Eagle Bancorp Montana, Inc. (EBMT) AI Stock Analysis

Eagle Bancorp Montana, Inc. serves as the bank holding company for Opportunity Bank of Montana, delivering retail banking products and services to small businesses and individuals throughout Montana. Founded in 1922 and based in Helena, Montana, the bank offers deposit products including checking, savings, money market, individual retirement accounts, and certificates of deposit. Its lending activities include 1-4 family residential mortgage loans, commercial real estate loans, multi-family dwellings, commercial construction loans, and agricultural loans. Additionally, it provides consumer loans secured by automobiles, recreational vehicles, and boats, as well as personal loans and lines of credit across multiple branch locations.

Between FY2020 and FY2025, Eagle Bancorp Montana expanded revenue at a 5-year CAGR of 6.9%. Annual revenue grew from $93.2M in FY2021 to $112.5M in FY2023, $120.4M in FY2024, and $126.0M in FY2025. Net income was $14.4M in FY2021, dipped to $9.8M in FY2024, and recovered to $14.8M in FY2025, yielding EPS of $1.88 and a net margin of 11.8%. Operating margin stood at 15.0% in FY2025, down from 20.7% in FY2021. For the trailing twelve months ended June 30, 2026, revenue was $94.7M with an operating margin of 22.3%. In the latest quarter ended June 30, 2026, quarterly revenue grew 8.7% year-over-year while quarterly earnings grew 14.6%.

As of June 30, 2026, Eagle Bancorp Montana reported total assets of $2.13B and shareholders' equity of $197.3M. Cash and short-term investments totaled $311.8M against total debt of $96.6M, resulting in net cash of $215.2M. The debt-to-equity ratio was 0.49, while the current ratio was 0.02. In FY2025, operating cash flow reached $33.1M and free cash flow was $28.3M. Capital allocation in FY2025 included $4.8M in capital expenditures, $4.6M in dividends paid, and $1.6M in share buybacks.

At its last close of $20.97 on October 16, 2026, Eagle Bancorp Montana had a market capitalization of $167.0M and an enterprise value of $231.9M. The stock traded at a trailing P/E of 10.2x and a forward P/E of 10.2x, below the median of its US-listed Financial Services peers of 12.1x trailing and 10.8x forward. Its price-to-book stood at 0.9x and price-to-sales was 1.8x, compared to the peer median price-to-sales of 3.2x. Over the past year, EBMT returned 29.9%, outperforming the S&P 500 (SPY) return of 16.8%, but its 5-year return of 10.3% trailed SPY's 83.0%.

Eagle Bancorp Montana pays a quarterly dividend with an annual forward dividend of $0.59, representing a dividend yield of 2.81%. The dividend payout ratio is 28.6%. The company has paid dividends for 27 consecutive years, posting an annualized 5-year dividend growth rate of 8.3%. Its last ex-dividend date was August 14, 2026.

Wall Street coverage includes 3 Hold ratings, with 0 Buy, 0 Strong Buy, 0 Sell, and 0 Strong Sell ratings. The mean price target is $24.00, representing an upside of 14.4% from the last close of $20.97. For the fiscal year ending December 31, 2026, analysts estimate revenue of $77.2M and EPS of $2.04, reflecting 7.2% EPS growth. Over the last four quarters, the company beat EPS estimates 2 times. The next earnings date is October 27, 2026.

This page is an AI-written research summary of Eagle Bancorp Montana, Inc. (EBMT). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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