Filing Flows › Eagle Bancorp Montana (EBMT) › Q3 2026 › vs Q3 2025
Eagle Bancorp Montana (EBMT) Q3 2026 vs Q3 2025 (year over year)
Eagle Bancorp Montana's revenue rose $1.7M (+7%) from $23.4M in Q3 2025 to $25.1M in Q3 2026. The biggest changes: Net interest income +$1.3M (+7%); Noninterest income +$380K (+8%). Operating margin 15.3% against 21.2% (-5.8 pts).
Eagle Bancorp Montana, Q3 2026: revenue $25.1M (+7% year over year), operating margin 15.3%, net earnings $3.0M, operating cash flow $10.4M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 15.3% | 21.2% | -5.8 pts |
| Net margin | 12.0% | 15.5% | -3.5 pts |
| Free cash flow margin | 37.7% | 30.3% | +7.4 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $20.0M | $18.7M | $1.3M | +7% |
| Noninterest income | $5.1M | $4.7M | $380K | +8% |
| Revenue | $25.1M | $23.4M | $1.7M | +7% |
| Operating profit | $3.8M | $5.0M | −$1.1M | -22% |
| Costs & expenses | $21.2M | $18.4M | $2.8M | +15% |
| Pre-tax earnings | $3.8M | $5.0M | −$1.1M | -22% |
| Credit loss provision | $1.9M | $62K | $1.8M | 30× |
| Noninterest expense | $19.4M | $18.4M | $993K | +5% |
| Net earnings | $3.0M | $3.6M | −$616K | -17% |
| Income tax | $831K | $1.3M | −$495K | -37% |
| Depreciation & amortization | $1.5M | $1.6M | −$149K | -9% |
| Working capital & other | $5.9M | $3.7M | $2.2M | +59% |
| Operating cash flow | $10.4M | $9.0M | $1.4M | +16% |
| Free cash flow (OCF − capex) | $9.5M | $7.1M | $2.4M | +34% |
| Capital expenditures | $919K | $1.9M | −$948K | -51% |
Questions
How much did Eagle Bancorp Montana's revenue grow year over year in Q3 2026?
Eagle Bancorp Montana's revenue rose $1.7M (+7%) from $23.4M in Q3 2025 to $25.1M in Q3 2026.
What drove Eagle Bancorp Montana's revenue change in Q3 2026?
Net interest income +$1.3M (+7%); Noninterest income +$380K (+8%).