📊 EBMT Key Takeaways
Is Eagle Bancorp Montana, Inc. (EBMT) a Good Investment?
Eagle Bancorp Montana exhibits strong revenue growth of 48.7% YoY, but fundamental deterioration is severe: net income is flat despite revenue expansion, interest coverage of 0.5x indicates the company cannot cover interest expenses from operating earnings, and negative operating cash flow of -$4.7M raises critical solvency concerns. The extremely low ROA (0.2%) and ROE (2.1%) suggest capital is being deployed inefficiently or the business is under significant operational stress.
Eagle Bancorp Montana shows solid top-line expansion, positive operating leverage, and healthy reported free cash flow generation, which supports a stable fundamental profile. However, flat net income despite strong revenue growth suggests weaker earnings conversion, and profitability metrics like 0.7% ROA and 7.7% ROE remain only moderate for a bank. Overall, the fundamentals look stable but not strong enough to justify a more aggressive rating until profit quality improves.
Eagle Bancorp Montana, Inc. Key Strengths (EBMT)
- Strong top-line growth of 48.7% YoY demonstrates market demand and revenue expansion capabilities
- Conservative capital structure with debt-to-equity ratio of only 0.23x provides balance sheet flexibility
- Operating margin of 19.4% and net margin of 15.2% show reasonable profitability per dollar of revenue
- Revenue grew 48.7% year over year, indicating strong balance sheet and income expansion
- The company remains profitable with $14.84M in net income, a 17.4% operating margin, and positive operating cash flow
- Reported leverage appears manageable with $191.81M of equity against $44.45M of long-term debt
EBMT Stock Risks: Eagle Bancorp Montana, Inc. Investment Risks
- Critical: Interest coverage ratio of 0.5x means operating income cannot cover interest expenses, signaling financial distress
- Negative operating cash flow (-$4.7M) and free cash flow (-$5.2M) indicate the business is not generating cash from operations and is unsustainable
- Net income unchanged YoY despite 48.7% revenue growth reveals margin compression, rising costs, or asset quality deterioration
- Net income was flat year over year despite sharp revenue growth, pointing to weaker incremental profitability
- Return metrics are modest with 7.7% ROE and 0.7% ROA, suggesting average capital efficiency
- Interest coverage of 1.9x is thin and leaves less room if funding costs stay elevated or credit quality weakens
Key Metrics to Watch
- Operating cash flow and trend - must achieve positive cash generation within next two quarters
- Interest coverage ratio - must exceed 1.5x to signal financial stability
- Asset quality metrics (non-performing loans, provision for loan losses) - deterioration likely driving profitability drag
- Net interest margin and operating margin progression
- ROA, ROE, and nonperforming assets versus total assets
Eagle Bancorp Montana, Inc. (EBMT) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
EBMT Profit Margin, ROE & Profitability Analysis
EBMT vs Finance Sector: How Eagle Bancorp Montana, Inc. Compares
How Eagle Bancorp Montana, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Eagle Bancorp Montana, Inc. Stock Overvalued? EBMT Valuation Analysis 2026
Based on fundamental analysis, Eagle Bancorp Montana, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Eagle Bancorp Montana, Inc. Balance Sheet: EBMT Debt, Cash & Liquidity
EBMT Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Eagle Bancorp Montana, Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $1.24 reflects profitable operations.
EBMT Revenue Growth, EPS Growth & YoY Performance
Eagle Bancorp Montana, Inc. Dividends, Buybacks & Capital Allocation
EBMT SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Eagle Bancorp Montana, Inc. (CIK: 0001478454)
📋 Recent SEC Filings
❓ Frequently Asked Questions about EBMT
What is the AI rating for EBMT?
Eagle Bancorp Montana, Inc. (EBMT) has a Combined AI Grade of C from Claude (C) and ChatGPT (B) with 76% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are EBMT's key strengths?
Claude: Strong top-line growth of 48.7% YoY demonstrates market demand and revenue expansion capabilities. Conservative capital structure with debt-to-equity ratio of only 0.23x provides balance sheet flexibility. ChatGPT: Revenue grew 48.7% year over year, indicating strong balance sheet and income expansion. The company remains profitable with $14.84M in net income, a 17.4% operating margin, and positive operating cash flow.
What are the risks of investing in EBMT?
Claude: Critical: Interest coverage ratio of 0.5x means operating income cannot cover interest expenses, signaling financial distress. Negative operating cash flow (-$4.7M) and free cash flow (-$5.2M) indicate the business is not generating cash from operations and is unsustainable. ChatGPT: Net income was flat year over year despite sharp revenue growth, pointing to weaker incremental profitability. Return metrics are modest with 7.7% ROE and 0.7% ROA, suggesting average capital efficiency.
What is EBMT's revenue and growth?
Eagle Bancorp Montana, Inc. reported revenue of $26.2M.
Does EBMT pay dividends?
Eagle Bancorp Montana, Inc. pays dividends, with $1.2M distributed to shareholders in the trailing twelve months.
Where can I find EBMT SEC filings?
Official SEC filings for Eagle Bancorp Montana, Inc. (CIK: 0001478454) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is EBMT's EPS?
Eagle Bancorp Montana, Inc. has a diluted EPS of $0.51.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is EBMT's fundamental grade?
Based on our AI fundamental analysis in June 2026, Eagle Bancorp Montana, Inc. has a C grade with 76% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is EBMT stock overvalued or undervalued?
Valuation metrics for EBMT: ROE of 2.1% (sector avg: 12%), net margin of 15.2% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is EBMT's AI grade for 2026?
Our dual AI analysis gives Eagle Bancorp Montana, Inc. a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is EBMT's free cash flow?
Eagle Bancorp Montana, Inc.'s operating cash flow is $-4.7M, with capital expenditures of $461.0K. FCF margin is -19.8%.
How does EBMT compare to other Finance stocks?
Vs Finance sector averages: Net margin 15.2% (avg: 25%), ROE 2.1% (avg: 12%), current ratio N/A (avg: 1.2).