Eagle Bancorp Montana, Inc. (NASDAQ:EBMT)
Insiders here have filed 16 Form 4s in the last 90 days, but all of them are share awards, grants or other non-market transactions. Those are compensation, not a decision to buy, so they are not scored.
Keeps a healthy share of every dollar it sells.
- Revenue
- $100.1M
- Net income
- $15.4M
- Net margin
- 15.4%
Heavily indebted for what it earns.
- Total debt
- $241.3M
- Cash
- $21.9M
- Net debt / EBITDA
- 13.42x
Current assets or liabilities not reported.
- Current assets
- $311.5M
- Current liabilities
- $0
- Current ratio
- —
The business funds itself from operations.
- Operating cash flow
- $24.1M
- Free cash flow
- $23.2M
- FCF margin
- 23.2%
Not funding itself by issuing shares.
- Shares outstanding
- 7.8M
- Share growth (1y)
- 0.4%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
EBMT Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | 33.09 M | 3.45 M | 31.10 M | 32.49 M | 32.17 M | 31.60 M |
| Revenue Growth (YoY) | 2.88 % | -89.08 % | 4.68 % | 5.19 % | 2.59 % | 6.48 % |
| Cost of Revenue | 9.87 M | 7.80 M | 7.80 M | 8.20 M | 9.21 M | 10.04 M |
| Gross Profit | 23.23 M | -4.35 M | 23.30 M | 24.29 M | 22.96 M | 21.56 M |
| SG&A Expense | 996.00 K | 748.00 K | 683.00 K | 11.36 M | 11.73 M | 671.00 K |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 19.38 M | 748.00 K | 18.21 M | 18.18 M | 18.00 M | 17.57 M |
| Operating Income | 3.85 M | -5.09 M | 5.09 M | 6.12 M | 4.96 M | 3.99 M |
| Pretax Income | 3.85 M | 4.82 M | 5.09 M | 6.08 M | 4.96 M | 3.99 M |
| Tax Provision | 831.00 K | 1.10 M | 1.11 M | 1.35 M | 1.33 M | 751.00 K |
| Net Income | 3.01 M | 3.71 M | 3.98 M | 4.73 M | 3.63 M | 3.24 M |
| EPS (Basic) | 0.38 | 0.47 | 0.51 | 0.61 | 0.47 | 0.42 |
| EPS (Diluted) | 0.38 | 0.47 | 0.51 | 0.60 | 0.46 | 0.41 |
| Shares Outstanding | 7.83 M | 7.82 M | 7.82 M | 7.81 M | 7.80 M | 7.80 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.