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Stock Ratings / Financials / EBMT
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Eagle Bancorp Montana Inc. (EBMT) — RQD Stock Rating Cockpit

$21.67 +2.17% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $21.71

Eagle Bancorp Montana Inc. (EBMT) carries a Roarable Rating of C- (Hold) with 59/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $168.9M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on EBMT Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is EBMT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Eagle Bancorp Montana Inc. (NASDAQ: EBMT) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $21.67 (+2.17% 1D, market cap $168.9M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, EBMT ranks #435 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does EBMT compare to HNVR and BAFN in the Financials sector?
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Within the Financials sector (Major Banks), EBMT carries a Roarable C- (59/100 RQD), trailing P/E of 11.5x, gross margin of —, and ROIC of 7.7%. By comparison, HNVR (Hanover Bancorp Inc.) holds a D+ grade (53/100 RQD, P/E 22.2x, ROIC 3.7%, cap $164.7M) and BAFN (BayFirst Financial Corp.) posts a D- grade (38/100 RQD, P/E N/A, ROIC -30.1%, cap $180.2M). Among the 5-stock peer group, MNSB leads on earnings multiple (9.8x) while FINW leads on capital efficiency (8.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for EBMT?
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Per EBMT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001478454), Eagle Bancorp Montana Inc. generated $884.7M in revenue (+0.2% YoY), $14.8M in net income, and $28.3M in free cash flow against $2.11B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $21.71 (+0.20%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 3.2% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY • 53.1% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C-
025507510059
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C · Rk D+
Cash (14)Whales (8)SEC (13)Macro (8)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+0.5% Base Target
$26 Bull$22 Base$17 Bear
📬 FREE EBMT RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for EBMT)Realized 20D OHLCV Swing Band: ±7.3%
Deterministic 5-Pillar Attribution (59/100 Composite)
🔍 WHY EBMT SCORES 59/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (27% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+14/20 pts (24% of score)

SEC XBRL FY 2025 (10-K): 3.2% FCF Margin ($28.3M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Macro Regime Fit8/20 pts (-12 pt drag)

Macro rate sensitivity & RSI-14 (48.2) create a -12 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
51
Grade C-$20.75+0.1% Next Q
Q2 (-2Q)
54
Grade C-$20.78+2.7% Next Q
Q3 (-1Q)
56
Grade C$21.35+1.5% Next Q
Current
59
Grade C-$21.67+0.2% Hist 90D α
Trajectory: C- (51) → C- (59)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the EBMT Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 59/100 (C-) score, EBMT faces multiple-compression risk if 11.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($21.64) or 200D SMA ($22.21) invalidates the momentum regime and cuts Target Base ($21.77) toward Bear Floor ($16.98).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $EBMT• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “EBMT Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 59%NO 41%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
48.230 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
5 / 99-Pt Accounting
52-WEEK LASER RANGE66% OF RANGE
L: $16$21.67H: $25
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: B-RQD 14 / 20
2. Big Money & Insiders● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C-RQD 24 / 40
3. Hidden Risks & Market Weather● WARNING
SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: D+RQD 21 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on EBMT

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BULLISH (70)

7.7% ROIC with 42.0% gross margin and 16.66% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (53)

24/40 institutional & smart-money positioning score with 8/20 macro alignment.

Bull Case: Why Buyers Like EBMT
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (EBMT Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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EBMT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -3.13%📐 HORIZONTAL RANGE
2026-11-03O $21.36H $21.67L $21.21C $21.67VOL 21.5K
RES: $25.76SUP: $19.69SMA50: $21.64SMA200: $22.21
$25.06$23.41$21.77$20.13$18.49RES $25.76SUP $19.69$21.672026-05-042026-06-172026-08-042026-09-172026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

EBMT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 EBMT Butterfly Map → + Track EBMT →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
1.6%/yr Implied 5Y Growth

vs. +0.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on EBMT today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for EBMT. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for EBMT today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (EBMT)

Financials Rank #435 of 1097 ⚔️ HNVR vs EBMT Full Matrix →

1. Head-to-Head Financials Peer Comparison (EBMT vs. HNVR, BAFN, FINW, MNSB)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Eagle Bancorp Montana Inc. (EBMT) ranks #435 by composite RQD confidence (59/100, grade C-) and #912 by equity capitalization ($168.9M). Within this direct 5-issuer industry benchmark cohort, MNSB leads on earnings valuation at 9.8x trailing P/E, while FINW leads on capital efficiency and profitability with 8.3% ROIC and — gross margin. EBMT currently leads its immediate peer cohort in composite quantitative strength at 59/100 (C-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
EBMT ACTIVE
Eagle Bancorp Montana Inc.
C- 59/100 11.5x — 7.7% +2.17% $168.9M Benchmark Subject
HNVR
Hanover Bancorp Inc.
D+ 53/100 22.2x — 3.7% +0.39% $164.7M /hnvr-vs-ebmt →
BAFN
BayFirst Financial Corp.
D- 38/100 — — -30.1% +1.38% $180.2M /bafn-vs-ebmt →
FINW
FinWise Bancorp
D- 36/100 11.5x — 8.3% +0.46% $183.1M /finw-vs-ebmt →
MNSB
MainStreet Bancshares Inc.
D 51/100 9.8x — 7.1% +3.52% $151.7M /mnsb-vs-ebmt →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001478454 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Eagle Bancorp Montana Inc. (EBMT) reported GAAP revenue of $884.7M (+0.2% vs. FY2024 revenue of $883.3M , and +1855.0% cumulative change since FY2023) , GAAP net income of $14.8M, operating cash flow of $33.1M, and free cash flow of $28.3M (+96.0% YoY). On the balance sheet, EBMT closed FY2025 with $2.11B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $884.7M $14.8M $33.1M $28.3M $2.11B —
FY2024 (FY) 2024-12-31 $883.3M $9.8M $28.5M $14.5M $2.10B —
FY2023 (FY) 2023-12-31 $45.3M $10.1M $9.3M $9.3M — —

3. EBMT Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is EBMT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Eagle Bancorp Montana Inc. (NASDAQ: EBMT) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $21.67 (+2.17% 1D, market cap $168.9M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, EBMT ranks #435 in composite RQD confidence.

How does EBMT compare to HNVR and BAFN in the Financials sector?

Within the Financials sector (Major Banks), EBMT carries a Roarable C- (59/100 RQD), trailing P/E of 11.5x, gross margin of —, and ROIC of 7.7%. By comparison, HNVR (Hanover Bancorp Inc.) holds a D+ grade (53/100 RQD, P/E 22.2x, ROIC 3.7%, cap $164.7M) and BAFN (BayFirst Financial Corp.) posts a D- grade (38/100 RQD, P/E N/A, ROIC -30.1%, cap $180.2M). Among the 5-stock peer group, MNSB leads on earnings multiple (9.8x) while FINW leads on capital efficiency (8.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for EBMT?

Per EBMT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001478454), Eagle Bancorp Montana Inc. generated $884.7M in revenue (+0.2% YoY), $14.8M in net income, and $28.3M in free cash flow against $2.11B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is EBMT trading relative to its 50-day, 200-day, and 52-week technical levels?

EBMT last traded at $21.67 (+2.17% on volume of 37,620 shares), positioning the stock +0.14% above its 50-day simple moving average ($21.64) and -2.43% below its 200-day simple moving average ($22.21). Across its 52-week range of $15.80 to $24.66, EBMT sits at the 66.3% percentile with a 14-day RSI of 48.2 (NEUTRAL RANGE) and an implied next-earnings move of ±7.3% ($20.09 to $23.25).

Direct Sub-Reports: EBMT RQD Cockpit EBMT 12M Forecast EBMT Earnings & Move EBMT Dividends & DRIP EBMT Insiders & 13F EBMT Whale Options EBMT Profit Sankey EBMT News & Why
ROARABLE RATING BRIEF • RQD 59/100 (C-) ✓ SEC XBRL & RQD VERIFIED

EBMT — Eagle Bancorp Montana Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Eagle Bancorp Montana Inc. (EBMT) earns a live Roarable RQD composite score of 59/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $21.67 (+2.17% 1D, market capitalization $168.9M).

  • Fundamental Cash Engine (14/20): Anchored by return on invested capital (ROIC) of 7.7%, gross margin of —, operating margin of —, and free cash flow yield of 16.66%.
  • Whale 13F & Options Flow (8/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (8/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Eagle Bancorp Montana Inc. Is a NASDAQ-listed issuer in the Financials sector, Major Banks industry..2B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Eagle Bancorp Montana Inc. (EBMT) reported $884.7M in annual revenue (up from $883.3M in FY2024, +0.2% YoY) and $14.8M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($45.3M revenue, $10.1M net income) through FY2025, EBMT scaled operating cash flow to $33.1M and free cash flow to $28.3M, backed by $2.11B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C- • RQD 59/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 16.66% and institutional whale pillar of 8/20. With Fundamental Cash Engine at 14/20 and Institutional Whale Flow at 8/20, sustained execution supports upside toward the upper end of the $15.80 – $24.66 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 11.5x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), EBMT carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can EBMT sustain or expand its — operating margin and 7.7% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $884.7M and free cash flow of $28.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is EBMT's 10.7x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

EBMT Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Eagle Bancorp Montana Inc. (EBMT) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to EBMT Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

EBMT Bull vs. Bear Conversation Board — What's Your Call at $21.67?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON EBMT 🐻 33% BEARISH CONVICTION
1. Pick Your Side on EBMT:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
BR BreakoutHunter RQD DEBATE OPENER • Swing & Catalyst Trader 🐂 BULLISH 🎯 Target: $25.88 (+22.0%)
📌 Pinned Debate

Per the RQD rating, a 16.66% FCF yield and 10.7 forward P/E indicate strong cash generation relative to the stock price.

Picked up a starter position in EBMT in my $100K Virtual Cash book at $21.21. Per the RQD rating, a 16.66% FCF yield and 10.7 forward P/E indicate strong cash generation relative to the stock price.. Trading inside a $15.80–$24.66 52-week range with 16.66% FCF yield gives solid downside support if Major Banks multiples expand this quarter.

VolSurface_Trader 🐂 BULL

Both sides have a point here — EBMT's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

FO ForensicBear RQD DEBATE OPENER • 10-K Footnote Auditor 🐻 BEARISH 🎯 Target: $17.39 (-18.0%)
Spot @ $21.21

Per the RQD rating and news wire, margins are reported as 0% and an EARNINGS MISS of $0.16 was flagged RED, leaving profitability quali

Per the RQD rating and news wire, margins are reported as 0% and an EARNINGS MISS of $0.16 was flagged RED, leaving profitability quality unverified.. Look at the math on EBMT: paying 11.5x trailing P/E for 7.7% ROIC and 0.0% operating margins leaves zero margin of safety if Major Banks demand softens. I'd wait for a retest of $18.66 before getting long.

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