Eagle Bancorp Montana, Inc. (EBMT) Income Statement
EBMT 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsEBMT revenue and net income
Where EBMT's revenue goes
2025Each bar shows an amount and its share of revenue. EBMT kept 11.8% of revenue as net income.
EBMT profit margins
EBMT growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +4.6% | +10.4% | +6.9% | +14.6% |
| Gross profit | +12.9% | +1.5% | −0.2% | +12.1% |
| Operating income | +66.2% | +11.0% | −7.8% | +21.3% |
| Net income | +51.7% | +11.5% | −6.9% | +19.1% |
| EPS (diluted) | +51.6% | +4.4% | −9.7% | +10.9% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
EBMT quarterly EPS vs estimates
Eagle Bancorp Montana beat the analyst EPS estimate in 5 of the last 8 quarters. Next report: October 27, 2026 (estimate $0.55).
EBMT income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $126.0M | $120.4M | $112.5M | $93.6M | $93.2M | $90.4M | $69.1M | $46.3M | $41.6M | $39.9M |
| Cost of revenue | $36.7M | $41.3M | $30.6M | $8.2M | $4.1M | $0 | $10.4M | $6.1M | $5.3M | $5.0M |
| Gross profit | $89.3M | $79.1M | $81.9M | $85.5M | $89.1M | $90.4M | $58.7M | $40.2M | $36.2M | $35.0M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $33.9M | $42.2M | $45.5M | $46.5M | $50.4M | $45.1M | $32.8M | $25.4M | $21.6M | $19.6M |
| Total operating expenses | $70.4M | $67.7M | $70.2M | $71.6M | $69.8M | $90.4M | $44.7M | $34.3M | $30.0M | $28.0M |
| Operating income | $18.9M | $11.4M | $11.7M | $13.8M | $19.3M | $28.4M | $14.0M | $5.9M | $6.2M | $6.9M |
| Interest income | $107.5M | $103.1M | $86.8M | $69.2M | $49.5M | $49.3M | $46.1M | $34.5M | $27.7M | $23.8M |
| Interest expense | $35.5M | $40.8M | $29.1M | $6.2M | $3.2M | $6.5M | $7.7M | $5.1M | $4.1M | $3.1M |
| Income before taxes | $18.9M | $11.4M | $11.7M | $13.8M | $19.3M | $28.4M | $14.0M | $5.9M | $6.2M | $6.9M |
| Income taxes | $4.1M | $1.6M | $1.6M | $3.1M | $4.9M | $7.2M | $3.1M | $914,000 | $2.1M | $1.8M |
| Net income | $14.8M | $9.8M | $10.1M | $10.7M | $14.4M | $21.2M | $10.9M | $5.0M | $4.1M | $5.1M |
| EBITDA | $27.9M | $20.3M | $19.5M | $21.6M | $27.1M | $42.4M | $18.7M | $9.1M | $8.7M | $9.7M |
| EPS (diluted) | $1.88 | $1.24 | $1.30 | $1.65 | $2.24 | $3.13 | $1.96 | $1.10 | $1.21 | $1.36 |
| Gross margin | 70.9% | 65.7% | 72.8% | 91.3% | 95.6% | 100.0% | 85.0% | 86.9% | 87.2% | 87.6% |
| Operating margin | 15.0% | 9.5% | 10.4% | 14.8% | 20.7% | 31.5% | 20.2% | 12.7% | 15.0% | 17.4% |
| Net margin | 11.8% | 8.1% | 8.9% | 11.4% | 15.5% | 23.5% | 15.7% | 10.8% | 9.9% | 12.9% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.5M | $31.1M | $32.5M | $32.2M | $31.6M | $29.7M | $30.9M | $31.4M | $29.7M | $28.5M | $30.0M | $29.6M |
| Cost of revenue | $7.8M | $7.8M | $8.2M | $9.2M | $10.0M | $9.2M | $9.9M | $11.2M | $10.6M | $9.6M | $9.6M | $9.1M |
| Gross profit | −$4.3M | $23.3M | $24.3M | $23.0M | $21.6M | $20.5M | $21.0M | $20.1M | $19.1M | $18.9M | $20.4M | $20.5M |
| Sales, general & admin | $748,000 | $683,000 | $11.4M | $11.7M | $671,000 | $10.1M | $10.6M | $10.5M | $10.9M | $10.3M | $12.1M | $11.5M |
| Total operating expenses | $748,000 | $18.2M | $18.2M | $18.0M | $17.6M | $16.6M | $17.3M | $16.9M | $16.9M | $16.6M | $18.5M | $17.4M |
| Operating income | −$5.1M | $5.1M | $6.1M | $5.0M | $4.0M | $3.9M | $3.7M | $3.2M | $2.2M | $2.3M | $1.8M | $3.2M |
| Interest income | $26.5M | $26.1M | $27.2M | $27.6M | $26.9M | $25.8M | $26.4M | $26.5M | $25.6M | $24.7M | $24.3M | $23.9M |
| Interest expense | $7.5M | $7.5M | $8.2M | $9.1M | $9.0M | $9.2M | $9.9M | $11.0M | $10.2M | $9.7M | $9.3M | $8.5M |
| Income before taxes | $4.8M | $5.1M | $6.1M | $5.0M | $4.0M | $3.9M | $3.7M | $3.2M | $2.2M | $2.3M | $1.8M | $3.2M |
| Income taxes | $1.1M | $1.1M | $1.4M | $1.3M | $751,000 | $631,000 | $269,000 | $529,000 | $444,000 | $370,000 | −$315,000 | $524,000 |
| Net income | $3.7M | $4.0M | $4.7M | $3.6M | $3.2M | $3.2M | $3.4M | $2.7M | $1.7M | $1.9M | $2.2M | $2.6M |
| EBITDA | −$3.3M | $7.3M | $8.5M | $7.2M | $6.3M | $6.0M | $5.9M | $5.5M | $4.4M | $4.4M | $3.8M | $5.1M |
| EPS (diluted) | $0.47 | $0.51 | $0.60 | $0.46 | $0.41 | $0.41 | $0.44 | $0.34 | $0.22 | $0.24 | $0.28 | $0.34 |
| Gross margin | −125.9% | 74.9% | 74.8% | 71.4% | 68.2% | 69.0% | 68.0% | 64.2% | 64.3% | 66.3% | 67.9% | 69.3% |
| Operating margin | −147.6% | 16.4% | 18.8% | 15.4% | 12.6% | 13.0% | 12.0% | 10.3% | 7.4% | 8.0% | 6.2% | 10.7% |
| Net margin | 107.6% | 12.8% | 14.6% | 11.3% | 10.2% | 10.9% | 11.1% | 8.6% | 5.9% | 6.7% | 7.2% | 8.9% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in EBMT's financial statements (latest annual report filed March 9, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
EBMT financial results
In fiscal year 2025 (ended December 31, 2025), Eagle Bancorp Montana reported revenue of $126.0 million, up 4.6% from the year before. It had net income of $14.8 million (up 51.7%), a net profit margin of 11.8%. Diluted earnings per share came to $1.88. Over five years revenue grew at an average rate of 6.9% a year.
See the EBMT stock overview for the latest quote and news, or the EBMT chart for price history and technical indicators.
EBMT income statement FAQ
What is Eagle Bancorp Montana's annual revenue?
Eagle Bancorp Montana reported total revenue of $126.0 million for fiscal year 2025, which ended on December 31, 2025. That was up 4.6% from $120.4 million the previous year.
Is Eagle Bancorp Montana profitable?
Yes. Eagle Bancorp Montana reported net income of $14.8 million in fiscal 2025, a net profit margin of 11.8%; its operating margin was 15.0%.
What is Eagle Bancorp Montana's gross margin?
Eagle Bancorp Montana's gross margin was 70.9% in fiscal 2025: for every $100 of revenue, Eagle Bancorp Montana kept $71 after the direct cost of its products and services.
How fast is Eagle Bancorp Montana growing?
Revenue grew 6.9% a year on average over the last five fiscal years, from $90.4 million to $126.0 million.
What are Eagle Bancorp Montana's earnings per share?
Eagle Bancorp Montana earned $1.88 per diluted share in fiscal 2025, compared with $1.24 a year earlier.
When will Eagle Bancorp Montana report its next earnings?
Eagle Bancorp Montana is expected to report results for the quarter ending September 30, 2026 on October 27, 2026 after the market closes.
When does Eagle Bancorp Montana's fiscal year end?
Eagle Bancorp Montana's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 9, 2026.