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
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -25.5% |
| Our one-year growth estimate | diamond | -3.9% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 21.6 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
EBMT — earnings miss
Dated 2026-10-27
Results of Operations and Financial Condition. On October 27, 2026, Eagle Bancorp Montana, Inc. announced its results of operations for the quarter ended September 30, 2026. A copy of the press release announcing Eagle’s results for the quarter ended September 30, 2026, and dated October 27, 2026 is attached as Exhibit 99.1 and incorporated herein by reference. The information in Item 2.02, as well as Exhibit 99.1, is being furnished and shall not be deemed “filed” for purposes of Section 18…
Why it matters: Costs rose to $19.4 million in Q3 and were up 6.1% for the first nine months. More growth could limit earnings gains.
Worry ifQ4 noninterest expense exceeds $19.4 million, the Q3 amount.
Less concerning ifQ4 noninterest expense is $19.4 million or less.
Why it matters: Deposit costs fell to 1.44% in Q3, while the bank used more borrowed funds. A rise in deposit costs could pressure its margin.
Worry ifQ4 average cost of total deposits rises above 1.44%.
Less concerning ifQ4 average cost of total deposits stays at or below 1.44%.
Why it matters: Loans jumped $159 million in Q3, after a $39 million rise in Q2. A sharp slowdown would test the loan growth plan.
Worry ifQ4 total loans rise by less than $39 million from the $1.72 billion reported at September 30, 2026.
Less concerning ifQ4 total loans rise by at least $39 million, matching or topping the Q2 increase.
Why it matters: The board declared a $0.1475 quarterly dividend. The payment date offers a clear check on whether this payout proceeds as announced.
Watch forThe company pays $0.1475 per share on December 4, 2026, to holders of record on November 13.
Also watch forThe company says the December 4 payment is late, changed, or canceled.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$77 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $219 loss on $10,000 · 2.2% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,564 loss on $10,000 · 15.6% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: The Q3 provision rose to $1.9 million as loans grew. A larger charge could point to rising credit costs.
Worry ifQ4 provision for credit losses exceeds $1.9 million, the Q3 amount.
Less concerning ifQ4 provision is $1.9 million or less. No reported credit problems have worsened for any borrower.
Why it matters: Margin slipped from 4.15% in Q2 to 4.12% in Q3. A further drop could weigh on earnings.
Worry ifQ4 net interest margin falls below 4.12%.
Less concerning ifQ4 net interest margin holds at or above 4.12%.