Symbols / EBMT Stock $21.88 -0.32% Eagle Bancorp Montana, Inc.

Financial Services • Banks - Regional • United States • NGM
EBMT (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Ms. Laura F. Clark
Exch · Country NGM · United States
Market Cap 174.28M
Enterprise Value 191.44M
Income 14.84M
Sales 90.39M
FCF (ttm) —
Book/sh 24.55
Cash/sh 8.05
Employees 355
Insider 10d —
IPO Apr 06, 2000
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 30.26%
P/E 11.52
Forward P/E 10.18
PEG 1.06
P/S 1.93
P/B 0.89
P/C —
EV/EBITDA —
EV/Sales 2.12
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.90
EPS next Y 2.15
EPS Growth 40.90%
Revenue Growth 13.40%
EPS Gr Q/Q 37.80%
Rev Gr Q/Q —
Earnings (next) 2026-04-28
Earnings (prior) 2026-01-27
ROA 0.70%
ROE 8.09%
ROIC —
Gross Margin 0.00%
Oper. Margin 27.23%
Profit Margin 16.41%
Shs Outstand 7.97M
Shs Float 7.19M
Insider Own 7.05%
Instit Own 52.68%
Short Float 1.86%
Short Ratio 1.85
Short Interest 139.74K
52W High 23.75
vs 52W High -7.87%
52W Low 15.10
vs 52W Low 44.90%
Beta 0.29
Impl. Vol. —
Rel Volume 0.46
Avg Volume 58.92K
Volume 26.87K
Target (mean) $21.67
Tgt Median $22.00
Tgt Low $20.00
Tgt High $23.00
# Analysts 3
Recom None
Prev Close $21.95
Price $21.88
Change -0.32%
About

Eagle Bancorp Montana, Inc. operates as the bank holding company for Opportunity Bank of Montana that provides various 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. The company also provides 1-4 family residential mortgage loans, such as residential mortgages and residential property construction loans; 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 comprising 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 loans. The company operates full-service branches and automated teller machines. The company was founded in 1922 and is headquartered in Helena, Montana.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$21.67
Mean price target
2. Current target
$21.88
Latest analyst target
3. DCF / Fair value
$28.50
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$21.88
Low
$20.00
High
$23.00
Mean
$21.67

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-01-28 main DA Davidson Neutral → Neutral $23
2022-10-27 down Janney Montgomery Scott Buy → Neutral —
2022-06-29 down DA Davidson Buy → Neutral $22
2020-04-09 main DA Davidson — → Buy $19
2019-03-06 down Stephens& Co. Overweight → Equal-Weight —
2013-07-29 main Wunderlich Securities — → Buy $14
2012-07-03 up DA Davidson Neutral → Buy $13
News
RSS: Latest EBMT news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-02-20 WATERS SAMUEL D. Director — 2,100 $22.48 $47,208
2026-02-17 MCCARVEL THOMAS J Director — 1,182 $22.77 $26,914
2026-02-11 JOHNSON PETER JOSEPH Director — 7,547 $23.03 $174,196
2026-02-03 WALSH KENNETH M. Director — 10,000 $22.47 $224,721
2026-02-02 AMDAHL RACHEL R Chief Operating Officer — 292 $0.00 $0
2026-02-02 SPAULDING MIRANDA Chief Financial Officer — 628 $0.00 $0
2026-02-02 CLARK LAURA F Chief Executive Officer — 1,428 $0.00 $0
2026-02-02 FIELD DALE F Officer — 406 $0.00 $0
2026-02-02 NASH CHANTELLE Officer — 360 $0.00 $0
2026-02-02 O'NEILL MARK A Officer — 406 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
90.17
+13.21%
79.65
-4.40%
83.31
-4.78%
87.50
Operating Revenue
90.17
+13.21%
79.65
-4.40%
83.31
-4.78%
87.50
Selling General And Administration
44.63
+5.79%
42.19
-7.27%
45.50
-2.15%
46.50
Selling And Marketing Expense
1.29
-1.83%
1.31
-4.58%
1.38
-3.10%
1.42
General And Administrative Expense
43.34
+6.03%
40.88
-7.35%
44.12
-2.12%
45.08
Salaries And Wages
42.39
+6.73%
39.72
-7.58%
42.97
-3.48%
44.52
Other Gand A
—
—
—
—
Reconciled Depreciation
8.93
+0.44%
8.89
+12.69%
7.89
+2.36%
7.71
Total Unusual Items
—
—
0.00
+100.00%
-2.30
Total Unusual Items Excluding Goodwill
—
—
0.00
+100.00%
-2.30
Special Income Charges
—
—
0.00
+100.00%
-2.30
Other Special Charges
—
—
—
—
Restructuring And Mergern Acquisition
—
—
0.00
-100.00%
2.30
Net Income
14.84
+51.72%
9.78
-2.76%
10.06
-6.03%
10.70
Pretax Income
18.89
+65.87%
11.39
-2.27%
11.65
-15.84%
13.85
Net Interest Income
71.97
+15.43%
62.35
+0.98%
61.75
-2.00%
63.01
Interest Expense
35.51
-12.90%
40.77
+39.93%
29.14
+373.79%
6.15
Interest Income
107.49
+4.23%
103.13
+13.46%
90.89
+31.42%
69.16
Gain On Sale Of Security
0.00
+100.00%
-0.14
+36.49%
-0.22
-3600.00%
-0.01
Tax Provision
4.06
+151.74%
1.61
+0.88%
1.60
-49.22%
3.15
Tax Rate For Calcs
0.00
+51.76%
0.00
+3.23%
0.00
-39.68%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
+100.00%
-0.52
Net Income Including Noncontrolling Interests
14.84
+51.72%
9.78
-2.76%
10.06
-6.03%
10.70
Net Income From Continuing Operation Net Minority Interest
14.84
+51.72%
9.78
-2.76%
10.06
-6.03%
10.70
Net Income From Continuing And Discontinued Operation
14.84
+51.72%
9.78
-2.76%
10.06
-6.03%
10.70
Net Income Continuous Operations
14.84
+51.72%
9.78
-2.76%
10.06
-6.03%
10.70
Normalized Income
14.84
+51.72%
9.78
-2.76%
10.06
-19.39%
12.48
Net Income Common Stockholders
14.84
+51.72%
9.78
-2.76%
10.06
-6.03%
10.70
Diluted EPS
1.90
+53.23%
1.24
-3.88%
1.29
-11.03%
1.45
Basic EPS
1.90
+52.00%
1.25
-3.10%
1.29
-11.03%
1.45
Basic Average Shares
7.80
-0.47%
7.84
+0.58%
7.79
+5.65%
7.38
Diluted Average Shares
7.82
-0.38%
7.85
+0.71%
7.80
+5.58%
7.39
Diluted NI Availto Com Stockholders
14.84
+51.72%
9.78
-2.76%
10.06
-6.03%
10.70
Amortization
1.19
-14.16%
1.39
-12.35%
1.59
+18.97%
1.33
Amortization Of Intangibles Income Statement
1.19
-14.16%
1.39
-12.35%
1.59
+18.97%
1.33
Depreciation Amortization Depletion Income Statement
1.19
-14.16%
1.39
-12.35%
1.59
+18.97%
1.33
Depreciation And Amortization In Income Statement
1.19
-14.16%
1.39
-12.35%
1.59
+18.97%
1.33
Insurance And Claims
0.96
-17.94%
1.17
+1.30%
1.15
+105.72%
0.56
Occupancy And Equipment
9.31
+9.14%
8.53
+5.69%
8.07
+6.20%
7.60
Other Non Interest Expense
13.26
-3.11%
13.68
+4.27%
13.12
+5.42%
12.45
Professional Expense And Contract Services Expense
1.70
-12.47%
1.94
+0.99%
1.92
+30.84%
1.47
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
2,106.37
+0.16%
2,103.09
+1.32%
2,075.67
+6.53%
1,948.38
Cash And Cash Equivalents
62.96
+99.51%
31.56
+28.58%
24.55
+12.53%
21.81
Cash Financial
24.11
-19.16%
29.82
+28.31%
23.24
+20.30%
19.32
Other Short Term Investments
261.72
-2.96%
269.70
-15.26%
318.28
-8.93%
349.50
Receivables
14.45
+12.09%
12.89
+3.24%
12.48
+10.64%
11.28
Accounts Receivable
14.45
+12.09%
12.89
+3.24%
12.48
+10.64%
11.28
Net PPE
101.44
-0.10%
101.54
+7.70%
94.28
+11.81%
84.32
Gross PPE
139.30
+3.78%
134.22
+9.95%
122.07
+12.60%
108.41
Accumulated Depreciation
-37.86
-15.84%
-32.68
-17.61%
-27.79
-15.37%
-24.09
Land And Improvements
14.71
+5.71%
13.92
+5.44%
13.20
+1.01%
13.07
Buildings And Improvements
102.44
+14.28%
89.64
+5.00%
85.37
+28.62%
66.37
Machinery Furniture Equipment
20.30
+7.16%
18.95
+12.14%
16.89
+8.47%
15.57
Construction In Progress
0.66
-93.48%
10.06
+134.01%
4.30
-58.80%
10.44
Leases
1.18
-28.69%
1.66
-28.12%
2.31
-22.03%
2.96
Goodwill And Other Intangible Assets
53.10
-2.78%
54.62
-3.29%
56.47
-1.98%
57.61
Goodwill
34.74
+0.00%
34.74
+0.00%
34.74
+0.00%
34.74
Other Intangible Assets
18.36
-7.64%
19.88
-8.55%
21.73
-4.98%
22.87
Investments And Advances
261.72
-2.96%
269.70
-15.26%
318.28
-8.93%
349.50
Total Liabilities Net Minority Interest
1,914.55
-0.71%
1,928.33
+1.15%
1,906.39
+6.50%
1,789.97
Payables And Accrued Expenses
—
—
—
26.46
Current Accrued Expenses
—
—
—
26.46
Long Term Debt And Capital Lease Obligation
82.37
-58.83%
200.08
-14.76%
234.74
+83.05%
128.24
Long Term Debt
82.37
-58.83%
200.08
-14.76%
234.74
+83.05%
128.24
Non Current Deferred Liabilities
—
—
—
—
Non Current Deferred Taxes Liabilities
—
—
—
—
Stockholders Equity
191.81
+9.76%
174.76
+3.24%
169.27
+6.85%
158.42
Common Stock Equity
191.81
+9.76%
174.76
+3.24%
169.27
+6.85%
158.42
Capital Stock
0.09
+0.00%
0.09
+0.00%
0.09
+0.00%
0.09
Common Stock
0.09
+0.00%
0.09
+0.00%
0.09
+0.00%
0.09
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
8.51
+0.00%
8.51
+0.00%
8.51
+0.00%
8.51
Ordinary Shares Number
7.96
-0.86%
8.03
+0.13%
8.02
+0.13%
8.01
Treasury Shares Number
0.55
+14.45%
0.48
-2.12%
0.49
-2.14%
0.50
Additional Paid In Capital
108.09
-0.23%
108.33
-0.45%
108.82
-0.32%
109.16
Retained Earnings
111.52
+10.13%
101.26
+5.46%
96.02
+4.34%
92.02
Gains Losses Not Affecting Retained Earnings
-12.87
+36.10%
-20.15
-1.01%
-19.95
+24.33%
-26.36
Treasury Stock
11.57
+7.48%
10.76
-3.25%
11.12
-1.93%
11.34
Other Equity Adjustments
-12.87
+36.10%
-20.15
-1.01%
-19.95
+24.33%
-26.36
Total Equity Gross Minority Interest
191.81
+9.76%
174.76
+3.24%
169.27
+6.85%
158.42
Total Capitalization
274.18
-26.85%
374.84
-7.22%
404.01
+40.94%
286.65
Invested Capital
274.18
-26.85%
374.84
-7.22%
404.01
+40.94%
286.65
Total Debt
82.37
-58.83%
200.08
-14.76%
234.74
+83.05%
128.24
Net Debt
19.41
-88.49%
168.52
-19.83%
210.19
+97.50%
106.43
Net Tangible Assets
138.72
+15.45%
120.15
+6.52%
112.80
+11.90%
100.81
Tangible Book Value
138.72
+15.45%
120.15
+6.52%
112.80
+11.90%
100.81
Available For Sale Securities
—
173.21
—
—
Cash Cash Equivalents And Federal Funds Sold
62.96
+99.51%
31.56
+28.58%
24.55
+12.53%
21.81
Other Equity Interest
-3.44
+14.29%
-4.01
+12.50%
-4.58
+11.11%
-5.16
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
33.13
+16.08%
28.54
+205.36%
9.35
-77.70%
41.91
Cash Flow From Continuing Operating Activities
33.13
+16.08%
28.54
+205.36%
9.35
-77.70%
41.91
Net Income From Continuing Operations
14.84
+51.72%
9.78
-2.76%
10.06
-6.03%
10.70
Depreciation Amortization Depletion
8.93
+0.44%
8.89
+12.69%
7.89
+2.36%
7.71
Depreciation
5.80
+2.33%
5.67
+23.27%
4.60
+8.01%
4.26
Amortization Cash Flow
3.13
-2.88%
3.22
-2.10%
3.29
-4.61%
3.45
Depreciation And Amortization
8.93
+0.44%
8.89
+12.69%
7.89
+2.36%
7.71
Amortization Of Intangibles
3.13
-2.88%
3.22
-2.10%
3.29
-4.61%
3.45
Other Non Cash Items
10.53
+2414.08%
0.42
-90.89%
4.60
-86.81%
34.88
Stock Based Compensation
1.09
+25.78%
0.87
+28.17%
0.68
-30.53%
0.98
Asset Impairment Charge
—
—
0.00
+100.00%
-0.06
Deferred Tax
-0.57
-8.51%
-0.53
+21.16%
-0.67
-132.43%
2.07
Deferred Income Tax
-0.57
-8.51%
-0.53
+21.16%
-0.67
-132.43%
2.07
Operating Gains Losses
-7.88
-19.03%
-6.62
+40.78%
-11.17
+40.29%
-18.71
Gain Loss On Investment Securities
0.00
-100.00%
0.14
-36.49%
0.22
—
Gain Loss On Sale Of PPE
-0.15
-800.00%
-0.02
+72.13%
-0.06
+41.90%
-0.10
Change In Working Capital
4.29
-69.72%
14.18
+412.24%
-4.54
-668.46%
0.80
Change In Receivables
-1.56
-284.69%
-0.41
+66.28%
-1.20
+56.78%
-2.78
Change In Payables And Accrued Expense
3.10
-77.95%
14.06
+102.83%
6.93
+94.50%
3.56
Change In Accrued Expense
3.10
-77.95%
14.06
+102.83%
6.93
+94.50%
3.56
Change In Other Current Assets
2.75
+422.39%
0.53
+105.13%
-10.27
-73478.57%
0.01
Investing Cash Flow
21.96
+179.02%
-27.80
+74.31%
-108.20
+53.96%
-235.04
Cash Flow From Continuing Investing Activities
21.96
+179.02%
-27.80
+74.31%
-108.20
+53.96%
-235.04
Net PPE Purchase And Sale
-4.58
+67.33%
-14.02
-6.37%
-13.18
+17.20%
-15.92
Purchase Of PPE
-4.78
+66.04%
-14.08
+0.77%
-14.19
+15.35%
-16.76
Sale Of PPE
0.20
+235.00%
0.06
-94.05%
1.01
+19.41%
0.84
Capital Expenditure
-4.78
+66.04%
-14.08
+0.77%
-14.19
+15.35%
-16.76
Net Investment Purchase And Sale
20.07
-17.34%
24.29
-37.06%
38.59
+556.50%
5.88
Purchase Of Investment
-7.04
+35.86%
-10.98
+60.96%
-28.13
+63.51%
-77.07
Sale Of Investment
27.12
-23.11%
35.27
-47.14%
66.72
-19.57%
82.95
Net Business Purchase And Sale
—
—
0.00
-100.00%
13.40
Net Other Investing Changes
5.17
+378.00%
-1.86
+35.27%
-2.87
+24.95%
-3.83
Financing Cash Flow
-23.69
-477.68%
6.27
-93.83%
101.59
-33.82%
153.51
Cash Flow From Continuing Financing Activities
-23.69
-477.68%
6.27
-93.83%
101.59
-33.82%
153.51
Net Issuance Payments Of Debt
-117.91
-238.75%
-34.81
-132.73%
106.34
+12.66%
94.39
Issuance Of Debt
35.00
-74.07%
135.00
+800.00%
15.00
-62.50%
40.00
Repayment Of Debt
-120.00
-93.29%
-62.08
0.00
+100.00%
-15.00
Long Term Debt Issuance
35.00
-74.07%
135.00
+800.00%
15.00
-62.50%
40.00
Long Term Debt Payments
-120.00
-93.29%
-62.08
0.00
+100.00%
-15.00
Net Long Term Debt Issuance
-85.00
-216.57%
72.92
+386.11%
15.00
-40.00%
25.00
Short Term Debt Issuance
—
—
—
69.39
Short Term Debt Payments
—
—
—
—
Net Short Term Debt Issuance
-32.91
+69.45%
-107.72
-217.93%
91.34
+31.63%
69.39
Net Common Stock Issuance
-1.57
-275.42%
-0.42
-81.39%
-0.23
+94.79%
-4.43
Common Stock Payments
-1.57
-275.42%
-0.42
-81.39%
-0.23
+94.79%
-4.43
Cash Dividends Paid
-4.58
-0.95%
-4.54
-2.09%
-4.44
-9.38%
-4.06
Repurchase Of Capital Stock
-1.57
-275.42%
-0.42
-81.39%
-0.23
+94.79%
-4.43
Net Other Financing Charges
—
—
—
-1.16
Changes In Cash
31.40
+347.72%
7.01
+156.55%
2.73
+106.90%
-39.62
Beginning Cash Position
31.56
+28.58%
24.55
+12.53%
21.81
-64.50%
61.43
End Cash Position
62.96
+99.51%
31.56
+28.58%
24.55
+12.53%
21.81
Free Cash Flow
28.34
+96.04%
14.46
+398.55%
-4.84
-119.26%
25.15
Interest Paid Supplemental Data
37.12
-2.09%
37.91
+52.77%
24.82
+401.21%
4.95
Income Tax Paid Supplemental Data
3.16
+475.05%
0.55
-81.75%
3.01
+2.70%
2.93
Sale Of Business
—
—
0.00
-100.00%
13.40
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

Trades
Date User Broker Pattern Type Position Size Entry Price Trade P&L Status
Posts
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