EBMT - NASDAQ

Eagle Bancorp Montana, Inc.

EBMT·NASDAQ

$22.21

+1.7%

Financial ServicesBanks - Regional

Eagle Bancorp Montana, Inc. operates as the bank holding company for Opportunity Bank of Montana that provides various retail banking products and services to small businesses and individuals in Montana. It accepts various deposit products, such as checking, savings, money market, and individual retirement accounts, as well as certificates of deposit accounts. The company also provides 1-4 family residential mortgage loans, such as residential mortgages and construction of residential properties; commercial real estate loans, including multi-family dwellings, nonresidential property, commercial construction and development, and farmland loans; and second mortgage/home equity loans. In addition, it offers consumer loans, such as loans secured by collateral other than real estate, such as automobiles, recreational vehicles, and boats; personal loans and lines of credit; commercial business loans consisting of business loans and lines of credit on a secured and unsecured basis; construction loans; agricultural loans; and mortgage loan services. The company operates 23 full-service branches, 1 community banking office, and 25 automated teller machines. Eagle Bancorp Montana, Inc. was founded in 1922 and is headquartered in Helena, Montana.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$176.91M

EPS1.9000

P/E Ratio10.47

Earnings Date07/28/2026

2.11B

Assets

3Y+8.0%

5Y+67.0%

10Y+213.0%

1.91B

Total Liabilities

-1%

3Y+7.0%

5Y+73.0%

10Y+212.0%

191.81M

Total Equity

10%

3Y+21.0%

5Y+25.0%

10Y+223.0%

Eagle Bancorp Montana, Inc. Funding & Solvency Profile

EBMT · NASDAQ

Current Assets

Cash & Cash Equivalents24.11M

Net Receivables14.45M

Inventory0.00

Other Current Assets0.00

Total Current Assets320 M

Non-Current Assets

Property, Plant & Equipment101.44M

Goodwill & Intangible Assets38.05M

Long-Term Investments0.00

Other Non-Current Assets0.00

Total Non-Current Assets101 M

Total Assets

2.11B

Financial Health Analysis

Current Ratio

0.71x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

9.98x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-132038000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

15% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Eagle Bancorp Montana, Inc. Balance Sheet

EBMT • NASDAQ

Eagle Bancorp Montana, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Jun 2014	Jun 2013	Jun 2012	Jun 2011	Jun 2010	Jun 2009	Jun 2009	Jun 2008	Jun 2007
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	24.1M	31.6M	24.5M	21.8M	54.6M	62.2M	22.4M	11.2M	7.4M	7.3M	7.4M	6.8M	6.8M	6.2M	19.8M	4.5M	3.5M	2.7M	0.0	0.0
Short-Term Investments	281.7M	119.4M	318.3M	349.5M	271.3M	162.9M	126.9M	142.2M	132M	128.4M	145.7M	189.6M	189.6M	219M	89.3M	0.0	0.0	25K	0.0	0.0
Cash & Short-Term Investments	305.8M	150.9M	342.8M	371.3M	325.9M	225.1M	149.3M	153.4M	139.5M	135.8M	153.2M	173.7M	225.1M	19.8M	0.0	3.5M	0.0	0.0	0.0	0.0
Net Receivables	14.4M	12.9M	12.5M	11.3M	5.8M	5.8M	4.6M	3.5M	2.6M	2.1M	2.3M	2.4M	2.4M	2.4M	1.4M	1.6M	1.6M	1.4M	0.0	0.0
Accounts Receivables	14.4M	12.9M	12.5M	11.3M	5.8M	5.8M	4.6M	3.5M	2.6M	2.1M	2.3M	2.4M	2.4M	2.4M	1.4M	1.6M	1.6M	1.4M	0.0	0.0
Other Current Assets	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-1.4M	0.0	0.0	-1.4M	5.5M	4.4M
Total Current Assets	320.3M	163.8M	355.3M	382.6M	331.6M	230.9M	0.0	0.0	0.0	0.0	0.0	15.5M	0.0	0.0	0.0	0.0	0.0	0.0	5.5M	4.4M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	101.4M	101.5M	94.3M	84.3M	67.3M	58.8M	40.1M	29.3M	22M	19.4M	18.2M	20.1M	20.1M	18.9M	15.6M	16.2M	15.8M	13.8M	8.1M	5.8M
Goodwill	34.7M	34.7M	34.7M	34.7M	20.8M	20.8M	15.8M	12.1M	7M	7M	7M	7M	7M	6.9M	0.0	0.0	0.0	0.0	0.0	0.0
Intangible Assets	3.3M	19.9M	21.7M	22.9M	15.5M	12.4M	11.5M	8.6M	6.9M	6.2M	5.5M	4.5M	4.5M	4.1M	2.2M	2.1M	2.3M	2.2M	0.0	0.0
Goodwill & Intangible Assets	38.1M	54.6M	56.5M	57.6M	36.3M	33.2M	27.4M	20.7M	13.9M	13.3M	12.5M	11.5M	11.5M	11M	2.2M	2.1M	2.3M	2.2M	1.7M	1.6M
Long-Term Investments	0.0	1.7B	1.5B	1.3B	946.5M	884.1M	126.9M	142.3M	132.2M	128.6M	145.9M	189.7M	189.7M	219.1M	89.4M	102.9M	114.8M	82.8M	0.0	0.0
Tax Assets	0.0	10.4M	9.8M	10.8M	0.0	0.0	5.6M	1.2M	1.4M	2M	1.5M	1.5M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Assets	0.0	81.4M	80.4M	63.8M	54.3M	50.6M	-194.3M	-192.2M	-168M	-161.3M	-176.6M	316.3M	-221.3M	-249.1M	-107.2M	-121.1M	-133M	-98.8M	-9.7M	-7.4M
Total Non-Current Assets	139.5M	1.9B	1.7B	1.6B	1.1B	1B	0.0	0.0	0.0	0.0	0.0	539.1M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Assets	1.6B	0.0	0.0	0.0	0.0	0.0	1.1B	853.9M	716.8M	673.9M	630.3M	-2.4M	539.1M	510.5M	327.3M	331.1M	325.7M	289.7M	274.4M	240.3M
Total Assets	2.1B	2.1B	2.1B	1.9B	1.4B	1.3B	1.1B	853.9M	716.8M	673.9M	630.3M	539.1M	539.1M	510.5M	327.3M	331.1M	325.7M	289.7M	279.9M	244.7M
LIABILITIES
CURRENT LIABILITIES
Accrued Expenses	0.0	0.0	0.0	26.5M	21.1M	24.3M	9.8M	5.4M	4.8M	4.3M	4.1M	2.3M	0.0	3.5M	5.8M	0.0	0.0	2.5M	0.0	0.0
Short Term Debt	105K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	9.2M	2M
Other Current Liabilities	452.2M	1.7B	1.6B	1.6B	1.2B	1B	0.0	0.0	0.0	0.0	0.0	-2.3M	0.0	0.0	-5.8M	0.0	0.0	-2.5M	180.9M	181.6M
Total Current Liabilities	452.3M	1.7B	1.6B	1.7B	1.2B	1.1B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	190.1M	183.6M
NON-CURRENT LIABILITIES
Long Term Debt	82.4M	200.1M	234.7M	128.2M	34.9M	46.9M	113.3M	127.1M	107.8M	97.4M	84.1M	56.6M	55.4M	40M	47.9M	66.1M	72.4M	72.2M	61.2M	33.2M
Deferred Tax Liabilities (Non-Current)	0.0	0.0	0.0	0.0	648K	457K	492K	3.9M	3.2M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Liabilities	1.4B	47M	36.5M	0.0	0.0	0.0	0.0	-127.1M	-107.8M	-97.4M	-84.1M	430.8M	0.0	0.0	0.0	0.0	0.0	-72.2M	-61.2M	-33.2M
Total Non-Current Liabilities	1.5B	247.1M	271.2M	128.2M	35.5M	47.3M	0.0	0.0	0.0	614.5M	0.0	487.4M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Liabilities	0.0	0.0	0.0	0.0	0.0	0.0	932.6M	759.1M	633.2M	0.0	574.9M	0.0	487.4M	461.3M	273.6M	278.6M	273.3M	261.9M	64.2M	37M
Capital Lease Obligations	0.0	0.0	0.0	0.0	0.0	0.0	1.4M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	1.9B	1.9B	1.9B	1.8B	1.3B	1.1B	932.6M	759.1M	633.2M	614.5M	574.9M	487.4M	487.4M	461.3M	273.6M	278.6M	273.3M	261.9M	254.3M	220.6M
SHAREHOLDERS' EQUITY
Treasury Stock	-11.6M	-10.8M	-11.1M	-11.3M	-7.3M	-4.4M	-3.6M	-2.6M	-2.8M	-3M	-3.3M	-2.2M	-1.8M	-2M	-2.2M	-1.8M	0.0	-5M	-5M	-4.8M
Common Stock	85K	85K	85K	85K	71K	71K	67K	57K	53K	41K	41K	41K	41K	41K	41K	41K	41K	12K	12K	12K
Additional Paid-In Capital	108.1M	108.3M	108.8M	109.2M	80.8M	77.6M	68.8M	52.1M	42.8M	22.4M	22.2M	22.1M	22.1M	22.1M	22.1M	22.1M	22.1M	4.6M	4.5M	4.4M
Retained Earnings	111.5M	101.3M	96M	92M	85.4M	74M	55.4M	46.9M	43.9M	41.2M	37.3M	34.8M	34.8M	33.8M	33M	31.9M	30.7M	28.9M	27M	25.4M
Accumulated Other Comprehensive Income/Loss	-16.3M	-20.1M	-19.9M	-26.4M	3.5M	5.9M	1.3M	-1.1M	313K	-411K	252K	-2.3M	-2.3M	-3.4M	2.3M	1.9M	1.5M	-582K	-55K	-92K
Other Total Stockholders' Equity	0.0	-4M	-4.6M	-5.2M	-5.7M	-145K	-311K	-477K	-643K	-809K	-975K	903K	-1.2M	-1.4M	-1.6M	-1.7M	-1.9M	-18K	-822K	-908K
Total Stockholders' Equity	191.8M	174.8M	169.3M	158.4M	156.7M	152.9M	121.7M	94.8M	83.6M	59.5M	55.5M	54.5M	51.7M	49.2M	53.7M	52.4M	52.4M	27.8M	25.6M	24.1M
Total Equity	191.8M	174.8M	169.3M	158.4M	156.7M	152.9M	121.7M	94.8M	83.6M	59.5M	55.5M	51.7M	51.7M	49.2M	53.7M	52.4M	52.4M	27.8M	25.6M	24.1M
SUMMARY
Total Liabilities & Equity	2.1B	2.1B	2.1B	1.9B	1.4B	1.3B	1.1B	853.9M	716.8M	673.9M	630.3M	539.1M	539.1M	510.5M	327.3M	331.1M	325.7M	289.7M	279.9M	244.7M
Total Investments	281.7M	1.8B	1.8B	1.7B	1.2B	1B	253.8M	284.5M	264.2M	257M	291.6M	379.3M	379.3M	438.1M	178.7M	102.9M	114.8M	82.8M	0.0	0.0
Total Debt	82.5M	200.1M	234.7M	128.2M	34.9M	46.9M	113.3M	127.1M	107.8M	97.4M	84.1M	56.6M	55.4M	40M	47.9M	66.1M	72.2M	72.2M	70.4M	35.2M
Net Debt	58.4M	168.5M	210.2M	106.4M	-19.7M	-15.3M	90.9M	115.9M	100.3M	90.1M	76.6M	49.8M	48.6M	33.9M	28M	61.5M	69.5M	69.5M	70.4M	35.2M
Shares Outstanding	7,952,177	7,952,177	7,952,177	7,952,177	7,952,177	7,952,177	7,952,177	7,952,177	7,952,177	7,952,177	7,952,177	7,952,177	7,952,177	7,952,177	7,952,177	7,952,177	7,952,177	7,952,177	7,952,177	7,952,177

SEC Filings

EBMT - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 18, 2026	May 13, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 07, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 04, 2026	May 04, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 29, 2026	April 23, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 28, 2026	April 28, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	March 09, 2026	April 23, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 09, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 26, 2026	February 22, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 04, 2026	February 04, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 27, 2026	January 27, 2026	2026	View Filing

Showing 1 to 10 of 279 filings

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