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Eagle Bancorp Montana (EBMT) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 4, 2026 · Eagle Bancorp Montana (EBMT) Q3 2026 earnings results →

Q3 2026 Revenue up 7% year over year to $25.1M · 12¢ of every $1 of revenue kept as net profit · operating margin 15.3%

Eagle Bancorp Montana made $25.1M in Q3 2026 (+7% Y/Y): Net interest income $20.0M, Noninterest income $5.1M. Operating margin 15.3%, net earnings $3.0M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 4, 2026.

Revenue$25.1M
Year over year+7%
Operating margin15.3%
Net earnings$3.0M
Operating cash flow$10.4M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $25.1M in Q3 2026, up 7% year over year and up 4% from the previous quarter. Net interest income was the largest line at 80% of revenue. Net interest income added $1.3M year over year (up 7%), 77% of the total change.

Operating profit was $3.8M, a 15.3% margin (down 5.8 points year over year). Operating profit fell $1.1M even though revenue rose $1.7M versus a year earlier, so costs grew faster than sales. Total costs grew 15% against revenue growth of 7%. The fastest-growing cost line was Credit loss provision (+2898%). Net earnings were $3.0M, down 17% year over year. The effective tax rate was 21.6%.

Operating cash flow was $10.4M (up 16% year over year), 345% of net earnings. Non-cash charges added back $1.5M of depreciation and amortization. Working capital and other items added $5.9M. Capital expenditures of $919K left free cash flow of $9.5M.

Quarterly history

QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 4, 2026$25.1M+7%15.3%$3.0M$10.4M

Charts

Eagle Bancorp Montana: where the cash came from (+) and went (−), TTM to Q3 2026Eagle Bancorp Montana: where the cash came from (+) and went (−), TTM to Q3 2026Other investing−$173MOther financing$153MOperating cash flow$24.1MCash drawn (+) / kept (−)$4.7MDividends−$4.6MCapital spending−$3.0MBuybacks−$410KAsset & business sales$154K
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Eagle Bancorp Montana: profit against cash, quarter by quarterEagle Bancorp Montana: profit against cash, quarter by quarterNet incomeOperating cash flow$3.4M$15.6MQ4 2024$3.2M$1.9MQ1 2025$3.2M$1.7MQ2 2025$3.6M$9.0MQ3 2025$4.7M$20.5MQ4 2025$4.0M−$4.7MQ1 2026$3.7M−$2.1MQ2 2026$3.0M$10.4MQ3 2026
Latest (Q3 2026): Net income $3.0M, Operating cash flow $10.4M.
Eagle Bancorp Montana: diluted shares by fiscal yearEagle Bancorp Montana: diluted shares by fiscal year7MFY20207MFY20217MFY20228MFY20238MFY20248MFY2025
+14.7% since FY2020: more shares outstanding (issuance, stock pay).
Eagle Bancorp Montana: long-term debt falling due (FY2025)Eagle Bancorp Montana: long-term debt falling due (FY2025)$23.0M2026$15.0M2027
Cash $63.0M, short-term investments —, long-term debt $44.5M at 2025-12-31.
Eagle Bancorp Montana in its industry: growth against margin (133 companies, SIC 6022)Eagle Bancorp Montana in its industry: growth against margin (133 companies, SIC 6022)revenue growth, year over year →↑ operating marginmedian +9%median 40%BNYSTTFITBMTBFCNCAALLYCFGNTRSWALBPOPEWBCWTFCCOLBSSBCBSHASBHWCAUBGBCIUBSIABCBHTHHOMBUCBRNSTFBPCATYFIBKCUBIFHBIBOCMBINSBCFBOHCVBFBUSEEFSCOFGLOBFBKFFINSFBSMCHBCCBFBNCGABCBYSYBTPEBOTCBKOBKSTBAFMBHRBCAACNOBAMALMCBQCRHOSBCFMNBBFSTUVSPTMPCCNEMSBIHBTEQBKCTBICPFTHFFMPBSBSIMBWMLKFNIBCPEGBNSPFIWASHCCBGCOFSCWBCHBIAACNBGSBCFSBCTRSTCIVBFCBCMCBSFBIZINBKBWBCBANMVBFBSRRCZNCCFFIRBBISTRUNTYBWFGBMRCRRBIPCBFCBMCHMGCZFSNWFLWTBAMYFWAVBHOPBKUSCBFCCOCOSOFXNCPKBKISBAPEBKBPRNBRBSHNVRMNSBFVCBCCFNSBFGJMSBBOTJNWPPFUSBAUBNJUVFEBMT (+7%, 15%)
State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About Eagle Bancorp Montana

Eagle Bancorp Montana, Inc. is a bank holding company headquartered in Helena, Montana, and is the holding company of Opportunity Bank of Montana, a community bank established in 1922 that serves consumers and small businesses in Montana through 30 banking offices. Additional information is available on the Bank’s website at www.opportunitybank.com. The shares of Eagle Bancorp Montana, Inc. are traded on the NASDAQ Global Market under the symbol “EBMT.”

In its own words, from its 8-K, filed Jul 28, 2026.

Eagle Bancorp Montana against its State Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +7% against the peers' median +10%. Operating margin: 15.3% against the peers' median 34.6%.

CompanyQuarterRevenueY/YOp. margin
EBMT Eagle Bancorp MontanaQ3 2026$25.1M+7%15.3%
BNY Bank of New York MellonQ3 2026$5.7B+12%38.5%
STT State StreetQ3 2026$4.0B+13%34.7%
FITB Fifth Third BancorpQ3 2026$3.3B+42%33.8%
MTB M&T BankQ3 2026$2.5B+0.9%39.7%
FCNCA First Citizens BancsharesQ3 2026$2.4B0%33.1%
ALLY Ally FinancialQ3 2026$2.3B+8%24.3%
CFG Citizens Financial GroupQ3 2026$2.3B+10%34.6%
NTRS Northern TrustQ3 2026$2.3B+13%34.7%

Source: Eagle Bancorp Montana 10-Q on SEC EDGAR · CIK 1478454 · State Commercial Banks

Guidance and outlook

Eagle Bancorp Montana: what its forward-looking statements are about (10-Q filed 2026-11-04)Eagle Bancorp Montana: what its forward-looking statements are about (10-Q filed 2026-11-04)Financing2Margins1Costs1The economy1
5 statements; tone +0.40 (−1 all cautious, +1 all confident); 1 hedged.
Eagle Bancorp Montana: outlook statements against the filing beforeEagle Bancorp Montana: outlook statements against the filing beforeConfident2

13F: who owns EBMT and who is buying

Largest holders of EBMT (13F)Largest holders of EBMT (13F)BlackRock$15.6MManufacturers Life Insurance Comp…$9.5MVanguard Group$8.5MVanguard Capital Management LLC$7.8MDimensional Fund Advisors LP$6.6MGeode Capital Management, LLC$4.5MAmerican Century Companies$3.7MAcadian Asset Management LLC$3.3MRenaissance Technologies LLC$3.1MO'Shaughnessy Asset Management, L…$2.7M
Funds' net buying of EBMT by quarter (13F)Funds' net buying of EBMT by quarter (13F)$463K2024-09−$3.0M2024-12$6.8M2025-03−$19.6M2025-06−$639K2025-09$5.0M2025-12$2.7M2026-03$2.6M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on EBMT

History

Every quarter: Q3 2026 results

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中文版：Eagle Bancorp Montana（EBMT）财报

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