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.
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 $172.6M). 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.
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 $165.3M) and BAFN (BayFirst Financial Corp.) posts a D- grade (38/100 RQD, P/E N/A, ROIC -30.1%, cap $182.7M). Among the 5-stock peer group, MNSB leads on earnings multiple (9.8x) while FINW leads on capital efficiency (8.3% ROIC).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
SEC XBRL FY 2025 (10-K): 3.2% FCF Margin ($28.3M FCF) & 52% Gross Margin
Macro rate sensitivity & RSI-14 (58) create a -12 pt regime headwind
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.
Sensitive to high interest rates and tighter Federal Reserve market liquidity.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($21.62) or 200D SMA ($22.22) invalidates the momentum regime and cuts Target Base ($21.77) toward Bear Floor ($16.98).
Eagle Bancorp Montana Inc. (EBMT) surged +2.17% to $21.67, trading at 66% of its 52-week range ($15.8 – $24.66). Solid steady margins (8% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.
Yahoo Finance report covering Eagle Bancorp Montana Inc. (EBMT) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Eagle Bancorp Montana Inc. (EBMT) market action, institutional positioning, and fundamental catalysts.
www.marketscreener.com report covering Eagle Bancorp Montana Inc. (EBMT) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Eagle Bancorp Montana Inc. (EBMT) market action, institutional positioning, and fundamental catalysts.
Investing.com UK report covering Eagle Bancorp Montana Inc. (EBMT) market action, institutional positioning, and fundamental catalysts.
www.marketscreener.com report covering Eagle Bancorp Montana Inc. (EBMT) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Eagle Bancorp Montana Inc. (EBMT) market action, institutional positioning, and fundamental catalysts.
Stock Traders Daily report covering Eagle Bancorp Montana Inc. (EBMT) market action, institutional positioning, and fundamental catalysts.
Eagle Bancorp Montana (EBMT) delivered earnings and revenue surprises of -30.91% and +1.95%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
HELENA, Mont., Oct. 27, 2026 (GLOBE NEWSWIRE) -- Eagle Bancorp Montana, Inc. (NASDAQ: EBMT), (the “Company,” “Eagle”), the holding company of Opportunity Bank of Montana (the “Bank”), today reported net income of $3.0 mi
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +0.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on EBMT today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for EBMT. Explore sector supply chains on /butterfly.
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 #911 by equity capitalization ($172.6M). 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% | $172.6M | Benchmark Subject |
| HNVR Hanover Bancorp Inc. | D+ | 53/100 | 22.2x | — | 3.7% | +0.39% | $165.3M | /hnvr-vs-ebmt → |
| BAFN BayFirst Financial Corp. | D- | 38/100 | — | — | -30.1% | +1.38% | $182.7M | /bafn-vs-ebmt → |
| FINW FinWise Bancorp | D- | 36/100 | 11.5x | — | 8.3% | +0.46% | $183.9M | /finw-vs-ebmt → |
| MNSB MainStreet Bancshares Inc. | D | 51/100 | 9.8x | — | 7.1% | +3.52% | $157.0M | /mnsb-vs-ebmt → |
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 | — | — |
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 $172.6M). 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.
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 $165.3M) and BAFN (BayFirst Financial Corp.) posts a D- grade (38/100 RQD, P/E N/A, ROIC -30.1%, cap $182.7M). Among the 5-stock peer group, MNSB leads on earnings multiple (9.8x) while FINW leads on capital efficiency (8.3% ROIC).
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.
EBMT last traded at $21.67 (+2.17% on volume of 37,620 shares), positioning the stock +0.23% above its 50-day simple moving average ($21.62) and -2.48% below its 200-day simple moving average ($22.22). Across its 52-week range of $15.80 to $24.66, EBMT sits at the 66.3% percentile with a 14-day RSI of 58.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±7.2% ($20.11 to $23.23).
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 $172.6M).
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.
Operating in Major Banks (Financials), EBMT carries a macro regime beta of 1.00 and gross margin of —.
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
Yahoo Finance report covering Eagle Bancorp Montana Inc. (EBMT) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Eagle Bancorp Montana Inc. (EBMT) market action, institutional positioning, and fundamental catalysts.
www.marketscreener.com report covering Eagle Bancorp Montana Inc. (EBMT) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Eagle Bancorp Montana Inc. (EBMT) market action, institutional positioning, and fundamental catalysts.
Investing.com UK report covering Eagle Bancorp Montana Inc. (EBMT) market action, institutional positioning, and fundamental catalysts.
www.marketscreener.com report covering Eagle Bancorp Montana Inc. (EBMT) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Eagle Bancorp Montana Inc. (EBMT) market action, institutional positioning, and fundamental catalysts.
Stock Traders Daily report covering Eagle Bancorp Montana Inc. (EBMT) market action, institutional positioning, and fundamental catalysts.
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.
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.
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.
To protect compute speed and zero-delay Cboe BZX data quality for active members, our current $9.95/month Roarable Pro cohort is 100% full. Join the priority waiting list below and we will notify you the moment the next batch of Pro accounts opens (and lock in your $9.95/mo rate).
Link your personal ChatGPT, Claude Desktop, or Cursor via Roarable's Model Context Protocol (`mcp.roarable.com`) to query all 5,289 stocks, inspect Butterfly supply chains, and trade your `$100K Arena` account.
Interrogate SEC 10-K/10-Q filings on demand and ask custom ticker, valuation, or short-thesis questions directly to any of our 8 specialized AI Quant Analysts.
Command our AI agents to sort and sift 5,289 stocks by custom formulas, follow multi-indicator technical & cash-flow setups, and send you instant Email/SMS breakout & downgrade alerts.
Unlock sub-second Cboe BZX streaming quotes, pre-market/after-hours delta scanners, instant SEC Form 4 insider cluster alerts, and unlimited portfolio stress-testing.
All 8 Roarable Analysts (Mara Quenwick, Gideon Ashmere, Ellis Vennor, Tessa Rookmere, Soren Halewick, Iona Brackenford, Nadia Vellacrest, and Felix Orven) are proprietary AI Quant Analysts and automated algorithmic specialists — not human financial advisors, fiduciaries, or registered broker-dealers. While one-to-many daily stock ratings and briefings are free, custom 1-on-1 Q&A, custom AI sifting/indicator alert agents, and personal ChatGPT/Claude MCP connections consume dedicated per-user compute and require a $9.95/month Roarable Pro membership. All AI outputs are for educational and research purposes only and never constitute individualized investment advice.
Enter your first name and email address below for instant 1-step account activation, daily A–E stock rating alerts, and immediate access to your $100,000.00 Virtual Cash Arena account (100% free — no credit card required).
Your $100,000 Virtual Cash Trading Account is active! Add your mobile number below if you want our #1 Weekly Quant Top Pick plus urgent breaking market alerts & SEC Form 4 CEO cluster-buy flashes sent straight to your phone: