Eagle Bancorp Montana, Inc. (EBMT) Stock

Eagle Bancorp Montana, Inc. (EBMT) is a Financials stock trading at $22.82 (as of 2026-08-21), with a market capitalization of $181.77M and a trailing P/E of 11.3. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Eagle Bancorp Montana, Inc. is the bank holding company for Opportunity Bank of Montana, providing deposit products and lending services. It serves individuals and small businesses in Montana through retail banking, including consumer and residential and commercial real estate loans, with operations across full-service branches, a community banking office, and ATMs.

Understand Eagle Bancorp Montana, Inc.: how it makes money

Eagle Bancorp Montana operates Opportunity Bank of Montana, taking deposits from individuals and small businesses and making retail and commercial loans (including residential and commercial real estate), earning money primarily from the interest spread on those loans and related lending activities.

Because it is a bank, its profit model depends on the spread between interest earned on its loan portfolio and interest paid on its deposit funding, with results shaped by loan mix (notably Commercial Real Estate Loans at 43% of the loan portfolio) and deposit mix (notably Money Market Deposits and Time Certificates Deposits, each at $0.45B).

Business quality (Mixed): The latest quarter shows an operating margin of 19.4%, but the business profile also reflects funding and credit risks tied to its deposit structure and a loan portfolio concentrated in commercial real estate.

Valuation: At 12× earnings, EBMT trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

Commercial focus with a measurable asset mix: The company discloses that Commercial Real Estate Loans are 43% of the loan portfolio, which helps investors understand where credit performance will matter most.
Meaningful retail-style deposit base: Non-Interest Checking Deposits are $0.43B, alongside Money Market Deposits and Time Certificates Deposits of $0.45B each, which can support funding flexibility.

Bear case

Loan concentration risk: Commercial Real Estate Loans are 43% of the loan portfolio, so deterioration in that segment could disproportionately affect credit performance.
Rate and funding sensitivity: Time Certificates Deposits are $0.45B, and the portfolio includes interest-bearing deposits (Interest Bearing Checking at 13%, Money Market at 22%, Time Certificates at 28%), which can make net interest performance sensitive to changes in deposit costs.
Additional higher-risk segments inside the loan mix: The company reports Agriculture and Farm Loans at 20% of the loan portfolio and Construction and Land Development Loans at 6%, adding exposure to segments that can be more cyclical or property-specific.

Valuation — source: SEC EDGAR (first-party)
Price	$22.82
Market Cap	$181.77M
P/E Ratio	11.3
EV / EBITDA	7.6
Price / Book	0.92
Price / Sales	1.68
FCF Yield	10.3%
DCF Value (model)	$28.10
DCF Upside vs Price	23.1%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$108.41M
Net Margin	13.7%
Revenue Growth (YoY)	-2.0%
EPS Growth (YoY)	11.9%
FCF Growth (YoY)	-301.0%

Valuation vs Sector & Industry
Stock P/E	11.3
Sector P/E (Financials)	15.1
Industry P/E (Banking)	13.0
vs Sector	-25.0%
vs Industry	-12.7%

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional Holder	Fourthstone LLC ($11.36M)
Institutional Holders Tracked	10

Company
Sector	Financials
Industry	Banking
CEO	Laura F. Clark
Employees	372
Country	US
IPO Date	2000-04-06

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.