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Buy Day today: Poor Neutral (49) Good Mixed market breadth · no major macro event

Eagle Bancorp Montana Inc (EBMT)

Financial Services Banks - Regional
23.10 $
Closing price · As of: 20. Jul 2026
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Basics

Market Cap
0.2Mrd. $
Shares Outstanding
8Mio.
Float
83.6%
Beta
0.3

Performance

Perf. 1M
6.00%
Perf. 3M
17.60%
Perf. 6M
21.20%
YTD Performance (%)
20.90%
52-Week-High Distance
-3.4%

Valuation

P/E
11.9
Forward P/E
11.2
PEG
1.1
P/B
1.0
P/S
1.5
EV/EBITDA
0.0
Price/FCF
8.2

Profitability

Gross Margin
100.0%
EBIT Margin
Net Margin
16.8%
Return on Equity
8.4%
Return on Assets
0.8%

Balance Sheet & Safety

Equity Ratio
Debt/Equity
0.4
Altman Z
Piotroski
6 von 9

Growth

Sales Growth Last Quarter
11.60%
EPS Growth Last Quarter
24.30%
Sales Growth (Year)
4.61%
Forward Sales Growth
4.10%
Forward EPS Growth
5.40%

Dividend

Dividend Yield
2.45%
Dividend Per Share (TTM)
0.58$
Payout Ratio
29.3%
Years Without a Cut
25Years
Increase Streak
25Years

Quality & Screener

Stage
2
RS Rating
73
EPS Rating
68
Piotroski
6 von 9
Fundamental Rating
C (-2 von 100)
Altman Z

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Sales Per Quarter ($M)
2024: Q4 · 30.9 Mio. $ Q4 2025: Q1 · 29.7 Mio. $ Q1 2025: Q2 · 31.6 Mio. $ Q2 2025: Q3 · 32.2 Mio. $ Q3 2025: Q4 · 32.5 Mio. $ Q4 2026: Q1 · 31.1 Mio. $ Q1
Earnings Per Share Per Quarter ($)
2024: Q4 · 0.43 $ Q4 2025: Q1 · 0.41 $ Q1 2025: Q2 · 0.41 $ Q2 2025: Q3 · 0.46 $ Q3 2025: Q4 · 0.59 $ Q4 2026: Q1 · 0.50 $ Q1
Net Margin Per Quarter (%)
2024: Q4 · 11.1 % Q4 2025: Q1 · 10.9 % Q1 2025: Q2 · 10.2 % Q2 2025: Q3 · 11.3 % Q3 2025: Q4 · 14.6 % Q4 2026: Q1 · 12.8 % Q1
Operating Cash Flow Per Quarter ($M)
2024: Q4 · 15.6 Mio. $ Q4 2025: Q1 · 1.9 Mio. $ Q1 2025: Q2 · 1.7 Mio. $ Q2 2025: Q3 · 9.0 Mio. $ Q3 2025: Q4 · 20.5 Mio. $ Q4 2026: Q1 · -4.7 Mio. $ Q1
Free Cash Flow Per Quarter ($M)
2024: Q4 · 12.2 Mio. $ Q4 2025: Q1 · 0.3 Mio. $ Q1 2025: Q2 · 1.4 Mio. $ Q2 2025: Q3 · 7.1 Mio. $ Q3 2025: Q4 · 19.6 Mio. $ Q4 2026: Q1 · -5.2 Mio. $ Q1
Sales Growth vs. Year-Ago Quarter (%)
2024: Q4 · 3.0 % Q4 2025: Q1 · 4.3 % Q1 2025: Q2 · 6.5 % Q2 2025: Q3 · 2.6 % Q3 2025: Q4 · 5.2 % Q4 2026: Q1 · 4.7 % Q1
EPS Growth vs. Year-Ago Quarter (%)
2024: Q4 · 58.6 % Q4 2025: Q1 · 70.7 % Q1 2025: Q2 · 86.2 % Q2 2025: Q3 · 34.0 % Q3 2025: Q4 · 37.8 % Q4 2026: Q1 · 23.0 % Q1
Price Change in Quarter (%)
2024: Q4 · -2.1 % Q4 2025: Q1 · 10.3 % Q1 2025: Q2 · 0.3 % Q2 2025: Q3 · 4.5 % Q3 2025: Q4 · 16.2 % Q4 2026: Q1 · 4.1 % Q1

Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 0.43 58.60 31 3.00 11.10 16 12
2025: Q1 0.41 70.70 30 4.30 10.90 2 0
2025: Q2 0.41 86.20 32 6.50 10.20 2 1
2025: Q3 0.46 34.00 32 2.60 11.30 9 7
2025: Q4 0.59 37.80 33 5.20 14.60 21 20
2026: Q1 0.50 23.00 31 4.70 12.80 -5 -5
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

Eagle Bancorp Montana, Inc. ist die Bankholding der Opportunity Bank of Montana, die kleinen Unternehmen und Privatpersonen in Montana verschiedene Bankprodukte und -dienstleistungen anbietet.

Employees355
HeadquartersHelena, MT
Websiteopportunitybank.com
IPO Date6. Apr 2000
Next Earnings4. Aug 2026

Management

Management
Name Title Birth Year
Laura F. Clark CEO & Director 1957
Patrick Darryl Rensmon Executive VP, President & COO 1961
Miranda J. Spaulding CPA Senior VP & CFO 1977
Chantelle R. Nash J.D. Senior VP, Chief Risk Officer, Chief Administrative Officer & Corporate Secretary 1970
Alana M. Binde Senior VP & Chief Human Resources Officer 1968
Rachel R. Amdahl Senior VP & COO of Opportunity Bank of Montana 1969
Dale F. Field Senior VP & Chief Credit Officer 1972
Linda M. Chilton Chief Retail Officer & Senior VP 1965

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: July 20, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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