Eagle Bancorp Montana, Inc.

NASDAQ•EBMT

CEO: Ms. Laura F. Clark

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 2000-04-06

Eagle 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 full-service branches and automated teller machines. Eagle Bancorp Montana, Inc. was founded in 1922 and is headquartered in Helena, Montana.

Contact Information

1400 Prospect Avenue, Helena, MT, 59601, United States

406-442-3080

www.opportunitybank.com

Market Cap

$167.27M

P/E (TTM)

11.1

14.6

Dividend Yield

2.7%

52W High

$23.75

52W Low

$15.10

52W Range

68%

Rank43Top 50.7%

3.8

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Weak • 3.8 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$32.49M+5.19%

4-Quarter Trend

EPS

$0.61+38.64%

4-Quarter Trend

FCF

$35.04M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income Jumps 51.7% Net income reached $14.84M in 2025, driven by strong Net Interest Income growth of 14.9% year-over-year.

NIM Expansion Strong Net Interest Margin improved significantly by 50 basis points to 3.92% due to higher asset yields and lower funding costs.

Deposits Grow 6.0% Total deposits increased by $100.37M to $1.78B, reflecting successful core deposit attraction strategy execution.

Capital Ratios Remain Strong CET1 ratio strengthened to 13.15%, well exceeding regulatory minimums and demonstrating robust capital adequacy.

Risk Factors

Credit Quality Deterioration Noted Nonperforming loan ratio rose to 0.37% from 0.25% in 2024; provision for credit losses increased substantially to $1.18M.

Goodwill Impairment Testing Goodwill balance of $34.74M requires annual testing; changing economic conditions could lead to future impairment charges.

Interest Rate Sensitivity Exposure Projected NIM sensitivity shows potential Year 1 reduction of 3.3% under a 300 basis point rate shock scenario.

Cybersecurity and Technology Risks Reliance on third-party vendors and increasing sophistication of cyber threats pose ongoing risks to operations and reputation.

Outlook

Continued Loan Portfolio Diversification Strategy emphasizes growth in CRE and commercial business loans, which constituted 79.18% of total loans at year-end 2025.

Managing Funding Costs Management focuses on increasing low-cost core deposits to maintain favorable spread alignment against rising interest rates.

Regulatory Compliance Focus Ongoing evaluation of new accounting standards and evolving ESG/AI regulations requires resource allocation and adaptation.

Mortgage Banking Volume Volatility Noninterest income relies on secondary market sales; lower mortgage activity adversely affected gain on sale income recently.

Peer Comparison

Revenue (TTM)

FGBI

$220.51M

-9.9%

EBMT

$125.98M

+4.6%

CFBK

$125.20M

+2.5%

Gross Margin (Latest Quarter)

PEBK

79.1%

+4.8pp

FCAP

76.9%

+4.2pp

EBMT

74.8%

+6.8pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
PEBK	$198.19M	15.6	13.5%	0.9%
CFBK	$188.38M	10.7	9.6%	5.8%
EBMT	$167.27M	11.1	8.1%	3.9%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

3.0%

Moderate Growth

4Q Net Income CAGR

13.4%

Profitability Improving

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Apr 27, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data