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EBMT

Eagle Bancorp Montana, Inc.

EBMT

Eagle Bancorp Montana, Inc. • NASDAQ
$16.60 ▼ -0.06% (-0.01)
Market Cap $132.01 M
52w High $18.49
52w Low $14.35
Dividend Yield 0.57%
P/E 9.65
Volume 6.66K
Outstanding Shares 7.95M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $32.169M ▲ $18.005M ▲ $3.63M ▲ 11.284% ▲ $0.47 ▲ $7.151M ▲
Q2-2025 $31.603M ▲ $17.572M ▲ $3.237M ▼ 10.243% ▼ $0.42 ▲ $6.269M ▲
Q1-2025 $29.713M ▼ $16.634M ▼ $3.239M ▼ 10.901% ▼ $0.41 ▼ $5.961M ▲
Q4-2024 $30.887M ▼ $17.324M ▲ $3.433M ▲ 11.115% ▲ $0.44 ▲ $5.923M ▲
Q3-2024 $31.358M $16.885M $2.709M 8.639% $0.35 $5.496M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $289.624M ▲ $2.12B ▼ $1.933B ▼ $186.486M ▲
Q2-2025 $140.249M ▼ $2.138B ▲ $1.957B ▲ $180.638M ▲
Q1-2025 $142.076M ▼ $2.088B ▼ $1.911B ▼ $177.573M ▲
Q4-2024 $150.937M ▼ $2.103B ▼ $1.928B ▼ $174.765M ▼
Q3-2024 $349.171M $2.145B $1.967B $177.73M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $3.63M ▲ $8.957M ▲ $20.769M ▲ $-27.139M ▼ $2.587M ▼ $7.09M ▲
Q2-2025 $3.237M ▼ $1.747M ▼ $-38.497M ▼ $40.873M ▲ $4.123M ▲ $1.388M ▲
Q1-2025 $3.239M ▼ $1.884M ▼ $-1.506M ▼ $-9.132M ▲ $-8.754M ▲ $262K ▼
Q4-2024 $3.433M ▲ $15.562M ▲ $22.896M ▲ $-49.088M ▼ $-10.63M ▼ $12.239M ▲
Q3-2024 $2.709M $2.591M $-18.785M $34.621M $18.427M $-749K

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Bank Servicing
Bank Servicing
 $10.00M ▲$0 ▼$0 ▲$0 ▲
Debit Card
Debit Card
 $0 ▲$0 ▲$0 ▲$0 ▲
Deposit Account
Deposit Account
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Eagle Bancorp Montana has grown its revenue gradually over the past few years, but profits have moved in the opposite direction. Earnings per share have come down meaningfully from earlier highs and have edged lower almost every year. This suggests that while the bank is doing more business overall, it is earning less on each dollar of revenue than it used to. Likely drivers include higher funding costs, pressure on lending margins, and added operating expenses tied to growth and acquisitions. Overall, the income statement shows a solid but lower‑margin franchise, with profitability under pressure even as the bank scales up.

Balance Sheet

Balance Sheet The balance sheet has expanded significantly, with total assets rising over the period, reflecting loan growth and acquisitions. Equity has increased at a steady, measured pace, which indicates the bank is building capital as it grows, but not excessively. At the same time, the bank is making more use of borrowings than it did a few years ago, so leverage has risen from very conservative to more typical regional‑bank levels. Cash balances are lower than they were early in the period, which is common when a bank puts more funds to work in loans and securities. Overall, the balance sheet looks larger and more complex, with a bit more reliance on debt and somewhat thinner on‑hand liquidity than before, but still anchored by a growing capital base.

Cash Flow

Cash Flow Cash generation has been positive but uneven. Operating cash flow has fluctuated from year to year, which is typical in banking as loan growth, deposit shifts, and securities activities move around. Free cash flow has generally been slightly positive after investment needs, but with only a small cushion. Capital spending itself appears modest, suggesting the bank is not heavily tied up in physical expansion projects. In practical terms, the bank seems capable of funding its ongoing operations and modest investments from internal cash, but it does not appear to have a large excess cash engine; most available resources are being recycled back into the franchise.

Competitive Edge

Competitive Edge Eagle Bancorp Montana operates as a classic community and regional bank with deep roots in Montana, rather than as a national or tech‑driven player. Its main edge comes from local knowledge, especially in agriculture and small business banking, and from long‑standing relationships with customers who value local decision‑making and personal service. The bank has strengthened its footprint through acquisitions, building a meaningful presence in key Montana markets and becoming an important lender to farmers, ranchers, and local businesses. This gives it a solid niche position in its home state. On the other hand, it remains small compared with national and super‑regional banks, and it competes in a space where products are fairly similar and pricing can be tight. Its advantage is strongest close to home and weaker outside its core geography, leaving it exposed to the health of the Montana economy and the agricultural cycle.

Innovation and R&D

Innovation and R&D The company is not a heavy traditional R&D spender, but it has been investing in technology and product refinement. Recent work has focused on a major digital banking upgrade, including a unified online and mobile platform, better business cash‑management tools, and stronger security through features like two‑factor authentication. These steps help narrow the gap with larger banks and meet customers’ expectations for convenience, but they are more about catching up and consolidating than leading the industry. Where the bank is more innovative is in how it tailors its offerings to local needs—especially specialized agricultural lending and advisory‑style support for local businesses. Future upside depends on whether it can build on this base with more distinctive digital features or data‑driven services rather than just maintaining parity with peers.

Summary

Overall, Eagle Bancorp Montana looks like a growing regional community bank that has traded some profitability for scale and a broader footprint. The income statement shows modest revenue growth but thinner margins and lower earnings per share than in the past. The balance sheet has become larger and somewhat more leveraged, with more borrowings and less idle cash, though capital has grown in step with the franchise. Cash flow is positive but not abundant, suggesting a business that largely reinvests what it earns. Competitively, the bank’s strength lies in its local focus, agricultural expertise, and community ties, all supported by incremental digital improvements. Key uncertainties include its ability to restore stronger profitability, manage credit risk in its concentrated regional and agricultural base, and continue integrating acquisitions while keeping costs under control. The story is one of a locally entrenched bank balancing growth ambitions with the realities of a competitive, margin‑pressured regional banking environment.