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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.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $90M | - | $15M | $28M | 7.7% | 13.2% | 51.7% |
| 2024 | $80M | - | $10M | $14M | 5.6% | -4.4% | -2.8% |
| 2023 | $83M | - | $10M | $-5M | 5.9% | -4.8% | -6.0% |
| 2022 | $87M | - | $11M | $25M | 6.8% | - | - |
| 2021 | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 87.50 | 83.31 | 79.65 | 90.17 |
| Operating Revenue | - | 87.50 | 83.31 | 79.65 | 90.17 |
| Selling General And Administration | - | 46.50 | 45.50 | 42.19 | 44.63 |
| Interest Income | - | 69.16 | 90.89 | 103.13 | 107.49 |
| Interest Expense | - | 6.15 | 29.14 | 40.77 | 35.51 |
| Net Interest Income | - | 63.01 | 61.75 | 62.35 | 71.97 |
| Pretax Income | - | 13.85 | 11.65 | 11.39 | 18.89 |
| Tax Provision | - | 3.15 | 1.60 | 1.61 | 4.06 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | -0.52 | 0 | 0 | 0 |
| Net Income Continuous Operations | - | 10.70 | 10.06 | 9.78 | 14.84 |
| Net Income From Continuing And Discontinued Operation | - | 10.70 | 10.06 | 9.78 | 14.84 |
| Net Income From Continuing Operation Net Minority Interest | - | 10.70 | 10.06 | 9.78 | 14.84 |
| Net Income | - | 10.70 | 10.06 | 9.78 | 14.84 |
| Net Income Common Stockholders | - | 10.70 | 10.06 | 9.78 | 14.84 |
| Net Income Including Noncontrolling Interests | - | 10.70 | 10.06 | 9.78 | 14.84 |
| Normalized Income | - | 12.48 | 10.06 | 9.78 | 14.84 |
| Diluted NI Availto Com Stockholders | - | 10.70 | 10.06 | 9.78 | 14.84 |
| Basic Average Shares | - | 7.38 | 7.79 | 7.84 | 7.80 |
| Diluted Average Shares | - | 7.39 | 7.80 | 7.85 | 7.82 |
| Reconciled Depreciation | - | 7.71 | 7.89 | 8.89 | 8.93 |
| Total Unusual Items | -0.76 | -2.30 | 0 | - | - |
| Total Unusual Items Excluding Goodwill | -0.76 | -2.30 | 0 | - | - |
| Special Income Charges | -0.76 | -2.30 | 0 | - | - |
| Other Special Charges | -0.07 | - | - | - | - |
| Restructuring And Mergern Acquisition | 0.76 | 2.30 | 0 | - | - |
| Gain On Sale Of Security | - | -0.01 | -0.22 | -0.14 | 0 |
| Depreciation Amortization Depletion Income Statement | - | 1.33 | 1.59 | 1.39 | 1.19 |
| Depreciation And Amortization In Income Statement | - | 1.33 | 1.59 | 1.39 | 1.19 |
| General And Administrative Expense | - | 45.08 | 44.12 | 40.88 | 43.34 |
| Other Gand A | 5.42 | - | - | - | - |
| Salaries And Wages | - | 44.52 | 42.97 | 39.72 | 42.39 |
| Insurance And Claims | - | 0.56 | 1.15 | 1.16 | 0.96 |
| Selling And Marketing Expense | - | 1.42 | 1.38 | 1.31 | 1.29 |
| Amortization | - | 1.33 | 1.59 | 1.39 | 1.19 |
| Amortization Of Intangibles Income Statement | - | 1.33 | 1.59 | 1.39 | 1.19 |
| Occupancy And Equipment | - | 7.60 | 8.07 | 8.53 | 9.31 |
| Professional Expense And Contract Services Expense | - | 1.47 | 1.92 | 1.94 | 1.70 |
| Other Non Interest Expense | - | 12.45 | 13.12 | 13.68 | 13.26 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Eagle Bancorp Montana, Inc.this co. | EBMT | $181M | 12.18↑ premium | 0.94 | 7.7% | - |
| CF Bankshares Inc. | CFBK | $187M | 10.68 | 1.02 | 9.5% | - |
| James River Group Holdings, Inc. | JRVR | $183M | 4.63 | 0.27 | 5.9% | - |
| Rhinebeck Bancorp, Inc. | RBKB | $181M | 18.05 | 1.32 | 7.3% | - |
| Finance of America Companies Inc. | FOA |
| - |
| - |
| - |
| - |
| - |
| - |
| $179M |
| 3.98 |
| 0.55 |
| 13.9% |
| - |
| SelectQuote, Inc. | SLQT | $176M | 3.69 | 0.50 | 13.5% | 3.77 |
| Landmark Bancorp, Inc. | LARK | $175M | 9.30 | 1.09 | 11.7% | - |
| BV Financial, Inc. | BVFL | $174M | 12.90 | 0.95 | 7.3% | - |
| CB Financial Services, Inc. | CBFV | $174M | 35.48 | 1.10 | 3.1% | - |
| Peer Median | - | 9.99 | 0.98 | 8.4% | 3.77 | |