Eagle Bancorp Montana (EBMT)
NASDAQ:EBMT
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Eagle Bancorp Montana
(NASDAQ:EBMT)
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Rating:70Outperform
Price Target:
$23.50
▲(7.21% Upside)
Action:ReiteratedDate: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.
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.
Read all positive and negative factors
Positive Factors
Negative 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.
Read all positive factors
Eagle Bancorp Montana (EBMT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$174.60M
Dividend Yield2.93%
Average Volume (3M)20.33K
Price to Earnings (P/E)10.5
Beta (1Y)0.65
Revenue Growth6.10%
EPS Growth59.32%
CountryUS
Employees372
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.60
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 Cap1.33
Enterprise Value/Revenue1.85
Enterprise Value/Gross Profit2.61
Enterprise Value/Ebitda9.03
Forecast
1Y Price Target
$23.00Price Target Upside4.93% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)2.02
Revenue Forecast (FY)$95.75M
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 a...
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 i...
Eagle Bancorp Montana Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
72
Positive
Cash Flow
68
Positive
| 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
Positive
21.92
Price Trends
21.66
Positive
20.21
Positive
18.41
Positive
Market Momentum
0.12
Negative
60.16
Neutral
87.91
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EBMT, the sentiment is Positive. The current price of 21.92 is above the 20-day moving average (MA) of 20.88, above the 50-day MA of 21.66, and above the 200-day MA of 18.41, indicating a bullish trend. The MACD of 0.12 indicates Negative momentum. The RSI at 60.16 is Neutral, neither overbought nor oversold. The STOCH value of 87.91 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
70 Outperform | $174.60M | 10.47 | 8.06% | 2.93% | 6.10% | 59.32% | |
68 Neutral | $173.46M | 13.95 | 7.66% | ― | 22.30% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $135.98M | 14.73 | 6.68% | ― | 5.18% | 36.12% | |
58 Neutral | $151.57M | 18.59 | 5.01% | 0.97% | -7.20% | -29.17% | |
47 Neutral | $154.46M | -1.34 | -23.30% | 0.84% | 1.33% | -593.24% |
* Financial Sector Average
EBMT
Eagle Bancorp Montana
21.92
6.52
42.29%
FGBI
First Guaranty Bancshares
9.78
1.69
20.83%
AFBI
Affinity Bancshares
22.31
4.65
26.33%
RBKB
Rhinebeck Bancorp
15.57
5.38
52.80%
FNWD
Finward Bancorp
35.00
6.06
20.93%
ECBK
ECB Bancorp, Inc.
18.67
3.92
26.58%
Eagle Bancorp Montana Corporate Events
Business Operations and StrategyExecutive/Board Changes
Eagle Bancorp Montana Announces Lending Leadership Transition
Neutral
Feb 26, 2026
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...
Business Operations and StrategyFinancial Disclosures
Eagle Bancorp Montana Highlights 2025 Results and Strategy
Positive
Feb 4, 2026
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 fr...
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.