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Eagle Bancorp Montana
(NASDAQ:EBMT)
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Rating:63Neutral
Price Target:
$25.00
▲(6.97% Upside)
Action:Downgraded
Date:08/06/26
EBMT scores in the low-to-mid 60s primarily due to mixed financial performance: improved leverage and solid profitability are offset by a meaningful TTM revenue decline and weakening/volatile free cash flow. Technicals are mildly positive (price above key moving averages with positive MACD), and valuation is supportive with a modest P/E and moderate dividend yield.
Positive Factors
Solid Profitability
A roughly 16% TTM net margin and slightly higher net income indicate the bank is still converting its lending and fee-based operations into earnings. This provides an earnings cushion over the next several months, although it does not remove revenue and margin risks.
Negative Factors
Revenue Contraction
TTM revenue fell about 22% versus the prior period provided, signaling weaker operating momentum. For a community bank dependent on lending, deposits, and related services, sustained top-line weakness can constrain future earnings expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Solid Profitability
A roughly 16% TTM net margin and slightly higher net income indicate the bank is still converting its lending and fee-based operations into earnings. This provides an earnings cushion over the next several months, although it does not remove revenue and margin risks.
Read all positive factors
Eagle Bancorp Montana (EBMT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$182.01M
Dividend Yield2.55%
Average Volume (3M)20.33K
Price to Earnings (P/E)11.1
Beta (1Y)0.56
Revenue Growth1.82%
EPS Growth27.47%
CountryUS
Employees355
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.06
Shares Outstanding7,965,431
10 Day Avg. Volume22,384
30 Day Avg. Volume20,328
Financial Highlights & Ratios
PEG Ratio0.20
Price to Book (P/B)0.81
Price to Sales (P/S)1.23
P/FCF Ratio5.48
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$26.00Price Target Upside11.25% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)2.04
Revenue Forecast (FY)$95.00M
Eagle Bancorp Montana Business Overview & Revenue Model
Company Description
Eagle Bancorp Montana, Inc. serves as the parent company for Opportunity Bank of Montana, delivering a comprehensive array of retail banking products and financial services. Its primary clientele comprises small businesses and individual customers...
How the Company Makes Money
Eagle Bancorp Montana makes money primarily through the operations of Opportunity Bank of Montana. The core revenue stream is net interest income: the bank earns interest and fees on loans (such as commercial, consumer, and real estate-related len...
Eagle Bancorp Montana Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
66
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 99.21M | 125.97M | 120.42M | 112.45M | 93.65M | 93.19M |
| Gross Profit | 66.21M | 89.32M | 79.13M | 81.86M | 85.50M | 89.13M |
| EBITDA | 13.56M | 25.79M | 20.28M | 19.55M | 21.56M | 27.11M |
| Net Income | 16.06M | 14.84M | 9.78M | 10.06M | 10.70M | 14.42M |
Balance Sheet | ||||||
| Total Assets | 2.13B | 2.11B | 2.10B | 2.08B | 1.95B | 1.44B |
| Cash, Cash Equivalents and Short-Term Investments | 311.80M | 305.80M | 150.94M | 342.82M | 371.31M | 325.87M |
| Total Debt | 96.61M | 82.47M | 200.08M | 234.74M | 128.24M | 34.87M |
| Total Liabilities | 1.93B | 1.91B | 1.93B | 1.91B | 1.79B | 1.28B |
| Stockholders Equity | 197.32M | 191.81M | 174.76M | 169.27M | 158.42M | 156.73M |
Cash Flow | ||||||
| Free Cash Flow | 18.72M | 28.34M | 14.46M | -4.84M | 25.15M | 44.24M |
| Operating Cash Flow | 22.70M | 33.13M | 28.54M | 9.35M | 41.91M | 56.45M |
| Investing Cash Flow | 14.38M | 21.96M | -27.80M | -108.20M | -235.04M | -232.92M |
| Financing Cash Flow | -35.05M | -23.69M | 6.27M | 101.59M | 153.51M | 168.10M |
Eagle Bancorp Montana Technical Analysis
Neutral
23.37
Price Trends
23.33
Negative
22.62
Positive
21.09
Positive
Market Momentum
-0.06
Positive
42.96
Neutral
27.06
Neutral
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 23.37 is below the 20-day moving average (MA) of 23.40, above the 50-day MA of 23.33, and above the 200-day MA of 21.09, indicating a neutral trend. The MACD of -0.06 indicates Positive momentum. The RSI at 42.96 is Neutral, neither overbought nor oversold. The STOCH value of 27.06 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for EBMT.
Eagle Bancorp Montana Risk Analysis
Eagle Bancorp Montana disclosed 31 risk factors in its most recent earnings report. Eagle Bancorp Montana reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Eagle Bancorp Montana Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | $198.58M | 13.80 | 7.20% | ― | 34.21% | ― | |
69 Neutral | $188.49M | 19.00 | 5.68% | 1.08% | 0.32% | 84.94% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $182.01M | 11.09 | 8.36% | 2.48% | 1.82% | 27.47% | |
45 Neutral | $145.05M | -3.40 | -16.19% | 0.84% | -8.66% | -155.96% |
* Financial Sector Average
EBMT
Eagle Bancorp Montana
22.85
6.10
36.43%
FGBI
First Guaranty Bancshares
8.77
1.01
13.04%
RBKB
Rhinebeck Bancorp
12.70
3.20
33.68%
FNWD
Finward Bancorp
43.50
13.50
45.01%
ECBK
ECB Bancorp, Inc.
20.62
3.50
20.44%
Eagle Bancorp Montana Corporate Events
Executive/Board Changes
Eagle Bancorp Montana Announces Board Leadership Changes
Neutral
Jul 17, 2026
On May 28, 2026, Eagle Bancorp Montana appointed its President, P. Darryl Rensmon, to the Company’s Board of Directors effective June 1, 2026, with no special arrangements, related-party transactions, or family relationships involved, and no...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.