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Financials · EBMT

Eagle Bancorp Montana Inc. (EBMT) financials

For the twelve months ended Sep 30, 2026, Eagle Bancorp Montana Inc. reported $97.12M of revenue and $15.44M of net income.

Revenue, TTM
$97.12M
Revenue growth, YoY
+9.6%
Net income, TTM
$15.44M
Net income growth, YoY
+14.1%
Net margin
15.9%
Free cash flow, TTM
$21.10M
EPS, diluted, TTM
$1.98
EPS growth, YoY
+15.1%
Cash
$24.86M
Total debt
$44.54M
P/E
10.41
P/S
1.66
Market cap
$160.8M
Annual revenue$91.57M
FY2016FY2025
Annual net income$14.84M
FY2016FY2025
Annual free cash flow$28.34M
FY2016FY2025

EBMT revenue and earnings growth

EBMT revenueQ3 2026$25.08M

Quarter YoY
+7.2%
QoQ
+3.8%
FY YoY
+12.8%
5Y CAGR
-0.1%
10Y CAGR
+11.9%

EBMT revenue was $25.08M in fiscal Q3 2026 (ended Sep 30, 2026), up 7.2% from a year earlier and up 3.8% from the prior quarter. For the full fiscal 2025 it was $91.57M, up 12.8% from fiscal 2024. Compound annual growth was -0.1% over 5 years and +11.9% over 10 years. It rose in 7 of the last 10 fiscal years.

EBMT net incomeQ3 2026$3.01M

Quarter YoY
-17.0%
QoQ
-18.9%
FY YoY
+51.7%
5Y CAGR
-6.9%
10Y CAGR
+19.1%

EBMT net income was $3.01M in fiscal Q3 2026 (ended Sep 30, 2026), down 17.0% from a year earlier and down 18.9% from the prior quarter. For the full fiscal 2025 it was $14.84M, up 51.7% from fiscal 2024. Compound annual growth was -6.9% over 5 years and +19.1% over 10 years. It rose in 5 of the last 10 fiscal years.

EBMT EPSQ3 2026$0.38

Quarter YoY
-17.4%
QoQ
-19.1%
FY YoY
+53.2%
5Y CAGR
-9.4%
10Y CAGR
+11.0%

EBMT diluted EPS was $0.38 in fiscal Q3 2026 (ended Sep 30, 2026), down 17.4% from a year earlier and down 19.1% from the prior quarter. For the full fiscal 2025 it was $1.90, up 53.2% from fiscal 2024. Compound annual growth was -9.4% over 5 years and +11.0% over 10 years.

EBMT free cash flowQ3 2026$9.47M

Quarter YoY
+33.5%
FY YoY
+96.0%
10Y CAGR
+20.9%

EBMT free cash flow was $9.47M in fiscal Q3 2026 (ended Sep 30, 2026), up 33.5% from a year earlier. For the full fiscal 2025 it was $28.34M, up 96.0% from fiscal 2024. Compound annual growth was +20.9% over 10 years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$91.57M$81.21M$85.20M$89.53M$92.72M$92.24M$62.63M$41.86M$38.10M$36.78M
Interest expense--$29.14M$6.15M$3.21M$6.48M$7.73M$5.10M$4.09M$3.12M
Pre-tax income$18.89M$11.39M$11.65M$13.85M$19.28M$28.44M$13.97M$5.90M$6.23M$6.93M
Income tax$4.06M$1.61M$1.60M$3.15M$4.86M$7.23M$3.10M$914.0K$2.13M$1.80M
Net income$14.84M$9.78M$10.06M$10.70M$14.42M$21.21M$10.87M$4.98M$4.10M$5.13M
EPS, basic$1.90$1.25$1.29$1.45$2.17$3.12$1.69$0.92$1.01$1.36
EPS, diluted$1.90$1.24$1.29$1.45$2.17$3.11$1.69$0.91$0.99$1.32
Diluted shares7.8M7.9M7.8M7.4M6.7M6.8M6.4M5.5M4.1M3.9M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$62.96M$31.56M$24.55M$21.81M$61.43M$69.80M$24.92M$11.20M$7.44M$7.32M
Goodwill$34.74M$34.74M$34.74M$34.74M$20.80M$20.80M$15.84M$12.12M$7.03M$7.03M
Total assets$2.11B$2.10B$2.08B$1.95B$1.44B$1.26B$1.05B$853.90M$716.78M$673.92M
Total debt$44.45M$59.15M$59.00M$58.84M$29.87M$29.79M$24.94M$24.88M$24.81M$14.97M
Total liabilities$1.91B$1.93B$1.91B$1.79B$1.28B$1.10B$932.60M$759.10M$633.17M$614.47M
Shareholders' equity$191.81M$174.76M$169.27M$158.42M$156.73M$152.94M$121.66M$94.81M$83.62M$59.46M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$33.13M$28.54M$9.35M$41.91M$56.45M$2.12M$366.0K$13.57M$20.05M$12.89M
Capital expenditures$4.78M$14.08M$14.19M$16.76M$12.22M$20.64M$10.54M$7.06M$3.54M$2.25M
Free cash flow$28.34M$14.46M-$4.84M$25.15M$44.24M-$18.52M-$10.18M$6.51M$16.52M$10.65M
Investing cash flow$21.96M-$27.80M-$108.20M-$235.04M-$232.92M-$22.04M-$59.70M-$50.92M-$56.79M-$51.13M
Financing cash flow-$23.69M$6.27M$101.59M$153.51M$168.10M$64.80M$73.05M$41.12M$36.86M$38.12M
Dividends paid$4.58M$4.54M$4.44M$4.06M$3.02M$2.62M$2.41M$2.00M$1.40M$1.19M
Share repurchases$1.57M$419.0K$231.0K$4.43M$6.28M$987.0K$1.21M---

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY12.8%-4.7%-4.8%-3.4%0.5%47.3%49.6%9.9%3.6%23.5%
Net income growth, YoY51.7%-2.8%-6.0%-25.8%-32.0%95.1%118.2%21.4%-20.1%98.9%
EPS growth, YoY53.2%-3.9%-11.0%-33.2%-30.2%84.0%85.7%-8.1%-25.0%97.0%
Net margin16.2%12.0%11.8%12.0%15.6%23.0%17.4%11.9%10.8%14.0%
Free cash flow margin31.0%17.8%-5.7%28.1%47.7%-20.1%-16.3%15.5%43.4%28.9%
Return on equity7.7%5.6%5.9%6.8%9.2%13.9%8.9%5.3%4.9%8.6%
Return on assets0.7%0.5%0.5%0.5%1.0%1.7%1.0%0.6%0.6%0.8%
Debt to equity0.230.340.350.370.190.190.210.260.300.25

Source: XBRL data Eagle Bancorp Montana Inc. files with the SEC, latest filing dated Nov 4, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

EBMT peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
EBMT$97.12M+9.6%$15.44M15.9%$160.8M
JPM$203.15B+13.2%$65.98B32.5%$919.35B
BAC$120.16B+5.4%$32.24B26.8%$352.05B
WFC$87.23B+5.4%$22.97B26.3%$258.31B
C$85.22B+5.6%$14.31B16.8%$205.26B
UBS$49.57B+2.0%$7.80B15.7%$149.91B
MFG¥8.79T+7.6%¥1.16T13.2%$128.73B
COF$63.01B+31.2%$10.87B17.2%$117.35B
BNSC$37.74B+12.1%C$7.79B20.6%$113.53B

EBMT FAQ

8 questions
  • What is EBMT revenue?
    Eagle Bancorp Montana Inc. (EBMT) reported $97.12M of revenue for the twelve months ended Sep 30, 2026. That is up 9.6% from the year before. Revenue for fiscal 2025 was $91.57M.
  • Is EBMT profitable?
    Yes. Eagle Bancorp Montana Inc. earned $15.44M in net income for the twelve months ended Sep 30, 2026, a net margin of 15.9%.
  • How much cash and debt does EBMT have?
    Eagle Bancorp Montana Inc. reported $24.86M in cash and cash equivalents and $44.54M of debt on its most recent balance sheet in SEC filings.
  • How fast is EBMT revenue growing?
    Eagle Bancorp Montana Inc.'s revenue changed +12.8% in fiscal 2025, to $91.57M. Its compound annual growth rate was -0.1% over 5 years and +11.9% over 10 years.
  • What is EBMT free cash flow?
    Eagle Bancorp Montana Inc. generated $21.10M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $24.13M less capital expenditures.
  • What is EBMT earnings per share?
    Diluted earnings per share were $1.98 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did EBMT last report financial results?
    The latest statements here come from Eagle Bancorp Montana Inc.'s 10-Q filed on Nov 4, 2026, covering the period ended Sep 30, 2026.
  • Where does this EBMT financial data come from?
    Quantisnow builds these statements from the structured XBRL data Eagle Bancorp Montana Inc. files with the SEC. It is provided for information only and is not investment advice.