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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. 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%
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%) (below 0%: weak)
This Y EPS Growth 7.19%
Next Y EPS Growth 5.89%
Next Y revenue growth (39.26%) (below 0%: weak)
Next 5Y EPS Growth 19.82% (at or above 15%: strong)

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.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Source: company filings (standardised) and stockrow calculations.

Eagle Bancorp Montana, Inc. (EBMT) Latest News

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stockrow.com/EBMT · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com