EAGLE BANCORP MONTANA INC (EBMT)
Financials · regional banking · NASDAQ
A community-focused regional bank holding company providing retail and commercial financial services primarily throughout Montana.
What EAGLE BANCORP MONTANA INC does
Eagle Bancorp Montana, Inc. is a bank holding company that operates through its wholly-owned subsidiary, Opportunity Bank of Montana. The company provides a full range of retail and commercial banking services to individuals and businesses primarily within the state of Montana.
Themes: regional banking, community lending, real estate lending
Fundamentals
- Price$22.85 as of 2026-08-21 close
- Market cap$182M as of 2026-08-21
- 1-year return+36.3% 2025-08-21 close $16.77 → 2026-08-21 close $22.85
- P/E12.07 as of 2026-08-24
- ROE+8.3% as of 2026-08-24
- Debt / equity0.23 as of 2026-08-24
- Beta0.35 as of 2026-08-24
- Last reported earnings2026-07-28 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +2.4%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How EBMT compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- indicated dividend yieldmiddle range 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, EBMT's dividend was covered by reported results (earnings payout 31%, free-cash-flow payout 16%). This describes past coverage, not a forecast.
- Earnings payout31% dividends / net income
- Free-cash-flow payout16% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How EAGLE BANCORP MONTANA INC looks technically
EAGLE BANCORP MONTANA INC (EBMT) is trading 7.5% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 168 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 17, below the 25 that marks a real trend), though sellers have been pushing harder than buyers lately — pressure, not a trend. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 42, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 10 trading days ago (its momentum flipped negative). It made a new 20-day low about 22 trading days ago. Trading volume is running unusually high — about 2.1× its 30-day average, a sign of heightened interest.
Trend
7
| Distance from the 200-day | it is trading 7.5% above its 200-day average, the long-term trend line — a longer-term uptrend | +7.5% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $23.46 | $23.46 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $21.25 | $21.25 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 23 calendar days ago — the swings before that are what the structure reading is measured on | 23 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 168 trading days ago — a "golden cross", a bullish long-term signal | 168 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 17, below the 25 that marks a real trend), though sellers have been pushing harder than buyers lately — pressure, not a trend | 16.8 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 42, neither overbought (above 70) nor oversold (below 30) | 41.8 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($22.03 to $24.05) — its "stochastic" reading is 41 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 40.6 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 10 trading days ago (its momentum flipped negative) | 10 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $24.66 | $24.66 |
|---|---|---|
| From the 52-week high | it is 7.3% below its 52-week high (its highest price of the past year) | -7.3% |
| Above the 52-week low | it is 44.6% above its 52-week low (its lowest price of the past year) | +44.6% |
| Below the 52-week high | it is 7.3% below its highest point of the past year | 7.3% |
| Since a 20-day breakout | it made a new 20-day low about 22 trading days ago | 22 sessions |
| Since a 55-day breakout | it made a new 55-day high about 37 trading days ago | 37 sessions |
| All-time high | its highest closing price on record is $26.13 (set on 2021-03-15) | $26.13 |
| Given back of the 52-week move | over the past year its closes ranged ($15.92 to $24.43), and it has given back roughly a quarter of its rise from last year’s low — 19% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $18.90 to $19.17. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 18.6% |
| From the all-time high | it is 12.6% below its all-time high | -12.6% |
| Nearest price level | it is trading 1.2% above a support level at $22.58 — a price it turned at six times since 2026-03-09, most recently on 2026-07-23. Since 2024-08-21 it has 12 such levels below the current price and 3 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -1.2% |
| All-time low | its lowest closing price on record is $5.53 (set on 2009-03-02) | $5.53 |
| Above the all-time low | it is 313.5% above its all-time low | +313.5% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 83% of it) | 17th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.7047 between its high and its low — about 3.1% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.7047 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $22.84 and $24.17 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $22.84 – $23.51 – $24.17 |
| Typical daily range (% of price) | its price moves about 3.1% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 3.1% |
| Stretch from the 200-day average | it is trading 2.3 daily ranges above its 200-day average price (7.5% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 2.3 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is running unusually high — about 2.1× its 30-day average, a sign of heightened interest | 2.06× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
4
| Since a doji | today it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | today |
|---|---|---|
| Since a hammer | today, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | today |
| Since a bullish engulfing | 7 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 7 sessions ago |
| Since a bearish engulfing | 9 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 9 sessions ago |
Price gaps
3
| Gap at the open | it opened on 2026-08-21 0.3% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.3% |
|---|---|---|
| Open gap | it gapped 2.1% below the previous close 10 sessions ago and has not traded back through the level it left behind at 23.94 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | -2.1% |
| Gap filled | a 2.8% gap down opened on 2026-08-17 has been "filled" 4 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 4 sessions ago |
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 4.6 percentage points (the stock lost 2.2% while the market gained 2.3%) | -4.6% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 0.2 percentage points (the stock gained 2.9% while the market gained 3.1%) | -0.2% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 9.6 percentage points (the stock gained 1.5% while the market gained 11.1%) | -9.6% |
| vs market, 12 months | over the past 12 months this stock beat the market by 15.8 percentage points (the stock gained 36.3% while the market gained 20.5%) | +15.8% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bearish state: MACD momentum is negative, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 3 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 1.2% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thin, spanning 1.8% of the share price, which is taken to mean a barrier that gives way easily. | -1.2% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 2% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $22.32 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | +2.4% |
|---|---|---|
| Vs the average paid since it last reported | the price is 3% below the average price paid since it last reported on 2026-07-28 (its 8-K), so the typical buyer over that stretch is under water. That average is $23.50 — a volume-weighted average of daily closes over 19 sessions, not a true tick-by-tick VWAP. | -2.8% |
Price levels it has turned at before
EBMT last closed at $22.85 on 2026-08-21. Since 2024-08-21 it has turned at 12 prices below its last close and 3 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $22.58 | Support | 1.2% below the last close | turned there six times · 2026-03-09 to 2026-07-23 |
| $23.14 | Resistance | 1.3% above the last close | turned there three times · 2026-02-26 to 2026-07-08 |
| $23.95 | Resistance | 4.8% above the last close | turned there three times · 2026-02-06 to 2026-07-16 |
| $21.59 | Support | 5.5% below the last close | turned there twice · 2026-04-24 to 2026-06-01 |
| $24.58 | Resistance | 7.6% above the last close | turned there twice · 2026-07-01 to 2026-07-29 |
| $20.11 | Support | 12.0% below the last close | turned there twice · 2025-12-19 to 2026-03-25 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Unusually heavy trading volume · trendless / choppy (low ADX) · lagging the market · Printed a doji candle · Printed a hammer candle after a decline | Learn: moving average · golden cross · adx · rsi · macd · breakout · volume and relative volume
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$25.00 range $24.00 – $26.00
Analyst estimates, as of 2026-08-19. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for EBMT
- Consensus EPS estimate$0.5367 next reporting period, as of 2026-08-19
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["High geographical concentration of operations and loan portfolio in Montana.","Sensitivity to interest rate fluctuations affecting net interest margins and loan demand.","Credit risk related to real estate collateral values and regional economic performance."]
What changed in the latest 10-Q
AI-assisted comparison of EBMT's 10-Q filed 2026-05-07 against the prior one filed 2025-11-05.
Management's Discussion & Analysis (MD&A)
- Added:
- Reference to Form 10-K filed on March 9, 2026 (in newer filing)
- Federal funds rate maintained at 3.75% during three months ended March 31, 2026 (in newer filing)
- Removed:
- Reference to Form 10-K filed on March 14, 2025 (removed in newer filing)
- Federal funds rate decreased to 4.25% during nine months ended September 30, 2025 (removed in newer filing)
- Reworded:
- Comparison period changed from 'three and nine months ended September 30, 2025' to 'three months ended March 31, 2026' with comparison to same period of 2024 vs 2025
- Comparison period in Financial Condition section changed from 'September 30, 2025 and December 31, 2024' to 'March 31, 2026 and December 31, 2025'
- Federal Open Market Committee interest rate language: 'decreased the federal funds target rate to 4.50% during the year ended December 31, 2024. The rate was decreased to 4.25% during the nine months ended September 30, 2025' changed to 'decreased the federal funds target rate to 3.75% during the year ended December 31, 2025. The rate remained at 3.75% during the three months ended March 31, 2026'
- Total assets changed from '$2.12 billion at September 30, 2025' to '$2.09 billion at March 31, 2026'
- Asset change direction reversed from 'an increase of $16.72 million, or 0.8%' to 'a decrease of $14.52 million, or 0.7%'
- Loans receivable change from 'increased by $36.23 million, or 2.4%' to 'increased by $207,000'
- Securities available-for-sale change from 'decreased $12.67 million, or 4.3%' to 'decreased $6.81 million, or 2.4%'
- Total liabilities change from 'an increase of $4.99 million, or 0.3%' to 'a decrease of $15.66 million, or 0.8%'
- Total borrowings change from 'decreased $61.65 million' to 'decreased $11.32 million'
- Total deposits change from 'increased $70.95 million' to 'increased $4.48 million'
- Total shareholders' equity change from 'increased $11.72 million, or 6.7%' to 'increased $1.15 million, or 0.6%'
- Securities table data updated with March 31, 2026 and December 31, 2025 figures replacing September 30, 2025 and December 31, 2024 figures
- Securities available-for-sale total changed from '$279.92 million' to '$274.89 million'
- Securities decrease explanation changed from 'maturity, principal payments and call activity of $22.36 million offset by a security purchase of $3.02 million and an increase in fair value of $7.31 million' to 'maturity, principal payments and call activity of $3.89 million and a decrease in fair value of $2.72 million'
- Notes:
- Newer filing covers Q1 2026 (three months ended March 31, 2026) vs older filing covering Q3 2025 (three and nine months ended September 30, 2025); these are different reporting periods making some comparisons context-dependent
- Text in older filing appears truncated at 'ANALYSI' suggesting possible data extraction limitation
Risk Factors
- Added:
- Added specific reference to 'the war in the Middle East' as an example of geopolitical developments affecting financial markets (filed 2026-05-07)
- Removed:
- Removed reference to 'the current U.S. federal government shutdown' and replaced with general language about 'any U.S. federal government shutdown' (filed 2026-05-07)
- Removed reference to Form 10-K for the year ended December 31, 2024, replaced with year ended December 31, 2025 (filed 2026-05-07)
- Reworded:
- Changed 'volatility, disruption, or uncertainty in national and international financial markets, including as a result of geopolitical developments' to add 'including as a result of geopolitical developments, including the war in the Middle East' (filed 2026-05-07)
- Changed 'the effects of the current U.S. federal government shutdown' to 'the effects of any U.S. federal government shutdown' to make the language prospective rather than referencing an ongoing event (filed 2026-05-07)
- Notes:
- The newer filing's text appears truncated at the end ('hereafter becom' is incomplete in the older version shown, but this appears to be a display artifact rather than a substantive change)
- Page numbers changed from 40-42 in older filing to 35-37 in newer filing, indicating document length reduction
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales recorded in the last 90 days.
- Last 180 days0 buys · 1 sell ($228338) — 1 selling insider
Most recent open-market transaction: 2026-05-08. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about EBMT's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding EBMT as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 690,979
- Reported value $14,220,347
reported quarterly holdings change (2025-12-31 → 2026-03-31): 1 new, 2 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
EBMT had 207,111 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
EBMT had 2.60% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 4.57 days to cover at the same settlement.
- Reported short interest (shares) 207,111
- Short interest (% of shares outstanding) 2.60%
- Prior settlement (shares) 218,843
- Reported change -5.36%
- Days to cover (reported) 4.57
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Glacier Bancorp (GBCI)
- First Interstate BancSystem (FIBK)
- Washington Federal (WAFD)
- Stockman Bank of Montana
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does EAGLE BANCORP MONTANA INC (EBMT) do?
Eagle Bancorp Montana, Inc. is a bank holding company that operates through its wholly-owned subsidiary, Opportunity Bank of Montana. The company provides a full range of retail and commercial banking services to individuals and businesses primarily within the state of Montana.
What sector is EAGLE BANCORP MONTANA INC (EBMT) in?
EAGLE BANCORP MONTANA INC (EBMT) is classified in the Financials sector. Its industry is regional banking. It trades on NASDAQ.
Does EBMT pay a dividend?
Yes — EAGLE BANCORP MONTANA INC (EBMT) pays a dividend, with an indicated yield of about 2.44% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are EAGLE BANCORP MONTANA INC's (EBMT) competitors?
Notable peers of EAGLE BANCORP MONTANA INC (EBMT) include Glacier Bancorp, First Interstate BancSystem, Washington Federal and Stockman Bank of Montana. This peer set is informational only — not financial advice.
Is EAGLE BANCORP MONTANA INC (EBMT) overbought or oversold right now?
EAGLE BANCORP MONTANA INC (EBMT) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 42, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on EBMT come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.