Stocks · Financial Services · Banks - Regional
Eagle Bancorp Montana, Inc. EBMT
$21.25 -0.14% Close, Oct 2, 2026 · NASDAQ · Market cap $169.3M
Next earnings report: Oct 27, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Net debt is 5.2× EBITDA, a high level of leverage.
- Revenue over the last four quarters was $99.2M, down 19.7% from a year earlier, slowing from 4.7% a quarter earlier.
- Diluted EPS over the last four quarters was $2.04, up 27.5% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 6%
- EPS growth (TTM, YoY)Top 40%
- FCF growth (TTM, YoY)Top 34%
- Revenue growth, 3-year CAGRBottom 32%
- Revenue growth accelerationBottom 7%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 34%
- Gross marginTop 47%
- Operating marginBottom 25%
- Cash conversion (OCF / net income)Top 34%
- Accruals (lower is better)Top 49%
- Net debt / EBITDA (lower is better)Bottom 24%
- Interest coverBottom 19%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 19%
- Free-cash-flow yieldTop 30%
- EBITDA / enterprise valueBottom 46%
- Sales / enterprise valueTop 33%
- P/E vs own 5-year history (lower is better)Top 40%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 22%
- 6-month returnBottom 29%
- 1-year return vs S&P 500Top 26%
- Distance from 52-week highBottom 38%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 31%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 30%
- Upside to consensus price targetBottom 41%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 47%
- Maximum drawdown, 3 yearsTop 32%
- Beta vs S&P 500 (lower is better)Top 38%
- Net debt / EBITDA (lower is better)Bottom 24%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 4.7% | -19.7% | ↓ |
| EPS growth (YoY) | 40.4% | 27.5% | ↓ |
| Gross margin | 67.3% | 66.7% | ↓ |
| Operating margin | 12.0% | 11.2% | ↓ |
| FCF margin | 10.6% | 18.9% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -19.7% | 4.7% | ↓ | Bottom 6% |
| EPS growth (TTM, YoY) | 27.5% | 40.4% | ↓ | Top 40% |
| Gross margin | 66.7% | 67.3% | ↓ | Top 47% |
| Operating margin | 11.2% | 12.0% | ↓ | Bottom 25% |
| Net margin | 16.2% | 10.2% | ↑ | — |
| Free-cash-flow margin | 18.9% | 10.6% | ↑ | — |
| Return on invested capital | 0.4% | — | Bottom 34% | |
| Revenue growth, 3-year CAGR | 10.4% | — | Bottom 32% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.41×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 2.5%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +16.8 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 5.20×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.73%
- Net buyback yield (TTM)
- 0.24%
- Shareholder yield
- 2.97%
- Share count change, 1 year
- +0.5%
- Share count change, 3-year CAGR
- +0.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- +8.9%
- Average 2-day reaction, last 8
- +0.6%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $24.00
- Target vs current price
- +12.9%
- Analysts with a rating
- 6
- Share rating Buy or Strong Buy
- 33%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 28, 2026 | -5.4% | +0.2% | +0.2% | -2.8% | — |
| Apr 28, 2026 | +13.3% | +0.4% | +1.6% | +1.8% | +3.6% |
| Jan 27, 2026 | +27.7% | +5.3% | +8.9% | +7.5% | +5.7% |
| Oct 28, 2025 | +0.0% | -1.5% | -1.9% | -1.5% | +23.4% |
| Jul 29, 2025 | +0.0% | -1.2% | -3.1% | +4.9% | +3.9% |
| Apr 29, 2025 | +24.2% | +1.7% | +6.5% | -0.8% | -5.0% |
| Jan 28, 2025 | +46.7% | -0.4% | +0.5% | +18.9% | +13.8% |
| Oct 29, 2024 | +13.3% | +0.5% | -3.8% | +3.7% | -10.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 28, 2026 | $0.47 | $0.50 | -5.4% | $24.2M |
| Apr 28, 2026 | $0.51 | $0.45 | +13.3% | $23.6M |
| Jan 27, 2026 | $0.60 | $0.47 | +27.7% | $24.3M |
| Oct 28, 2025 | $0.46 | $0.46 | +0.0% | $23.0M |
| Jul 29, 2025 | $0.41 | $0.41 | +0.0% | $22.6M |
| Apr 29, 2025 | $0.41 | $0.33 | +24.2% | $20.5M |
| Jan 28, 2025 | $0.44 | $0.30 | +46.7% | $21.4M |
| Oct 29, 2024 | $0.34 | $0.30 | +13.3% | $20.4M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.4× | 11.4× | 43th | Top 19% |
| P/E (forward) | 10.4× | — | — | — |
| EV / EBITDA | 17.7× | — | — | Bottom 46% |
| EV / Sales | 2.42× | — | — | Top 33% |
| Free-cash-flow yield | 11.06% | — | — | Top 30% |
| Earnings yield | 9.60% | — | — | Top 19% |
P/E over the past five years
Range 7.6× – 15.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +24.1%
- Earnings per share growth (TTM)
- +27.5%
- Change in P/E multiple
- +18.0%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -2.8%
- 200-day average slope (20 days)
- +2.2%
- Distance from 50-day average
- -6.3%
- Distance from 200-day average
- -3.8%
- RSI (14)
- 35.8
- Relative volume
- 0.84×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 19.9%
- Volatility vs own 5-year history
- 34th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.57
- Correlation with S&P 500
- 0.35
- Current drawdown from 1-year high
- -13.0%
- Maximum drawdown, 3 years
- -23.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 15, 2021 | Nov 10, 2023 | -55.4% | 671 days | Not yet recovered |
| Dec 8, 2020 | Dec 14, 2020 | -11.1% | 4 days | 18 days (Jan 11, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $169.3M
- P/E (TTM)
- 10.4
- EPS, diluted (TTM)
- $2.04
- Revenue (TTM)
- $99.2M
- Dividend yield
- 2.74%
- 52-week range
- $15.80 – $24.66
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $93.2M | $93.6M | $112.5M | $120.4M | $126.0M |
| Gross profit | $89.1M | $85.5M | $81.9M | $79.1M | $89.3M |
| Operating income | $19.3M | $13.8M | $11.7M | $11.4M | $18.9M |
| Net income | $14.4M | $10.7M | $10.1M | $9.8M | $14.8M |
| EPS (diluted) | $2.17 | $1.45 | $1.29 | $1.24 | $1.90 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $31.4M | $30.9M | $29.7M | $31.6M | $32.2M | $32.5M | $31.1M | $3.5M |
| Net income | $2.7M | $3.4M | $3.2M | $3.2M | $3.6M | $4.7M | $4.0M | $3.7M |
| EPS (diluted) | $0.34 | $0.44 | $0.41 | $0.41 | $0.46 | $0.60 | $0.51 | $0.47 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $56.5M | $41.9M | $9.3M | $28.5M | $33.1M |
| Capital expenditure | -$12.2M | -$16.8M | -$14.2M | -$14.1M | -$4.8M |
| Free cash flow | $44.2M | $25.1M | -$4.8M | $14.5M | $28.3M |
| Dividends paid | -$3.0M | -$4.1M | -$4.4M | -$4.5M | -$4.6M |
| Net share buybacks | -$6.3M | -$4.4M | -$231,000 | -$419,000 | -$1.6M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $311.8M
- Total assets
- $2.13B
- Total liabilities
- $1.93B
- Total debt
- $96.6M
- Net debt
- $70.5M
- Shareholders’ equity
- $197.3M
As of Jun 30, 2026 (filed Aug 5, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 14, 2026 | $0.15 | Sep 4, 2026 |
| May 15, 2026 | $0.15 | Jun 5, 2026 |
| Feb 13, 2026 | $0.15 | Mar 6, 2026 |
| Nov 14, 2025 | $0.15 | Dec 5, 2025 |
| Aug 15, 2025 | $0.15 | Sep 5, 2025 |
| May 16, 2025 | $0.14 | Jun 6, 2025 |
| Feb 14, 2025 | $0.14 | Mar 7, 2025 |
| Nov 15, 2024 | $0.14 | Dec 6, 2024 |
Short interest
- Shares sold short
- 221,921
- Days to cover
- 7.60
- Change vs previous report
- +4.9%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Apr 5, 2010
- 19-for-5