Filing Flows › Eagle Bancorp Montana (EBMT) › Q3 2026
Eagle Bancorp Montana (EBMT) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 4, 2026
Eagle Bancorp Montana (EBMT) reported revenue of $25.1M for the third quarter 2026 (Q3 2026), +7% from a year earlier and +4% from the quarter before. Operating margin was 15.3%, net earnings $3.0M (12.0% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $25.1M | +4% | +7% |
| Operating profit | $3.8M | -20% | -22% |
| Net earnings | $3.0M | -19% | -17% |
| Operating cash flow | $10.4M | — | +16% |
| Free cash flow | $9.5M | — | +34% |
What changed
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.
Questions
What was Eagle Bancorp Montana's revenue in the third quarter 2026?
Eagle Bancorp Montana (EBMT) reported revenue of $25.1M for the third quarter 2026 (Q3 2026), +7% from a year earlier and +4% from the quarter before.
Was Eagle Bancorp Montana profitable in the third quarter 2026?
Operating profit was $3.8M (15.3% of revenue) and net earnings $3.0M.