EBMT

MKT CAP:$175M

Eagle Bancorp Montana, Inc.

Market Cap

$175M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$22.07+$2.50 (+12.80%)

Apr 21, 2026

Company Details

Eagle Bancorp Montana, Inc. operates as the bank holding company for Opportunity Bank of Montana that provides various retail banking products and services to small businesses and individuals in Montana. It accepts various deposit products,...

CEO

Laura F. Clark

IPO Date

Apr 6, 2000

Website

www.opportunitybank.com

Key Metrics TTM

Revenue

$124M

+4.1% YoY

Net Income

$14M

EPS (Diluted)

$1.72

Free Cash Flow

$21M

Revenue / Share

$15.90

Gross Margin

69.2%

Operating Margin

13.3%

Net Margin

10.9%

FCF Margin

16.9%

P/S

1.4x

P/E

12.9x

Earnings Reports

Q4 2025

May 5, 2026

PENDING

FY 2025

Mar 9, 2026

$126M+4.6%EPS $1.90

Q3 2025

Nov 5, 2025

$32M+2.6%EPS $0.46

Q2 2025

Aug 7, 2025

$32M+6.5%EPS $0.41

Q1 2025

May 8, 2025

$30M+4.3%EPS $0.41

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q4 21	$22M	$21M	$2M
Q1 22	$20M	$19M	$3M
Q2 22	$24M	$22M	$2M
Q3 22	$25M	$23M	$4M
Q4 22	$23M	$20M	$4M
Q1 23	$25M	$20M	$4M
Q2 23	$28M	$21M	$2M
Q3 23	$30M	$21M	$3M
Q4 23	$30M	$20M	$2M
Q1 24	$28M	$19M	$2M
Q2 24	$30M	$19M	$2M
Q3 24	$31M	$20M	$3M
Q4 24	$31M	$21M	$4M
Q1 25	$30M	$21M	$4M
Q2 25	$32M	$22M	$4M
Q3 25	$32M	$23M	$5M

Valuation

Quarter	P/S	P/E
Q4 21	1.6x	10.3x
Q1 22	1.6x	12.7x
Q2 22	1.6x	13.9x
Q3 22	1.6x	16.6x
Q4 22	1.4x	12.1x
Q1 23	1.1x	9.2x
Q2 23	1.0x	8.6x
Q3 23	0.9x	8.0x
Q4 23	1.1x	12.0x
Q1 24	0.9x	11.5x
Q2 24	0.9x	12.2x
Q3 24	1.0x	14.5x
Q4 24	1.0x	12.0x
Q1 25	1.1x	11.8x
Q2 25	1.1x	10.3x
Q3 25	1.1x	10.0x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q4 21	$24M	$22M
Q1 22	$6M	$3M
Q2 22	$11M	$7M
Q3 22	-$1M	-$5M
Q4 22	$26M	$20M
Q1 23	-$1M	-$5M
Q2 23	-$8M	-$11M
Q3 23	$6M	$1M
Q4 23	$12M	$10M
Q1 24	$7M	$2M
Q2 24	$3M	$629.0K
Q3 24	$3M	-$749.0K
Q4 24	$16M	$12M
Q1 25	$2M	$262.0K
Q2 25	$2M	$1M
Q3 25	$9M	$7M

Capital Expenditures

Quarter	CapEx
Q4 21	$2M
Q1 22	$3M
Q2 22	$4M
Q3 22	$4M
Q4 22	$6M
Q1 23	$3M
Q2 23	$3M
Q3 23	$5M
Q4 23	$3M
Q1 24	$5M
Q2 24	$3M
Q3 24	$3M
Q4 24	$3M
Q1 25	$2M
Q2 25	$359.0K
Q3 25	$2M

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q4 21	-8.9%	+13.9%
Q1 22	-19.6%	-4.2%
Q2 22	+5.0%	+12.0%
Q3 22	-1.6%	+9.4%
Q4 22	+5.5%	-4.3%
Q1 23	+25.7%	+22.0%
Q2 23	+17.7%	+19.9%
Q3 23	+18.0%	+26.1%
Q4 23	+30.0%	+50.8%
Q1 24	+14.3%	+27.0%
Q2 24	+6.0%	+7.2%
Q3 24	+5.9%	+6.3%
Q4 24	+3.0%	-3.3%
Q1 25	+4.3%	-1.5%
Q2 25	+6.5%	+0.4%
Q3 25	+2.6%	-3.2%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q4 21	$339.0K	1.6%
Q1 22	$271.0K	1.4%
Q2 22	$256.0K	1.1%
Q3 22	$221.0K	0.9%
Q4 22	$228.0K	1.0%
Q1 23	$244.0K	1.0%
Q2 23	$223.0K	0.8%
Q3 23	$220.0K	0.7%
Q4 23	-$9.0K	-0.0%
Q1 24	$217.0K	0.8%
Q2 24	$212.0K	0.7%
Q3 24	$221.0K	0.7%
Q4 24	$219.0K	0.7%
Q1 25	$260.0K	0.9%
Q2 25	$282.0K	0.9%
Q3 25	$283.0K	0.9%

OpEx Breakdown

Quarter	G&A	S&M
Q4 21	$13M	$426.0K
Q1 22	$10M	$285.0K
Q2 22	$12M	$303.0K
Q3 22	$12M	$464.0K
Q4 22	$7M	$367.0K
Q1 23	$10M	$281.0K
Q2 23	$11M	$309.0K
Q3 23	$11M	$340.0K
Q4 23	$12M	$445.0K
Q1 24	$10M	$253.0K
Q2 24	$11M	$316.0K
Q3 24	$10M	$277.0K
Q4 24	$10M	$466.0K
Q1 25	$10M	$232.0K
Q2 25	$391.0K	$280.0K
Q3 25	$11M	$308.0K

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 22	$80M	$265M	$345M
Q2 22	$36M	$386M	$423M
Q3 22	$25M	$354M	$379M
Q4 22	$22M	$349M	$371M
Q1 23	$19M	$349M	$369M
Q2 23	$23M	$326M	$349M
Q3 23	$21M	$309M	$330M
Q4 23	$25M	$318M	$343M
Q1 24	$21M	$311M	$332M
Q2 24	$24M	$307M	$331M
Q3 24	$42M	$307M	$349M
Q4 24	$32M	$119M	$151M
Q1 25	$23M	$119M	$142M
Q2 25	$27M	$113M	$140M
Q3 25	$30M	$260M	$290M
Q4 25	$24M	$282M	$306M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q4 21	7M	+0.3%	-3.7%
Q1 22	7M	-0.7%	-4.0%
Q2 22	7M	+13.9%	+9.2%
Q3 22	8M	+5.2%	+19.3%
Q4 22	8M	-0.4%	+18.5%
Q1 23	8M	+0.2%	+19.5%
Q2 23	8M	+0.0%	+5.0%
Q3 23	8M	-0.0%	-0.2%
Q4 23	8M	+0.3%	+0.5%
Q1 24	8M	+0.3%	+0.5%
Q2 24	8M	+0.1%	+0.7%
Q3 24	8M	+0.2%	+0.9%
Q4 24	8M	+0.1%	+0.7%
Q1 25	8M	-0.6%	-0.1%
Q2 25	8M	-0.1%	-0.3%
Q3 25	8M	+0.0%	-0.5%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q4 21	$62.2K	351
Q1 22	$56.5K	351
Q2 22	$67.8K	351
Q3 22	$71.5K	351
Q4 22	$57.8K	399
Q1 23	$62.5K	399
Q2 23	$70.2K	399
Q3 23	$74.2K	399
Q4 23	$78.3K	383
Q1 24	$74.4K	383
Q2 24	$77.5K	383
Q3 24	$81.9K	383
Q4 24	$83.0K	372
Q1 25	$79.9K	372
Q2 25	$85.0K	372
Q3 25	$86.5K	372

Revenue / Employee