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Eagle Bancorp Montana Inc

Eagle Bancorp Montana Inc

EBMT · NASDAQ · Financial Services / Banks - Regional

20.19USD-0.42 (-2.04%)

Price History

Full chart

Market Stats

Previous Close20.61
Open20.29
Day Range20.19 – 20.42
52-Week Range15.48 – 24.51
Volume8.60K
Market Cap170.46M
P/E (TTM)10.34
Forward P/E10.25
EPS2.07
Dividend Yield2.78%
Beta0.34
50-Day Avg22.92
200-Day Avg22.01

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMs. Laura F. Clark
  • Employees355
  • Headquarters1400 Prospect Avenue, Helena, MT, United States, 59601, USA
  • Websitehttps://opportunitybank.com

Leadership

  • Ms. Laura F. ClarkCEO & Director · b. 1957
  • Mr. Patrick Darryl RensmonExecutive VP, President, COO & Director · b. 1961
  • Ms. Miranda J. Spaulding CPASenior VP & CFO · b. 1977
  • Ms. Chantelle R. Nash J.D.Senior VP, Chief Risk Officer, Chief Administrative Officer & Corporate Secretary · b. 1970
  • Ms. Alana M. BindeSenior VP & Chief Human Resources Officer · b. 1968
  • Ms. Rachel R. AmdahlSenior VP & COO of Opportunity Bank of Montana · b. 1969
  • Mr. Dale F. FieldSenior VP & Chief Credit Officer · b. 1972
  • Ms. Linda M. ChiltonChief Retail Officer & Senior VP · b. 1965

Financials

Income Statement

Currency: USD2004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue11.10M12.67M14.91M16.83M13.39M13.39M15.50M18.27M25.11M27.32M25.28M32.23M39.90M41.57M46.32M69.06M90.35M93.19M93.65M112.45M120.42M125.97M
Growth (%)-+14.13%+17.69%+12.88%-20.42%0.00%+15.68%+17.90%+37.45%+8.80%-7.48%+27.50%+23.81%+4.18%+11.44%+49.08%+30.83%+3.14%+0.49%+20.08%+7.09%+4.61%
Cost of Revenue---6.49M6.37M5.82M5.03M4.27M2.92M2.65M1.03M3.76M4.95M5.32M6.08M10.35M-4.07M8.15M30.59M41.29M36.66M
Gross Profit---9.84M13.39M12.68M15.50M14.00M22.19M24.67M25.28M28.47M34.95M36.25M40.24M58.71M90.35M89.13M85.50M81.86M79.13M89.32M
Gross Margin---58.43%100.00%94.66%100.00%76.65%88.35%90.29%100.00%88.34%87.59%87.20%86.87%85.01%100.00%95.63%91.30%72.79%65.71%70.90%
Operating Expense---6.55M3.87M7.07M6.94M11.03M20.86M22.91M21.47M25.73M28.02M30.02M34.35M44.74M61.91M69.84M71.65M70.20M67.74M70.39M
Operating Income2.36M2.41M2.33M3.28M9.53M5.62M8.55M2.97M1.32M1.76M3.81M2.74M6.93M6.23M5.90M13.97M28.44M19.28M13.85M11.65M11.39M18.93M
Operating Margin21.24%19.05%15.64%19.50%71.12%41.92%55.20%16.26%5.27%6.45%15.06%8.51%17.37%14.99%12.73%20.23%31.48%20.69%14.79%10.36%9.46%15.03%
EBITDA2.36M2.41M2.33M3.28M7.53M-8.06M4.36M3.37M3.96M2.30M5.21M9.68M8.71M9.08M18.68M42.41M27.11M21.56M19.55M20.28M25.79M
EBITDA Margin21.24%19.05%15.64%19.50%56.22%-51.99%23.86%13.40%14.51%9.09%16.15%24.27%20.96%19.60%27.04%46.94%29.09%23.02%17.38%16.84%20.47%
Net Income1.74M1.78M1.78M2.11M2.41M2.41M2.41M2.18M1.97M2.11M2.11M2.58M5.13M4.10M4.98M10.87M21.21M14.42M10.70M10.06M9.78M14.84M
Net Income Margin15.70%14.09%11.92%12.53%18.02%18.02%15.58%11.92%7.86%7.73%8.35%8.01%12.86%9.87%10.75%15.74%23.47%15.47%11.43%8.94%8.12%11.78%
R&D-------00000000-------
R&D as % of Total Revenue-------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense---05.11M04.09M3.17M2.25M2.04M2.04M2.46M3.12M4.09M5.10M7.73M6.48M3.21M6.15M29.14M40.77M35.51M
Interest Expense % of Total Revenue---0.00%38.11%0.00%26.37%17.32%8.95%7.48%8.08%7.62%7.81%9.85%11.01%11.19%7.18%3.44%6.57%25.91%33.86%28.19%

Balance Sheet

Currency: USD2004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets206.41M226.18M244.69M279.91M325.74M325.74M331.09M331.87M508.12M516.39M539.11M630.35M673.92M716.78M853.90M1.05B1.26B1.44B1.95B2.08B2.10B2.11B
Total Liabilities184.15M203.63M220.60M254.27M273.31M273.31M278.61M278.68M454.68M468.63M487.40M574.90M614.47M633.17M759.10M932.60M1.10B35.52M1.79B1.91B1.93B1.91B
Total Equity22.27M22.55M24.09M25.63M52.43M52.43M52.43M53.19M53.44M47.76M51.70M55.45M59.46M83.62M94.81M121.66M152.94M1.40B158.42M169.27M174.76M191.81M
Cash---3.54M3.51M3.51M4.54M6.33M9.21M7.05M6.82M7.44M7.32M7.44M11.20M22.38M62.19M54.61M21.81M24.55M31.56M24.11M
Total Debt9.88M27.53M35.16M70.38M72.21M72.38M66.05M58.95M34.62M33.22M65.88M102.61M97.38M107.78M127.10M113.29M46.86M45.38M128.77M234.74M200.08M82.47M
Net Debt9.88M27.53M35.16M70.38M69.50M68.87M61.51M52.62M25.40M26.17M49.79M80.23M90.06M100.34M115.90M90.91M-15.33M-19.74M106.43M210.19M168.52M58.36M

Cash Flow

Currency: USD2007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-5.73M2.40M2.40M11.50M-1.55M-6.88M9.60M4.88M12.89M20.05M13.57M366.00K2.12M56.45M41.91M9.35M28.54M33.13M
Investing Cash Flow--10.22M--36.10M-7.44M20.74M-13.13M-33.69M-76.76M-51.13M-56.79M-50.92M-59.70M-22.04M-232.92M-235.04M-108.20M-27.80M21.96M
Financing Cash Flow32.95M6.73M30.88M30.88M1.98M-8.92M6.35M24.75M66.81M38.12M36.86M41.12M73.05M64.80M168.10M153.51M101.59M6.27M-23.69M
Capital Expenditure2.75M6.16M2.77M2.77M1.13M170.00K1.39M2.32M630.00K2.25M3.54M7.06M10.54M20.64M12.22M16.76M14.19M14.08M4.78M
Free Cash Flow--433.00K-369.00K-369.00K10.37M-1.72M-8.27M7.28M4.25M10.65M16.52M6.51M-10.18M-18.52M44.24M25.15M-4.84M14.46M28.34M
Dividends Paid415.00K435.00K612.00K612.00K1.11M1.11M1.11M1.15M1.16M1.19M1.40M2.00M2.41M2.62M3.02M4.06M4.44M4.54M4.58M
FCF to OCF--7.56%-15.36%-15.36%90.19%110.99%120.23%75.83%87.10%82.57%82.37%47.96%-2780.60%-874.41%78.36%60.01%-51.82%50.66%85.56%
Dividend Paid to FCF--100.46%-165.85%-165.85%10.67%-64.88%-13.48%15.79%27.36%11.21%8.50%30.65%-23.65%-14.12%6.82%16.15%-91.72%31.36%16.15%

Earnings

Report DateSep 30, 2004Dec 31, 2004Mar 31, 2005Jun 30, 2005Sep 30, 2005Dec 31, 2005Mar 31, 2006Sep 30, 2006Dec 31, 2006Mar 31, 2007Jun 30, 2007Sep 30, 2007Dec 31, 2007Mar 31, 2008Jun 30, 2008Sep 30, 2008Dec 31, 2008Mar 31, 2009Jun 30, 2009Sep 30, 2009Mar 3, 2010Apr 22, 2010Jul 22, 2010Oct 26, 2010Jan 25, 2011Apr 26, 2011Jul 26, 2011Oct 25, 2011Jan 24, 2012Apr 24, 2012Jul 24, 2012Oct 23, 2012Jan 24, 2013Apr 30, 2013Jul 26, 2013Oct 29, 2013Jan 28, 2014Apr 28, 2014Jul 28, 2014Oct 28, 2014Jan 27, 2015Apr 28, 2015Jul 28, 2015Oct 27, 2015Jan 26, 2016Apr 29, 2016Jul 28, 2016Oct 25, 2016Jan 26, 2017Apr 21, 2017Jul 21, 2017Oct 23, 2017Jan 29, 2018Apr 24, 2018Jul 24, 2018Oct 23, 2018Jan 29, 2019Apr 23, 2019Jul 23, 2019Oct 22, 2019Jan 28, 2020Apr 28, 2020Jul 28, 2020Oct 28, 2020Jan 26, 2021Apr 27, 2021Jul 27, 2021Oct 26, 2021Jan 25, 2022Apr 26, 2022Jul 26, 2022Oct 25, 2022Jan 26, 2023Apr 25, 2023Jul 25, 2023Oct 24, 2023Jan 23, 2024Apr 23, 2024Jul 23, 2024Oct 29, 2024Jan 28, 2025Apr 29, 2025Jul 29, 2025Oct 28, 2025Jan 27, 2026Apr 28, 2026Jul 28, 2026Oct 27, 2026
EPS Estimate----------------------0.130.130.200.190.120.130.190.150.150.100.150.370.240.180.170.120.080.140.240.200.140.190.200.210.240.330.340.320.380.390.320.250.260.310.330.280.410.530.530.460.550.730.700.920.760.720.580.510.590.500.470.420.460.330.330.260.290.300.280.320.420.470.480.450.500.55
EPS Actual0.080.130.100.080.110.100.090.090.100.100.100.100.050.120.19-0.020.110.230.200.180.120.100.140.220.170.100.120.110.120.170.150.11-0.010.230.170.170.120.030.210.180.240.100.210.140.220.210.320.460.370.200.270.450.290.150.260.330.360.330.510.700.420.590.840.940.760.780.390.730.340.350.420.410.470.420.260.340.280.240.220.340.440.410.410.460.600.510.47-
Surprise----------------------7.69%69.23%-15.00%-47.37%0.00%-15.38%-36.84%13.33%0.00%10.00%-106.67%-37.84%-29.17%-5.56%-29.41%-75.00%162.50%28.57%0.00%-50.00%50.00%-26.32%10.00%0.00%33.33%39.39%8.82%-37.50%-28.95%15.38%-9.38%-40.00%0.00%6.45%9.09%17.86%24.39%32.08%-20.75%28.26%52.73%28.77%8.57%-15.22%-48.68%1.39%-41.38%-31.37%-28.81%-18.00%0.00%0.00%-43.48%3.03%-15.15%-7.69%-24.14%13.33%57.14%28.13%-2.38%-2.13%25.00%13.33%-6.00%-
Timing----------------------After-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap170.46M
Enterprise Value235.25M
Trailing P/E10.34
Forward P/E10.25
PEG Ratio1.06
Price / Sales1.80
Price / Book0.86
EPS2.07
Book Value25.22
Revenue (TTM)94.72M
Gross Profit (TTM)94.72M
Profit Margin16.95%
Operating Margin22.28%
Return on Equity8.50%
Return on Assets0.75%
Shares Outstanding7.97M
Shares Float7.23M
Beta0.34
Dividend Yield2.78%
Dividend Rate0.59
Payout Ratio28.58%

Analyst Ratings

Hold
Based on 3 analystsTarget 25.00
  • Hold
    3

Ownership Breakdown

Institutions
55.48%
Insiders
6.42%
Retail / Other
38.10%

Top Institutional Holders

  • BlackRock Inc
    497.61K6.25%
  • Manufacturers Life Insurance Co
    398.36K5.00%
  • Vanguard Capital Management, LLC
    349.71K4.39%
  • Dimensional Fund Advisors, Inc.
    277.68K3.49%
  • Geode Capital Management, LLC
    172.48K2.17%
  • American Century Companies Inc
    155.32K1.95%
  • O'Shaughnessy Asset Management LLC
    101.02K1.27%
  • State Street Corp
    91.55K1.15%
  • The Goldman Sachs Group Inc
    89.85K1.13%
  • Bridgeway Capital Management, LLC
    78.79K0.99%
  • Comprehensive Portfolio Management, LLC
    69.63K0.87%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    232.07K2.91%
  • iShares Russell 2000 ETF
    213.16K2.68%
  • JHancock Regional Bank A
    213.01K2.67%
  • Avantis US Small Cap Value ETF
    171.29K2.15%
  • JH Financial Opportunities
    155.75K1.96%
  • BSF Systematic US Eq Abs Ret A2 USD
    127.84K1.60%
  • Fidelity Small Cap Index
    80.80K1.01%
  • iShares Russell 2000 Value ETF
    80.22K1.01%
  • Brandes Small Cap Value R6
    78.16K0.98%

Dividends

20264×
0.15Nov 13, 20260.15Aug 14, 20260.14May 15, 20260.14Feb 13, 2026
20254×
0.14Nov 14, 20250.14Aug 15, 20250.14May 16, 20250.14Feb 14, 2025
20244×
0.14Nov 15, 20240.14Aug 16, 20240.14May 16, 20240.14Feb 8, 2024
20234×
0.14Nov 9, 20230.14Aug 10, 20230.14May 11, 20230.14Feb 9, 2023
20224×
0.14Nov 9, 20220.14Aug 11, 20220.13May 12, 20220.13Feb 10, 2022
20214×
0.13Nov 10, 20210.13Aug 12, 20210.10May 13, 20210.10Feb 11, 2021

Stock Splits

  • Apr 5, 201019:5