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EBMTEagle Bancorp Montana, Inc.
$23.56$188M
Overview & Verdict
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EBMT logoEagle Bancorp Montana, Inc.(EBMT)Earnings, Financials & Key Ratios

EBMT•NASDAQ•Banking & Credit
$23.56
12.4× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommunity and retail regional banks
AboutEagle Bancorp Montana, Inc. operates as the bank holding company for Opportunity Bank of Montana that provides various retail banking products and services to small businesses and individuals in Montana. It accepts various deposit products, such as checking, savings, money market, and individual retirement accounts, as well as certificates of deposit accounts. The company also provides 1-4 family residential mortgage loans, such as residential mortgages and construction of residential properties; commercial real estate loans, including multi-family dwellings, nonresidential property, commercial construction and development, and farmland loans; and second mortgage/home equity loans. In addition, it offers consumer loans, such as loans secured by collateral other than real estate, such as automobiles, recreational vehicles, and boats; personal loans and lines of credit; commercial business loans consisting of business loans and lines of credit on a secured and unsecured basis; construction loans; agricultural loans; and mortgage loan services. The company operates 23 full-service branches, 1 community banking office, and 25 automated teller machines. Eagle Bancorp Montana, Inc. was founded in 1922 and is headquartered in Helena, Montana.Show more
  • Net Interest Income$72M+15.8%
  • Total Revenue$126M+4.6%
  • Net Income$15M+51.7%
  • Return on Equity8.09%+42.4%
  • Net Interest Margin3.43%+15.6%
  • Efficiency Ratio55.87%-0.7%
  • ROA0.7%+50.6%
  • Equity / Assets9.11%+9.6%
  • Book Value per Share24.51+10.2%

EBMT Price & Volume

Eagle Bancorp Montana, Inc. (EBMT) stock price & volume — 10-year historical chart

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Stagnant Asset Base Masks Core Income Growth

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Mortgage Origination Volume Sensitivity

Key Thesis Takeaways

  • Eagle Bancorp Montana demonstrates a resilient core interest-earning capacity, with net interest income expanding from $15.0 million in 2023Q4 to $18.7 million by 2026Q1, despite a challenging regional environment.
  • However, the bank faces significant headwinds from a stagnant $2.1 billion asset base and high sensitivity to volatile mortgage banking revenues, which historically fluctuate between $3.8 million and $5.7 million.
  • Investors should monitor the bank's ability to stabilize operating cash flows, which recently swung from a $20.5 million inflow in 2025Q4 to a $4.7 million outflow in 2026Q1, as management continues to rely on securities liquidation to support liquidity.

Verdict Logic

while the stock trades at a P/B of 0.97 and offers a 2.5% dividend yield, the lack of asset growth and high volatility in operating cash flows suggest a cautious outlook until core profitability metrics improve beyond the current 2.1% ROE.

EBMT Growth Metrics

Eagle Bancorp Montana, Inc. (EBMT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years14.61%
5 Years6.87%
3 Years10.39%
TTM-

Profit CAGR

10 Years19.12%
5 Years-6.9%
3 Years11.5%
TTM40.12%

EPS CAGR

10 Years10.99%
5 Years-9.39%
3 Years9.43%
TTM40.43%

Return on Capital

10 Years4.5%
5 Years4.66%
3 Years2.56%
Last Year1.82%

EBMT Recent Earnings

Eagle Bancorp Montana, Inc. (EBMT) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 5/12 qtrs (56%)●Beat Revenue 9/12 qtrs (100%)
Q2 2026Latest
Apr 28, 2026
Metric
Actual
Est
EPS
$0.51+13.3%
$0.45
Rev
$24M+2.4%
$23M
Q2 2026
Mar 9, 2026
Metric
Actual
Est
EPS
$0.60
—
Rev
$32M
—
Q1 2026
Jan 27, 2026
Metric
Actual
Est
EPS
$0.60+27.7%
$0.47
Rev
$24M+3.4%
$24M
Q4 2025
Oct 28, 2025
Metric
Actual
Est
EPS
$0.46+0.0%
$0.46
Rev
$23M+26.5%
$18M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 28, 2026
$0.51vs $0.45+13.3%
$24Mvs $23M+2.4%
Q2 2026Mar 9, 2026
$0.60
$32M
Q1 2026Jan 27, 2026
$0.60vs $0.47+27.7%
$24Mvs $24M+3.4%
Q4 2025Oct 28, 2025
$0.46vs $0.46+0.0%
$23Mvs $18M+26.5%
Based on last 12 quarters of dataView full earnings history →

Latest EBMT News

Recent stock market news and headlines for Eagle Bancorp Montana, Inc. (EBMT)

Zacks Investment Research·Jun 24, 2026
Why Eagle Bancorp Montana, Inc. (EBMT) is a Top Dividend Stock for Your Portfolio

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Eagle Bancorp Montana (EBMT) have what it takes?

Zacks Investment Research·Jun 19, 2026
Is Eagle Bancorp Montana (EBMT) Stock Undervalued Right Now?

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

Peers Comparison

Key metrics vs top competitors for Eagle Bancorp Montana, Inc. (EBMT)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
EBMT logoEBMTEagle Bancorp Montana, Inc.Current
$23.56$187.67M12.404.61%11.78%8.09%2.48%
MSBI logoMSBIMidland States Bancorp, Inc.
$30.28$627.7M-4.93-14.37%7.83%6.16%—
FIBK logoFIBKFirst Interstate BancSystem, Inc.
$39.16$3.8B13.32-28.52%25.37%9.13%—
GBCI logoGBCIGlacier Bancorp, Inc.
$51.97$6.76B26.1214.48%17.67%6.83%—
WAFD logoWAFDWaFd, Inc.
$37.65$2.78B14.32-1.58%18.26%8.36%—
NWBI logoNWBINorthwest Bancshares, Inc.
$15.03$2.2B16.3416.3%14.75%7.3%—

Compare EBMT vs Peers

Eagle Bancorp Montana, Inc. (EBMT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs MSBI

Most directly comparable listed peer for EBMT.

Scale Benchmark

vs FIS

Larger-name benchmark to compare EBMT against a more recognizable public peer.

Peer Set

Compare Top 5

vs MSBI, FIBK, GBCI, WAFD

EBMT SEC Filings & Documents

Eagle Bancorp Montana, Inc. (EBMT) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 18, 2026·SEC

Material company update

May 4, 2026·SEC

Material company update

Apr 29, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 9, 2026·SEC

FY 2025

Mar 14, 2025·SEC

FY 2024

Mar 6, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 7, 2026·SEC

FY 2025

Nov 5, 2025·SEC

FY 2025

Aug 7, 2025·SEC

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EBMT Frequently Asked Questions

Eagle Bancorp Montana, Inc. (EBMT) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Eagle Bancorp Montana, Inc. growing?

Eagle Bancorp Montana, Inc. (EBMT) grew revenue by 4.6% over the past year. Growth has been modest.

Is EBMT profitable?

Yes, Eagle Bancorp Montana, Inc. (EBMT) is profitable, generating $15.6M in net income for fiscal year 2025 (11.8% net margin).

Dividend & Returns
Does EBMT pay dividends?

Yes, Eagle Bancorp Montana, Inc. (EBMT) pays a dividend with a yield of 2.48%. This makes it attractive for income-focused investors.

What is EBMT's return on equity?

Eagle Bancorp Montana, Inc. (EBMT) has a return on equity (ROE) of 8.1%. This is below average, suggesting room for improvement.

Industry Metrics
What is Eagle Bancorp Montana, Inc.'s net interest margin?

Eagle Bancorp Montana, Inc. (EBMT) has a net interest margin (NIM) of 3.4%. This indicates healthy earnings from lending activities.

What is Eagle Bancorp Montana, Inc.'s efficiency ratio?

Eagle Bancorp Montana, Inc. (EBMT) has an efficiency ratio of 55.9%. This is reasonable for a bank.

What if you invested $1,000 in EBMT back in 2009?

Total return calculator · dividends reinvested · 17+ years of data

See returns →