Eagle Bancorp Montana, Inc. (EBMT)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$20.88-2.61%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · EBMT
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 33% of the last 3 guided quarters · -9.0% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Darryl Rensmon 8 □ Continue to diversify our loan portfolio into commercial (C&I), commercial real estate and agriculture □ Attract and retain lower - cost core deposits □ Continue to expand our fran…
Stated in 2 of 3 supplied quarters. Management reported: “Clark, CEO. “Total loans increased $159.0 million from the prior quarter, with growth across our markets and lending lines that reflects strong customer demand and the deep relationships our bankers have built.” “Net interest margin remained solid at 4.12%, and the larger loan portfolio we built this quarter positions us to grow earnings in the periods ahead.”
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 66% of the time over the next year (vs 56% for the rest of the cohort, n=7714).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Clark, CEO. “Total loans increased $159.0 million from the prior quarter, with growth across our markets and lending lines that reflects strong customer demand and the deep relationships our bankers…”
“Waters of First Community Bank □ Continue to diversify our loan portfolio into commercial (C&I), commercial real estate and agriculture □ Attract and retain lower - cost core deposits □ Continue to e…”
Darryl Rensmon 8 □ Continue to diversify our loan portfolio into commercial (C&I), commercial real estate and agriculture □ Attract and retain lower - cost core deposits □ Continue to expand our fran…
Stated in 2 of 3 supplied quarters. Management reported: ““Deposit costs continued a downward trajectory during the second quarter, reflecting the strength of our core deposit base and the favorable repricing of maturing CDs, and we anticipate deposit costs will remain well-managed throughout the remainder of the year, even as the interest rate environment evolves,” said Miranda Spaulding, Chief Financial Officer.” “With a strong core deposit base supporting this growth, we enter the final quarter of the year with positive momentum and remain focused on delivering long-term value for our shareholders.””
““Deposit costs continued a downward trajectory during the second quarter, reflecting the strength of our core deposit base and the favorable repricing of maturing CDs, and we anticipate deposit costs…”
“Waters of First Community Bank □ Continue to diversify our loan portfolio into commercial (C&I), commercial real estate and agriculture □ Attract and retain lower - cost core deposits □ Continue to e…”
“We continue to invest strategically in our team and technology to support long-term growth, while maintaining a disciplined approach to managing expenses,” said Darryl Rensmon, President and Chief O…
Stated in 2 of 3 supplied quarters. Management reported: ““We continue to apply careful financial discipline, all while prioritizing investment in the areas we are confident will drive the greatest long-term impact,” said Darryl Rensmon, President and Chief Operating Officer.” ““We continue to invest strategically in our team and technology to support long-term growth, while maintaining a disciplined approach to managing expenses,” said Darryl Rensmon, President and Chief Operating Officer.”
““We continue to invest strategically in our team and technology to support long-term growth, while maintaining a disciplined approach to managing expenses,” said Darryl Rensmon, President and Chief O…”
““We continue to apply careful financial discipline, all while prioritizing investment in the areas we are confident will drive the greatest long-term impact,” said Darryl Rensmon, President and Chief…”
Net interest margin remained solid at 4.12%, and the larger loan portfolio we built this quarter positions us to grow earnings in the periods ahead.
Importantly, we grew without compromising our credit discipline or pricing.
Over the trailing year it converted 0.25x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 52% of the time over the next year (vs 60% for the rest of the cohort, n=6873).
Not enough signal yet.
Not enough signal to read sensitivity to the broad stock market, the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
8 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated stable grew net income 58% of the time over the next year (vs 59% for the rest of the cohort, n=7436).
Not investment advice. As of 2026-11-05.