EBMT · Eagle Bancorp Montana, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $1.26M | - | - | - | $1.29M | - | - | - | $1.29M | - |
| Operating Income | $5.09M | - | $4.96M | $3.99M | $3.87M | - | $3.24M | $2.18M | $2.27M | - |
| Interest Expense | - | - | - | - | - | - | - | - | $9.73M | - |
| Income Tax | $1.11M | - | $1.33M | $751.0K | $631.0K | - | $529.0K | $444.0K | $370.0K | - |
| Net Income | $3.98M | - | $3.63M | $3.24M | $3.24M | - | $2.71M | $1.74M | $1.90M | - |
| EPS - Basic | $0.51 | - | $0.47 | $0.42 | $0.41 | - | $0.35 | $0.22 | $0.24 | - |
| EPS - Diluted | $0.51 | - | $0.46 | $0.41 | $0.41 | - | $0.34 | $0.22 | $0.24 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $53.73M | $62.96M | $29.52M | $26.93M | $22.80M | $31.56M | $42.19M | $23.76M | $20.92M | $24.55M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $2.09B | $2.11B | $2.12B | $2.14B | $2.09B | $2.10B | $2.15B | $2.10B | $2.08B | $2.08B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $44.48M | $44.45M | $59.26M | $59.22M | $59.19M | $59.15M | $59.11M | $59.07M | $59.04M | $59.00M |
| Total Liabilities | $1.90B | $1.91B | $1.93B | $1.96B | $1.91B | $1.93B | $1.97B | $1.93B | $1.91B | $1.91B |
| Stockholders' Equity | $192.96M | $191.81M | $186.49M | $180.64M | $177.57M | $174.76M | $177.73M | $170.16M | $168.95M | $169.27M |
| Retained Earnings | $114.35M | $111.52M | $107.95M | $105.47M | $103.37M | $101.26M | $98.98M | $97.41M | $96.80M | $96.02M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | ($4.72M) | - | - | - | $1.88M | - | - | - | $7.12M | - |
| Investing Cash Flow | $3.53M | - | - | - | ($1.51M) | - | - | - | ($11.83M) | - |
| Financing Cash Flow | ($8.03M) | - | - | - | ($9.13M) | - | - | - | $1.08M | - |
| CapEx | $461.0K | - | - | - | $1.62M | - | - | - | $4.78M | - |
| Free Cash Flow | ($5.18M) | - | - | - | $262.0K | - | - | - | $2.34M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | -1.30 | - | - | - | 0.08 | - | - | - | 1.23 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 21.8% | - | 26.8% | 18.8% | 16.3% | - | 16.3% | 20.3% | 16.3% | - |
| Return on assets | 0.2% | - | 0.2% | 0.2% | 0.2% | - | 0.1% | 0.1% | 0.1% | - |
| Return on equity | 2.1% | - | 1.9% | 1.8% | 1.8% | - | 1.5% | 1.0% | 1.1% | - |
| Return on invested capital | 1.7% | - | 1.5% | 1.3% | 1.4% | - | 1.1% | 0.8% | 0.8% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 0.23 | 0.23 | 0.32 | 0.33 | 0.33 | 0.34 | 0.33 | 0.35 | 0.35 | 0.35 |
| Debt / Assets | 0.02 | 0.02 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 |
| Debt / EBITDA | 7.00 | - | - | - | 11.48 | - | - | - | 16.60 | - |
| Interest coverage | - | - | - | - | - | - | - | - | 0.2x | - |
| Equity multiplier | 10.84 | 10.98 | 11.37 | 11.83 | 11.76 | 12.03 | 12.07 | 12.34 | 12.29 | 12.26 |
| Liabilities / Assets | 0.91 | 0.91 | 0.91 | 0.92 | 0.91 | 0.92 | 0.92 | 0.92 | 0.92 | 0.92 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 40.4x | - | 37.5x | 40.7x | 40.9x | - | 46.4x | 60.3x | 53.5x | - |
| P / B | 0.8x | - | 0.7x | 0.7x | 0.7x | - | 0.7x | 0.6x | 0.6x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | 24.0x | - | - | - | 32.5x | - | - | - | 39.0x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 31.6% | - | 53.1% | 82.8% | 70.6% | - | 2.5% | -7.5% | -47.1% | - |
| Net income growth (YoY) | 23.0% | - | 34.0% | 86.2% | 70.7% | - | 2.8% | -13.7% | -41.5% | - |
| EPS growth (YoY) | 24.4% | - | 35.3% | 86.4% | 70.8% | - | 0.0% | -15.4% | -42.9% | - |
| EPS CAGR (3y) | 6.7% | - | 4.8% | 19.5% | 6.4% | - | -22.5% | -17.4% | -32.5% | - |
| EPS CAGR (5y) | -8.1% | - | -13.3% | -13.4% | -6.4% | - | -11.6% | -15.5% | 5.9% | - |
| FCF growth (YoY) | - | - | - | - | -88.8% | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | 8.7% | 9.8% | 4.9% | 6.2% | 5.1% | 3.2% | 13.0% | 4.6% | 3.6% | 6.9% |
Peer comparison
Same SIC group: State Commercial Banks
Comparing Eagle Bancorp Montana against the 5 most active filers in the same SIC group.
Dividends
$0.58/share trailing 12 months · +1.4% YoY
| Ex-date | Per share |
|---|---|
| May 15, 2026 | $0.1450 |
| Feb 13, 2026 | $0.1450 |
| Nov 14, 2025 | $0.1450 |
| Aug 15, 2025 | $0.1450 |
| May 16, 2025 | $0.1430 |
| Feb 14, 2025 | $0.1430 |
| Nov 15, 2024 | $0.1430 |
| Aug 16, 2024 | $0.1430 |
| May 16, 2024 | $0.1400 |
| Feb 8, 2024 | $0.1400 |
| Nov 9, 2023 | $0.1400 |
| Aug 10, 2023 | $0.1400 |
| May 11, 2023 | $0.1380 |
| Feb 9, 2023 | $0.1380 |
| Nov 9, 2022 | $0.1380 |
| Aug 11, 2022 | $0.1380 |
| May 12, 2022 | $0.1250 |
| Feb 10, 2022 | $0.1250 |
| Nov 10, 2021 | $0.1250 |
| Aug 12, 2021 | $0.1250 |
| May 13, 2021 | $0.0980 |
| Feb 11, 2021 | $0.0980 |
| Nov 12, 2020 | $0.0980 |
| Aug 13, 2020 | $0.0980 |