EBMT
Eagle Bancorp Montana, Inc.19.45
+0.19+0.99%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
No earnings call transcript available
Key Stats
Market Cap
154.67MP/E (TTM)
11.31Basic EPS (TTM)
1.72Dividend Yield
0.03%Recent Filings
10-K
FY2025 results
Eagle Bancorp Montana closed FY2025 with total assets steady at $2.11B, loans flat at $1.50B, and deposits up 6% to $1.78B, offsetting a sharp drop in borrowings from $200M to $82M. Net income jumped 52% to $14.8M, fueled by net interest income surging 15% to $72.9M on a 50bps NIM expansion to 3.92% as loan yields rose to 6.28% while deposit costs eased. Noninterest income grew 5% on stronger mortgage sales ($231M at 3.34% margin), though salaries climbed 7%. Q4 saw nimble deposit gains and buybacks (25k shares at $16.38); liquidity swelled with $601M borrowing capacity. Farmland/ag loans (19.6% of portfolio) expose quarterly momentum to commodity swings.
8-K
CLO O'Neill steps down
8-K
EBMT investor presentation filed
Eagle Bancorp Montana disclosed its investor presentation under Regulation FD on February 4, 2026, ahead of executive meetings the first full week of February. Assets hit $2.106B, loans $1.519B, and deposits $1.782B as of December 31, 2025, with net income $14.8M, diluted EPS $1.90, NIM 3.92%, NPAs 0.27%. Strong credit culture persists. Forward-looking statements carry risks.
8-K
Q4 earnings jump 38%
Eagle Bancorp Montana reported Q4 2025 net income of $4.7 million, up 30% from Q3 and 38% year-over-year, with NIM expanding 49 basis points to 4.08% on lower funding costs. Deposits grew 6% to $1.78 billion while loans held steady at $1.52 billion. Board declared $0.145 quarterly dividend. Earnings surged.
8-K
EBMT investor update highlights strength
Eagle Bancorp Montana disclosed its investor presentation on November 5, 2025, for the Hovde Financial Services Conference, highlighting a robust balance sheet with $2.120 billion in assets, $1.558 billion in gross loans, and $1.752 billion in deposits as of September 30, 2025. The bank maintains excellent asset quality at 0.20% NPAs and year-to-date net income of $10.1 million, while pursuing loan diversification into commercial and agricultural segments amid Montana's growing markets. Yet profitability lags peers with a 3.86% NIM. Forward-looking strategies target core deposit growth and selective acquisitions, tempered by economic volatility risks.
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