Financial Snapshot

Revenue
$77.52M
TTM
Gross Margin
Net Earnings
$8.509M
TTM
Current Assets
Current Liabilities
$38.59M
Q3 2024
Current Ratio
Total Assets
$2.145B
Q3 2024
Total Liabilities
$1.967B
Q3 2024
Book Value
$177.7M
Q3 2024
Cash
Q3 2024
P/E
16.41
Nov 29, 2024 EST
Free Cash Flow
$11.83M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007
Revenue $91.62M $69.46M $49.75M $49.65M $46.51M $34.84M $27.86M $23.91M $20.47M $17.28M $14.80M $14.10M $14.96M
YoY Change 31.89% 39.63% 0.19% 6.76% 33.49% 25.06% 16.52% 16.83% 18.43% 16.78% 4.98% -5.77%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007
Revenue $91.62M $69.46M $49.75M $49.65M $46.51M $34.84M $27.86M $23.91M $20.47M $17.28M $14.80M $14.10M $14.96M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $3.934M $3.576M $2.917M $2.443M $1.786M $1.282M $969.0K $1.058M $1.231M $1.146M $931.0K $760.0K $739.0K $1.140M $1.080M $770.0K
YoY Change 10.01% 22.59% 19.4% 36.79% 39.31% 32.3% -8.41% -14.05% 7.42% 23.09% 22.5% 2.84% -35.18% 5.56% 40.26%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007
Interest Expense $29.14M $6.150M $3.207M $6.484M $7.726M $5.102M $4.094M $3.118M $2.455M $2.045M $2.247M $3.165M $4.086M
YoY Change 373.79% 91.77% -50.54% -16.08% 51.43% 24.62% 31.3% 27.01% 20.05% -8.99% -29.0% -22.54%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007
Pretax Income $11.65M $13.85M $19.28M $28.44M $13.97M $5.896M $6.231M $6.931M $2.743M $1.761M $1.323M $2.970M $3.466M $3.450M $3.410M $2.770M $2.330M
YoY Change -15.84% -28.18% -32.2% 103.61% 136.91% -5.38% -10.1% 152.68% 55.76% 33.11% -55.45% -14.31% 0.46% 1.17% 23.1% 18.88% -3.32%
Income Tax $1.598M $3.147M $4.863M $7.234M $3.096M $914.0K $2.128M $1.799M $163.0K -$350.0K -$650.0K $792.0K $1.056M $1.040M $1.020M $660.0K $550.0K
% Of Pretax Income 13.71% 22.73% 25.22% 25.44% 22.16% 15.5% 34.15% 25.96% 5.94% -19.88% -49.13% 26.67% 30.47% 30.14% 29.91% 23.83% 23.61%
Net Earnings $10.06M $10.70M $14.42M $21.21M $10.87M $4.982M $4.103M $5.132M $2.580M $2.111M $1.973M $2.178M $2.410M $2.410M $2.390M $2.110M $1.780M
YoY Change -6.03% -25.79% -32.01% 95.05% 118.23% 21.42% -20.05% 98.91% 22.22% 6.99% -9.41% -9.63% 0.0% 0.84% 13.27% 18.54% -0.56%
Net Earnings / Revenue 10.98% 15.41% 28.98% 42.71% 23.38% 14.3% 14.73% 21.46% 12.61% 12.22% 13.33% 15.45% 16.11%
Basic Earnings Per Share $1.29 $1.45 $2.17 $3.12 $1.69 $0.92 $1.01 $1.36 $0.68 $0.54 $0.51 $0.59 $0.62
Diluted Earnings Per Share $1.29 $1.45 $2.17 $3.11 $1.69 $0.91 $0.99 $1.32 $0.67 $0.53 $0.50 $0.56 $0.62 $539.1K $515.1K $455.7K $384.4K

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $94.28M $84.32M $67.30M $58.80M $40.10M $29.30M $22.00M $19.40M $18.20M $20.00M $18.90M $15.60M $16.20M $15.80M $13.80M $8.100M $8.100M
YoY Change 11.81% 25.29% 14.46% 46.63% 36.86% 33.18% 13.4% 6.59% -9.0% 5.82% 21.15% -3.7% 2.53% 14.49% 70.37% 0.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments $200.0K $200.0K $200.0K $200.0K $200.0K $200.0K $200.0K
YoY Change 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Other Assets $0.00 $12.11M $1.200M $1.400M $2.000M $1.500M $1.500M $2.100M
YoY Change -100.0% -14.29% -30.0% 33.33% 0.0% -28.57%
Total Long-Term Assets
YoY Change
Total Assets $2.076B $1.948B $1.436B $1.258B $1.054B $853.9M $716.8M $673.9M $630.3M $560.2M $510.5M $327.3M $331.1M $325.7M $289.7M $279.9M $279.9M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $36.46M $26.46M $21.10M $24.30M $9.800M $5.400M $4.800M $4.300M $4.100M $4.600M $6.200M $5.800M $3.400M $3.000M $2.500M $2.000M $2.000M
YoY Change 37.81% 25.39% -13.17% 147.96% 81.48% 12.5% 11.63% 4.88% -10.87% -25.81% 6.9% 70.59% 13.33% 20.0% 25.0% 0.0%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $3.000M
YoY Change -100.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $36.46M $26.46M $21.10M $24.30M $9.800M $5.400M $4.800M $4.300M $4.100M $4.600M $3.700M $6.200M $5.800M $3.400M $3.000M $2.500M $2.000M
YoY Change 37.81% 25.39% -13.17% 147.96% 81.48% 12.5% 11.63% 4.88% -10.87% 24.32% -40.32% 6.9% 70.59% 13.33% 20.0% 25.0%
Long-Term Debt $59.00M $58.84M $29.90M $29.80M $24.90M $24.90M $24.80M $15.00M $14.90M $5.200M $5.200M $5.200M $5.200M $5.200M $5.200M $5.200M $5.200M
YoY Change 0.26% 96.8% 0.34% 19.68% 0.0% 0.4% 65.33% 0.67% 186.54% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Other Long-Term Liabilities -$1.156M
YoY Change
Total Long-Term Liabilities $59.00M $58.84M $29.90M $29.80M $24.90M $24.90M $24.80M $15.00M $14.90M $5.200M $5.200M $5.200M $5.200M $5.200M $5.200M $5.200M $5.200M
YoY Change 0.26% 96.8% 0.34% 19.68% 0.0% 0.4% 65.33% 0.67% 186.54% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Total Liabilities $1.906B $1.790B $1.279B $1.105B $932.6M $759.1M $633.2M $614.5M $574.9M $505.7M $461.3M $273.6M $278.6M $273.3M $261.9M $254.3M $254.3M
YoY Change 6.5% 39.93% 15.8% 18.45% 22.86% 19.88% 3.04% 6.89% 13.68% 9.62% 68.6% -1.79% 1.94% 4.35% 2.99% 0.0%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $139.65 Million

About Eagle Bancorp Montana, Inc.

Eagle Bancorp Montana, Inc. is a bank holding company, which engages in the provision of loan and deposit services. The company is headquartered in Helena, Montana and currently employs 383 full-time employees. The company went IPO on 2000-04-06. The company provides loan and deposit services to customers who are predominantly small businesses and individuals throughout Montana. The company is a diversified lender with a focus on residential mortgage loans, commercial real estate mortgage loans, commercial business loans, agricultural loans and second mortgage/home equity loan products. The company offers a variety of deposit accounts. Deposit account terms vary, primarily as to the required minimum balance amount, the amount of time that the funds must remain on deposit and the applicable interest rate. Its current deposit products include certificates of deposit accounts ranging in terms from 90 days to five years, as well as, checking, savings and money market accounts. Individual retirement account (IRA) certificates are included in certificates of deposit. The company also originates in commercial real estate, home equity, and consumer and commercial loans.

Industry: State Commercial Banks Peers: Embassy Bancorp, Inc. HAWTHORN BANCSHARES, INC. Finward Bancorp FNCB Bancorp, Inc. LIMESTONE BANCORP, INC. MIDDLEFIELD BANC CORP Oak Valley Bancorp PNC FINANCIAL SERVICES GROUP, INC.