Eagle Bancorp Montana (EBMT) AI Stock Analysis

• Market Cap: $167.04M
• Dividend Yield: 2.93%
• Average Volume (3M): 20.33K
• Price to Earnings (P/E): 10.5
• Beta (1Y): 0.62
• Revenue Growth: 6.10%
• EPS Growth: 59.32%
• Country: US
• Employees: 372
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.60
• Shares Outstanding: 7,965,431
• 10 Day Avg. Volume: 22,384
• 30 Day Avg. Volume: 20,328
• PEG Ratio: 0.20
• Price to Book (P/B): 0.81
• Price to Sales (P/S): 1.23
• P/FCF Ratio: 5.48
• Enterprise Value/Market Cap: 1.35
• Enterprise Value/Revenue: 1.79
• Enterprise Value/Gross Profit: 2.52
• Enterprise Value/Ebitda: 8.73
• 1Y Price Target: $23.00
• Price Target Upside: 9.68% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): 2.02
• Revenue Forecast (FY): $95.75M

• Rating: 70 Outperform
• Price Target: $23.50 ▲(12.06% Upside)
• Action: Reiterated Date: 03/10/26
• Date: Action: Reiterated 03/10/26

The score is driven primarily by improved 2025 financial performance (growth, profitability rebound, reduced leverage, and stronger free cash flow) and supportive valuation (low P/E with a decent yield). These positives are tempered by weaker near-term technical momentum (below shorter-term moving averages with subdued RSI/Stoch), while the recent corporate update is modestly supportive.

Positive Factors

Revenue & Profit Recovery

Sustained revenue acceleration and improved operating and net margins in 2025 reflect stronger loan and fee generation from the core franchise. Durable top-line growth supports reinvestment in branches and digital channels, better provisioning coverage, and steadier earnings power over coming quarters.

Stronger Balance Sheet

Material deleveraging and equity growth in 2025 restore a more conservative capital structure. Lower leverage increases resilience to rate or credit shocks, expands capacity for lending and selective acquisitions, and strengthens regulatory and capital flexibility for durable strategic execution.

Low NPAs and Deposit Strategy

Very low NPAs and a large deposits base focused on expanding lower-cost core funding underpin stable net interest income and liquidity. High asset quality reduces expected credit losses and, combined with durable core deposits, supports sustained lending and margin stability over time.

Negative Factors

Margins & ROE Below Peak

Although profitability improved in 2025, persistent margins and ROE below prior cycle highs suggest structural pressure on earnings efficiency. If margin recovery stalls, the bank may struggle to consistently generate high ROE, limiting long-term capital returns and reinvestment capacity.

Volatile Free Cash Flow

An uneven FCF history creates uncertainty around internal funding for dividends, acquisitions and balance sheet repair. Despite a strong 2025 rebound, recurring volatility diminishes predictability of capital allocation and forces more conservative external financing or retained earnings strategies.

Lending Leadership Transition

A change in lending leadership can materially affect underwriting consistency, client relationships and loan growth execution. Even with internal continuity, the transition raises medium-term execution risk for origination strategy and credit oversight during handoff and strategic recalibration.

Eagle Bancorp Montana Business Overview & Revenue Model

Company Description

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 23 full-service branches, 1 community banking office, and 25 automated teller machines. Eagle Bancorp Montana, Inc. was founded in 1922 and is headquartered in Helena, Montana.

How the Company Makes Money

Eagle Bancorp Montana primarily generates earnings through its banking subsidiary by (1) collecting interest and fees on loans and (2) gathering customer deposits and other funding to support lending and investment activities. The largest driver is typically net interest income: the bank earns interest on interest-earning assets (such as commercial, real estate, and consumer loans and, to the extent applicable, investment securities) and pays interest on funding sources (primarily deposit accounts such as checking, savings, money market, and certificates of deposit); the spread between these rates, adjusted for asset/liability mix and credit costs, contributes to profit. The company also earns noninterest income from banking-related fees and service charges (for example, account service fees and other transaction-based or service-related fees); if specific fee categories or amounts are not publicly available in the provided context, they are null. Key factors that influence earnings include loan growth and mix, deposit growth and pricing, changes in market interest rates (which affect asset yields and funding costs), credit performance and loan loss provisioning, and operating efficiency. Significant partnerships contributing to earnings: null.

Eagle Bancorp Montana Financial Statement Overview

Summary

Improving fundamentals in 2025 with faster revenue growth, meaningfully better profitability, sharply reduced leverage, and much stronger free cash flow coverage of net income. Offsetting factors are margins/ROE still below 2020–2021 peaks and a historically volatile free cash flow track record.

Income Statement

Revenue has risen steadily from 2022–2025, with 2025 showing a sharp acceleration versus 2024. Profitability improved meaningfully in 2025 (higher operating and net margins, and higher net income), but margins remain below the stronger 2020–2021 levels, suggesting some longer-term compression from the prior peak.

Balance Sheet

Leverage improved dramatically in 2025, with debt dropping sharply and the debt-to-equity ratio moving from elevated levels in 2023–2024 back to a more conservative position. Equity has grown over time and returns on equity have improved versus 2024, though they are still below the 2020–2021 peak—indicating a stronger balance sheet now, but not yet back to prior profitability efficiency.

Cash Flow

Cash generation strengthened in 2025: operating cash flow rose and free cash flow jumped materially, with free cash flow fully covering net income (and improving from roughly half of net income in 2024). The main concern is volatility—free cash flow was negative in 2020 and 2023—so while the latest year is strong, the track record is uneven.

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	125.97M	120.42M	112.45M	93.65M	93.19M
Gross Profit	89.32M	79.13M	81.86M	85.50M	89.13M
EBITDA	25.79M	20.28M	19.55M	21.56M	27.11M
Net Income	14.84M	9.78M	10.06M	10.70M	14.42M
Balance Sheet
Total Assets	2.11B	2.10B	2.08B	1.95B	1.44B
Cash, Cash Equivalents and Short-Term Investments	305.80M	150.94M	342.82M	371.31M	325.87M
Total Debt	82.47M	200.08M	234.74M	128.24M	34.87M
Total Liabilities	1.91B	1.93B	1.91B	1.79B	1.28B
Stockholders Equity	191.81M	174.76M	169.27M	158.42M	156.73M
Cash Flow
Free Cash Flow	28.34M	14.46M	-4.84M	25.15M	44.24M
Operating Cash Flow	33.13M	28.54M	9.35M	41.91M	56.45M
Investing Cash Flow	21.96M	-27.80M	-108.20M	-235.04M	-232.92M
Financing Cash Flow	-23.69M	6.27M	101.59M	153.51M	168.10M

Eagle Bancorp Montana Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 20.97
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EBMT, the sentiment is Neutral. The current price of 20.97 is below the 20-day moving average (MA) of 21.79, below the 50-day MA of 21.42, and above the 200-day MA of 17.96, indicating a neutral trend. The MACD of -0.20 indicates Positive momentum. The RSI at 40.69 is Neutral, neither overbought nor oversold. The STOCH value of 16.02 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for EBMT.

Eagle Bancorp Montana Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FNWD	73 Outperform	$164.17M	18.95	5.01%	0.97%	-7.20%	-29.17%
EBMT	70 Outperform	$167.04M	10.47	7.43%	2.93%	6.10%	59.32%
RBKB	68 Neutral	$170.56M	12.98	7.66%	―	22.30%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AFBI	64 Neutral	$114.84M	15.07	6.68%	―	5.18%	36.12%
FGBI	61 Neutral	$129.43M	-1.34	-23.30%	0.84%	1.33%	-593.24%

Eagle Bancorp Montana Corporate Events

Eagle Bancorp Montana Announces Lending Leadership Transition

On February 22, 2026, Eagle Bancorp Montana, Inc. announced that Senior Vice President and Chief Lending Officer Mark A. O’Neill would step down from his executive role at the Company and Opportunity Bank of Montana, effective March 10, 2026. His Chief Lending Officer duties will be assumed on an interim basis by Chief Operating Officer Darryl Rensmon, while O’Neill remains with the organization as Vice President / Business Development Officer to support strategic market initiatives, with the Company emphasizing that the transition did not stem from any disagreement over operations, policies, or practices.

The leadership change reallocates lending oversight to an existing senior executive while retaining O’Neill’s expertise in a business development capacity, suggesting a managed, non-contentious realignment of responsibilities rather than a disruption. This move may influence how the bank executes its lending strategy and growth plans in its markets, but the continuity of O’Neill’s employment and the interim appointment of the COO signal an effort to maintain stability for customers, employees, and other stakeholders during the transition.

The most recent analyst rating on (EBMT) stock is a Buy with a $25.00 price target. To see the full list of analyst forecasts on Eagle Bancorp Montana stock, see the EBMT Stock Forecast page.

Eagle Bancorp Montana Highlights 2025 Results and Strategy

Executive officers of Eagle Bancorp Montana plan to present to institutional investors during the first full week of February 2026, including at the Janney 2026 CEO Forum on February 4-5, 2026, highlighting the company’s community banking franchise, financial performance for 2025, and strategic direction. As of December 31, 2025, the bank reported $2.106 billion in assets, $1.519 billion in gross loans, $1.782 billion in deposits, and $191.8 million in equity, with strong asset quality reflected in nonperforming assets at 0.27% of total assets, 2025 net income of $14.8 million, and solid profitability metrics; the investor outreach underscores its focus on continued loan diversification into commercial and agricultural segments, growth in lower-cost core deposits, and disciplined expansion through selective acquisitions, supported by a seasoned executive team and experienced board.

The most recent analyst rating on (EBMT) stock is a Buy with a $25.00 price target. To see the full list of analyst forecasts on Eagle Bancorp Montana stock, see the EBMT Stock Forecast page.