Eagle Bancorp Montana, Inc.

NASDAQ•EBMT

CEO: Ms. Laura F. Clark

セクター: Financial Services

業種: Banks - Regional

上場日: 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.

連絡先情報

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

406-442-3080

www.opportunitybank.com

時価総額

$165.44M

PER (TTM)

10.9

14.5

配当利回り

2.8%

52週高値

$23.75

52週安値

$15.10

52週レンジ

66%

順位43Top 50.7%

3.8

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

弱い • 3.8 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$32.49M+5.19%

直近4四半期の推移

EPS

$0.61+38.64%

直近4四半期の推移

フリーCF

$35.04M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

FGBI

$220.51M

-9.9%

EBMT

$125.98M

+4.6%

CFBK

$125.20M

+2.5%

粗利益率 (最新四半期)

PEBK

79.1%

+4.8pp

FCAP

76.9%

+4.2pp

EBMT

74.8%

+6.8pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
PEBK	$198.83M	15.7	13.5%	0.9%
CFBK	$183.84M	10.4	9.6%	5.8%
EBMT	$165.44M	10.9	8.1%	3.9%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

3.0%

緩やかな成長

4四半期純利益CAGR

13.4%

収益性の着実な向上

キャッシュフロー安定性

100%

優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月27日

EPS:-

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし