Eagle Bancorp Montana Inc (EBMT) — Cash Flow Quality Index
Eagle Bancorp Montana Inc (EBMT) has a Cash Flow Quality Index of -1.19x as of March 2026. Operating cash flow of $-4.72 Million is below net income of $3.98 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore EBMT operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Eagle Bancorp Montana Inc Cash Flow Quality Index (2008–2025)
Historical Cash Flow Quality Index for Eagle Bancorp Montana Inc across 18 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Eagle Bancorp Montana Inc operating cash flow efficiency.
Annual Cash Flow Quality Index for Eagle Bancorp Montana Inc (2008–2025)
Year-by-year earnings quality comparison for Eagle Bancorp Montana Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 2.23x | $33.13 Million | $14.84 Million | ▼ -23.5% |
| 2024 | 2.92x | $28.54 Million | $9.78 Million | ▲ +214.0% |
| 2023 | 0.93x | $9.35 Million | $10.06 Million | ▼ -76.3% |
| 2022 | 3.92x | $41.91 Million | $10.70 Million | ▲ +0.0% |
| 2021 | 3.92x | $56.45 Million | $14.42 Million | ▲ +3820.1% |
| 2020 | 0.10x | $2.12 Million | $21.21 Million | ▲ +196.7% |
| 2019 | 0.03x | $366.00K | $10.87 Million | ▼ -98.8% |
| 2018 | 2.72x | $13.57 Million | $4.98 Million | ▼ -44.3% |
| 2017 | 4.89x | $20.05 Million | $4.10 Million | ▲ +94.5% |
| 2016 | 2.51x | $12.89 Million | $5.13 Million | ▲ +32.7% |
| 2015 | 1.89x | $4.88 Million | $2.58 Million | ▼ -58.4% |
| 2014 | 4.55x | $9.60 Million | $2.11 Million | ▲ +230.5% |
| 2013 | -3.48x | $-6.88 Million | $1.97 Million | ▼ -390.6% |
| 2012 | -0.71x | $-1.55 Million | $2.18 Million | ▼ -114.9% |
| 2011 | 4.77x | $11.50 Million | $2.41 Million | ▲ +379.4% |
| 2010 | 1.00x | $2.40 Million | $2.41 Million | ▲ +0.0% |
| 2009 | 1.00x | $2.40 Million | $2.41 Million | ▼ -58.5% |
| 2008 | 2.40x | $5.73 Million | $2.39 Million | — |