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Eagle Bancorp Montana, Inc.

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
$183.10M
PER (TTM)
12.1
15.2
配当利回り
2.5%
52週高値
$23.75
52週安値
$14.87
52週レンジ
92%
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

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

First Guaranty Bancshares, Inc.FGBI
$220.51M
-9.9%
Eagle Bancorp Montana, Inc.EBMT
$125.98M
+4.6%
CF Bankshares Inc.CFBK
$120.00M
-1.8%

粗利益率 (最新四半期)

Peoples Bancorp of North Carolina, Inc.PEBK
79.1%
+4.8pp
First Capital, Inc.FCAP
76.9%
+4.2pp
Eagle Bancorp Montana, Inc.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
CFBK$209.29M11.97.4%5.8%
PEBK$206.31M16.213.5%0.9%
EBMT$183.10M12.18.1%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
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月27日
|
EPS:-
|
売上高:-
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月5日|
    売上高: $32.17M+2.6%
    |
    EPS: $0.47+34.3%
    予想通り

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月7日|
    売上高: $31.60M+6.5%
    |
    EPS: $0.42+90.9%
    予想通り

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月8日|
    売上高: $29.71M+4.3%
    |
    EPS: $0.41+70.8%
    予想を上回る

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月14日|
    売上高: $120.42M+7.1%
    |
    EPS: $1.25-3.1%
    予想を上回る

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月13日|
    売上高: $31.36M+5.9%
    |
    EPS: $0.35+2.9%
    予想を上回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月8日|
    売上高: $29.68M+6.0%
    |
    EPS: $0.22-15.4%
    予想を下回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月8日|
    売上高: $28.50M+14.3%
    |
    EPS: $0.24-42.9%
    予想を下回る

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月6日|
    売上高: $112.45M+20.1%
    |
    EPS: $1.29-11.0%
    予想を上回る