Eagle Bancorp Montana, Inc.(EBMT)Stock Analysis
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Pending next ranking run
This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
EBMT Stock Analysis & AI Quality Score
AI stock analysis and institutional research for Eagle Bancorp Montana, Inc. (EBMT), a Financials sector company. EBMT is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), Eagle Bancorp Montana, Inc. reports quarterly revenue of $23.6M, net income of $4.0M, an operating margin of 21.6%. Top institutional holders of EBMT by reported 13-F value include Fourthstone, BlackRock,, MANUFACTURERS LIFE INSURANCE COMPANY, THE, based on the most recent SEC filings. EBMT trades on the Nasdaq exchange and files with the SEC under CIK 1478454. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate EBMT daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Eagle Bancorp Montana, Inc. directly from SEC EDGAR.
Revenue
Q1 2026
$23.6M
Net Income
Q1 2026
$4.0M
Free Cash Flow
Q1 2026
$-5.2M
Operating Margin
Q1 2026
21.6%
ROIC
Q1 2026
2.1%
D/E Ratio
Q1 2026
0.23
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
+51.7% YoYEPS (Diluted)
+53.2% YoYTotal Assets
+0.2% YoYTotal Debt
-24.9% YoYOp. Cash Flow
+16.1% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2020 | FY 2018 |
|---|---|---|---|---|---|---|
| Net Income | $14.8M +51.7% | $9.8M -2.8% | $10.1M -6.0% | $10.7M -49.5% | $21.2M +325.7% | $5.0M |
| EPS (Diluted) | $1.90 +53.2% | $1.24 -3.9% | $1.29 -11.0% | $1.45 -53.4% | $3.11 +241.8% | $0.91 |
| Total Assets | $2.11B +0.2% | $2.10B +1.3% | $2.08B +6.5% | $1.95B +54.9% | $1.26B +47.3% | $853.9M |
| Total Debt | $44.5M -24.9% | $59.1M +0.3% | $59.0M +0.3% | $58.8M +97.5% | $29.8M +19.8% | $24.9M |
| Operating Cash Flow | $33.1M +16.1% | $28.5M +205.4% | $9.3M -77.7% | $41.9M +1878.8% | $2.1M -84.4% | $13.6M |
AI Insight: EBMT Financial Trends
Net income hit a 2-year high of $5M in Q4 2025 while debt dropped $15M, but Q1 2026 operating cash flow turned sharply negative at -$5M.
• Net income climbed from $2M in Q2 2024 to $5M in Q4 2025, the strongest quarterly result in the observed period.
• Total debt fell from $59M to $44M in Q4 2025, a $15M reduction maintained into Q1 2026.
• Equity grew steadily from $170M in Q2 2024 to $193M in Q1 2026, reflecting consistent retained earnings accumulation.
⚠ Operating cash flow swung to -$5M in Q1 2026 after a strong $21M in Q4 2025 — sharpest reversal in the dataset.
⚠ Net income dipped to $4M in Q1 2026 from the $5M Q4 2025 peak; worth monitoring whether the earnings trend stalls.
AI Insight: EBMT Ratio Trends
EBMT's profitability has nearly doubled since Q2 2024, with ROIC surging from 3.8% to 10.3% by Q4 2025 before a modest seasonal pullback in Q1 2026.
• ROIC expanded dramatically from 3.8% in Q2 2024 to a peak of 10.3% in Q4 2025, reflecting sustained earnings improvement.
• ROA nearly tripled from 0.3% in Q2 2024 to 0.9% in Q4 2025, signaling meaningfully better asset utilization.
• Leverage declined steadily: D/E fell from 0.35 in Q2 2024 to 0.23 by Q4 2025, strengthening the balance sheet.
⚠ ROE and ROIC pulled back in Q1 2026 to 8.3% and 8.6% from Q4 2025 peaks of 9.9% and 10.3% — monitor for sustained softening.
⚠ ROA dipped to 0.8% in Q1 2026 from 0.9% in Q4 2025; confirm whether this reflects seasonality or margin pressure.
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Available Research
13F Pro tracks comprehensive data for Eagle Bancorp Montana, Inc. including:
Top Institutional Holders of EBMT
Fourthstone LLC
$11.4M551,952 shBlackRock, Inc.
$10.2M497,607 shMANUFACTURERS LIFE INSURANCE COMPANY, THE
$8.2M398,363 shVANGUARD CAPITAL MANAGEMENT LLC
$7.2M349,715 shDIMENSIONAL FUND ADVISORS LP
$4.6M222,298 shGEODE CAPITAL MANAGEMENT, LLC
$3.6M172,483 shO'SHAUGHNESSY ASSET MANAGEMENT, LLC
$2.1M101,016 shSTATE STREET CORP
$1.9M91,548 shGOLDMAN SACHS GROUP INC
$1.8M89,849 shAMERICAN CENTURY COMPANIES INC
$1.7M84,718 sh
| Fund | Value | Shares |
|---|---|---|
| Fourthstone LLC | $11.4M | 551,952 |
| BlackRock, Inc. | $10.2M | 497,607 |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $8.2M | 398,363 |
| VANGUARD CAPITAL MANAGEMENT LLC | $7.2M | 349,715 |
| DIMENSIONAL FUND ADVISORS LP | $4.6M | 222,298 |
| GEODE CAPITAL MANAGEMENT, LLC | $3.6M | 172,483 |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $2.1M | 101,016 |
| STATE STREET CORP | $1.9M | 91,548 |
| GOLDMAN SACHS GROUP INC | $1.8M | 89,849 |
| AMERICAN CENTURY COMPANIES INC | $1.7M | 84,718 |
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Popular Research
Is EBMT a good stock to buy?
13F Pro's AI-powered analysis of Eagle Bancorp Montana, Inc. (EBMT) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for EBMT are available on the EBMT stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own EBMT?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling EBMT. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Eagle Bancorp Montana, Inc.'s investment landscape.