Eagle Bancorp Montana (EBMT) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Eagle Bancorp Montana

NasdaqGM•Financial Services•Banks - Regional

$22.89+0.07(<0.01%)Market closed

Market Cap

$174.95M

P/E

10.9x

P/S

1.4x

P/B

0.9x

Eagle Bancorp Montana, Inc. operates as the bank holding company for Opportunity Bank of Montana that provides various 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. The company also provides 1-4 family residential mortgage loans, such as residential mortgages and residential property construction loans; 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 comprising 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 loans. The company operates full-service branches and automated teller machines. The company was founded in 1922 and is headquartered in Helena, Montana.

How this company scores

WeakMetricSide Score: 69/100

Grade capped at D — Interest coverage below 1× (0.6x) — earnings cannot cover interest. Strongest: Growth (19/25); weakest: Cash & Earnings Quality (16/25).

Profitability18/25

Growth19/25

Balance Sheet & Red Flags16/25

Cash & Earnings Quality16/25

Strengths

Rising free cash flowStrong marginsRising earningsLow leverage

Grade capped at D

Interest coverage below 1× (0.6x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.9x5y range 8.0x – 17.1x

Currently near its 20-quarter median.

P/S · 1.4x5y range 0.8x – 1.6x

Currently near its 20-quarter median.

P/B · 0.9x5y range 0.6x – 1.0x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Earnings Quality

Red Flag

FCF consistently trails net income (avg 1.0x) — earnings may be inflated by non-cash items or aggressive accounting.

Cash Burn

Watch

FCF turned negative in 3 of the last 8 quarters — occasional cash consumption.

Price & Volume

Market Cap $174.95M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $127.77M
Q. Revenue: $31.63M
TTM EBITDA: $29.44M
TTM Op. Income: $20.95M
Q. Op. Income: $4.82M
TTM Net Income: $16.06M
Q. Net Income: $3.71M
EPS: $0.47
Shares Out.: $7.83M

$127.77M in TTM revenue grew 2.2% YoY, reaching $31.63M last quarter. TTM EBITDA of $29.44M and TTM operating income of $20.95M show growth is flowing through to the bottom line. TTM net income of $16.06M means revenue is converting into profit. Over the past year, TTM revenue is up 2% — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 76.4%
EBITDA Margin: 21.6%
Op. Margin: 15.2%
Net Margin: 11.7%

Op. margin of 15.2% is up 2.8% YoY — cost efficiency is improving. Net margin at 11.7% and gross margin of 76.4% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has fallen for 2 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 10.9x
P/S Ratio: 1.4x
P/B Ratio: 0.9x

At 10.9x P/E, the stock trades below typical market levels. P/S of 1.4x and P/B of 0.9x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 6% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.13B
Cash: $28.96M
Long-Term Debt: $44.51M
Book Value: $197.41M
D/E Ratio: 0.2
Debt/EBITDA: 6.5

With $2.13B in assets and $44.51M in long-term debt, D/E is 0.2and book value is $197.41M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 6 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $-2.07M
TTM Free Cash Flow: $18.72M
FCF Margin: 14.7%
FCF / Net Income: 1.2

TTM FCF of $18.72M on $-2.07M in operating cash flow. The FCF / Net Income ratio of 1.2x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has fallen for 2 consecutive quarters — a weakening trend.