Eagle Bancorp Montana, Inc. (EBMT) Key Metrics
EBMT valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $167.0M
- Enterprise value
- $231.9M
- P/E (TTM)
- 10.2 10-yr median 12.3
- Forward P/E
- 10.2
- PEG ratio
- 1.06
- Price / sales
- 1.8 10-yr median 1.6
- Price / book
- 0.9 10-yr median 0.9
- EV / EBITDA
- — 10-yr median 5.9
- Dividend yield
- 2.81% $0.59 a year
- Beta
- 0.35
EBMT key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsEBMT valuation Price multiples at each fiscal year-end price.
EBMT returns How much profit the business earns on the capital it uses.
EBMT per-share figures Results divided by the shares outstanding at year-end.
EBMT financial health Debt, liquidity and how easily interest is covered.
EBMT efficiency & capital use Working capital cycle and where the cash goes.
EBMT valuation history
EBMT returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
EBMT debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
EBMT cash returned to shareholders
EBMT price vs earnings per share
EBMT key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $155.7M | $120.4M | $123.1M | $119.4M | $152.9M | $144.7M | $137.7M | $90.6M | $86.6M | $81.7M |
| Enterprise value | −$67.6M | $169.5M | $15.0M | −$123.2M | −$127.5M | −$33.5M | $101.7M | $64.3M | $54.9M | $43.4M |
| P/E ratio | 10.5 | 12.3 | 12.2 | 11.2 | 10.6 | 6.8 | 12.7 | 18.2 | 21.1 | 15.9 |
| Price / sales | 1.2 | 1.0 | 1.1 | 1.3 | 1.6 | 1.6 | 2.0 | 2.0 | 2.1 | 2.0 |
| Price / book | 0.8 | 0.7 | 0.7 | 0.8 | 0.1 | 0.9 | 1.1 | 1.0 | 1.0 | 1.4 |
| Price / free cash flow | 5.5 | 8.3 | — | 4.7 | 3.5 | — | — | 13.9 | 5.2 | 7.7 |
| Price / operating cash flow | 4.7 | 4.2 | 13.2 | 2.8 | 2.7 | 68.3 | 376.2 | 6.7 | 4.3 | 6.3 |
| EV / sales | -0.5 | 1.4 | 0.1 | -1.3 | -1.4 | -0.4 | 1.5 | 1.4 | 1.3 | 1.1 |
| EV / EBITDA | — | 8.4 | 0.8 | — | — | — | 5.4 | 7.1 | 6.3 | 4.5 |
| EV / free cash flow | — | 11.7 | — | — | — | — | — | 9.9 | 3.3 | 4.1 |
| Earnings yield | 9.5% | 8.1% | 8.2% | 9.0% | 9.4% | 14.7% | 7.9% | 5.5% | 4.7% | 6.3% |
| Free cash flow yield | 18.2% | 12.0% | −3.9% | 21.1% | 28.9% | −12.8% | −7.4% | 7.2% | 19.1% | 13.0% |
| Dividend yield | 2.9% | 3.8% | 3.6% | 3.4% | 2.0% | 1.8% | 1.7% | 2.2% | 1.6% | 1.5% |
| Shareholder yield (dividends + buybacks) | 4.0% | 4.1% | 3.8% | 7.1% | 6.1% | 2.5% | 2.6% | 2.2% | 1.6% | 1.5% |
| Share price at fiscal year-end | $19.90 | $15.33 | $15.79 | $16.16 | $22.98 | $21.22 | $21.39 | $16.50 | $20.95 | $21.10 |
| Per share | ||||||||||
| Revenue per share | $16.10 | $15.33 | $14.42 | $12.68 | $14.00 | $13.25 | $10.73 | $8.44 | $10.06 | $10.30 |
| Earnings per share | $1.90 | $1.25 | $1.29 | $1.45 | $2.17 | $3.11 | $1.69 | $0.91 | $0.99 | $1.32 |
| Operating cash flow per share | $4.23 | $3.63 | $1.20 | $5.67 | $8.48 | $0.31 | $0.06 | $2.47 | $4.85 | $3.33 |
| Free cash flow per share | $3.62 | $1.84 | −$0.62 | $3.40 | $6.65 | −$2.72 | −$1.58 | $1.19 | $4.00 | $2.75 |
| Cash per share | $39.08 | $19.22 | $43.96 | $50.27 | $48.96 | $33.01 | $23.18 | $27.93 | $33.75 | $35.05 |
| Book value per share | $24.51 | $22.25 | $21.71 | $21.45 | $210.41 | $22.42 | $18.90 | $17.27 | $20.23 | $15.35 |
| Tangible book value per share | $19.65 | $15.30 | $14.47 | $13.65 | $204.96 | $17.55 | $14.65 | $13.49 | $16.87 | $11.92 |
| Dividends per share | $0.59 | $0.58 | $0.57 | $0.55 | $0.45 | $0.38 | $0.37 | $0.36 | $0.34 | $0.31 |
| Capex per share | $0.61 | $1.79 | $1.82 | $2.27 | $1.84 | $3.03 | $1.64 | $1.29 | $0.86 | $0.58 |
| Debt per share | $10.54 | $25.48 | $30.10 | $17.43 | $6.82 | $6.87 | $17.60 | $23.15 | $26.08 | $25.14 |
| Shares outstanding | 7.8M | 7.9M | 7.8M | 7.4M | 6.7M | 6.8M | 6.4M | 5.5M | 4.1M | 3.9M |
| Change in shares outstanding | −0.4% | +0.7% | +5.6% | +11.0% | −2.4% | +5.9% | +17.3% | +32.9% | +6.7% | +0.4% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 8.1% | 5.7% | 6.1% | 1.4% | 1.9% | 15.4% | 10.0% | 5.6% | 5.7% | 8.9% |
| Return on invested capital (ROIC) | — | 6.9% | — | — | 2.6% | — | 14.1% | 8.3% | 11.2% | 39.5% |
| Return on assets (ROA) | 0.7% | 0.5% | 0.5% | 0.6% | 1.1% | 1.8% | 1.1% | 0.6% | 0.6% | 0.8% |
| Return on tangible assets | 0.7% | 0.5% | 0.5% | 0.6% | 1.0% | 1.7% | 1.1% | 0.6% | 0.6% | 0.8% |
| Free cash flow margin | 22.5% | 12.0% | −4.3% | 26.9% | 47.5% | −20.5% | −14.7% | 14.1% | 39.7% | 26.7% |
| Income quality (OCF / net income) | 2.23 | 2.92 | 0.93 | 3.92 | 3.92 | 0.10 | 0.03 | 2.72 | 4.89 | 2.51 |
| Financial health | ||||||||||
| Total debt | $82.5M | $200.1M | $234.7M | $128.8M | $45.4M | $46.9M | $113.3M | $127.1M | $107.8M | $97.4M |
| Cash & short-term investments | $305.8M | $150.9M | $342.8M | $371.3M | $325.9M | $225.1M | $149.3M | $153.4M | $139.5M | $135.8M |
| Net debt | −$223.3M | $49.1M | −$108.1M | −$242.5M | −$280.5M | −$178.3M | −$36.0M | −$26.3M | −$31.7M | −$38.4M |
| Debt / equity | 0.43 | 1.14 | 1.39 | 0.81 | 0.03 | 0.31 | 0.93 | 1.34 | 1.29 | 1.64 |
| Debt / assets | 0.04 | 0.10 | 0.11 | 0.07 | 0.03 | 0.04 | 0.11 | 0.15 | 0.15 | 0.14 |
| Net debt / EBITDA | −8.02 | 2.42 | −5.53 | −11.25 | −10.35 | −4.20 | −1.93 | −2.89 | −3.64 | −3.96 |
| 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 | 1.11 | 0.30 | 0.46 | 0.29 | 0.22 | 1.29 | 1.31 | 1.25 |
| Interest coverage | 0.5 | 0.3 | 0.4 | 2.3 | 6.0 | 4.4 | 1.8 | 1.2 | 1.5 | 2.2 |
| Working capital | −$132.0M | −$1.52B | −$1.28B | −$996.3M | −$533.6M | −$826.5M | −$665.0M | −$475.2M | −$383.4M | −$379.2M |
| Invested capital | −$31.5M | $223.9M | $61.2M | −$84.1M | $1.12B | −$25.3M | $85.7M | $68.5M | $51.9M | $21.1M |
| Tangible asset value | $153.8M | $120.2M | $112.8M | $100.8M | $1.36B | $119.7M | $94.3M | $74.1M | $69.7M | $46.2M |
| Net current asset value | −$1.59B | −$1.76B | −$1.55B | −$1.41B | $296.1M | −$873.8M | −$778.8M | −$602.3M | −$491.1M | −$476.6M |
| Graham number | $32.34 | $24.97 | $25.10 | $26.44 | $101.27 | $39.61 | $26.80 | $18.78 | $21.26 | $21.39 |
| Graham net-net per share | −$204.22 | −$225.08 | −$292.75 | −$193.25 | $39.23 | −$133.87 | −$123.44 | −$169.78 | −$185.08 | −$189.07 |
| Capital allocation | ||||||||||
| Dividends paid | $4.6M | $4.5M | $4.4M | $4.1M | $3.0M | $2.6M | $2.4M | $2.0M | $1.4M | $1.2M |
| Share buybacks (net) | $1.6M | $419,000 | $231,000 | $4.4M | $6.3M | $987,000 | $1.2M | — | $0 | $0 |
| Dividend payout ratio | 30.9% | 46.4% | 44.2% | 37.9% | 20.9% | 12.3% | 22.1% | 40.0% | 34.2% | 23.2% |
| Dividends + buybacks / free cash flow | 21.7% | 34.3% | — | 33.8% | 21.0% | — | — | 30.6% | 8.5% | 11.2% |
| Capex / revenue | 3.8% | 11.7% | 12.6% | 17.9% | 13.1% | 22.8% | 15.3% | 15.2% | 8.5% | 5.6% |
| Capex / operating cash flow | 14.4% | 49.3% | 151.8% | 40.0% | 21.6% | 974.4% | 2,880.6% | 52.0% | 17.6% | 17.4% |
| Capex / depreciation | 0.54 | 1.58 | 1.80 | 2.17 | 1.56 | 2.91 | 2.24 | 2.22 | 1.42 | 0.82 |
| Stock-based compensation / revenue | 0.5% | 0.7% | 0.6% | 1.0% | 1.1% | 0.8% | 1.0% | 1.3% | 1.4% | 1.7% |
| SG&A / revenue | 26.9% | 35.0% | 40.5% | 49.7% | 54.1% | 49.9% | 47.4% | 54.8% | 51.9% | 49.0% |
| Efficiency | ||||||||||
| Days sales outstanding | 39.6 | 38.5 | 38.6 | 33.2 | 22.6 | 20.9 | 21.3 | 23.8 | 20.5 | 20.1 |
| Days of inventory on hand | — | — | -8,898.3 | -2,274.5 | -6,404.2 | — | -12,119.7 | -36,134.6 | -36,237.1 | -35,460.1 |
| Days payables outstanding | — | — | — | 27,965.1 | 55,936.3 | — | 268.2 | 306.4 | 312.5 | 307.5 |
| Cash conversion cycle (days) | — | — | — | -30,206.4 | -62,318.0 | — | -12,366.6 | -36,417.2 | -36,529.0 | -35,747.5 |
| Receivables turnover | 9.22 | 9.49 | 9.46 | 10.99 | 16.19 | 17.47 | 17.15 | 15.35 | 17.77 | 18.13 |
| Payables turnover | — | — | — | 0.01 | 0.01 | 0.00 | 1.36 | 1.19 | 1.17 | 1.19 |
| Asset turnover | 0.06 | 0.06 | 0.06 | 0.06 | 0.07 | 0.08 | 0.07 | 0.06 | 0.06 | 0.06 |
| Average receivables | $13.7M | $12.7M | $11.9M | $8.5M | $5.8M | $5.2M | $4.0M | $3.0M | $2.3M | $2.2M |
| Average payables | — | — | — | $624.5M | $623.4M | $17.1M | $7.6M | $5.1M | $4.6M | $4.2M |
| Average inventory | — | — | −$745.8M | −$50.8M | −$71.4M | −$52.5M | −$343.8M | −$602.1M | −$528.4M | −$481.0M |
| Intangibles / total assets | 1.8% | 2.6% | 2.7% | 3.0% | 2.5% | 2.6% | 2.6% | 2.4% | 1.9% | 2.0% |
Computed from EBMT's annual financial statements (latest annual report filed March 9, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
EBMT valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Eagle Bancorp Montana traded at 10.5 times earnings, against a 10-year median of 12.3. Based on the latest twelve months, the trailing P/E is 10.2 and the forward P/E is 10.2. Eagle Bancorp Montana earned a return on equity of 8.1% in fiscal 2025. It ended the year with $82.5 million of debt and $305.8 million in cash and short-term investments, a net cash position of $223.3 million. It returned $6.2 million to shareholders: $4.6 million in dividends and $1.6 million in share buybacks, 22% of free cash flow. The share count rose 102.0% from 3.9M to 7.8M over 9 years.
See the EBMT income statement, the EBMT chart for price history, or the EBMT stock overview for the latest quote and news.
EBMT key metrics FAQ
What is Eagle Bancorp Montana's P/E ratio?
Eagle Bancorp Montana's trailing P/E ratio is 10.2 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 10.2. At the end of fiscal 2025 it was 10.5, compared with a 10-year median of 12.3.
What is Eagle Bancorp Montana's return on equity?
Eagle Bancorp Montana's return on equity (ROE) was 8.1% in fiscal 2025: net income of $14.8 million on average shareholders' equity of $183.3 million.
How much debt does Eagle Bancorp Montana have?
Eagle Bancorp Montana had total debt of $82.5 million at the end of fiscal 2025, a debt-to-equity ratio of 0.43 and more cash than debt.
What is Eagle Bancorp Montana's dividend yield?
Eagle Bancorp Montana's forward dividend yield is 2.81%. Eagle Bancorp Montana paid $4.6 million in dividends in fiscal 2025 ($0.59 per share), a payout ratio of 30.9%.
Does Eagle Bancorp Montana buy back its shares?
Yes. Eagle Bancorp Montana spent $1.6 million on net share repurchases in fiscal 2025 Shares outstanding changed −0.4% over the year, to 7.8M..
What is Eagle Bancorp Montana's free cash flow yield?
Eagle Bancorp Montana generated $28.3 million of free cash flow in fiscal 2025, a free cash flow yield of 18.2% on its market value at year-end ($155.7 million).
What is Eagle Bancorp Montana's current ratio?
Eagle Bancorp Montana's current ratio was 0.71 at the end of fiscal 2025: current assets were 0.71 times current liabilities.