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Eagle Bancorp Montana, Inc.

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
$163.89M
P/E (TTM)
11.9
15.1
Dividend Yield
2.8%
52W High
$20.90
52W Low
$14.70
52W Range
95%
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

Q3 2025 Data

Revenue

$32.17M+2.59%
4-Quarter Trend

EPS

$0.47+34.29%
4-Quarter Trend

FCF

$7.09M-1046.60%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Strong Net Income Growth Nine-month net income reached $10.11M, marking a 59.3% increase year-over-year, driven by improved net interest income.
Net Interest Margin Expansion NIM improved 50 basis points to 3.86% for nine months, reflecting higher asset yields outpacing the decrease in funding costs.
Loan Portfolio Growth Net loans grew 2.4% to $1.54B, primarily fueled by increases in commercial real estate and total commercial loan segments.
Solid Capital Ratios Total risk-based capital ratio was 13.79%, well above the 10.00% minimum requirement, indicating strong regulatory capital strength.

Risk Factors

Rising Credit Loss Provision Provision for credit losses increased 106.1% for nine months to $1.14M, largely driven by significant loan portfolio growth.
Interest Rate Risk Exposure A 300 basis point rate shock projects a 4.9% drop in Year 1 net interest income, nearing the internal policy limit of -15.0%.
Noninterest Expense Increase Total noninterest expense rose 3.3% for nine months, primarily due to higher salaries and increased software subscription costs.
Goodwill Impairment Monitoring Management will perform the annual goodwill impairment test as of October 31, 2025, subject to potential adverse economic changes.

Outlook

Funding Cost Management Focus Total borrowings decreased 30.8% by reducing FHLB advances, signaling management focus on efficient funding sources.
Loan Diversification Strategy Strategy continues to emphasize commercial and agricultural lending to mitigate concentration risk within the overall loan portfolio.
Tax Rate Normalization Trend Effective tax rate increased to 21.1% (9M 2025) as pretax earnings growth outpaced the growth of tax-exempt income.
Sufficient Liquidity Position Current liquidity sources are deemed sufficient for short and long-term needs, though external funding remains an option if conditions worsen.

Peer Comparison

Revenue (TTM)

First Guaranty Bancshares, Inc.FGBI
$180.76M
-23.8%
CF Bankshares Inc.CFBK
$124.69M
+2.4%
Eagle Bancorp Montana, Inc.EBMT
$124.37M
+4.1%

Gross Margin (Latest Quarter)

Eagle Bancorp Montana, Inc.EBMT
71.4%
+7.2pp
SB Financial Group, Inc.SBFG
71.4%
+3.1pp
Patriot National Bancorp, Inc.PNBK
55.6%
+15.0pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
CFBK$180.04M10.99.4%0.0%
PNBK$171.28M-6.2-35.9%1.7%
FCAP$166.41M16.25.8%0.0%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
1.4%
Moderate Growth
4Q Net Income CAGR
1.9%
Profitability Slowly Improving
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Jan 27, 2026
|
EPS:$0.47
|
Revenue:$18.89M
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 5, 2025|
    Revenue: $32.17M+2.6%
    |
    EPS: $0.47+34.3%
    Meet

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 7, 2025|
    Revenue: $31.60M+6.5%
    |
    EPS: $0.42+90.9%
    Meet

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 8, 2025|
    Revenue: $29.71M+4.3%
    |
    EPS: $0.41+70.8%
    Beat

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 14, 2025|
    Revenue: $120.42M+7.1%
    |
    EPS: $1.25-3.1%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 13, 2024|
    Revenue: $31.36M+5.9%
    |
    EPS: $0.35+2.9%
    Beat

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 8, 2024|
    Revenue: $29.68M+6.0%
    |
    EPS: $0.22-15.4%
    Miss

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 8, 2024|
    Revenue: $28.50M+14.3%
    |
    EPS: $0.24-42.9%
    Miss

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Mar 6, 2024|
    Revenue: $112.45M+20.1%
    |
    EPS: $1.29-11.0%
    Beat