EBMT
Eagle Bancorp Montana, Inc.
EBMT's fundamentals are mixed: revenue grew 9.6%, while earnings per share grew 15%. At 10x earnings, it's trading right at its usual valuation. Analysts expect earnings growth, though they disagree widely on how much.
EBMT Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
EBMT's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like EBMT.
EBMT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.8x | $15.45 | -25% |
| Forward | 9x | $20.61 | — |
| Fair | 10x | $20.77 | +0.8% |
| Current | 10x | $20.61 | — |
| Expensive | 13x | $24.90 | +21% |
Historical ranges are pointers, not guarantees.
EBMT's PE is in its fair range at 10x. If earnings grow as analysts expect, today's price would be 9.0x next year's earnings.
EBMT Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for EBMT, with profitability improving. However, they disagree widely on these estimates.
EBMT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.30 | +16% |
| Q3 2026 | $1.98 | +15% |
| Q2 2026 | $2.06 | +29% |
| Q1 2026 | $2.00 | +42% |
| Q4 2025 | $1.90 | +53% |
| Q3 2025 | $1.72 | +61% |
| Q2 2025 | $1.60 | +50% |
| Q1 2025 | $1.41 | +27% |
| Q4 2024 | $1.24 | -3.9% |
EBMT's earnings per share have fallen from their peak: $1.98 over the past year, against $3.32 in early 2021.
EBMT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $25.1M | +7.2% |
| Q2 2026 | $24.2M | +5.2% |
| Q1 2026 | $23.6M | +13% |
| Q4 2025 | $24.3M | +14% |
| Q3 2025 | $23.4M | +13% |
| Q2 2025 | $23M | +15% |
| Q1 2025 | $20.9M | +9.1% |
| Q4 2024 | $21.4M | +1.7% |
EBMT's revenue has grown year over year for eight quarters in a row: $25M last quarter, up 7.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 15% | -5.8 points |
| Q2 2026 | 20% | +2.6 points |
| Q1 2026 | 22% | +3.1 points |
| Q4 2025 | 25% | +7.7 points |
| Q3 2025 | 21% | +5.6 points |
| Q2 2025 | 17% | +6.4 points |
| Q1 2025 | 19% | +6.7 points |
| Q4 2024 | 17% | +8.5 points |
EBMT's operating margin was 15% last quarter, down 5.8 points from the same quarter a year ago.
EBMT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $9.5M | +34% |
| Q2 2026 | -$2.8M | -301% |
| Q1 2026 | -$5.2M | -2079% |
| Q4 2025 | $19.6M | +60% |
| Q3 2025 | $7.1M | +$7.8M |
| Q2 2025 | $1.4M | +121% |
| Q1 2025 | $262K | -89% |
| Q4 2024 | $12.2M | +27% |
EBMT's free cash flow was $21M over the past year, about the same as the year before. Free cash flow isn't a meaningful measure for financial services companies like EBMT.
EBMT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +11.5K shares |
| 1 year | +0.6% | +45.4K shares |
| 3 years | +1.1% | +82K shares |
| 5 years | +20% | +1.3M shares |
| Available history | +22% | +1.4M shares |
EBMT has 8M diluted shares, up 0.6% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | $410,000 |
| Q3 2025 | — |
| Q2 2025 | $408,000 |
| Q1 2025 | $755,000 |
| Q4 2024 | $419,000 |
EBMT spent $410,000 buying back its own shares over the past year, down 74% from the year before.
EBMT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.8x | Very low |
| Q2 2026 | 0.6x | Very low |
| Q1 2026 | -0.4x | Net Cash |
| Q4 2025 | -0.7x | Net Cash |
| Q3 2025 | 1.3x | Healthy |
| Q2 2025 | 1.5x | Healthy |
| Q1 2025 | 1.9x | Healthy |
| Q4 2024 | 1.5x | Healthy |
EBMT's net debt is less than a year of its operating earnings (EBITDA), down from 1.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like EBMT.
EBMT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 38.8 | Neutral |
| Stochastic | 18.6 | Oversold |
EBMT's weekly RSI is 39 (neutral) and its Stochastic is 19 (oversold).
EBMT PE vs Financial Services Sector
| Metric | EBMT | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 20% below |
| PE % | 48 | 63 | 15 pts below |
EBMT is trading at 10x earnings, a 20% discount to the Financial Services sector's median of 13x.
EBMT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $21.0 | 1.9% below |
| 20 week MA | $22.3 | 7.4% below |
| 50 week MA | $21.8 | 5.4% below |
| 100 week MA | $19.2 | 7.5% above |
| 200 week MA | $16.6 | 24% above |
EBMT has pulled back, but its long-term trend is still up: it's below its 8-, 20- and 50-week averages, but 24% above its 200-week average.
EBMT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $21.1 | $21.9 | +3.8% |
| 2021 | $21.9 | $22.9 | +4.7% |
| 2022 | $22.9 | $16.2 | -29% |
| 2023 | $16.2 | $15.8 | -2.4% |
| 2024 | $15.8 | $15.3 | -3.4% |
| 2025 | $15.3 | $19.8 | +30% |
| 2026 YTD | $19.8 | $20.6 | +4.2% |
EBMT has finished lower in three of the last six years. It's up 4.2% so far in 2026.