Bank's Net Interest Margin Rises to 4.08% in Q4
Net interest margin was 4.08% in the fourth quarter of 2025, a 14-basis point increase compared to 3.94% in the preceding quarter and a 49-basis point increase compared to the fourth quarter a year ago. Book value per share increased to $24.10 at December 31, 2025, compared to $21.77 a year earlier and $23.45 three months earlier. The Bank's Tier 1 capital to adjusted total average assets was 10.62% as of December 31, 2025. "We finished the year on a high note with excellent fourth quarter results that reflect the strength of our franchise," said Laura F. Clark, President and CEO. "Net income and earnings per share grew compared to both the prior quarter and year-over-year, as we benefited from reduced funding costs, resilient asset yields and continued operational efficiency gains. The expansion in our net interest margin during the fourth quarter further strengthens our earnings profile as we look ahead. Our strong core deposit base and diversified loan portfolio position us well to capitalize on opportunities across our Montana markets, and we remain committed to executing our strategy and delivering long term shareholder value."
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Eagle Bancorp Q4 Earnings Exceed Expectations
- Earnings Beat: Eagle Bancorp reported a Q4 GAAP EPS of $0.60, exceeding expectations by $0.15, indicating robust profitability growth for the company.
- Significant Revenue Growth: The company achieved revenues of $24.3 million, a 13.8% year-over-year increase, surpassing expectations by $5.58 million, reflecting strong business expansion and market demand.
- Positive Market Reaction: The earnings beat is likely to drive Eagle Bancorp's stock price upward, enhancing investor confidence and attracting more capital inflows.
- Optimistic Outlook: With improved revenue and profitability, Eagle Bancorp demonstrates strong growth potential in future financial performance, which may further enhance its market position.
Eagle Bancorp Montana Reports 30.3% Increase in Q4 Net Income
- Net Income Growth: In Q4 2025, Eagle Bancorp Montana reported net income of $4.7 million, reflecting a 30.3% increase from the previous quarter, with diluted earnings per share at $0.60, indicating a significant enhancement in profitability and competitive strength in the market.
- Net Interest Margin Expansion: The net interest margin reached 4.08% in Q4, a 14-basis point increase from the prior quarter and a 49-basis point increase year-over-year, demonstrating the company's success in reducing funding costs and stabilizing asset yields, thereby further strengthening its earnings profile.
- Total Deposits Increase: As of December 31, 2025, total deposits rose to $1.78 billion, a 6.0% increase compared to the previous year, indicating the company's success in attracting customer deposits, which enhances its funding base and market position.
- Shareholder Returns: The board declared a quarterly cash dividend of $0.145 per share, payable on March 6, 2026, representing an annualized yield of 2.93%, showcasing the company's commitment to returning value to shareholders and boosting investor confidence.
Eagle Bancorp Montana Reports $3.6 Million Profit, $0.46 per Diluted Share, for Q3 2025 and Announces Quarterly Cash Dividend of $0.145 per Share
Financial Performance: Eagle Bancorp Montana reported a net income of $3.6 million for Q3 2025, an increase from $3.2 million in the previous quarter and $2.7 million in Q3 2024. Year-to-date net income reached $10.1 million, up from $6.3 million in the same period last year.
Dividend Declaration: The board declared a quarterly cash dividend of $0.145 per share, payable on December 5, 2025, reflecting an annualized yield of 3.41% based on recent market prices.
Balance Sheet Highlights: Total assets were $2.12 billion, with total loans increasing to $1.56 billion. Total deposits rose to $1.75 billion, marking a 6.2% increase from the previous year.
Operational Insights: The company maintained a net interest margin of 3.94%, supported by stable funding costs and strong asset yields, while also focusing on enhancing its community banking presence across Montana.
Why Eagle Bancorp Montana, Inc. (EBMT) is a Great Dividend Stock Right Now
Investment Focus: Income investors prioritize generating consistent cash flow through dividends, which significantly contribute to long-term returns, with Eagle Bancorp Montana, Inc. (EBMT) currently offering a dividend yield of 3.4% and a history of increasing dividends.
Future Outlook: EBMT is expected to see earnings growth in the upcoming fiscal year, with a Zacks Consensus Estimate predicting a 38.71% increase, making it an attractive investment opportunity despite the challenges high-yielding stocks face during rising interest rates.
Eagle Bancorp Montana Inc Q2 Profit Rises
Earnings Growth: Eagle Bancorp Montana Inc reported a significant increase in earnings for the second quarter, with net income rising to $3.24 million or $0.41 per share, compared to $1.74 million or $0.22 per share from the previous year.
Revenue Increase: The company's revenue also saw a 5.2% growth, reaching $27.15 million, up from $25.82 million in the same period last year.
Eagle Bancorp Montana Earns $3.2 Million, or $0.41 per Diluted Share, in the Second Quarter of 2025; Increases Quarterly Cash Dividend to $0.145 Per Share
Financial Performance: Eagle Bancorp Montana reported a net income of $3.2 million for Q2 2025, consistent with the previous quarter and significantly up from $1.7 million in Q2 2024. Total deposits increased by 7.4% year-over-year to $1.74 billion, while net interest margin improved to 3.91%.
Dividend Announcement: The company's board declared a quarterly cash dividend of $0.145 per share, payable on September 5, 2025, reflecting an annualized yield of 3.32%. This decision aligns with their strong financial results and ongoing efforts to enhance community banking presence in Montana.
Eagle Bancorp Q4 Earnings Exceed Expectations
- Earnings Beat: Eagle Bancorp reported a Q4 GAAP EPS of $0.60, exceeding expectations by $0.15, indicating robust profitability growth for the company.
- Significant Revenue Growth: The company achieved revenues of $24.3 million, a 13.8% year-over-year increase, surpassing expectations by $5.58 million, reflecting strong business expansion and market demand.
- Positive Market Reaction: The earnings beat is likely to drive Eagle Bancorp's stock price upward, enhancing investor confidence and attracting more capital inflows.
- Optimistic Outlook: With improved revenue and profitability, Eagle Bancorp demonstrates strong growth potential in future financial performance, which may further enhance its market position.
Eagle Bancorp Montana Reports 30.3% Increase in Q4 Net Income
- Net Income Growth: In Q4 2025, Eagle Bancorp Montana reported net income of $4.7 million, reflecting a 30.3% increase from the previous quarter, with diluted earnings per share at $0.60, indicating a significant enhancement in profitability and competitive strength in the market.
- Net Interest Margin Expansion: The net interest margin reached 4.08% in Q4, a 14-basis point increase from the prior quarter and a 49-basis point increase year-over-year, demonstrating the company's success in reducing funding costs and stabilizing asset yields, thereby further strengthening its earnings profile.
- Total Deposits Increase: As of December 31, 2025, total deposits rose to $1.78 billion, a 6.0% increase compared to the previous year, indicating the company's success in attracting customer deposits, which enhances its funding base and market position.
- Shareholder Returns: The board declared a quarterly cash dividend of $0.145 per share, payable on March 6, 2026, representing an annualized yield of 2.93%, showcasing the company's commitment to returning value to shareholders and boosting investor confidence.
Eagle Bancorp Montana Reports $3.6 Million Profit, $0.46 per Diluted Share, for Q3 2025 and Announces Quarterly Cash Dividend of $0.145 per Share
Financial Performance: Eagle Bancorp Montana reported a net income of $3.6 million for Q3 2025, an increase from $3.2 million in the previous quarter and $2.7 million in Q3 2024. Year-to-date net income reached $10.1 million, up from $6.3 million in the same period last year.
Dividend Declaration: The board declared a quarterly cash dividend of $0.145 per share, payable on December 5, 2025, reflecting an annualized yield of 3.41% based on recent market prices.
Balance Sheet Highlights: Total assets were $2.12 billion, with total loans increasing to $1.56 billion. Total deposits rose to $1.75 billion, marking a 6.2% increase from the previous year.
Operational Insights: The company maintained a net interest margin of 3.94%, supported by stable funding costs and strong asset yields, while also focusing on enhancing its community banking presence across Montana.
Why Eagle Bancorp Montana, Inc. (EBMT) is a Great Dividend Stock Right Now
Investment Focus: Income investors prioritize generating consistent cash flow through dividends, which significantly contribute to long-term returns, with Eagle Bancorp Montana, Inc. (EBMT) currently offering a dividend yield of 3.4% and a history of increasing dividends.
Future Outlook: EBMT is expected to see earnings growth in the upcoming fiscal year, with a Zacks Consensus Estimate predicting a 38.71% increase, making it an attractive investment opportunity despite the challenges high-yielding stocks face during rising interest rates.
Eagle Bancorp Montana Inc Q2 Profit Rises
Earnings Growth: Eagle Bancorp Montana Inc reported a significant increase in earnings for the second quarter, with net income rising to $3.24 million or $0.41 per share, compared to $1.74 million or $0.22 per share from the previous year.
Revenue Increase: The company's revenue also saw a 5.2% growth, reaching $27.15 million, up from $25.82 million in the same period last year.
Eagle Bancorp Montana Earns $3.2 Million, or $0.41 per Diluted Share, in the Second Quarter of 2025; Increases Quarterly Cash Dividend to $0.145 Per Share
Financial Performance: Eagle Bancorp Montana reported a net income of $3.2 million for Q2 2025, consistent with the previous quarter and significantly up from $1.7 million in Q2 2024. Total deposits increased by 7.4% year-over-year to $1.74 billion, while net interest margin improved to 3.91%.
Dividend Announcement: The company's board declared a quarterly cash dividend of $0.145 per share, payable on September 5, 2025, reflecting an annualized yield of 3.32%. This decision aligns with their strong financial results and ongoing efforts to enhance community banking presence in Montana.
