NASDAQ : EBMT
Eagle Bancorp Montana, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 21.36 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 167.20M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 97.80M | 97.60M | 92.28M | 79.42M | 60.35M | 45.13M |
| Interest Income on Investments | 10.39M | 10.81M | 11.93M | 12.19M | 9.11M | 4.61M |
| Total Interest Income | 108.19M | 108.41M | 104.21M | 91.61M | 69.46M | 49.75M |
| Interest Paid on Deposits | 26.62M | 27.78M | 27.84M | 17.86M | 3.12M | 1.47M |
| Interest Paid on Borrowings | 4.58M | 7.74M | 12.94M | 11.28M | 3.03M | 1.73M |
| Total Interest Expense | 31.20M | 35.51M | 40.77M | 29.14M | 6.15M | 3.21M |
| Net Interest Income | 76.99M | 72.90M | 63.44M | 62.48M | 63.31M | 46.54M |
| Mortgage Banking Activities | 10.82M | 10.54M | 10.01M | 14.97M | 19.49M | 41.03M |
| Gain (Loss) on Sale of Investments | -141.00K | -222.00K | -6.00K | |||
| Other Non-Interest Income | 7.62M | 6.47M | 6.26M | 6.22M | 5.07M | 3.94M |
| Total Non-Interest Income | 20.13M | 18.67M | 17.78M | 22.72M | 26.22M | 46.18M |
| Revenues Before Loan Losses | 97.12M | 91.57M | 81.21M | 85.20M | 89.53M | 92.72M |
| Provision for Loan Losses | 2.52M | 1.18M | 518.00K | 1.46M | 2.00M | 861.00K |
| Revenue | 94.60M | 90.39M | 80.70M | 83.74M | 87.53M | 91.86M |
| Salaries and Employee Benefits | 44.16M | 41.30M | 38.85M | 42.30M | 43.55M | 47.74M |
| Occupancy Expenses | 8.95M | 8.81M | 8.00M | 7.36M | 5.10M | 5.73M |
| Federal Deposit Insurance | 953.00K | 956.00K | 1.17M | 1.15M | 559.00K | 332.00K |
| Amortization of Goodwill & Intangibles | 1.05M | 1.19M | 1.39M | 1.59M | 1.33M | 573.00K |
| Selling, General & Administrative | 12.38M | 12.29M | 12.99M | 12.70M | 12.36M | 9.81M |
| Other Non-Interest Expense | 7.26M | 6.95M | 6.92M | 7.00M | 8.54M | 8.37M |
| Total Non-Interest Expense | 74.76M | 71.50M | 69.31M | 72.09M | 71.44M | 72.56M |
| EBT Excluding Unusual Items | 19.84M | 18.89M | 11.39M | 11.65M | 16.09M | 19.31M |
| Asset Writedown | 56.00K | 736.00K | ||||
| Pretax Income | 19.84M | 18.89M | 11.39M | 11.65M | 13.85M | 19.28M |
| Income Tax Expense | 4.40M | 4.06M | 1.61M | 1.60M | 3.15M | 4.86M |
| Net Income | 15.44M | 14.84M | 9.78M | 10.06M | 10.70M | 14.42M |
| Net Income to Common | 15.44M | 14.84M | 9.78M | 10.06M | 10.70M | 14.42M |
| Basic Shares Outstanding | 7.82M | 7.80M | 7.84M | 7.79M | 7.38M | 6.65M |
| Diluted Shares Outstanding | 7.85M | 7.82M | 7.85M | 7.80M | 7.39M | 6.66M |
| EPS (Basic) | 1.97 | 1.90 | 1.25 | 1.29 | 1.45 | 2.17 |
| EPS (Diluted) | 1.97 | 1.90 | 1.24 | 1.29 | 1.45 | 2.17 |
| Dividend Per Share | 0.58 | 0.58 | 0.57 | 0.56 | 0.54 | 0.47 |
| Effective Tax Rate | 22.16% | 21.48% | 14.15% | 13.71% | 22.73% | 25.22% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 24.86M | 62.96M | 31.56M | 24.55M | 21.81M | 61.43M |
| Investment Securities | 272.82M | 181.50M | 188.49M | 212.60M | 238.97M | 193.56M |
| Trading Asset Securities | 142.00K | 15.00K | 11.00K | 1.22M | ||
| Mortgage-Backed Securities | 106.16M | 110.86M | 113.32M | 111.78M | 77.70M | |
| Total Investments | 272.82M | 287.65M | 299.49M | 325.94M | 350.77M | 272.48M |
| Gross Loans | 1.72B | 1.52B | 1.52B | 1.48B | 1.36B | 934.86M |
| Allowance for Loan Losses | -19.49M | -17.37M | -16.85M | -16.44M | -14.00M | -12.50M |
| Other Adjustments to Gross Loans | -1.75M | -1.73M | ||||
| Net Loans | 1.70B | 1.50B | 1.50B | 1.47B | 1.34B | 920.64M |
| Property, Plant & Equipment | 99.54M | 101.44M | 101.54M | 94.28M | 84.32M | 67.27M |
| Goodwill | 34.74M | 34.74M | 34.74M | 34.74M | 34.74M | 20.80M |
| Other Intangible Assets | 2.56M | 3.31M | 4.50M | 5.88M | 7.46M | 1.78M |
| Loans Held for Sale | 12.81M | 7.45M | 13.37M | 11.43M | 8.25M | 25.82M |
| Accrued Interest Receivable | 16.75M | 14.45M | 12.89M | 12.48M | 11.28M | 5.75M |
| Other Current Assets | 960.00K | 1.30M | ||||
| Long-Term Deferred Tax Assets | 8.33M | 10.36M | 9.77M | 10.81M | ||
| Other Real Estate Owned & Foreclosed | 43.00K | 98.00K | 45.00K | 5.00K | 4.00K | |
| Other Long-Term Assets | 107.91M | 81.63M | 82.06M | 79.35M | 72.87M | 58.25M |
| Total Assets | 2.28B | 2.11B | 2.10B | 2.08B | 1.95B | 1.44B |
| Accrued Expenses | 46.50M | 19.33M | 21.64M | 28.47M | 17.98M | 13.53M |
| Interest Bearing Deposits | 1.35B | 594.80M | 629.07M | 597.68M | 524.30M | 408.81M |
| Institutional Deposits | 734.62M | 632.95M | 618.78M | 642.02M | 444.89M | |
| Non-Interest Bearing Deposits | 453.77M | 452.18M | 419.21M | 418.73M | 468.95M | 368.85M |
| Total Deposits | 1.80B | 1.78B | 1.68B | 1.64B | 1.64B | 1.22B |
| Short-Term Borrowings | 209.00K | 103.00K | 75.00K | 81.00K | 94.00K | |
| Current Portion of Long-Term Debt | 22.92M | 69.39M | 5.00M | |||
| Current Portion of Leases | 241.00K | |||||
| Long-Term Debt | 44.54M | 54.30M | 53.99M | 53.84M | 53.69M | 24.71M |
| Federal Home Loan Bank Debt, Long-Term | 196.76M | 140.93M | 175.74M | |||
| Long-Term Leases | 451.00K | 1.01M | 1.50M | 1.98M | 2.29M | |
| Trust Preferred Securities | 5.16M | 5.16M | 5.16M | 5.16M | 5.16M | |
| Pension & Post-Retirement Benefits | 6.64M | 6.47M | 6.42M | 6.41M | 5.21M | |
| Long-Term Deferred Tax Liabilities | 648.00K | |||||
| Other Long-Term Liabilities | 23.71M | 17.79M | ||||
| Total Liabilities | 2.09B | 1.91B | 1.93B | 1.91B | 1.79B | 1.28B |
| Common Stock | 85.00K | 85.00K | 85.00K | 85.00K | 85.00K | 71.00K |
| Additional Paid-In Capital | 108.44M | 108.09M | 108.33M | 108.82M | 109.16M | 80.83M |
| Retained Earnings | 118.75M | 111.52M | 101.26M | 96.02M | 92.02M | 85.38M |
| Treasury Stock | -11.37M | -11.57M | -10.76M | -11.12M | -11.34M | -7.32M |
| Comprehensive Income & Other | -23.77M | -16.31M | -24.16M | -24.53M | -31.51M | -2.24M |
| Shareholders' Equity | 192.13M | 191.81M | 174.76M | 169.27M | 158.42M | 156.73M |
| Total Liabilities & Equity | 2.28B | 2.11B | 2.10B | 2.08B | 1.95B | 1.44B |
| Total Debt | 241.30M | 83.27M | 201.19M | 236.31M | 130.30M | 37.26M |
| Net Cash (Debt) | -216.44M | -20.31M | -169.49M | -211.75M | -108.48M | 25.40M |
| Net Cash Per Share | -27.56 | -2.60 | -21.58 | -27.15 | -14.69 | 3.82 |
| Filing Date Shares Outstanding | 7.83M | 7.82M | 7.81M | 7.82M | 7.79M | 6.45M |
| Total Common Shares Outstanding | 7.83M | 7.81M | 7.86M | 7.82M | 7.79M | 6.55M |
| Book Value Per Share | 24.53 | 24.55 | 22.24 | 21.63 | 20.34 | 23.91 |
| Tangible Book Value | 154.83M | 153.76M | 135.53M | 128.65M | 116.22M | 134.15M |
| Tangible Book Value Per Share | 19.76 | 19.68 | 17.24 | 16.44 | 14.92 | 20.47 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 14.84M | 9.78M | 10.06M | 10.70M | 14.42M | |
| Depreciation & Amortization | 8.93M | 8.89M | 7.89M | 7.71M | 7.83M | |
| Gain (Loss) on Sale of Assets | -143.00K | -11.00K | -308.00K | -93.00K | ||
| Gain (Loss) on Sale of Investments | 708.00K | 1.17M | 1.27M | 1.49M | 1.26M | |
| Total Asset Writedown | -56.00K | -736.00K | ||||
| Provision for Credit Losses | 1.18M | 518.00K | 1.46M | 2.00M | 861.00K | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 12.04M | 3.45M | 6.07M | 36.18M | 74.88M | |
| Accrued Interest Receivable | -1.56M | -405.00K | -1.20M | -2.78M | 14.00K | |
| Change in Other Net Operating Assets | 5.85M | 14.59M | -3.34M | 3.58M | 2.76M | |
| Other Operating Activities | -2.08M | -3.56M | -2.14M | 1.03M | 313.00K | |
| Operating Cash Flow | 33.13M | 28.54M | 9.35M | 41.91M | 56.45M | |
| Capital Expenditures | -4.78M | -14.08M | -14.19M | -16.76M | -12.22M | |
| Sale of Property, Plant and Equipment | 125.00K | 60.00K | 1.01M | 845.00K | 1.38M | |
| Cash Acquisitions | 13.40M | |||||
| Investment in Securities | 20.07M | 24.29M | 38.59M | 5.88M | -115.93M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | 1.30M | -36.20M | -130.74M | -234.25M | -98.67M | |
| Other Investing Activities | 5.24M | -1.86M | -2.87M | -4.14M | -7.49M | |
| Investing Cash Flow | 21.96M | -27.80M | -108.20M | -235.04M | -232.92M | |
| Short-Term Debt Issued | 91.34M | 69.39M | ||||
| Long-Term Debt Issued | 35.00M | 135.00M | 15.00M | 40.00M | ||
| Total Debt Issued | 35.00M | 135.00M | 106.34M | 109.39M | ||
| Short-Term Debt Repaid | -32.91M | -107.72M | ||||
| Long-Term Debt Repaid | -120.00M | -62.08M | -37.85M | -12.07M | ||
| Total Debt Repaid | -152.91M | -169.81M | -37.85M | -12.07M | ||
| Net Debt Issued (Repaid) | -117.91M | -34.81M | 106.34M | 71.54M | -12.07M | |
| Repurchase of Common Stock | -1.57M | -419.00K | -231.00K | -4.43M | -6.28M | |
| Common Dividends Paid | -4.58M | -4.54M | -4.44M | -4.06M | -3.02M | |
| Net Increase (Decrease) in Deposit Accounts | 100.37M | 46.03M | -77.00K | 91.62M | 189.47M | |
| Other Financing Activities | -1.16M | |||||
| Financing Cash Flow | -23.69M | 6.27M | 101.59M | 153.51M | 168.10M | |
| Net Cash Flow | 31.40M | 7.01M | 2.73M | -39.62M | -8.37M | |
| Free Cash Flow | 28.34M | 14.46M | -4.84M | 25.15M | 44.24M | |
| Free Cash Flow Margin | 31.36% | 17.92% | -5.78% | 28.73% | 48.16% | |
| Free Cash Flow Per Share | 3.62 | 1.84 | -0.62 | 3.40 | 6.65 | |
| Cash Interest Paid | 37.12M | 37.91M | 24.82M | 4.95M | 3.47M | |
| Cash Income Tax Paid | 3.16M | 549.00K | 3.01M | 2.93M | 4.44M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 166.02M | 155.50M | 120.23M | 123.01M | 125.38M | 150.46M |
| Last Close Price | 21.21 | 19.52 | 14.53 | 14.37 | 14.10 | 19.53 |
| PE Ratio | 10.77 | 10.48 | 12.30 | 12.23 | 11.72 | 10.44 |
| PS Ratio | 1.76 | 1.72 | 1.49 | 1.47 | 1.43 | 1.64 |
| PB Ratio | 0.86 | 0.81 | 0.69 | 0.73 | 0.79 | 0.96 |
| P/FCF Ratio | 8.87 | 5.49 | 8.31 | 4.99 | 3.40 | |
| P/OCF Ratio | 7.31 | 4.69 | 4.21 | 13.16 | 2.99 | 2.67 |
| Debt / Equity Ratio | 1.26 | 0.43 | 1.15 | 1.40 | 0.82 | 0.24 |
| Debt / FCF Ratio | 2.94 | 13.91 | 5.18 | 0.84 | ||
| Net Debt / Equity Ratio | 1.13 | 0.11 | 0.97 | 1.25 | 0.69 | -0.16 |
| Net Debt / FCF Ratio | 0.72 | 11.72 | -43.72 | 4.31 | -0.57 | |
| Return on Equity (ROE) | 8.16% | 8.09% | 5.68% | 6.14% | 6.79% | 9.31% |
| Return on Assets (ROA) | 0.70% | 0.70% | 0.47% | 0.50% | 0.63% | 1.07% |
| Earnings Yield | 9.29% | 9.54% | 8.13% | 8.18% | 8.54% | 9.58% |
| FCF Yield | 11.28% | 18.23% | 12.03% | -3.94% | 20.06% | 29.40% |
| Dividend Yield | 2.78% | 2.90% | 3.71% | 3.55% | 3.34% | 2.06% |
| Payout Ratio | 29.96% | 30.86% | 46.38% | 44.17% | 37.95% | 20.93% |
| Buyback Yield / Dilution | -0.24% | 0.38% | -0.71% | -5.58% | -10.98% | 2.41% |
| Total Shareholder Return | 2.54% | 3.28% | 3.00% | -2.03% | -7.64% | 4.47% |