Eagle Bancorp Montana, Inc. (EBMT) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Eagle Bancorp Montana reported revenue of $91.6M, up 12.8% from $81.2M the year before. Net income was $14.8M (a 16.2% net margin), or $1.90 per diluted share. Net interest income was $72.9M, and the efficiency ratio (noninterest expense / revenue) was 78.1%. Operating activities generated $33.1M of cash, leaving $28.3M of free cash flow. At fiscal year end, Eagle Bancorp Montana held $2.11B in total assets against $1.91B in total liabilities, including $63.0M of cash and equivalents.
Open the full interactive Eagle Bancorp Montana financials → Quarterly statements, key ratios, valuation history and price charts.
Eagle Bancorp Montana Key Stats
| Share Price | $20.78 |
|---|---|
| Market Cap | $163.4M |
| P/E Ratio | 10.9 |
| Dividend Yield | 2.83% |
| Revenue YoY Growth | +12.8% |
| 52-Week Range | $15.60 – $24.28 |
| Shares Outstanding | 7.8 million (basic, 2026 Q2) |
Eagle Bancorp Montana Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $43.2M | $46.5M | $63.3M | $62.5M | $63.4M | $72.9M |
| Provision for Credit Losses | $3.1M | $861,000 | $2.0M | $1.5M | $518,000 | $1.2M |
| Noninterest Income | $49.1M | $47.8M | $26.2M | $22.7M | $17.8M | $18.7M |
| Noninterest Expense | $60.7M | $74.2M | $73.7M | $72.1M | $69.3M | $71.5M |
| Revenue | $92.2M | $94.3M | $89.5M | $85.2M | $81.2M | $91.6M |
| Pre-Tax Income | $28.4M | $19.3M | $13.8M | $11.7M | $11.4M | $18.9M |
| Income Tax | $7.2M | $4.9M | $3.1M | $1.6M | $1.6M | $4.1M |
| Net Income | $21.2M | $14.4M | $10.7M | $10.1M | $9.8M | $14.8M |
| Diluted EPS | $3.11 | $2.17 | $1.45 | $1.29 | $1.24 | $1.90 |
Eagle Bancorp Montana Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $23.4M | $24.3M | $23.6M | $24.2M |
| Net Income | $3.6M | $4.7M | $4.0M | $3.7M |
| Diluted EPS | $0.46 | $0.60 | $0.51 | $0.47 |
Eagle Bancorp Montana Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $69.8M | $61.4M | $21.8M | $24.5M | $31.6M | $63.0M |
| Loans (Net) | $829.5M | $920.6M | $1.34B | — | — | $1.50B |
| Total Assets | $1.26B | $1.44B | $1.95B | $2.08B | $2.10B | $2.11B |
| Deposits | $1.03B | $1.22B | $1.64B | $1.64B | $1.68B | $1.78B |
| Total Long-Term Debt | $29.8M | $29.9M | $58.8M | $175.7M | $140.9M | $44.5M |
| Total Liabilities | $1.10B | $1.28B | $1.79B | $1.91B | $1.93B | $1.91B |
| Shareholders' Equity | $152.9M | $156.7M | $158.4M | $169.3M | $174.8M | $191.8M |
Eagle Bancorp Montana Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $2.1M | $56.5M | $41.9M | $9.3M | $28.5M | $33.1M |
| Cash From Investing | -$22.0M | -$232.9M | -$235.0M | -$108.2M | -$27.8M | $22.0M |
| Cash From Financing | $64.8M | $168.1M | $153.5M | $101.6M | $6.3M | -$23.7M |
| Free Cash Flow | -$18.5M | $44.2M | $25.1M | -$4.8M | $14.5M | $28.3M |
| Dividends Paid | $2.6M | $3.0M | $4.1M | $4.4M | $4.5M | $4.6M |
Figures from Eagle Bancorp Montana's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Eagle Bancorp Montana financials page for every line item.
Eagle Bancorp Montana Company Profile
| Ticker | EBMT |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Helena, Montana |
| Incorporated in | Delaware |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer, smaller reporting company |
| SEC CIK | 0001478454 |
Frequently Asked Questions
What was Eagle Bancorp Montana's revenue in fiscal 2025?
Eagle Bancorp Montana (EBMT) reported revenue of $91.6M for fiscal 2025.
What is Eagle Bancorp Montana's annual revenue history?
Eagle Bancorp Montana's annual revenue by fiscal year: 2020: $92.2M; 2021: $94.3M; 2022: $89.5M; 2023: $85.2M; 2024: $81.2M; 2025: $91.6M.
What was Eagle Bancorp Montana's net income in fiscal 2025?
Eagle Bancorp Montana reported net income of $14.8M for fiscal 2025.
What was Eagle Bancorp Montana's earnings per share (EPS) in fiscal 2025?
Eagle Bancorp Montana's diluted EPS was $1.90 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Eagle Bancorp Montana generate in fiscal 2025?
Eagle Bancorp Montana generated $28.3M of free cash flow in fiscal 2025.
What was Eagle Bancorp Montana's revenue last quarter?
In its most recent reported quarter (2026 Q2), Eagle Bancorp Montana reported revenue of $24.2M.
How much debt does Eagle Bancorp Montana have?
Eagle Bancorp Montana reported $44.5M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Eagle Bancorp Montana are outstanding?
Eagle Bancorp Montana reported a weighted average of 7.8 million basic shares outstanding in 2026 Q2.
What is Eagle Bancorp Montana's market cap?
Based on its latest closing price, Eagle Bancorp Montana (EBMT) has a market capitalization of about $163.4M.
When does Eagle Bancorp Montana's fiscal year end?
Eagle Bancorp Montana's fiscal year end, as registered with the SEC, is December 31.
Where is Eagle Bancorp Montana headquartered?
Eagle Bancorp Montana lists its business address in Helena, Montana in its SEC filings.