EBMT
Eagle Bancorp Montana, Inc.Financial Services·Banks - Regional
$22.19
$177M market cap
Revenue
$63.6M
Free Cash Flow
$14.4M
Rev Growth
+0.0%
FCF Margin
22.7%
P/FCF
12.3x
EV/FCF
-3.2x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
Eagle Bancorp Montana, Inc. operates as the bank holding company for Opportunity Bank of Montana that provides various retail 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 accounts. The company also provides 1-4 family residential mortgage loans, such as residential mortgages and construction of residential properties
2-Year Price History
$22.22+81.8%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 31.1 | 5.1 | 5.1 | 4.0 | -4.7 | -5.2 | -0.5 | 294.3 | 71.2 | 7.8 | 11.9% | 0.7x | -- |
| Act | 2025-Q4 | 32.5 | 6.4 | 6.1 | 4.7 | 20.5 | 19.6 | -0.9 | 305.8 | 82.5 | 7.8 | 13.2% | 0.8x | -- |
Valuation & Metrics
Market Stats
Price$22.19
Market Cap$177M
Enterprise Value$-46M
P/S Ratio2.8x
P/FCF12.3x
EV/FCF-3.2x
FCF Margin (TTM)22.7%
FCF Yield8.2%
Dividend Yield (TTM)3.3%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$63.6M
Net Income$8.7M
Free Cash Flow$14.4M
Revenue Growth (YoY)+0.0%
EBITDA Margin18.1%
Net Margin13.7%
FCF Margin22.7%
CapEx % of Revenue2.2%
SBC % of Revenue2.3%
ROIC12.5%
WC Change % Rev1.3%
Interest Coverage0.7x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.1M
Days to Cover2.7
Change (vs Prior)-13.2%
Need at least 2 settlement dates for chart
Employees
Headcount372
Revenue / Employee$170,949
Gross Profit / Employee$127,954
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
30.6%(+8.1% YoY)
79 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
17.3%(+9.6% YoY)
9 filers
Vanguard, iShares, SPDR
Market makers
0.2%(-1.1% YoY)
2 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| Fourthstone LLC | $11.4M | $16.22 | +$4.3M | +$895K | -1.8% | $590M |
| BlackRock, Inc.Passive | $10.2M | $16.14 | −$285K | +$6.6M | -0.2% | $5.69T |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $8.2M | $15.45 | −$127K | −$343K | -0.2% | $113.45B |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $7.2M | $20.45 | +$7.2M | +$7.2M | — | $4.04T |
| DIMENSIONAL FUND ADVISORS LPPassive | $4.6M | $16.62 | +$532K | +$2.0M | -0.4% | $480.92B |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $3.6M | $15.55 | +$28K | +$1.8M | +2.3% | $1.61T |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $2.1M | $15.97 | +$6K | +$767K | +0.1% | $19.92B |
| STATE STREET CORPPassive | $1.9M | $16.79 | +$225K | +$1.5M | -0.2% | $2.89T |
| GOLDMAN SACHS GROUP INC | $1.8M | $18.09 | +$277K | +$1.2M | -0.2% | $760.93B |
| AMERICAN CENTURY COMPANIES INC | $1.7M | $18.54 | +$922K | +$1.7M | +0.7% | $193.48B |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $1.6M | $15.74 | +$172K | +$351K | -2.3% | $4.93B |
| RENAISSANCE TECHNOLOGIES LLC | $1.4M | $14.91 | −$8K | −$200K | +1.2% | $63.91B |
| Connor, Clark & Lunn Investment Management Ltd. | $1.4M | $16.07 | +$31K | +$891K | +0.6% | $43.38B |
| BRANDES INVESTMENT PARTNERS, LP | $1.3M | $14.71 | −$7.1M | −$4.3M | +2.6% | $14.13B |
| RITHOLTZ WEALTH MANAGEMENT | $1.3M | $16.65 | +$119K | +$581K | +0.2% | $5.76B |
| SEI INVESTMENTS CO | $1.3M | $20.45 | +$1.3M | +$1.3M | — | $108.06B |
| NORTHERN TRUST CORPPassive | $1.3M | $15.91 | +$78K | +$685K | -0.2% | $755.34B |
| Ashton Thomas Private Wealth, LLC | $1.1M | $19.23 | +$68K | +$26K | -0.8% | $4.21B |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $1.1M | $15.86 | −$272K | +$538K | +0.1% | $184.72B |
| Informed Momentum Co LLC | $1.1M | $20.45 | +$1.1M | +$1.1M | +7.7% | $865M |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)BEARISH
Holders
-0.27%
avg per quarter
Holders (ex-self)
-0.27%
excl. this stock
Buyers (this Q)
-0.07%
45 buyers · $0.02B in
Sellers (this Q)
+2.14%
31 sellers · $0.01B out
alpha coverage: 89% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
+4.3%
how holders react when this stock falls
On quiet Qs
-8.5%
−10% to +10% baseline
On rallies (+10%+)
+8.7%
how they react when this stock rises
Holders' portfolio flow this Q
+2.8%
inflows — adds are organic
Sellers' portfolio flow this Q
+5.5%
Sellers grew AUM elsewhere — opinionated cut of this stock.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-7.9%
Holder mid (any stock)
-4.2%
Holder rally (any stock)
-3.3%
Biggest decreases this quarter
BRANDES INVESTMENT PARTNERS, LP−$7.1Mα+2.6Stockman Wealth Management, Inc.exited−$577KHillsdale Investment Management Inc.exited−$344KBlackRock, Inc.−$285Kα-0.2LPL Financial LLCexited−$282KARROWSTREET CAPITAL, LIMITED PARTNERSHIP−$272Kα+0.1MANUFACTURERS LIFE INSURANCE COMPANY, THE−$127Kα-0.2ROYAL BANK OF CANADAexited−$111KMORGAN STANLEY−$39Kα-0.3RENAISSANCE TECHNOLOGIES LLC−$8Kα+1.2
New buyers this quarter
Top-5 holders · 48.9%
Fourthstone LLC--
BlackRock, Inc.--
MANUFACTURERS LIFE INSURANCE COMPANY, THE--
VANGUARD CAPITAL MANAGEMENT LLC--
DIMENSIONAL FUND ADVISORS LP--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
Fourthstone LLC552KMANUFACTURERS LIFE INSURANCE COMPANY, THE398KBRANDES INVESTMENT PARTNERS, LP65KEJF Capital LLC—Pacific Ridge Capital Partners, LLC—Petiole USA ltd—RENAISSANCE TECHNOLOGIES LLC69KMALTESE CAPITAL MANAGEMENT LLC—Rhino Investment Partners, Inc—HoldCo Asset Management, LP32K
Analyst Coverage
Analyst Coverage
Price Targets
Last Quarter (1 analysts)$24.00820.0%
Last Year (2 analysts)$23.50590.0%
Current Price$22.19
Analyst Ratings
2
4
Buy: 2Hold: 4Consensus: Hold
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$13K
2 txns · 2 insiders · 760 sh
Sells ($, 12mo)
$981K
10 txns · 6 insiders · 48,329 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-05-08 | SELL | Walsh Kenneth M | director | 10,000 | $22.83 | $228K | $1.88M |
| 2026-02-20 | SELL | Waters Samuel | director | 2,100 | $22.48 | $47K | $709K |
| 2026-02-17 | SELL | MCCARVEL THOMAS J | director | 1,182 | $22.77 | $27K | $848K |
| 2026-02-11 | SELL | JOHNSON PETER JOSEPH | director | 3,355 | $23.11 | $78K | $1.05M |
| 2026-02-10 | SELL | JOHNSON PETER JOSEPH | director | 4,192 | $23.06 | $97K | $1.13M |
| 2026-02-03 | SELL | Walsh Kenneth M | director | 10,000 | $22.47 | $225K | $2.07M |
| 2025-11-25 | BUY | O'Neill Mark A | officer: SVP-Chief Lending Officer | 600 | $16.75 | $10K | $247K |
| 2025-11-21 | SELL | MCCARVEL THOMAS J | director | 1,200 | $16.47 | $20K | $633K |
| 2025-08-13 | SELL | Jensen Corey | director | 2,500 | $16.85 | $42K | $111K |
| 2025-08-06 | BUY | Rensmon Patrick D | officer: SVP-Chief Operating Officer | 160 | $15.90 | $3K | $221K |
| 2025-08-05 | SELL | Walsh Kenneth M | director | 10,000 | $15.84 | $158K | $1.68M |
| 2025-08-04 | SELL | Binde Alana M | officer: SVP-Chief Human Resource Offcr | 3,800 | $15.73 | $60K | $112K |
Order Flow (FINRA, ~3w lag)
11.7%retail+0.4pp
21.9%dark+2.8pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
Eagle Bancorp Montana, Inc.: Forensic Analysis Restricted by Administrative-Only Metadata
Overall Risk
2/10
Fraud
1/10
Dilution
1/10
Insolvency
2/10
Earnings Overstated
1/10
Hidden Liabilities
1/10
Legal
1/10
Audit Warnings
1/10
Hidden Upside
1/10
Contextually Acceptable
10/10