EBMT
Eagle Bancorp Montana, Inc.19.45
+0.19+0.99%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '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
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.
10-Q
Q3 FY2025 results
Eagle Bancorp Montana's Q3 2025 results showed solid momentum, with net interest income climbing 18.3% year-over-year to $18.7M on higher loan yields (6.32% vs. 6.10%) and lower borrowing costs, while diluted EPS rose 35.3% to $0.46. Loans grew 2.4% quarter-over-quarter to $1.54B, driven by commercial real estate up 4.1%, yet noninterest income dipped 5.3% to $4.7M from a one-time life insurance gain last year. Cash equivalents stood at $29.5M with $508M in borrowing capacity, while FHLB advances fell 43.8% to $79.2M. On October 1, 2025, the company redeemed $15M in subordinated notes using a correspondent line of credit. Non-GAAP metrics not disclosed in the 10-Q. Still, Montana's real estate concentration poses valuation risks if prices soften.
8-K
Q3 earnings rise to $3.6M
Eagle Bancorp Montana reported Q3 2025 net income of $3.6 million, or $0.46 per diluted share, up from $3.2 million in Q2 and $2.7 million a year earlier, driven by a net interest margin expansion to 3.94% and 3% higher net interest income at $18.7 million. Total deposits grew 6.2% year-over-year to $1.75 billion, while loans dipped 0.8% quarterly to $1.56 billion; the board declared a $0.145 per share dividend payable December 5. Solid credit quality persists, with nonperforming loans at 0.26%. Management eyes further cost-of-funds relief amid rate cuts, yet inflation risks loom.
8-K
Notes redemption via credit draw
Eagle Bancorp Montana redeemed its $15 million 5.50% Fixed-to-Floating Rate Subordinated Notes due 2030 on October 1, 2025, paying 100% of principal plus accrued interest. The company funded this via a $15 million draw on its two-year line of credit at a variable rate 0.50% below prime, secured by assets and subject to financial covenants. This swap cuts long-term debt but introduces short-term variable-rate exposure.
8-K
EBMT investor presentation released
Eagle Bancorp Montana disclosed its investor presentation at the D.A. Davidson Virtual Western Bank Summit on August 26-27, 2025, highlighting a robust balance sheet with $2.138 billion in assets, $1.570 billion in gross loans, and $1.738 billion in deposits as of June 30, 2025. The company reported year-to-date net income of $6.5 million and a net interest margin of 3.82%, underscoring its strategy of loan diversification into commercial and agricultural segments while maintaining excellent asset quality at 0.24% NPAs. It positions for NIM expansion amid a liability-sensitive profile. Risks include economic volatility and regulatory changes.
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