Stock Ratings / Financials / EBMT / dividends

HNVR (67) BAFN (47) FINW (47) MNSB (64) ⌘ Pro Terminal →

Eagle Bancorp Montana Inc. (EBMT) Dividend Safety Gauge & 10-Year DRIP Compounder

$21.21 -0.70% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $21.23

Eagle Bancorp Montana Inc. (EBMT) earns a Roarable Rating of B- (Buy) with 71/100 RQD Confidence. High-quality cash engine (steady margins, 8% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate) →

ROARABLE B- • BUY Cap $170.1M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on EBMT Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is EBMT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Eagle Bancorp Montana Inc. (NASDAQ: EBMT) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $21.21 (-0.70% 1D, market cap $170.1M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, EBMT ranks #113 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does EBMT compare to HNVR and BAFN in the Financials sector?

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Within the Financials sector (Major Banks), EBMT carries a Roarable B- (71/100 RQD), trailing P/E of 11.5x, gross margin of —, and ROIC of 7.7%. By comparison, HNVR (Hanover Bancorp Inc.) holds a C+ grade (67/100 RQD, P/E 22.2x, ROIC 3.7%, cap $166.5M) and BAFN (BayFirst Financial Corp.) posts a D grade (47/100 RQD, P/E N/A, ROIC -30.1%, cap $166.4M). Among the 5-stock peer group, MNSB leads on earnings multiple (9.8x) while FINW leads on capital efficiency (8.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for EBMT?

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Per EBMT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001478454), Eagle Bancorp Montana Inc. generated $0 in revenue, $14.8M in net income, and $28.3M in free cash flow against $2.11B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $21.23 (+0.11%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 0.7% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B-

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B- · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+5.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for EBMT)Realized 20D OHLCV Swing Band: ±7.5%

Deterministic 5-Pillar Attribution (71/100 Composite)

🔍 WHY EBMT SCORES 71/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (23% of score)

FRED Regime × Technicals: 61% of 52W Range • RSI-14 at 48.2 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning12/20 pts (-8 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-8 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$20.61+1.7% Next Q

Q2 (-2Q)

Grade B-$20.97+1.7% Next Q

Q3 (-1Q)

Grade B-$21.32-0.5% Next Q

Current

Grade B-$21.21+6.8% Hist 90D α

Trajectory: C+ (63) → B- (71)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the EBMT Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 71/100 (B-) score, EBMT faces multiple-compression risk if 11.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($21.67) or 200D SMA ($22.21) invalidates the momentum regime and cuts Target Base ($22.45) toward Bear Floor ($17.39).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $EBMT• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “EBMT Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 71%NO 29%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

4.49% Total Yield

2.69% Cash ($0.57/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

14% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (9.4% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $24,557

Est. Year-10 Shareholder Yield: $1,103/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.9K

Yr 1

$12.0K

Yr 2

$13.1K

Yr 3

$14.3K

Yr 4

$15.7K

Yr 5

$17.1K

Yr 6

$18.8K

Yr 7

$20.5K

Yr 8

$22.4K

Yr 9

$24.6K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in EBMT & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on EBMT and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

EBMT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -4.11%▼ DESCENDING CHANNEL

2026-10-30O $21.43H $21.55L $21.15C $21.21VOL 21.5K

RES: $22.24SUP: $19.73SMA50: $21.67SMA200: $22.21

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

EBMT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 EBMT Butterfly Map → + Track EBMT →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

1.6%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on EBMT today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for EBMT. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for EBMT today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (EBMT)

Financials Rank #113 of 1096 ⚔️ HNVR vs EBMT Full Matrix →

1. Head-to-Head Financials Peer Comparison (EBMT vs. HNVR, BAFN, FINW, MNSB)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Eagle Bancorp Montana Inc. (EBMT) ranks #113 by composite RQD confidence (71/100, grade B-) and #912 by equity capitalization ($170.1M). Within this direct 5-issuer industry benchmark cohort, MNSB leads on earnings valuation at 9.8x trailing P/E, while FINW leads on capital efficiency and profitability with 8.3% ROIC and — gross margin. EBMT currently leads its immediate peer cohort in composite quantitative strength at 71/100 (B-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
EBMT ACTIVE Eagle Bancorp Montana Inc.	B-	71/100	11.5x	—	7.7%	-0.70%	$170.1M	Benchmark Subject
HNVR Hanover Bancorp Inc.	C+	67/100	22.2x	—	3.7%	-1.10%	$166.5M	/hnvr-vs-ebmt →
BAFN BayFirst Financial Corp.	D	47/100	—	—	-30.1%	-6.00%	$166.4M	/bafn-vs-ebmt →
FINW FinWise Bancorp	D	47/100	11.5x	—	8.3%	-1.05%	$185.1M	/finw-vs-ebmt →
MNSB MainStreet Bancshares Inc.	C	64/100	9.8x	—	7.1%	-0.88%	$153.0M	/mnsb-vs-ebmt →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001478454

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Eagle Bancorp Montana Inc. (EBMT) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $14.8M, operating cash flow of $33.1M, and free cash flow of $28.3M (+96.0% YoY). On the balance sheet, EBMT closed FY2025 with $2.11B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$14.8M	$33.1M	$28.3M	$2.11B	—
FY2024 (FY)	2024-12-31	$0	$9.8M	$28.5M	$14.5M	$2.10B	—
FY2023 (FY)	2023-12-31	$0	$10.1M	$9.3M	$9.3M	—	—

3. EBMT Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is EBMT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does EBMT compare to HNVR and BAFN in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for EBMT?

Where is EBMT trading relative to its 50-day, 200-day, and 52-week technical levels?

EBMT last traded at $21.21 (-0.70% on volume of 21,543 shares), positioning the stock -2.12% below its 50-day simple moving average ($21.67) and -4.50% below its 200-day simple moving average ($22.21). Across its 52-week range of $15.80 to $24.66, EBMT sits at the 61.1% percentile with a 14-day RSI of 48.2 (NEUTRAL RANGE) and an implied next-earnings move of ±7.5% ($19.62 to $22.80).

EBMT Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does EBMT pay a dividend and is it safe?

Eagle Bancorp Montana Inc. (EBMT) offers a 2.69% cash dividend yield ($0.57 annualized) and 4.49% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Direct Sub-Reports: EBMT RQD Cockpit EBMT 12M Forecast EBMT Earnings & Move EBMT Dividends & DRIP EBMT Insiders & 13F EBMT Whale Options EBMT Profit Sankey EBMT News & Why