Eagle Bancorp Montana, Inc. (EBMT) Balance Sheet
EBMT balance sheet, 2025
December 31, 2025 · U.S. dollars$2.11B assets = $1.91B liabilities + $191.8M equity
Both columns are drawn to the same scale: what EBMT owns equals what it owes plus shareholders’ equity. Hover a block for its value.
EBMT financial health
Descriptive bands, not a rating. Fiscal 2025.
EBMT balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $673.9M2016 | $2.11B2025 | +13.5%/yr | |
| Total liabilities | $614.5M2016 | $1.91B2025 | +13.5%/yr | |
| Shareholders’ equity | $59.5M2016 | $191.8M2025 | +13.9%/yr | |
| Cash & short-term investments | $135.8M2016 | $305.8M2025 | +9.4%/yr | |
| Total debt | $97.4M2016 | $82.5M2025 | −1.8%/yr | |
| Net cash (debt) | $38.4M2016 | $223.3M2025 | +$185.0M | |
| Working capital | −$379.2M2016 | −$132.0M2025 | +$247.2M | |
| Book value per share | $15.352016 | $24.512025 | +5.3%/yr | |
| Debt / equity | 1.642016 | 0.432025 | −1.21 | |
| Shares outstanding | 3.9M2016 | 7.8M2025 | +8.1%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
EBMT assets
EBMT liabilities and equity
EBMT debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
EBMT balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $305.8M | $150.9M | $342.8M | $371.3M | $325.9M | $225.1M | $149.3M | $153.4M | $139.5M | $135.8M |
| Cash & equivalents | $24.1M | $31.6M | $24.5M | $21.8M | $54.6M | $62.2M | $22.4M | $11.2M | $7.4M | $7.3M |
| Short-term investments | $281.7M | $119.4M | $318.3M | $349.5M | $271.3M | $162.9M | $126.9M | $142.2M | $132.0M | $128.4M |
| Receivables | $14.4M | $12.9M | $12.5M | $11.3M | $5.8M | $5.8M | $4.6M | $3.5M | $2.6M | $2.1M |
| Inventory | $0 | $0 | −$1.46B | −$34.4M | −$67.2M | −$75.6M | −$29.5M | −$658.0M | −$546.2M | −$510.5M |
| Other current assets | $0 | $0 | $1.46B | $34.4M | $67.2M | $75.6M | $29.5M | $658.0M | $546.2M | $510.5M |
| Total current assets | $320.2M | $163.8M | $355.3M | $382.6M | $331.6M | $230.9M | $153.8M | $156.8M | $142.0M | $137.9M |
| Property, plant & equipment (net) | $101.4M | $101.5M | $94.3M | $84.3M | $67.3M | $58.8M | $40.1M | $29.3M | $22.0M | $19.4M |
| Goodwill & intangible assets | $38.1M | $54.6M | $56.5M | $57.6M | $36.3M | $33.2M | $27.4M | $20.7M | $13.9M | $13.3M |
| Long-term investments | $261.7M | $292.6M | $318.3M | $349.5M | $271.3M | $1.05B | $927.7M | $142.3M | $132.2M | $128.6M |
| Other non-current assets | $1.38B | $1.49B | $1.25B | $1.07B | $729.5M | $0 | $0 | $504.7M | $406.7M | $374.8M |
| Total assets | $2.11B | $2.10B | $2.08B | $1.95B | $1.44B | $1.26B | $1.05B | $853.9M | $716.8M | $673.9M |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $26.5M | $1.22B | $24.3M | $9.8M | $5.4M | $4.8M | $4.3M |
| Short-term debt | $105,000 | $113.4M | $161.1M | $69.9M | $15.5M | $12.5M | $84.3M | $90.5M | $42.9M | $55.4M |
| Total current liabilities | $452.3M | $1.68B | $1.64B | $1.38B | $865.2M | $1.06B | $818.8M | $632.0M | $525.4M | $517.1M |
| Long-term debt | $82.4M | $200.1M | $234.7M | $58.8M | $29.9M | $29.8M | $24.9M | $24.9M | $24.8M | $15.0M |
| Other long-term liabilities | $1.38B | $47.0M | $36.5M | $1.73B | $5.6M | $17.5M | $88.8M | $102.2M | $83.0M | $82.4M |
| Total liabilities | $1.91B | $1.93B | $1.91B | $1.79B | $35.5M | $1.10B | $932.6M | $759.1M | $633.2M | $614.5M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $85,000 | $85,000 | $85,000 | $85,000 | $71,000 | $71,000 | $67,000 | $57,000 | $53,000 | $41,000 |
| Retained earnings (deficit) | $111.5M | $101.3M | $96.0M | $92.0M | $85.4M | $74.0M | $55.4M | $46.9M | $43.9M | $41.2M |
| Treasury stock | — | — | — | −$11.3M | −$7.3M | −$4.4M | −$3.6M | −$2.6M | −$2.8M | −$3.0M |
| Accumulated other comprehensive income | −$12.9M | −$20.1M | −$19.9M | −$26.4M | $3.5M | $5.9M | $1.3M | −$1.1M | $313,000 | −$411,000 |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $191.8M | $174.8M | $169.3M | $158.4M | $1.40B | $152.9M | $121.7M | $94.8M | $83.6M | $59.5M |
| Key figures | ||||||||||
| Total debt | $82.5M | $200.1M | $234.7M | $128.8M | $45.4M | $46.9M | $113.3M | $127.1M | $107.8M | $97.4M |
| Net cash (debt) | $223.3M | −$49.1M | $108.1M | $242.5M | $280.5M | $178.3M | $36.0M | $26.3M | $31.7M | $38.4M |
| Working capital | −$132.0M | −$1.52B | −$1.28B | −$996.3M | −$533.6M | −$826.5M | −$665.0M | −$475.2M | −$383.4M | −$379.2M |
| Tangible book value | $153.8M | $120.2M | $112.8M | $100.8M | $1.36B | $119.7M | $94.3M | $74.1M | $69.7M | $46.2M |
| Book value per share | $24.51 | $22.25 | $21.71 | $21.45 | $210.41 | $22.42 | $18.90 | $17.27 | $20.23 | $15.35 |
| Shares outstanding | 7.8M | 7.9M | 7.8M | 7.4M | 6.7M | 6.8M | 6.4M | 5.5M | 4.1M | 3.9M |
| Current ratio | 0.71 | 0.10 | 0.22 | 0.28 | 0.38 | 0.22 | 0.19 | 0.25 | 0.27 | 0.27 |
| Quick ratio | 0.71 | 0.10 | 0.22 | 0.28 | 0.38 | 0.22 | 0.19 | 0.25 | 0.27 | 0.27 |
| Debt / equity | 0.43 | 1.14 | 1.39 | 0.81 | 0.03 | 0.31 | 0.93 | 1.34 | 1.29 | 1.64 |
| Equity / assets | 9.1% | 8.3% | 8.2% | 8.1% | 97.5% | 12.2% | 11.5% | 11.1% | 11.7% | 8.8% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $311.8M | $294.3M | $305.8M | $289.6M | $140.2M | $142.1M | $150.9M | $349.2M | $330.6M | $332.1M | $342.8M | $329.6M |
| Cash & equivalents | $26.1M | $19.4M | $24.1M | $29.5M | $26.9M | $22.8M | $31.6M | $42.2M | $23.8M | $20.9M | $24.5M | $20.8M |
| Short-term investments | $285.7M | $274.9M | $281.7M | $260.1M | $113.4M | $119.3M | $119.4M | $307.0M | $306.9M | $311.2M | $318.3M | $308.8M |
| Receivables | $14.2M | $13.6M | $14.4M | $16.9M | $14.7M | $13.3M | $12.9M | $14.8M | $13.2M | $12.0M | $12.5M | $13.7M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$37.0M | −$33.0M | $10.8M | −$34.4M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $257,000 | $37.0M | $33.0M | $0 | $34.4M |
| Total current assets | $40.4M | $307.9M | $320.2M | $306.5M | $154.9M | $155.3M | $163.8M | $364.3M | $343.8M | $344.2M | $355.3M | $343.2M |
| Property, plant & equipment (net) | $99.9M | $100.6M | $101.4M | $102.0M | $100.9M | $101.8M | $101.5M | $100.3M | $98.4M | $97.6M | $94.3M | $93.0M |
| Goodwill & intangible assets | $37.5M | $37.8M | $38.1M | $53.5M | $53.7M | $54.2M | $54.6M | $55.0M | $55.5M | $56.0M | $56.5M | $56.7M |
| Long-term investments | $265.8M | $255.2M | $261.7M | $260.1M | $285.0M | $291.7M | $292.6M | $307.0M | $306.9M | $311.2M | $318.3M | $308.8M |
| Other non-current assets | $1.68B | $1.39B | $1.38B | $1.40B | $1.54B | $1.49B | $1.49B | $1.32B | $1.29B | $1.27B | $1.25B | $1.26B |
| Total assets | $2.13B | $2.09B | $2.11B | $2.12B | $2.14B | $2.09B | $2.10B | $2.15B | $2.10B | $2.08B | $2.08B | $2.06B |
| Liabilities | ||||||||||||
| Short-term debt | — | — | $105,000 | — | — | — | $113.4M | — | — | — | $161.1M | $199.8M |
| Total current liabilities | $1.79B | — | $452.3M | $1.75B | $1.74B | $1.69B | $1.68B | $1.65B | $1.62B | $1.64B | $1.64B | $1.62B |
| Long-term debt | $83.6M | $56.1M | $82.4M | $138.4M | $178.6M | $184.1M | $200.1M | $278.3M | $254.1M | $216.6M | $234.7M | $258.7M |
| Other long-term liabilities | $1.84B | $1.84B | $1.38B | $42.7M | $40.4M | $36.7M | $47.0M | $38.6M | $55.8M | $55.0M | $36.5M | $31.6M |
| Total liabilities | $1.93B | $1.90B | $1.91B | $1.93B | $1.96B | $1.91B | $1.93B | $1.97B | $1.93B | $1.91B | $1.91B | $1.91B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $85,000 | $85,000 | $85,000 | $85,000 | $85,000 | $85,000 | $85,000 | $85,000 | $85,000 | $85,000 | $85,000 | $85,000 |
| Retained earnings (deficit) | $116.9M | $114.3M | $111.5M | $107.9M | $105.5M | $103.4M | $101.3M | $99.0M | $97.4M | $96.8M | $96.0M | $95.0M |
| Accumulated other comprehensive income | −$13.3M | −$14.9M | −$12.9M | −$14.8M | −$17.9M | −$18.9M | −$20.1M | −$15.1M | −$20.9M | −$21.3M | −$19.9M | −$30.9M |
| Total shareholders' equity | $197.3M | $193.0M | $191.8M | $186.5M | $180.6M | $177.6M | $174.8M | $177.7M | $170.2M | $168.9M | $169.3M | $157.3M |
| Key figures | ||||||||||||
| Total debt | $96.6M | $71.1M | $82.5M | $138.4M | $178.6M | $184.1M | $200.1M | $278.3M | $254.1M | $216.6M | $234.7M | $258.7M |
| Net cash (debt) | $215.2M | $223.2M | $223.3M | $151.2M | −$38.4M | −$42.1M | −$49.1M | $70.9M | $76.5M | $115.6M | $108.1M | $70.8M |
| Working capital | −$1.75B | — | −$132.0M | −$1.45B | −$1.58B | −$1.53B | −$1.52B | −$1.29B | −$1.28B | −$1.29B | −$1.28B | −$1.27B |
| Tangible book value | $159.8M | $155.2M | $153.8M | $133.0M | $126.9M | $123.4M | $120.2M | $122.7M | $114.6M | $113.0M | $112.8M | $100.5M |
| Book value per share | $25.12 | $24.60 | $24.51 | $23.84 | $23.10 | $22.70 | $22.21 | $22.61 | $21.69 | $21.56 | $21.66 | $20.18 |
| Shares outstanding | 7.9M | 7.8M | 7.8M | 7.8M | 7.8M | 7.8M | 7.9M | 7.9M | 7.8M | 7.8M | 7.8M | 7.8M |
| Current ratio | 0.02 | — | 0.71 | 0.17 | 0.09 | 0.09 | 0.10 | 0.22 | 0.21 | 0.21 | 0.22 | 0.21 |
| Quick ratio | 0.18 | — | 0.71 | 0.17 | 0.09 | 0.09 | 0.10 | 0.22 | 0.21 | 0.21 | 0.22 | 0.21 |
| Debt / equity | 0.49 | 0.37 | 0.43 | 0.74 | 0.99 | 1.04 | 1.14 | 1.57 | 1.49 | 1.28 | 1.39 | 1.65 |
| Equity / assets | 9.3% | 9.2% | 9.1% | 8.8% | 8.5% | 8.5% | 8.3% | 8.3% | 8.1% | 8.1% | 8.2% | 7.6% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 9, 2026); data from EODHD.
EBMT financial position
At the end of fiscal 2025 (December 31, 2025), Eagle Bancorp Montana had total assets of $2.1 billion (up 0.2% from a year earlier), total liabilities of $1.9 billion and shareholders' equity of $191.8 million. It held $305.8 million in cash and short-term investments against $82.5 million of debt, a net cash position of $223.3 million. Its current ratio was 0.71. In the latest quarter (ended June 30, 2026) total assets were $2.1 billion and equity $197.3 million.
Related: EBMT income statement, EBMT cash flow statement, EBMT key metrics. See the EBMT stock overview for the latest quote and news.
EBMT balance sheet FAQ
What are Eagle Bancorp Montana's total assets?
Eagle Bancorp Montana reported total assets of $2.1 billion at the end of fiscal 2025 (December 31, 2025), compared with $2.1 billion a year earlier.
How much debt does Eagle Bancorp Montana have?
Eagle Bancorp Montana had $82.5 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.43.
How much cash does Eagle Bancorp Montana have?
Eagle Bancorp Montana held $305.8 million in cash and short-term investments at the end of fiscal 2025; with $82.5 million of debt that is net cash of $223.3 million.
What is Eagle Bancorp Montana's book value?
Eagle Bancorp Montana's shareholders' equity (book value) was $191.8 million at the end of fiscal 2025, or $24.51 per share.
What is Eagle Bancorp Montana's current ratio?
Eagle Bancorp Montana had current assets of $320.2 million and current liabilities of $452.3 million, a current ratio of 0.71 (current liabilities exceed current assets).
How much goodwill does Eagle Bancorp Montana have?
Eagle Bancorp Montana carried $38.1 million of goodwill and intangible assets, 1.8% of total assets, at the end of fiscal 2025.