13.30 |
EV/FCF |
6.13 | 19.88 | (87.55) | 8.60 | 2.76 | (6.56) | (31.46) | 29.38 | 10.92 | 15.58 |
Quick Ratio |
0.03 | 0.02 | 0.01 | 0.01 | 0.05 | 0.07 | 0.03 | 0.02 | 0.01 | 0.01 |
Current Ratio |
0.87 | 0.90 | 0.91 | 0.83 | 0.82 | 0.91 | 1.01 | 1.00 | 1.00 | 0.95 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
3.92% | 9.51% | 11.31% | 6.58% | 2.43% | 3.73% | 10.75% | 14.88% | 15.04% | 14.45% |
Debt/Equity |
0.43 | 1.14 | 1.39 | 0.81 | 0.22 | 0.31 | 0.93 | 1.34 | 1.29 | 1.64 |
Asset Turnover |
0.06 | 0.06 | 0.06 | 0.06 | 0.07 | 0.09 | 0.07 | 0.06 | 0.06 | 0.06 |
Operating CF/Net income |
2.23 | 2.92 | 0.93 | 3.92 | 3.92 | 0.10 | 0.03 | 2.72 | 4.89 | 2.51 |
Capex/Depreciation |
(0.48) | (1.41) | (1.47) | (1.68) | (1.28) | (2.33) | (1.35) | (1.49) | (0.80) | (0.41) |
| 8.09% | 5.68% | 6.14% | 6.79% | 9.31% | 15.45% | 10.05% | 5.58% | 5.74% | 8.93% | |
| 0.70% | 0.47% | 0.50% | 0.63% | 1.07% | 1.83% | 1.14% | 0.63% | 0.59% | 0.79% | |
ROIC |
5.59% | 2.07% | 1.92% | 3.81% | 9.62% | 13.75% | 4.81% | 2.10% | 2.36% | 2.90% |
Return on Tangible Assets |
(10.21%) | (14.65%) | (15.92%) | (5.37%) | (8.68%) | (52.25%) | 23.13% | 16.79% | 17.90% | (59.46%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
56.25% | 56.10% | 62.94% | 75.31% | 75.17% | 63.80% | 64.89% | 72.60% | 70.24% | 70.57% |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.86% | 0.71% | 0.59% | 1.02% | 1.07% | 0.69% | 1.03% | 1.27% | 0.00% | 0.00% |
Graham Net Nets |
(2.11) | (3.05) | (3.11) | (3.36) | (1.74) | (1.01) | (0.78) | (1.42) | (1.28) | (1.54) |
Graham Number |
32.50 | 25.04 | 25.21 | 26.29 | 33.91 | 39.75 | 26.84 | 18.91 | 21.92 | 21.93 |
Earnings Yield |
9.60% | 8.15% | 8.07% | 8.66% | 9.44% | 14.70% | 7.90% | 5.52% | 5.09% | 6.33% |
Free Cash Flow Yield |
18.36% | 12.08% | (3.06%) | 21.77% | 29.93% | (12.82%) | (5.22%) | 7.81% | 20.18% | 13.52% |
Revenue per Share |
16.29 | 15.56 | 14.67 | 12.97 | 14.42 | 14.53 | 10.96 | 8.65 | 10.36 | 10.54 |
Operating CF per Share |
4.25 | 3.64 | 1.20 | 5.68 | 8.48 | 0.31 | 0.06 | 2.50 | 4.92 | 3.41 |
Capex per Share |
(0.59) | (1.79) | (1.69) | (2.09) | (1.61) | (3.03) | (1.17) | (1.21) | (0.80) | (0.50) |
Free Cash Flow per Share |
3.65 | 1.85 | (0.49) | 3.60 | 6.88 | (2.72) | (1.12) | 1.29 | 4.13 | 2.91 |
Cash per Share |
8.07 | 4.03 | 3.15 | 2.96 | 9.23 | 10.27 | 3.88 | 2.06 | 1.83 | 1.93 |
Shareholders Equity per Share |
24.59 | 22.29 | 21.72 | 21.48 | 23.55 | 22.51 | 18.95 | 17.47 | 20.52 | 15.71 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
24.59 | 22.29 | 21.72 | 21.48 | 23.55 | 22.51 | 18.95 | 17.47 | 20.52 | 15.71 |
Free Cash Flow |
28.51 | 14.52 | (3.83) | 26.53 | 45.77 | (18.48) | (7.17) | 6.99 | 16.81 | 11.01 |
Working Capital |
(245.57) | (166.63) | (155.15) | (280.71) | (230.04) | (97.69) | 6.92 | 0.33 | 0.96 | (28.02) |
Capital Expenditures |
(4.62) | (14.02) | (13.18) | (15.38) | (10.69) | (20.60) | (7.54) | (6.58) | (3.24) | (1.89) |
Net Current Asset Value |
(328.04) | (366.71) | (389.88) | (408.94) | (265.55) | (145.01) | (106.86) | (126.77) | (106.82) | (125.41) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.04 | 0.11 | 0.12 | 0.16 | 0.11 | 0.21 | 0.11 | 0.14 | 0.08 | 0.05 |
Price to Operating Income |
8.22 | 10.55 | 10.77 | 7.55 | 7.63 | 5.04 | 8.49 | 12.67 | 11.98 | 11.74 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.10 | 0.10 | 0.10 | 0.11 | 0.13 | 0.16 | 0.14 | 0.15 | 0.18 | 0.24 |
Cash ROIC |
8.45% | 3.57% | (0.89%) | 8.60% | 18.09% | (6.85%) | (2.76%) | 3.00% | 8.46% | 6.70% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.02 | 0.02 | 0.02 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
18,310.63 | 15,050.36 | 20,483.43 | 97,052.73 | 139,142.62 | 58,154.73 | 38,219.32 | 44,828.11 | 46,410.81 | 60,028.92 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
1,731.41 | 1,658.21 | 1,635.23 | 1,428.91 | 1,127.82 | 921.04 | 717.80 | 573.59 | 516.68 | 497.99 |
Average Assets |
2,104.73 | 2,089.38 | 2,012.03 | 1,692.16 | 1,346.78 | 1,155.95 | 954.08 | 785.34 | 695.35 | 652.14 |
Average Common Equity |
183.29 | 172.02 | 163.84 | 157.57 | 154.83 | 137.30 | 108.23 | 89.21 | 71.54 | 57.45 |
Columns are period end dates