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.
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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 61% of 52W Range • RSI-14 at 48.2 (NEUTRAL RANGE)
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Put hedging (50% put share) caps near-term gamma upside (-8 pts vs max)
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
Eagle Bancorp Montana Inc. (EBMT) slipped -0.70% to $21.21, trading at 61% of its 52-week range ($15.8 – $24.66). High-quality cash engine (steady margins, 8% return on capital) with steady institutional support.
Although the revenue and EPS for Eagle Bancorp Montana (EBMT) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street es
Eagle Bancorp Montana (EBMT) delivered earnings and revenue surprises of -30.91% and +1.95%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
HELENA, Mont., Oct. 27, 2026 (GLOBE NEWSWIRE) -- Eagle Bancorp Montana, Inc. (NASDAQ: EBMT), (the “Company,” “Eagle”), the holding company of Opportunity Bank of Montana (the “Bank”), today reported net income of $3.0 mi
Eagle Bancorp Montana (NASDAQ:EBMT) reported quarterly earnings of $0.38 per share which missed the analyst consensus estimate of $0.55 by 30.91 percent. This is a 17.39 percent decrease over earnings of $0.46 per share
Park National (PRK) delivered earnings and revenue surprises of +1.81% and +0.69%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
First Interstate BancSystem (FIBK) delivered earnings and revenue surprises of -7.14% and +0.69%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Enterprise Financial Services (EFSC) delivered earnings and revenue surprises of -15.22% and -1.05%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on EBMT today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for EBMT. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why EBMT Stock slipped -0.70% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 8% return on capital) with steady institutional support.
Per the Roarable RQD 5-pillar rating engine, Eagle Bancorp Montana Inc. (EBMT) carries a composite score of 71/100 (B- — Roarable Buy — Sound Institutional Accumulation) at a current price of $21.21 (-0.70%). Fundamental cash generation scores 14/20 (ROIC 7.7%, FCF yield 16.66%), institutional 13F whale accumulation scores 12/20, insider conviction scores 16/20, macro regime alignment scores 16/20 (Beta 1.00), and forensic balance-sheet protection scores 13/20 (Altman Z-Score N/A, Piotroski F-Score 5/9).
Investor Implication: At 11.5x trailing P/E and 10.7x forward P/E within Major Banks, upside depends on sustained operating margin expansion (—) and free cash flow conversion relative to the 52-week range of $15.80 – $24.66.
Operating in Major Banks (Financials), EBMT is sensitive to 2nd-order capital expenditure cycles, input cost spreads (gross margin —), and institutional positioning across its peer cohort. Prospective investors should monitor quarterly order backlog conversion, sector capex guidance, and Form 4 insider cluster activity (0 recent filings tracked).
Open Questions to Watch: (1) Margin trajectory vs. peer median; (2) FCF conversion sustainability over the next 4 quarters; (3) Institutional 13F rebalancing around upcoming earnings.
Real-time company headlines, analyst actions, and sector developments for Eagle Bancorp Montana Inc. (EBMT) • Click "Debate This Headline" to argue it in the Roar Pit below
Although the revenue and EPS for Eagle Bancorp Montana (EBMT) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street es
Eagle Bancorp Montana (EBMT) delivered earnings and revenue surprises of -30.91% and +1.95%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
HELENA, Mont., Oct. 27, 2026 (GLOBE NEWSWIRE) -- Eagle Bancorp Montana, Inc. (NASDAQ: EBMT), (the “Company,” “Eagle”), the holding company of Opportunity Bank of Montana (the “Bank”), today reported net income of $3.0 mi
Eagle Bancorp Montana (NASDAQ:EBMT) reported quarterly earnings of $0.38 per share which missed the analyst consensus estimate of $0.55 by 30.91 percent. This is a 17.39 percent decrease over earnings of $0.46 per share
Park National (PRK) delivered earnings and revenue surprises of +1.81% and +0.69%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
First Interstate BancSystem (FIBK) delivered earnings and revenue surprises of -7.14% and +0.69%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Enterprise Financial Services (EFSC) delivered earnings and revenue surprises of -15.22% and -1.05%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Welcome to the EBMT (Eagle Bancorp Montana Inc.) Roar Pit. Current RQD Composite is 71/100 (Roarable Buy — Sound Institutional Accumulation) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on EBMT, but look at what you are paying: 11.5x trailing P/E with tightening sector spreads. Unless Eagle Bancorp Montana Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on EBMT, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $21.21 (52-wk range $15.80 - $24.66), any beat on forward guidance forces shorts and underweight funds to chase.
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