EBMTNasdaqState Commercial BanksFiscal year ends December 31
Eagle Bancorp Montana, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 5, 2026
$20.78−0.19 (-0.91%)
Close on Oct 19, 2026
- Market cap
- $163.38M
- P/E (TTM)
- 10.2
- Dividend yield
- 2.77%
Margins
Share of revenue, fiscal years 2010 to 2025
Net margin
16.2%−6.8 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +12.8% | +0.8% | -0.1% | – | |
| Net income | +51.7% | +11.5% | -6.9% | – | |
| EPS, diluted | +53.2% | +9.4% | -9.4% | – | |
| Free cash flow | +96.0% | +4.1% | – | – | |
| Dividend per share | +1.8% | +3.1% | +8.4% | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | 15.4% | 8.1% | |
| Return on assets | – | 1.8% | 0.7% | |
| Capex to revenue | 6.1% | 22.4% | 5.2% | |
| Diluted shares | 4M | 7M | 8M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Eagle Bancorp Montana generated $169.38M from operations and spent $95.60M on capital expenditure, dividends and share buybacks. 65% of that went back into the business.
Generated
$169.38M
Used
$95.60M
Capital expenditure$62.03M65%Dividends$20.63M22%Share buybacks$12.93M14%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin16.2%
×Asset turnover0.04×
×Equity multiplier11.48×
=Return on equity, FY20258.1%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 16.2% | 0.04× | 11.48× | 8.1% |
| FY2024 | 12.0% | 0.04× | 12.15× | 5.7% |
| FY2023 | 11.8% | 0.04× | 12.28× | 6.1% |
| FY2022 | 12.0% | 0.05× | 10.74× | 6.8% |
| FY2021 | 15.6% | 0.07× | 8.70× | 9.3% |
| FY2020 | 23.0% | 0.08× | 8.42× | 15.4% |
| FY2019 | 17.4% | 0.07× | 8.82× | 10.0% |
| FY2018 | 11.9% | 0.05× | 8.80× | 5.6% |
| FY2017 | 10.8% | 0.05× | 9.72× | 5.7% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
6of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$14.84M
- Cash generatingOperating cash flow above zero$33.13M
- Return on assets improvedROA up on the prior year0.5% → 0.7%
- Earnings backed by cashOperating cash flow above net income$33.13M vs $14.84M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise8M → 8M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.04 → 0.04