Eagle Bancorp Montana Inc (EBMT) - Net Assets
Based on the latest financial reports, Eagle Bancorp Montana Inc (EBMT) has net assets worth $192.96 Million USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($2.09 Billion) and total liabilities ($1.90 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check tangible net worth ratio of Eagle Bancorp Montana Inc to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $192.96 Million |
| % of Total Assets | 9.22% |
| Annual Growth Rate | 10.8% |
| 5-Year Change | -86.3% |
| 10-Year Change | 222.62% |
| Growth Volatility | 174.77 |
Eagle Bancorp Montana Inc - Net Assets Trend (2004–2025)
This chart illustrates how Eagle Bancorp Montana Inc's net assets have evolved over time, based on quarterly financial data. See EBMT cash and liquid assets coverage to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Eagle Bancorp Montana Inc (2004–2025)
The table below shows the annual net assets of Eagle Bancorp Montana Inc from 2004 to 2025. For live valuation and market cap data, see Eagle Bancorp Montana Inc market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $191.81 Million | +9.76% |
| 2024-12-31 | $174.76 Million | +3.24% |
| 2023-12-31 | $169.27 Million | +6.85% |
| 2022-12-31 | $158.42 Million | -88.69% |
| 2021-12-31 | $1.40 Billion | +815.67% |
| 2020-12-31 | $152.94 Million | +25.71% |
| 2019-12-31 | $121.66 Million | +28.32% |
| 2018-12-31 | $94.81 Million | +13.38% |
| 2017-12-31 | $83.62 Million | +40.64% |
| 2016-12-31 | $59.46 Million | +7.22% |
| 2015-12-31 | $55.45 Million | +7.24% |
| 2014-12-31 | $51.70 Million | +8.27% |
| 2013-12-31 | $47.76 Million | -10.64% |
| 2012-12-31 | $53.44 Million | +0.47% |
| 2011-12-31 | $53.19 Million | +1.35% |
| 2010-12-31 | $52.48 Million | +0.10% |
| 2009-12-31 | $52.43 Million | 0.00% |
| 2008-12-31 | $52.43 Million | +104.54% |
| 2007-12-31 | $25.63 Million | +6.42% |
| 2006-12-31 | $24.09 Million | +6.84% |
| 2005-12-31 | $22.55 Million | +1.26% |
| 2004-12-31 | $22.27 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Eagle Bancorp Montana Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 392.8% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $111.52 Million | 58.14% |
| Common Stock | $85.00K | 0.04% |
| Other Comprehensive Income | $-16.31 Million | -8.50% |
| Other Components | $96.52 Million | 50.32% |
| Total Equity | $191.81 Million | 100.00% |
Eagle Bancorp Montana Inc Competitors by Market Cap
The table below lists competitors of Eagle Bancorp Montana Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
United Pharm
KO:033270
|
$181.94 Million |
|
Solarius Capital Acquisition Corp.
NASDAQ:SOCA
|
$181.96 Million |
|
Yorkville Acquisition Corp.
NASDAQ:MCGA
|
$182.06 Million |
|
Sai Gon Cargo Service Corp
VN:SCS
|
$182.06 Million |
|
Eastech Holding Limited
TW:5225
|
$181.71 Million |
|
Pruksa Holding Public Company Limited
F:2PR3
|
$181.69 Million |
|
Firm Capital Property Trust
TO:FCD-UN
|
$181.64 Million |
|
Taita Chemical Co Ltd
TW:1309
|
$181.63 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Eagle Bancorp Montana Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 174,765,000 to 191,814,000, a change of 17,049,000 (9.8%).
- Net income of 14,835,000 contributed positively to equity growth.
- Dividend payments of 4,578,000 reduced retained earnings.
- Share repurchases of 1,573,000 reduced equity.
- Other comprehensive income increased equity by 3,835,000.
- Other factors increased equity by 4,530,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $14.84 Million | +7.73% |
| Dividends Paid | $4.58 Million | -2.39% |
| Share Repurchases | $1.57 Million | -0.82% |
| Other Comprehensive Income | $3.83 Million | +2.0% |
| Other Changes | $4.53 Million | +2.36% |
| Total Change | $- | 9.76% |
Book Value vs Market Value Analysis
This analysis compares Eagle Bancorp Montana Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.93x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 4.68x to 0.93x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2004-12-31 | $4.88 | $22.84 | x |
| 2005-12-31 | $3.32 | $22.84 | x |
| 2006-12-31 | $5.24 | $22.84 | x |
| 2007-12-31 | $5.56 | $22.84 | x |
| 2008-12-31 | $11.74 | $22.84 | x |
| 2009-12-31 | $11.74 | $22.84 | x |
| 2010-12-31 | $13.44 | $22.84 | x |
| 2011-12-31 | $13.63 | $22.84 | x |
| 2012-12-31 | $13.70 | $22.84 | x |
| 2013-12-31 | $12.14 | $22.84 | x |
| 2014-12-31 | $13.01 | $22.84 | x |
| 2015-12-31 | $14.37 | $22.84 | x |
| 2016-12-31 | $15.35 | $22.84 | x |
| 2017-12-31 | $20.23 | $22.84 | x |
| 2018-12-31 | $17.27 | $22.84 | x |
| 2019-12-31 | $18.90 | $22.84 | x |
| 2020-12-31 | $22.42 | $22.84 | x |
| 2021-12-31 | $210.41 | $22.84 | x |
| 2022-12-31 | $21.45 | $22.84 | x |
| 2023-12-31 | $21.71 | $22.84 | x |
| 2024-12-31 | $22.25 | $22.84 | x |
| 2025-12-31 | $24.51 | $22.84 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Eagle Bancorp Montana Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 7.73%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 11.78%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 10.98x
- Recent ROE (7.73%) is above the historical average (6.13%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2004 | 7.83% | 15.70% | 0.05x | 9.27x | $-483.50K |
| 2005 | 7.92% | 14.09% | 0.06x | 10.03x | $-469.50K |
| 2006 | 7.38% | 11.92% | 0.06x | 10.16x | $-630.80K |
| 2007 | 8.23% | 12.53% | 0.06x | 10.92x | $-453.40K |
| 2008 | 4.60% | 18.02% | 0.04x | 6.21x | $-2.83 Million |
| 2009 | 4.60% | 18.02% | 0.04x | 6.21x | $-2.83 Million |
| 2010 | 4.60% | 15.58% | 0.05x | 6.31x | $-2.83 Million |
| 2011 | 4.09% | 11.92% | 0.06x | 6.24x | $-3.14 Million |
| 2012 | 3.69% | 7.86% | 0.05x | 9.51x | $-3.37 Million |
| 2013 | 4.42% | 7.73% | 0.05x | 10.81x | $-2.66 Million |
| 2014 | 4.08% | 8.35% | 0.05x | 10.43x | $-3.06 Million |
| 2015 | 4.65% | 8.01% | 0.05x | 11.37x | $-2.96 Million |
| 2016 | 8.63% | 12.86% | 0.06x | 11.33x | $-813.60K |
| 2017 | 4.91% | 9.87% | 0.06x | 8.57x | $-4.26 Million |
| 2018 | 5.25% | 10.75% | 0.05x | 9.01x | $-4.50 Million |
| 2019 | 8.94% | 15.74% | 0.07x | 8.67x | $-1.29 Million |
| 2020 | 13.87% | 23.47% | 0.07x | 8.22x | $5.91 Million |
| 2021 | 1.03% | 15.47% | 0.06x | 1.03x | $-125.62 Million |
| 2022 | 6.75% | 11.43% | 0.05x | 12.30x | $-5.14 Million |
| 2023 | 5.94% | 8.94% | 0.05x | 12.26x | $-6.87 Million |
| 2024 | 5.59% | 8.12% | 0.06x | 12.03x | $-7.70 Million |
| 2025 | 7.73% | 11.78% | 0.06x | 10.98x | $-4.35 Million |
Industry Comparison
This section compares Eagle Bancorp Montana Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $389,399,400
- Average return on equity (ROE) among peers: 10.20%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Eagle Bancorp Montana Inc (EBMT) | $192.96 Million | 7.83% | 9.84x | $181.93 Million |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $68.20 Million | 10.85% | 9.15x | $5.79 Billion |
| ACNB Corporation (ACNB) | $51.46 Million | 12.55% | 7.93x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $137.13 Million |
| Alerus Financial Corp (ALRS) | $127.25 Million | 8.42% | 8.09x | $736.27 Million |
| Amalgamated Bank (AMAL) | $508.95 Million | 16.01% | 14.41x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $1.00 Billion | 3.23% | 8.67x | $974.56 Million |
| Arrow Financial Corporation (AROW) | $431.85 Million | 10.18% | 9.29x | $622.98 Million |
| Associated Banc-Corp (ASB) | $968.70 Million | 17.34% | 12.55x | $5.45 Billion |
| AmeriServ Financial Inc (ASRV) | $141.70 Million | 14.89% | 15.78x | $62.43 Million |
About Eagle Bancorp Montana Inc
Eagle Bancorp Montana, Inc. operates as the bank holding company for Opportunity Bank of Montana that provides various banking products and services to small businesses and individuals in Montana. It accepts various deposit products, such as checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. The company also provides 1-4 family residential mor… Read more