Eagle Bancorp Montana, Inc. logo

Eagle Bancorp Montana, Inc.

EBMT

NASDAQFinancial ServicesBanks - Regional

Previous close

$22.85

−$0.01 · -0.04%

Aug 21, 4:00 PM ET

EBMT company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

79

Undervalued

Momentum

55

Neutral

Sentiment

46

Mixed

Risk resilience

79

Moderate Risk

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Company profile

Company website

Eagle Bancorp Montana, Inc. serves as the parent company for Opportunity Bank of Montana, delivering a comprehensive array of retail banking products and financial services. Its primary clientele comprises small businesses and individual customers located throughout Montana. The bank facilitates diverse deposit accounts, which include checking, savings, money market, individual retirement accounts (IRAs), and certificates of deposit (CDs). Its extensive lending portfolio encompasses residential mortgage loans for 1-4 family properties, including financing for new construction; a variety of commercial real estate loans, such as those for multi-family dwellings, non-residential properties, development projects, and farmland; and second mortgage or home equity loans. Furthermore, the company provides various consumer loans, including those secured by collateral like automobiles, recreational vehicles, and boats, alongside personal loans and lines of credit. It also extends secured and unsecured commercial business loans, agricultural loans, and general mortgage loan services. With a substantial operational footprint, Eagle Bancorp Montana, Inc. maintains 23 full-service branches, one community banking office, and 25 automated teller machines. The institution was established in 1922 and its corporate headquarters are situated in Helena, Montana.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Laura F. Clark
Listed since
Apr 6, 2000
Employees
355

Market position

Day range

Current $22.85

52-week range

Current $22.85

Open
$22.665
Previous close
$22.86
Volume
79.43K
1.32× average
Average volume
59.97K
Average daily volume
Market cap
182.01M USD
Beta
0.35
Market reference 1
50-day average
$23.4602
-2.60% below average
200-day average
$21.352
+7.02% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
213.74M USD
P/E (TTM)
11.09×
P/B (TTM)
0.91×
P/S (TTM)
1.83×
EV / EBITDA
8.29×
Earnings yield
9.55%
Free cash flow yield
18.24%
Dividend yield
2.55%

Profitability & efficiency

Gross margin
66.74%
Operating margin
11.16%
Net margin
16.19%
Return on equity
7.73%
Return on assets
0.70%
Return on invested capital
196.66%

Financial health

Debt / equity
0.49×
Current ratio
0.71×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends104%69%34%-1%Gross margin, FY2021: 95.63%Gross margin, FY2022: 91.30%Gross margin, FY2023: 72.79%Gross margin, FY2024: 65.71%Gross margin, FY2025: 70.90%Operating margin, FY2021: 20.69%Operating margin, FY2022: 14.79%Operating margin, FY2023: 10.36%Operating margin, FY2024: 9.46%Operating margin, FY2025: 15.03%Net margin, FY2021: 15.47%Net margin, FY2022: 11.43%Net margin, FY2023: 8.94%Net margin, FY2024: 8.12%Net margin, FY2025: 11.78%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 95.63%. Gross margin FY2022 91.30%. Gross margin FY2023 72.79%. Gross margin FY2024 65.71%. Gross margin FY2025 70.90%. Operating margin FY2021 20.69%. Operating margin FY2022 14.79%. Operating margin FY2023 10.36%. Operating margin FY2024 9.46%. Operating margin FY2025 15.03%. Net margin FY2021 15.47%. Net margin FY2022 11.43%. Net margin FY2023 8.94%. Net margin FY2024 8.12%. Net margin FY2025 11.78%.

Income trends

Revenue

125.98M USD+4.61%

Operating income

18.93M USD+66.22%

Net income

14.84M USD+51.72%
Income trends across reported periods137.59M USD91.12M USD44.64M USD−1.84M USDRevenue, FY2021: 93.19M USDRevenue, FY2022: 93.65M USDRevenue, FY2023: 112.45M USDRevenue, FY2024: 120.42M USDRevenue, FY2025: 125.98M USDOperating income, FY2021: 19.28M USDOperating income, FY2022: 13.85M USDOperating income, FY2023: 11.65M USDOperating income, FY2024: 11.39M USDOperating income, FY2025: 18.93M USDNet income, FY2021: 14.42M USDNet income, FY2022: 10.7M USDNet income, FY2023: 10.06M USDNet income, FY2024: 9.78M USDNet income, FY2025: 14.84M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 93.19M USD. Revenue FY2022 93.65M USD. Revenue FY2023 112.45M USD. Revenue FY2024 120.42M USD. Revenue FY2025 125.98M USD. Operating income FY2021 19.28M USD. Operating income FY2022 13.85M USD. Operating income FY2023 11.65M USD. Operating income FY2024 11.39M USD. Operating income FY2025 18.93M USD. Net income FY2021 14.42M USD. Net income FY2022 10.7M USD. Net income FY2023 10.06M USD. Net income FY2024 9.78M USD. Net income FY2025 14.84M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue125.98M USD120.42M USD112.45M USD93.65M USD93.19M USD
Cost of goods sold36.66M USD41.29M USD30.59M USD8.15M USD4.07M USD
Gross profit89.32M USD79.13M USD81.86M USD85.5M USD89.13M USD
Selling, general, and administrative33.89M USD42.19M USD45.5M USD46.5M USD50.37M USD
Operating expenses70.39M USD67.74M USD70.2M USD71.65M USD69.84M USD
Interest income107.69M USD103.13M USD90.89M USD69.16M USD49.49M USD
Interest expense35.51M USD40.77M USD29.14M USD6.15M USD3.21M USD
Depreciation and amortization6.86M USD8.89M USD7.89M USD7.71M USD7.83M USD
Operating income18.93M USD11.39M USD11.65M USD13.85M USD19.28M USD
Net income14.84M USD9.78M USD10.06M USD10.7M USD14.42M USD

Company facts updated Aug 24, 2026.

Earnings

Latest fiscal-year EPS
1.9
FY2025 · +53.23% year over year
Latest fiscal-year revenue
125.98M USD
FY2025 · +4.61% year over year

Annual EPS trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual EPS trend2.261.891.521.15FY21FY22FY23FY24FY25

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual revenue trend129.25M116.14M103.03M89.92MFY21FY22FY23FY24FY25

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$24.00

5.03% upside
Past 12 months12-month forecastHigh $24.00Average $24.00Low $24.00

Rating distribution

6 ratings
Strong buy00%
Buy233%
Hold467%
Sell00%
Strong sell00%

Recent analyst actions

1 institution

Corporate actions

Corporate action history

Stock split

Effective Apr 5, 2010

19:5

EBMT peers

ETFs holding EBMT

Funds reporting this stock among their holdings, ordered by reported position size.

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