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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 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 item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 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 item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 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
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.91 | 1.48 | -0.48 | 2.35 | 3.07 | -0.87 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 21.5% | 14.2% | 13.7% | 22.7% | 25.2% | 25.4% |
| Return on assets | 0.7% | 0.5% | 0.5% | 0.5% | 1.0% | 1.7% |
| Return on equity | 7.7% | 5.6% | 5.9% | 6.8% | 9.2% | 13.9% |
| Return on invested capital | 6.3% | 4.2% | 4.4% | 4.9% | 7.7% | 11.6% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.23 | 0.34 | 0.35 | 0.37 | 0.19 | 0.19 |
| Debt / Assets | 0.02 | 0.03 | 0.03 | 0.03 | 0.02 | 0.02 |
| Debt / EBITDA | 1.84 | 3.57 | 3.78 | 3.38 | 1.35 | 0.96 |
| Interest coverage | - | - | 0.4x | 2.3x | 6.0x | 4.4x |
| Equity multiplier | 10.98 | 12.03 | 12.26 | 12.30 | 9.16 | 8.22 |
| Liabilities / Assets | 0.91 | 0.92 | 0.92 | 0.92 | 0.89 | 0.88 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 10.5x | 12.4x | 12.2x | 11.1x | 10.6x | 6.8x |
| P / B | 0.8x | 0.7x | 0.7x | 0.8x | 1.0x | 0.9x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 5.7x | 8.9x | 10.1x | 9.0x | 5.5x | 3.4x |
| 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
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 |