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
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
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)
$220.51M
$125.98M
$120.00M
粗利益率 (最新四半期)
79.1%
76.9%
74.8%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| CFBK | $209.29M | 11.9 | 7.4% | 5.8% |
| PEBK | $206.31M | 16.2 | 13.5% | 0.9% |
| EBMT | $183.10M | 12.1 | 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
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