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

$170.14M

PER (TTM)

11.3

14.1

配当利回り

2.7%

52週高値

$23.75

52週安値

$15.10

52週レンジ

73%

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)

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	$198.88M	15.7	13.5%	0.9%
CFBK	$188.67M	10.7	9.6%	5.8%
EBMT	$170.14M	11.3	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