NASDAQ · Financial Statements

Eagle Bancorp Montana, Inc. (EBMT) Financial Statements

$21.32 NASDAQ: EBMT Market Cap $169.82M

Eagle Bancorp Montana, Inc. most recently reported annual revenue of $126.0M, net profit of $15.0M. Revenue grew at an average annual rate of 7.0% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Eagle Bancorp Montana, Inc.: Revenue rose from $40.0M in 2016 to $126.0M in 2025, a change of +215.0% over 9 years; net profit was positive in all 10 reported years; operating margin moved from 17.4% to 15.0%, a shift of -2.3 percentage points; the most recent year shows net profit of $15.0M.

Income Statement — 10 Years (USD millions)

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Revenue	$40.0M	$42.0M	$46.0M	$69.0M	$90.0M	$93.0M	$94.0M	$112.0M	$120.0M	$126.0M
Operating Expenses	$33.0M	$35.0M	$40.0M	$55.0M	$90.0M	$74.0M	$80.0M	$101.0M	$109.0M	$107.0M
Operating Profit	$7.0M	$6.0M	$6.0M	$14.0M	$0	$19.0M	$14.0M	$12.0M	$11.0M	$19.0M
Operating Margin	17.4%	15.0%	12.7%	20.2%	0.0%	20.7%	14.8%	10.4%	9.5%	15.0%
Other Income	$0	$0	$0	$0	$28.0M	$0	$0	$0	$0	$0
Interest	$3.0M	$4.0M	$5.0M	$8.0M	$6.0M	$3.0M	$6.0M	$29.0M	$41.0M	$36.0M
Depreciation	$3.0M	$2.0M	$3.0M	$5.0M	$7.0M	$8.0M	$8.0M	$8.0M	$9.0M	$7.0M
Profit Before Tax	$7.0M	$6.0M	$6.0M	$14.0M	$28.0M	$19.0M	$14.0M	$12.0M	$11.0M	$19.0M
Tax	$26.0M	$34.1M	$15.5M	$22.2M	$25.4M	$25.2M	$22.7M	$13.7M	$14.2M	$21.5M
Net Profit	$5.0M	$4.0M	$5.0M	$11.0M	$21.0M	$14.0M	$11.0M	$10.0M	$10.0M	$15.0M
EPS	$1.32	$0.99	$0.91	$1.69	$3.11	$2.17	$1.45	$1.29	$1.24	$1.90
Dividend Payout	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

Metric	Sep '23	Dec '23	Mar '24	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26
Revenue	$30.0M	$30.0M	$28.0M	$30.0M	$31.0M	$31.0M	$30.0M	$32.0M	$32.0M	$32.0M	$31.0M	$3.0M
Operating Expenses	$26.0M	$28.0M	$26.0M	$27.0M	$28.0M	$27.0M	$26.0M	$28.0M	$27.0M	$26.0M	$26.0M	$9.0M
Operating Profit	$3.0M	$2.0M	$2.0M	$2.0M	$3.0M	$4.0M	$4.0M	$4.0M	$5.0M	$6.0M	$5.0M	$-5.0M
Operating Margin	10.7%	6.2%	8.0%	7.3%	10.3%	12.0%	13.0%	12.6%	15.4%	18.8%	16.4%	-147.6%
Interest	$9.0M	$9.0M	$10.0M	$10.0M	$11.0M	$10.0M	$9.0M	$9.0M	$9.0M	$8.0M	$8.0M	$7.0M
Profit Before Tax	$3.0M	$2.0M	$2.0M	$2.0M	$3.0M	$4.0M	$4.0M	$4.0M	$5.0M	$6.0M	$5.0M	$5.0M
Tax	$16.6M	$-17.0M	$16.3M	$20.4M	$16.3M	$7.3M	$16.3M	$18.8M	$26.8M	$22.2M	$21.8M	$22.9M
Net Profit	$3.0M	$2.0M	$2.0M	$2.0M	$3.0M	$3.0M	$3.0M	$3.0M	$4.0M	$5.0M	$4.0M	$4.0M
EPS	$0.34	$0.28	$0.24	$0.22	$0.34	$0.44	$0.41	$0.41	$0.46	$0.60	$0.51	$0.47

Over the 10 years reported for Eagle Bancorp Montana, Inc., borrowings decreased from $97.0M in 2016 to $82.0M in 2025, cash stood at $24.0M in the latest year, shareholders' equity was $0, current assets covered current liabilities 0.71 times.

Balance Sheet — 10 Years (USD millions)

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Total Assets	$674.0M	$717.0M	$854.0M	$1.1B	$1.3B	$1.4B	$1.9B	$2.1B	$2.1B	$2.1B
Current Assets	$138.0M	$142.0M	$157.0M	$154.0M	$231.0M	$332.0M	$383.0M	$355.0M	$164.0M	$320.0M
Cash	$7.0M	$7.0M	$11.0M	$22.0M	$62.0M	$55.0M	$22.0M	$25.0M	$32.0M	$24.0M
Inventory	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Receivables	$2.0M	$3.0M	$3.0M	$5.0M	$6.0M	$6.0M	$11.0M	$12.0M	$13.0M	$14.0M
Fixed Assets	$19.0M	$22.0M	$29.0M	$40.0M	$59.0M	$67.0M	$84.0M	$94.0M	$102.0M	$101.0M
Capital Work in Progress	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Investments	$608.0M	$649.0M	$760.0M	$923.0M	$1.0B	$1.2B	$1.7B	$1.8B	$1.8B	$282.0M
Other Assets	$7.0M	$7.0M	$12.0M	$16.0M	$21.0M	$21.0M	$35.0M	$35.0M	$35.0M	$35.0M
Total Liabilities	$614.0M	$633.0M	$759.0M	$933.0M	$1.1B	$1.3B	$1.8B	$1.9B	$1.9B	$1.9B
Current Liabilities	$517.0M	$525.0M	$632.0M	$819.0M	$1.1B	$1.2B	$1.7B	$1.6B	$1.7B	$452.0M
Borrowings	$97.0M	$108.0M	$127.0M	$113.0M	$47.0M	$35.0M	$128.0M	$235.0M	$200.0M	$82.0M
Other Liabilities	$517.0M	$525.0M	$632.0M	$819.0M	$1.1B	$1.2B	$1.7B	$1.7B	$1.7B	$1.8B
Equity	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Reserves	$59.0M	$84.0M	$95.0M	$122.0M	$153.0M	$157.0M	$158.0M	$169.0M	$175.0M	$192.0M

For Eagle Bancorp Montana, Inc., operating cash flow was positive in 9 of 10 reported years; free cash flow in the latest year was $28.0M; free cash flow was positive in 7 of 10 years.

Cash Flow Statement — 10 Years (USD millions)

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Operating Cash Flow	$13.0M	$20.0M	$14.0M	$0	$2.0M	$56.0M	$42.0M	$9.0M	$29.0M	$33.0M
Investing Cash Flow	$-53.0M	$-60.0M	$-58.0M	$-70.0M	$-43.0M	$-245.0M	$-252.0M	$-122.0M	$-42.0M	$17.0M
Financing Cash Flow	$30.0M	$28.0M	$24.0M	$88.0M	$136.0M	$183.0M	$63.0M	$0	$46.0M	$66.0M
Net Cash Flow	$0	$0	$4.0M	$14.0M	$45.0M	$-8.0M	$-40.0M	$3.0M	$7.0M	$31.0M
Free Cash Flow	$11.0M	$17.0M	$7.0M	$-10.0M	$-19.0M	$44.0M	$25.0M	$-5.0M	$14.0M	$28.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	0.38
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	38.01%
Return 3Y	96.50%
Return 5Y	18.62%

Eagle Bancorp Montana, Inc. (EBMT) financials — frequently asked questions

What is Eagle Bancorp Montana, Inc.'s annual revenue?

Eagle Bancorp Montana, Inc. (EBMT) reported annual revenue of $126.0M in its most recent fiscal year.

What is Eagle Bancorp Montana, Inc.'s net profit?

Eagle Bancorp Montana, Inc. (EBMT) reported net profit of $15.0M in its most recent fiscal year.

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