Eagle Bancorp Montana, Inc. (EBMT)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$22.89+0.31%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
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 | -17.9% |
| Our one-year growth estimate | diamond | -5.5% |
Growth built into the price is above our model estimate.
The price assumes 12.4 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
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.
Model as of 2026-09-04 · Compared with 219 industry peers
EBMT — earnings miss
Dated 2026-07-28
Results of Operations and Financial Condition. On July 28, 2026, Eagle Bancorp Montana, Inc. announced its results of operations for the quarter ended June 30, 2026. A copy of the press release announcing Eagle’s results for the quarter ended June 30, 2026, and dated July 28, 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 of the Securitie…
Why it matters: Changes in net interest margin (NIM) affect profits. A steady or rising NIM shows good management.
Watch forNIM for Q2 2026 remains at or above 4.11%.
Also watch forNIM for Q2 2026 drops below 4.11%, signaling potential issues.
Why it matters: An increase in the dividend would signal confidence in future earnings and cash flow. Investors value consistent returns.
Supportive ifDividend declared above $0.1475 per share.
Worry ifDividend remains at or below $0.1475 per share.
Why it matters: The new CEO's approach could change company direction. This is key for future growth and stability.
Watch forThe new CEO shares plans that match the goal of making more money.
Also watch forThere is no clear plan. This creates uncertainty about the company's future.
Why it matters: A drop in sector revenue growth could signal broader challenges. This affects investor sentiment and company performance.
Worry ifSector revenue growth falls below its median of 15% year over year.
Less concerning ifSector revenue growth remains above its median.
Why it matters: The CEO change could affect the company's direction and stability. This impacts investor trust.
Watch forThere are no major changes or problems after the CEO change.
Also watch forBig changes or problems happen after the CEO change.
Why it matters: A significant decline in loans could indicate weakening demand or credit quality issues. This is critical for growth.
Worry ifTotal loans decrease by more than $20 million.
Less concerning ifTotal loans increase or decline less than $20 million.
Why it matters: Deposit growth is crucial for funding loans. Slowing growth could signal challenges in attracting customers.
Worry ifTotal deposits grow by more than 5% year over year.
Less concerning ifTotal deposits grow by less than 5% year over year.
Why it matters: Sector revenue trends impact EBMT's growth potential. A slowdown could affect earnings.
Worry ifSector revenue growth is over 15%. This shows the sector is still growing.
Less concerning ifSector revenue growth is below 10%. This signals a possible slowdown.
Why it matters: A drop in net income shows ongoing money-making problems after a recent earnings miss.
Worry ifNet income for Q3 is reported below $3.5 million.
Less concerning ifNet income for Q3 exceeds $3.5 million.
Why it matters: Higher deposit costs could hurt net interest margin and make less money.
Worry ifAverage deposit costs are above 1.5%.
Less concerning ifAverage deposit costs are below 1.5%.
Why it matters: Strong loan growth shows that the company is expanding well. It also shows good efforts to diversify.
Supportive ifTotal loans increase by more than $40 million in Q3.
Worry ifTotal loans increase by less than $40 million in Q3.
Why it matters: A decline in net interest margin could mean higher funding costs and less profit.
Worry ifNet interest margin is below 4.10%.
Less concerning ifNet interest margin remains at or above 4.10%.
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.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
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.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$93 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $203 loss on $10,000 · 2.0% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,331 loss on $10,000 · 13.3% | 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.
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.