CoverageForm 410-K10-Q8-K13D13G13F

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.

Price · EBMT

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue------
Cost of Revenue------
Gross Profit------
R&D------
SG&A------
Total Operating Expenses------
D&A$5.32M$5.17M$3.93M$3.58M$2.92M$2.44M
Operating Income$18.89M$11.39M$11.65M$13.85M$19.28M$28.44M
Interest Expense--$29.14M$6.15M$3.21M$6.48M
Income Tax$4.06M$1.61M$1.60M$3.15M$4.86M$7.23M
Net Income$14.84M$9.78M$10.06M$10.70M$14.42M$21.21M
EPS - Basic$1.90$1.25$1.29$1.45$2.17$3.12
EPS - Diluted$1.90$1.24$1.29$1.45$2.17$3.11

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash & Equivalents$62.96M$31.56M$24.55M$21.81M$61.43M$69.80M
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets------
Total Assets$2.11B$2.10B$2.08B$1.95B$1.44B$1.26B
Current Liabilities------
Long-term Debt$44.45M$59.15M$59.00M$58.84M$29.87M$29.79M
Total Liabilities$1.91B$1.93B$1.91B$1.79B$1.28B$1.10B
Stockholders' Equity$191.81M$174.76M$169.27M$158.42M$156.73M$152.94M
Retained Earnings$111.52M$101.26M$96.02M$92.02M$85.38M$73.98M

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Operating Cash Flow$33.13M$28.54M$9.35M$41.91M$56.45M$2.12M
Investing Cash Flow$21.96M($27.80M)($108.20M)($235.04M)($232.92M)($22.04M)
Financing Cash Flow($23.69M)$6.27M$101.59M$153.51M$168.10M$64.80M
CapEx$4.78M$14.08M$14.19M$16.76M$12.22M$20.64M
Free Cash Flow$28.34M$14.46M($4.84M)$25.15M$44.24M($18.52M)

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin------
EBITDA margin------
Net margin------
Free cash flow margin------
FCF / Net income1.911.48-0.482.353.07-0.87
R&D / Revenue------
SG&A / Revenue------
Effective tax rate21.5%14.2%13.7%22.7%25.2%25.4%
Return on assets0.7%0.5%0.5%0.5%1.0%1.7%
Return on equity7.7%5.6%5.9%6.8%9.2%13.9%
Return on invested capital6.3%4.2%4.4%4.9%7.7%11.6%
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity0.230.340.350.370.190.19
Debt / Assets0.020.030.030.030.020.02
Debt / EBITDA1.843.573.783.381.350.96
Interest coverage--0.4x2.3x6.0x4.4x
Equity multiplier10.9812.0312.2612.309.168.22
Liabilities / Assets0.910.920.920.920.890.88
Efficiency
Asset turnover------
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E10.5x12.4x12.2x11.1x10.6x6.8x
P / B0.8x0.7x0.7x0.8x1.0x0.9x
P / S------
EV / EBITDA5.7x8.9x10.1x9.0x5.5x3.4x
Growth
Revenue growth (YoY)------
Revenue CAGR (3y)------
Revenue CAGR (5y)------
Gross profit growth (YoY)------
Operating income growth (YoY)65.9%-2.3%-15.8%-28.2%-32.2%103.6%
Net income growth (YoY)51.7%-2.8%-6.0%-25.8%-32.0%95.1%
EPS growth (YoY)53.2%-3.9%-11.0%-33.2%-30.2%84.0%
EPS CAGR (3y)9.4%-17.0%-25.4%-5.0%33.6%46.5%
EPS CAGR (5y)-9.4%-6.0%7.2%7.9%10.5%35.9%
FCF growth (YoY)96.0%---43.1%--82.0%
FCF CAGR (5y)---21.9%33.0%-
Book value growth (YoY)9.8%3.2%6.9%1.1%2.5%25.7%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

6/9
Neutral
  • Net income positive
  • Operating cash flow positive
  • ROA improved YoY
  • Cash flow > net income
  • Long-term debt decreased
  • -Current ratio improved
  • No share dilution
  • -Gross margin improved
  • -Asset turnover improved

Peer comparison

Same SIC group: State Commercial Banks

CompanyRevenue (last FY)Net marginROE
ASB--9.5%
CZNC$5.98M392.0%6.9%
SBSI--8.2%
CBSH--14.9%
BUSE$719.58M18.8%5.5%

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-datePer 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