Eagle Bancorp Montana, Inc. EBMT

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

DESCRIPTION OF BUSINESS.

Eagle Bancorp Montana, Inc. ("Eagle" or the "Company"), is a Delaware corporation, and a bank holding company registered under the Bank Holding Company Act of 1956 that holds 100% of the capital stock of Opportunity Bank of Montana (the "Bank"), formerly American Federal Savings Bank ("AFSB"). The Bank was founded in 1922 as a Montana-chartered building and loan association and has conducted operations and maintained its administrative office in Helena, Montana since that time. In 1975, the Bank adopted a federal thrift charter and in October 2014 converted to a Montana chartered commercial bank and became a member bank in the Federal Reserve System. The Bank currently has 30 full-service branches and 32 automated teller machines located in our market areas and we participate in the Money Pass® ATM network.

Last close 21.32 2026-10-23
Market cap $169.8M 2026-06-30 share count
52-week range 15.80 - 24.66

Valuation FY2025 figures against the last close

P/S1.6x
P/E11.2x
P/FCF6.0x
EV/EBITDA—
Dividend yield2.7%
Diluted EPS1.90

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $108.4M$104.2M$91.6M$69.5M$49.7M$49.7M$46.5M$34.8M$27.9M$23.9M
Interest expense $72.9M$63.4M$62.5M$6.2M$3.2M$6.5M$7.7M$5.1M$4.1M$3.1M
Pre-tax income $18.9M$11.4M$11.7M$13.8M$19.3M$28.4M$14.0M$5.9M$6.2M$6.9M
Income tax $4.1M$1.6M$1.6M$3.1M$4.9M$7.2M$3.1M$914.0K$2.1M$1.8M
Net income $14.8M$9.8M$10.1M$10.7M$14.4M$21.2M$10.9M$5.0M$4.1M$5.1M
EPS, basic 1.901.251.291.452.173.121.690.921.011.36
EPS, diluted 1.901.241.291.452.173.111.690.910.991.32
Shares, diluted (wtd. avg.) 7.8M7.9M7.8M7.4M6.7M6.8M6.4M5.5M4.1M3.9M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $63.0M$31.6M$24.5M$21.8M$61.4M$69.8M$24.9M$11.2M$7.4M$7.3M
Property, plant and equipment $101.4M$101.5M$94.3M$84.3M$67.3M$58.8M$40.1M$29.3M$22.0M$19.4M
Goodwill $34.7M$34.7M$34.7M$34.7M$20.8M$20.8M$15.8M$12.1M$7.0M$7.0M
Other intangibles $3.3M$4.5M$5.9M$7.5M$1.8M$2.3M$2.8M$1.5M$273.0K$384.0K
Total assets $2.11B$2.10B$2.08B$1.95B$1.44B$1.26B$1.05B$853.9M$716.8M$673.9M
Long-term debt $44.5M$59.1M$59.0M$58.8M$29.9M$29.8M$24.9M$24.9M$24.8M$15.0M
Total liabilities $1.91B$1.93B$1.91B$1.79B$1.28B$1.10B$932.6M$759.1M$633.2M$614.5M
Retained earnings $111.5M$101.3M$96.0M$92.0M$85.4M$74.0M$55.4M$46.9M$43.9M$41.2M
Total equity $191.8M$174.8M$169.3M$158.4M$156.7M$152.9M$121.7M$94.8M$83.6M$59.5M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $33.1M$28.5M$9.3M$41.9M$56.5M$2.1M$366.0K$13.6M$20.1M$12.9M
Depreciation and amortisation $5.3M$5.2M$3.9M$3.6M$2.9M$2.4M$1.8M$1.3M$969.0K$1.1M
Capital expenditure $4.8M$14.1M$14.2M$16.8M$12.2M$20.6M$10.5M$7.1M$3.5M$2.2M
Investing cash flow $22.0M-$27.8M-$108.2M-$235.0M-$232.9M-$22.0M-$59.7M-$50.9M-$56.8M-$51.1M
Financing cash flow -$23.7M$6.3M$101.6M$153.5M$168.1M$64.8M$73.1M$41.1M$36.9M$38.1M
Dividends paid $4.6M$4.5M$4.4M$4.1M$3.0M$2.6M$2.4M$2.0M$1.4M$1.2M
Buybacks $1.6M$419.0K$231.0K$4.4M$6.3M$987.0K$1.2M———

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001437749-26-007330.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 50M 100M 150M Revenue, FY2016: 23.9M Net income, FY2016: 5.1M Revenue, FY2017: 27.9M Net income, FY2017: 4.1M Revenue, FY2018: 34.8M Net income, FY2018: 5M Revenue, FY2019: 46.5M Net income, FY2019: 10.9M Revenue, FY2020: 49.7M Net income, FY2020: 21.2M Revenue, FY2021: 49.7M Net income, FY2021: 14.4M Revenue, FY2022: 69.5M Net income, FY2022: 10.7M Revenue, FY2023: 91.6M Net income, FY2023: 10.1M Revenue, FY2024: 104.2M Net income, FY2024: 9.8M Revenue, FY2025: 108.4M Net income, FY2025: 14.8M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $23.9M $27.9M $34.8M $46.5M $49.7M $49.7M $69.5M $91.6M $104.2M $108.4M
Gross profit — — — — — — — — — —
Net income $5.1M $4.1M $5.0M $10.9M $21.2M $14.4M $10.7M $10.1M $9.8M $14.8M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Officer or director change Item 5.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Regulation FD disclosure Item 7.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Officer or director change Item 5.02
  • Regulation FD disclosure Item 7.01
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

Others in SIC 6022

TickerCompanyMarket capP/ERevenue growth
BNY Bank of New York Mellon Corp $98.57B 19.6x 7.8%
FITB FIFTH THIRD BANCORP $48.05B 15.0x -5.0%
STT STATE STREET CORP $46.10B 17.9x 7.3%
MTB M&T BANK CORP $32.01B 13.0x 7.5%
NTRS NORTHERN TRUST CORP $30.72B 19.2x 6.1%
CFG CITIZENS FINANCIAL GROUP INC/RI $27.44B 16.9x 6.7%
FCNCA FIRST CITIZENS BANCSHARES INC /DE/ $27.41B 14.4x -2.2%
EWBC EAST WEST BANCORP INC $17.97B 13.8x 2.4%