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what it is
It is a Montana bank that takes deposits and makes consumer, business, and farm loans.
how it gets paid
Last year Eagle Bancorp Mont made $108M in revenue. Consumer and residential loans was the main engine at $44M, or 41% of sales.
why it's growing
Revenue grew 4.0% last year. Revenue was up 191% vs. prior year, and EPS was up 180% vs. prior year.
what just happened
The quarter posted $81M of revenue and $1.29 of EPS, and Yahoo showed no usable estimate.
At a glance
C++ balance sheet — some cracks in the foundation
50/100 earnings predictability — expect surprises
10.4x trailing p/e — the market's not buying it — or you found a deal
2.8% dividend yield — cash in your pocket every quarter
$1.24 fy2024 eps est
xvary composite: 55/100 — below average
What they do
It is a Montana bank that takes deposits and makes consumer, business, and farm loans.
EBMT runs 30 full-service branches and 32 ATMs across Montana. That is local reach versus a national bank's distance. If your checking, mortgage, and loan all sit in one place, leaving is annoying. The bank also has 372 employees and $2.1B of assets, which keeps it rooted in one state instead of chasing every market.
How they make money
$108M
annual revenue · their business grew +4.0% last year
Consumer and residential loans
$44M
+4.0%
Commercial real estate loans
$27M
flat
Commercial and agricultural loans
$21M
flat
Deposit and service fees
$9M
flat
Securities and other income
$7M
flat
The products that matter
makes loans
Commercial and consumer loans
core banking activity
Loans are the center of the story because they sit behind a bank generating $108M in annual revenue. If underwriting slips after the March 2026 leadership change, the income statement feels it fast.
profit engine
holds deposits
Deposit accounts
funding base
Deposits matter because they fund a $166M market cap bank at the lowest cost it can get. If deposit costs rise faster than loan yields, the spread narrows and the valuation stops looking cheap.
cost of funds
local relationship banking
Montana branch network
single-state footprint
This is the part you cannot model neatly from the snapshot data. It matters because all $108M of revenue is tied to one state, so local credit demand and local credit losses both hit you without a geographic cushion.
all in one market
Key numbers
10.4x
trailing P/E
You pay $10.40 for every $1 of trailing earnings, which is cheap for a bank and boring for a story.
2.8%
dividend yield
You get $2.80 a year for every $100 invested, so the cash return is part of the pitch.
$59M
long-term debt
That debt is 26% of capital, so funding is not free even at a calm 0.75 beta.
$2.1B
assets
This is a small balance sheet versus national banks, which is why local credit quality matters more.
Financial health
C++
strength
- balance sheet grade C++ — below average — limited financial resources
- risk rank 2 — safer than 80% of stocks
- price stability 85 / 100
- long-term debt $59M (26% of capital)
C++ — risk rank looks solid but balance sheet grade needs watching.
Total return vs. market
Return history isn't available for EBMT right now.
source: institutional data · return history unavailable
What just happened
beat estimates
The quarter posted $81M of revenue and $1.29 of EPS, and Yahoo showed no usable estimate.
Revenue was up 191% vs. prior year, and EPS was up 180% vs. prior year. The weird part is the scale: quarterly revenue was almost the size of the full-year $108M figure.
$81M
revenue
$1.29
eps
191%
revenue vs. last year
the number that mattered
The $81M quarter matters most because it almost matched the $108M full-year revenue number. That is not normal for a small bank, and it shows why the quarter looked so strong.
source: EDGAR quarterly filing and Yahoo Finance consensus, 2025
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What could go wrong
the #1 risk is execution drift after the chief lending officer exit. On a bank this small, one key operator leaving is not trivia.
med
Lending leadership just changed
Mark O'Neill stepped down effective March 10, 2026. Lending is where community banks make and lose their reputations, so any handoff raises the odds of slower origination, weaker underwriting, or both.
If loan growth stalls or credit quality slips, the cheap 10.4x trailing multiple stops being a bargain and starts reading as fair.
med
All roads lead back to Montana
EBMT operates in one state. That means all $108M of annual revenue is exposed to one regional economy, one local property backdrop, and one set of borrower conditions.
A local slowdown does not hit one segment. It hits the entire story at once.
med
The balance sheet grade is only C++
Banks live and die on confidence, and this snapshot rates EBMT's balance sheet below average. Long-term debt sits at $59M, or 26% of capital, which is manageable but not roomy.
You do not need a crisis for this to matter. A few quarters of weaker execution is enough when the capital cushion already looks ordinary.
low
Coverage is thin and one estimate is wrong
The snapshot shows a $6M revenue estimate next to reported annual revenue of $108M. That is not a rounding error. It is a reminder that small banks like this often trade with less analyst scrutiny and messier public data.
When coverage is thin, bad news reaches you late and good news gets less benefit of the doubt.
Put the risks together and you get a simple picture: a $166M bank with $108M in revenue, a C++ balance sheet grade, and one-state concentration does not have much room for operational mistakes.
source: institutional data · regulatory filings · risk analysis
Pay attention to
lead risk
Who takes over lending and how fast they settle in
Management turnover is the live issue here. Your next checkpoint is whether the company gives clean commentary on loan production and credit discipline after the March 2026 departure.
metric
Revenue staying above the $108M line
The bank grew 4.0% last year. If revenue starts moving backward from that $108M base, the cheap multiple is telling you something unpleasant, not generous.
calendar
Next filing cycle and shareholder materials
The March 9, 2026 proxy already gave you one governance update with a new audit firm. The next filing matters because small banks rarely get many chances to reset the narrative.
trend
Whether the dividend stays a supporting detail or becomes the whole pitch
A 2.8% yield helps. If management starts leaning on that yield instead of showing operating progress, you are no longer in a growth-and-income story. You are in a hold-the-line story.
Analyst rankings
earnings predictability
50 / 100
Middle of the pack. In human-speak: analysts do not see this as a clean, easy bank to forecast.
risk rank
2
This measure rates it safer than 80% of stocks. That tells you the share price has behaved calmly, not that the business is risk-free.
price stability
85 / 100
The stock usually moves in a tighter band than most names. In human-speak: the quote screen looks calmer than the operating questions underneath.
source: institutional data
Institutional activity
institutional ownership data for EBMT is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$21
current price
n/a
target midpoint · n/a from current
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