EBMT PRESS-RELEASE SEC Filing Analysis

Latest settled — T+20d ⚠ clustered

EBMT ▼ -1.85% at T+20d

LONG call ✗ call lost -1.85% · α vs SPY -7.31% · entry $22.76 → $22.34

Next anchor: T+60d in 6w

Currently $23.59 · +3.65% from $22.76 entry

Entry anchored
Apr 28, 03:59 PM ET
via Databento tick

T+1d

0.00%

call 0.00% · α -1.02%

$22.76

settled 6w ago

T+5d

-0.92%

call -0.92% · α -4.03%

$22.55

settled 6w ago

T+20d

-1.85%

call -1.85% · α -7.31%

$22.34

settled 17d ago

T+60d

—

call — · α —

—

in 6w

Price Chart

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Executive Summary

Eagle Bancorp Montana reported Q1 2026 EPS of $0.51, beating the $0.45 consensus by 13.3%, while revenue (net interest income before provision plus noninterest income) of $23.6M was above the $18.8M consensus. Net interest margin expanded 37 bps YoY to 4.11%, and the board authorized a new 400,000-share buyback (5% of outstanding). However, net income declined sequentially from $4.7M to $4.0M, and noninterest expense rose 7.1% YoY, tempering the headline beat.

Actionable Insight

The EPS beat and NIM expansion are positive, but the sequential decline in net income and rising expenses warrant caution. The new buyback provides downside support. Monitor upcoming quarters for sustained margin expansion and expense control.

Key Facts

Q1 2026 diluted EPS of $0.51 vs consensus $0.45 (+13.3% beat)
Net income $4.0M vs $3.2M in Q1 2025 (+23.1% YoY), but down from $4.7M in Q4 2025
Net interest margin expanded to 4.11% from 3.74% a year ago (+37 bps)
Board authorized repurchase of up to 400,000 shares (~5% of outstanding)
Total deposits grew 5.7% YoY to $1.79B; average cost of deposits fell to 1.52% from 1.67%
Noninterest expense rose 7.1% YoY to $18.2M, driven by higher salaries and benefits
Provision for credit losses increased to $279K from $42K in Q1 2025

Financial Impact

EPS beat of $0.06 (13.3%) on consensus $0.45; revenue $23.6M vs consensus $18.8M; buyback authorization up to 400K shares (~$8.5M at current price)

epsrevenuenetInterestMarginshareBuyback

Risk Factors

Sequential decline in net income from $4.7M to $4.0M
Noninterest expense growth outpacing revenue growth
Increased provision for credit losses ($279K vs $42K a year ago)
Interest rate sensitivity and potential policy-driven margin compression

Market Snapshot

Exchange

Nasdaq

Sector

State Commercial Banks

Analyst Consensus

0% bullish (8 analysts)

Documents Analyzed

This report is based on 1 press release from GlobeNewswire.

Document	Accession Number
PRESS-RELEASE Data (Synthetic)	press-3283145

3 reports for EBMT

T+1T+5T+20T+60

Track record builds as more directional reports settle.

Filters

Reports for EBMT — sortable, filterable
	Type				Now
May 4, 2026 5w ago	8-K NEUTRAL ★ 3/10	$22.37 $21.85	▼ −2.32%	▼ −7.97%	$23.59 (+5.45%)
Apr 28, 2026 6w ago	8-K BULLISH ★ 6/10	$22.76 $22.34	▼ −1.85%	▼ −7.31%	$23.59 (+3.65%)
Apr 28, 2026 6w ago	Press Release BULLISH ★ 6/10	$22.76 $22.34	▼ −1.85%	▼ −7.31%	$23.59 (+3.65%)

US Market Status

Market Closed — Opens Mon (49h 40m)

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