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.
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- 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.
- 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.

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.
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.
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.

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.







