Eagle Bancorp Montana (EBMT)
Market Price (4/29/2026): $22.15 | Market Cap: $172.9 MilSector: Financials | Industry: Regional Banks
Eagle Bancorp Montana (EBMT)
Market Price (4/29/2026): $22.15Market Cap: $172.9 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.3%, FCF Yield is 16% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -140% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 37%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 31% Low stock price volatilityVol 12M is 22% Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and Digital & Alternative Assets. Themes include Online Banking & Lending, and Private Credit. | Key risksEBMT key risks include [1] a material weakness in its internal financial reporting controls and [2] declining revenue projections. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.3%, FCF Yield is 16% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -140% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 37%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 31% |
| Low stock price volatilityVol 12M is 22% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and Digital & Alternative Assets. Themes include Online Banking & Lending, and Private Credit. |
| Key risksEBMT key risks include [1] a material weakness in its internal financial reporting controls and [2] declining revenue projections. |
Qualitative Assessment
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Eagle Bancorp Montana (EBMT) stock has gained about 10% since 12/31/2025 because of the following key factors:
1. Eagle Bancorp Montana significantly surpassed analyst expectations in its Fourth Quarter 2025 earnings report. The company announced on January 27, 2026, an EPS of $0.60, beating the consensus estimate of $0.47 by $0.13. Quarterly revenue also exceeded forecasts, reaching $24.29 million against an $18.89 million consensus.
2. The company showcased strong overall financial performance for the full year 2025 and outlined strategic growth initiatives. Eagle Bancorp Montana reported a net income of $14.8 million for 2025, representing a 51.72% increase year-over-year, with revenue climbing to $90.39 million, a 12.01% increase. The bank's strategy focuses on continued loan diversification into commercial and agricultural segments, growth in lower-cost core deposits, and disciplined expansion through selective acquisitions.
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1. Eagle Bancorp Montana significantly surpassed analyst expectations in its Fourth Quarter 2025 earnings report. The company announced on January 27, 2026, an EPS of $0.60, beating the consensus estimate of $0.47 by $0.13. Quarterly revenue also exceeded forecasts, reaching $24.29 million against an $18.89 million consensus.
2. The company showcased strong overall financial performance for the full year 2025 and outlined strategic growth initiatives. Eagle Bancorp Montana reported a net income of $14.8 million for 2025, representing a 51.72% increase year-over-year, with revenue climbing to $90.39 million, a 12.01% increase. The bank's strategy focuses on continued loan diversification into commercial and agricultural segments, growth in lower-cost core deposits, and disciplined expansion through selective acquisitions.
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Stock Movement Drivers
Fundamental Drivers
The 11.8% change in EBMT stock from 12/31/2025 to 4/28/2026 was primarily driven by a 5.9% change in the company's Net Income Margin (%).| (LTM values as of) | 12312025 | 4282026 | Change |
|---|---|---|---|
| Stock Price ($) | 19.77 | 22.10 | 11.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 87 | 90 | 3.5% |
| Net Income Margin (%) | 15.5% | 16.5% | 5.9% |
| P/E Multiple | 11.4 | 11.6 | 2.2% |
| Shares Outstanding (Mil) | 8 | 8 | -0.1% |
| Cumulative Contribution | 11.8% |
Market Drivers
12/31/2025 to 4/28/2026| Return | Correlation | |
|---|---|---|
| EBMT | 11.8% | |
| Market (SPY) | 5.2% | 38.1% |
| Sector (XLF) | -4.8% | 46.7% |
Fundamental Drivers
The 29.9% change in EBMT stock from 9/30/2025 to 4/28/2026 was primarily driven by a 10.7% change in the company's P/E Multiple.| (LTM values as of) | 9302025 | 4282026 | Change |
|---|---|---|---|
| Stock Price ($) | 17.01 | 22.10 | 29.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 85 | 90 | 6.7% |
| Net Income Margin (%) | 14.9% | 16.5% | 10.2% |
| P/E Multiple | 10.5 | 11.6 | 10.7% |
| Shares Outstanding (Mil) | 8 | 8 | -0.2% |
| Cumulative Contribution | 29.9% |
Market Drivers
9/30/2025 to 4/28/2026| Return | Correlation | |
|---|---|---|
| EBMT | 29.9% | |
| Market (SPY) | 8.0% | 29.4% |
| Sector (XLF) | -2.9% | 47.1% |
Fundamental Drivers
The 36.1% change in EBMT stock from 3/31/2025 to 4/28/2026 was primarily driven by a 34.0% change in the company's Net Income Margin (%).| (LTM values as of) | 3312025 | 4282026 | Change |
|---|---|---|---|
| Stock Price ($) | 16.23 | 22.10 | 36.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 80 | 90 | 13.2% |
| Net Income Margin (%) | 12.3% | 16.5% | 34.0% |
| P/E Multiple | 13.1 | 11.6 | -10.9% |
| Shares Outstanding (Mil) | 8 | 8 | 0.7% |
| Cumulative Contribution | 36.1% |
Market Drivers
3/31/2025 to 4/28/2026| Return | Correlation | |
|---|---|---|
| EBMT | 36.1% | |
| Market (SPY) | 29.3% | 45.9% |
| Sector (XLF) | 5.7% | 54.5% |
Fundamental Drivers
The 75.8% change in EBMT stock from 3/31/2023 to 4/28/2026 was primarily driven by a 34.9% change in the company's Net Income Margin (%).| (LTM values as of) | 3312023 | 4282026 | Change |
|---|---|---|---|
| Stock Price ($) | 12.57 | 22.10 | 75.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 88 | 90 | 2.7% |
| Net Income Margin (%) | 12.2% | 16.5% | 34.9% |
| P/E Multiple | 9.1 | 11.6 | 27.3% |
| Shares Outstanding (Mil) | 8 | 8 | -0.4% |
| Cumulative Contribution | 75.8% |
Market Drivers
3/31/2023 to 4/28/2026| Return | Correlation | |
|---|---|---|
| EBMT | 75.8% | |
| Market (SPY) | 81.5% | 32.1% |
| Sector (XLF) | 69.3% | 40.6% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| EBMT Return | 10% | -28% | 2% | 1% | 34% | 11% | 23% |
| Peers Return | 31% | -1% | -6% | 13% | 4% | 8% | 56% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 5% | 91% |
Monthly Win Rates [3] | |||||||
| EBMT Win Rate | 67% | 17% | 50% | 58% | 50% | 75% | |
| Peers Win Rate | 67% | 43% | 47% | 52% | 50% | 60% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| EBMT Max Drawdown | -3% | -29% | -26% | -21% | -5% | -2% | |
| Peers Max Drawdown | -3% | -13% | -37% | -18% | -19% | -5% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -7% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: FIBK, GBCI, FRBA, WAFD, BANR.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 4/28/2026 (YTD)
How Low Can It Go
| Event | EBMT | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -55.2% | -25.4% |
| % Gain to Breakeven | 123.1% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -46.1% | -33.9% |
| % Gain to Breakeven | 85.4% | 51.3% |
| Time to Breakeven | 348 days | 148 days |
| 2018 Correction | ||
| % Loss | -28.8% | -19.8% |
| % Gain to Breakeven | 40.5% | 24.7% |
| Time to Breakeven | 141 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -39.1% | -56.8% |
| % Gain to Breakeven | 64.3% | 131.3% |
| Time to Breakeven | 294 days | 1,480 days |
Compare to FIBK, GBCI, FRBA, WAFD, BANR
In The Past
Eagle Bancorp Montana's stock fell -55.2% during the 2022 Inflation Shock from a high on 3/15/2021. A -55.2% loss requires a 123.1% gain to breakeven.
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About Eagle Bancorp Montana (EBMT)
Eagle Bancorp Montana, Inc. operates as the bank holding company for Opportunity Bank of Montana that provides various retail 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 accounts. The company also provides 1-4 family residential mortgage loans, such as residential mortgages and construction of residential properties; commercial real estate loans, including multi-family dwellings, nonresidential property, commercial construction and development, and farmland loans; and second mortgage/home equity loans. In addition, it offers consumer loans, such as loans secured by collateral other than real estate, such as automobiles, recreational vehicles, and boats; personal loans and lines of credit; commercial business loans consisting of business loans and lines of credit on a secured and unsecured basis; construction loans; agricultural loans; and mortgage loan services. The company operates 23 full-service branches, 1 community banking office, and 25 automated teller machines. Eagle Bancorp Montana, Inc. was founded in 1922 and is headquartered in Helena, Montana.
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1. A regional bank like a Montana-specific U.S. Bank.
2. The full-service community bank for Montana, similar to a local version of PNC.
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- Deposit Accounts: A variety of accounts for individuals and businesses, including checking, savings, money market, IRAs, and certificates of deposit.
- Residential Mortgage Loans: Financing for the purchase or construction of 1-4 family residential properties.
- Commercial Real Estate Loans: Loans for multi-family dwellings, nonresidential properties, commercial construction, and farmland.
- Home Equity Loans: Loans secured by the equity in a borrower's home.
- Consumer Loans: Personal loans secured by collateral like vehicles, boats, or general lines of credit.
- Commercial Business Loans: Secured and unsecured loans and lines of credit for small businesses.
- Agricultural Loans: Specific loans designed to support farming and agricultural operations.
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Eagle Bancorp Montana (EBMT) operates as a bank holding company, and as such, its customers are primarily individuals and businesses who utilize its banking products and services rather than a limited number of "major customers" in the traditional sense of a goods or service provider selling to other companies. Therefore, its customers can be categorized as follows:
- Individual Retail Customers: This category includes individuals and families in Montana seeking personal banking services. This covers a wide range of offerings such as checking, savings, money market, and individual retirement accounts, certificates of deposit, 1-4 family residential mortgages, second mortgage/home equity loans, and various consumer loans (e.g., for automobiles, recreational vehicles, boats, and personal loans/lines of credit).
- Commercial & Small Business Customers: This segment comprises small businesses, entrepreneurs, and commercial entities within Montana. They utilize commercial deposit products, commercial real estate loans (including for multi-family dwellings, nonresidential properties, and commercial construction and development), and commercial business loans and lines of credit.
- Agricultural & Rural Customers: Given its operations in Montana, the bank serves farmers, ranchers, and agricultural businesses. These customers require specialized banking services including farmland loans and agricultural loans, which are distinct from general commercial business lending due to the unique nature of the agricultural sector.
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- Fiserv, Inc. (FI)
- U.S. Bancorp (USB)
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Laura Clark, President & Chief Executive Officer
Laura Clark is the President and CEO of Opportunity Bank of Montana, a subsidiary of Eagle Bancorp Montana. She joined Opportunity Bank in 2014, serving as CFO and COO before being promoted to President in 2022 and CEO in 2023. Clark also serves as a Director for the Federal Reserve Bank of Minneapolis, representing Ninth District member banks. Her community involvement includes serving on the boards of the Montana Independent Bankers Association and Exploration Works, Helena Rotary, and the Independent Community Bankers Association (ICBA) Legislative Committee. She holds a bachelor's degree in business administration from Montana State University – Billings.
Miranda J. Spaulding, Senior Vice President & Chief Financial Officer
Miranda J. Spaulding, a Certified Public Accountant (CPA), currently serves as Senior Vice President and Chief Financial Officer. She joined the bank in 2013, was promoted to Vice President in 2018, and previously held the role of the Bank's Corporate Financial Director. Spaulding brings over 20 years of experience in financial reporting for public companies. She earned a Bachelor of Science degree in Business and a Master of Professional Accountancy degree from Montana State University and is a member of the Montana Society of CPAs and the American Institute of CPAs.
Darryl Rensmon, Senior Vice President & Chief Operating Officer
Darryl Rensmon joined Eagle in September 2016 as Vice President/Chief Information Officer. He was promoted to Senior Vice President in October 2017 and subsequently to Senior Vice President/Chief Operating Officer in October 2022. Effective March 10, 2026, Rensmon will also assume Chief Lending Officer responsibilities on an interim basis.
Dale F. Field, Senior Vice President & Chief Credit Administration Officer
Dale F. Field joined Eagle in 2001 as a Vice President/Commercial Lender. He was promoted to Vice President/Chief Credit Administration Officer in 2011.
Karen Chilton, Vice President & Branch Administrator
Karen Chilton joined Opportunity Bank in September 2014 as Branch Administrator and was promoted to Vice President in 2018. Before joining the Bank, she served as Vice President of Retail Operations at a different Montana community bank since 2003 and also held several positions at a regional bank. Chilton graduated from the University of Montana with a Bachelor of Science degree in Business Administration.
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Here are the key risks to the business of Eagle Bancorp Montana (EBMT):- Interest Rate Sensitivity: Eagle Bancorp Montana's financial condition and operational results are significantly affected by changes in interest rates. A rise in funding costs that outpaces the repricing of its loan portfolio can erode its Net Interest Income (NII). Conversely, decreases in interest rates can lead to increased prepayments of loans as borrowers refinance, exposing the bank to reinvestment risk if new investments yield lower rates. Changes in interest rates can also influence loan demand.
- ESG and Climate-Related Risks: The company faces increasing environmental, social, and governance (ESG) and climate-related risks. These include growing external pressure to enhance ESG practices, regulatory pressures, and potentially rising operational costs due to conflicting stakeholder expectations and new regulations. Climate-related regulatory measures, such as emission taxes or mandated operational changes, could necessitate substantial capital investments and higher ongoing expenses. Furthermore, physical climate risks, like severe weather, may negatively impact collateral values and regional economies, thereby affecting the bank's loan portfolio performance.
- Credit Risk and Adverse Economic/Market Conditions: Unfavorable economic and market conditions can lead to a deterioration in the credit quality of Eagle Bancorp Montana's borrowers. This can result in an increase in loan delinquencies, defaults, and charge-offs, requiring additional provisions for credit losses and adversely impacting the overall quality of its loan portfolio. Declines in home values could also decrease loan originations and exacerbate delinquencies and defaults. A slowdown in lending activity, as indicated by a decrease in the total loan portfolio, signals softening demand for new loans and poses a headwind for future net interest income.
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- The proliferation of digital-only banks (neobanks and challenger banks) that offer competitive rates, lower fees, and superior digital user experiences without the overhead of physical branches. These entities can attract customers who prioritize convenience and technology, directly challenging Eagle Bancorp Montana's deposit base and retail banking services.
- The rise of specialized online lenders and mortgage providers that offer streamlined, digital-first application processes for various loans (e.g., residential mortgages, consumer loans, small business loans). Their speed, convenience, and potentially competitive rates can draw customers away from traditional bank lending channels, eroding Eagle Bancorp Montana's loan origination market share.
- Increasing entry of large technology companies (e.g., Apple, Google, Amazon) into financial services, offering integrated payment solutions, credit, and consumer lending products. These companies leverage their vast user bases and data to provide highly convenient financial services, potentially disintermediating traditional banks from certain customer segments and revenue streams.
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Eagle Bancorp Montana (EBMT) operates in the state of Montana, and its addressable markets for key products and services can be sized within this region. Here are the addressable market sizes for Eagle Bancorp Montana's main products and services in Montana: * **Deposit Products (checking, savings, money market, individual retirement accounts, certificates of deposit):** The total deposits in all banks in Montana were approximately $35.5 billion in 2024. * **Residential Mortgage Loans (1-4 family residential mortgages, including construction of residential properties):** New home loans booked in Montana totaled $2.9 billion in 2024. The median sale price of a home in Montana was $599,000 as of January 2026. * **Commercial Business Loans:** Outstanding small business loans in Montana were estimated at $3.35 billion in 2023. * **Agricultural Loans:** Outstanding small farm loans in Montana were estimated at $1.44 billion in 2023. Market size information for second mortgage/home equity loans, and general consumer loans (such as for automobiles, recreational vehicles, boats, and personal lines of credit), as standalone markets for Montana, was not available in the provided search results. Similarly, a specific aggregate market size for all commercial real estate loans in Montana was not found.AI Analysis | Feedback
Eagle Bancorp Montana (EBMT) is expected to drive future revenue growth over the next 2-3 years through several key initiatives and market dynamics: * Expansion of Net Interest Margin (NIM): The company anticipates further improvement in its net interest margin, particularly if interest rates continue to decline. This is expected to lead to easing deposit costs, which directly enhances interest income, a primary component of the bank's revenue. * Growth in Non-Interest Income: Recent performance indicates that stronger fee income has been a significant contributor to earnings, suggesting continued focus on increasing non-interest revenue streams. * Diversified Loan Portfolio Growth: Eagle Bancorp Montana's diversified loan portfolio, which includes commercial real estate, agricultural, and residential mortgage loans, positions the bank to expand its lending activities. An increase in total loans, like the reported $1.52 billion as of December 31, 2025, directly generates more interest income. * Strategic Penetration of Montana Markets: Leveraging its strong core deposit base and local expertise, the company is poised to capitalize on opportunities across its Montana markets. This includes deepening customer relationships and expanding its market presence within its operating region. * Growth in Core Deposits: An increase in total deposits, such as the 6.0% year-over-year growth to $1.78 billion, provides a stable and lower-cost funding source for lending activities. This growth in the deposit base supports an expanded loan portfolio and improved net interest margin, indirectly fueling revenue growth.AI Analysis | Feedback
Share Repurchases
- Eagle Bancorp Montana renewed its stock repurchase plan in April 2023.
Share Issuance
- In April 2022, Eagle Bancorp Montana issued approximately 1,396,596 shares of common stock as part of the acquisition of First Community Bancorp, Inc.
- The value of the common stock issued for this acquisition was approximately $28.35 million.
Outbound Investments
- In April 2022, Eagle Bancorp Montana completed the acquisition of First Community Bancorp, Inc. for a total consideration of approximately $38.6 million.
- This acquisition included $10.23 million in cash consideration and expanded the company's presence by acquiring nine retail bank branches and two loan production offices in Montana.
Capital Expenditures
- In the fourth quarter of 2025, Eagle Bancorp Montana invested $934K in capital expenditures.
- These capital expenditures were primarily focused on funding long-term assets and infrastructure.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| Is Eagle Bancorp Montana Stock Built to Withstand a Pullback? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 35.63 |
| Mkt Cap | 2.5 |
| Rev LTM | 699 |
| Op Inc LTM | - |
| FCF LTM | 232 |
| FCF 3Y Avg | 263 |
| CFO LTM | 253 |
| CFO 3Y Avg | 282 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 10.8% |
| Rev Chg 3Y Avg | 1.8% |
| Rev Chg Q | 14.1% |
| QoQ Delta Rev Chg LTM | 3.4% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 37.0% |
| CFO/Rev 3Y Avg | 41.9% |
| FCF/Rev LTM | 33.0% |
| FCF/Rev 3Y Avg | 38.1% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 2.5 |
| P/S | 3.5 |
| P/Op Inc | - |
| P/EBIT | - |
| P/E | 11.7 |
| P/CFO | 10.0 |
| Total Yield | 11.7% |
| Dividend Yield | 2.7% |
| FCF Yield 3Y Avg | 10.7% |
| D/E | 0.3 |
| Net D/E | -0.4 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 11.0% |
| 3M Rtn | 2.4% |
| 6M Rtn | 15.4% |
| 12M Rtn | 27.5% |
| 3Y Rtn | 66.0% |
| 1M Excs Rtn | -1.1% |
| 3M Excs Rtn | 0.1% |
| 6M Excs Rtn | 10.0% |
| 12M Excs Rtn | -1.5% |
| 3Y Excs Rtn | -17.6% |
Price Behavior
Price Behavior
| Market Price | $22.10 | |
| Market Cap ($ Bil) | 0.2 | |
| First Trading Date | 04/06/2000 | |
| Distance from 52W High | -5.1% | |
| 50 Days | 200 Days | |
| DMA Price | $21.50 | $18.72 |
| DMA Trend | up | indeterminate |
| Distance from DMA | 2.8% | 18.0% |
| 3M | 1YR | |
| Volatility | 22.4% | 22.3% |
| Downside Capture | 0.53 | 0.24 |
| Upside Capture | 81.08 | 63.22 |
| Correlation (SPY) | 39.3% | 33.8% |
EBMT Betas & Captures as of 3/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.70 | 0.59 | 0.72 | 0.47 | 0.57 | 0.54 |
| Up Beta | 1.08 | 0.44 | 0.67 | 0.63 | 0.68 | 0.71 |
| Down Beta | -0.25 | -0.00 | 0.39 | 0.50 | 0.51 | 0.49 |
| Up Capture | 111% | 90% | 114% | 66% | 49% | 21% |
| Bmk +ve Days | 7 | 16 | 27 | 65 | 139 | 424 |
| Stock +ve Days | 10 | 23 | 32 | 71 | 136 | 361 |
| Down Capture | 100% | 78% | 69% | 21% | 52% | 64% |
| Bmk -ve Days | 12 | 23 | 33 | 58 | 110 | 323 |
| Stock -ve Days | 12 | 19 | 30 | 54 | 113 | 355 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with EBMT | |
|---|---|---|---|---|
| EBMT | 33.8% | 22.3% | 1.23 | - |
| Sector ETF (XLF) | 9.7% | 14.7% | 0.41 | 48.8% |
| Equity (SPY) | 31.5% | 12.5% | 1.92 | 33.6% |
| Gold (GLD) | 38.6% | 27.2% | 1.18 | -4.1% |
| Commodities (DBC) | 45.9% | 18.0% | 1.95 | -20.7% |
| Real Estate (VNQ) | 14.4% | 13.4% | 0.75 | 33.2% |
| Bitcoin (BTCUSD) | -19.0% | 42.1% | -0.39 | 9.7% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with EBMT | |
|---|---|---|---|---|
| EBMT | 2.6% | 24.3% | 0.08 | - |
| Sector ETF (XLF) | 10.0% | 18.7% | 0.42 | 29.0% |
| Equity (SPY) | 12.9% | 17.1% | 0.59 | 22.0% |
| Gold (GLD) | 20.2% | 17.8% | 0.92 | 4.6% |
| Commodities (DBC) | 14.8% | 19.1% | 0.63 | 2.2% |
| Real Estate (VNQ) | 3.4% | 18.8% | 0.09 | 19.2% |
| Bitcoin (BTCUSD) | 7.3% | 56.2% | 0.35 | 7.4% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with EBMT | |
|---|---|---|---|---|
| EBMT | 9.1% | 28.4% | 0.35 | - |
| Sector ETF (XLF) | 12.7% | 22.2% | 0.53 | 32.4% |
| Equity (SPY) | 14.9% | 17.9% | 0.71 | 23.7% |
| Gold (GLD) | 13.4% | 15.9% | 0.70 | 1.3% |
| Commodities (DBC) | 9.9% | 17.7% | 0.46 | 8.5% |
| Real Estate (VNQ) | 5.4% | 20.7% | 0.23 | 25.8% |
| Bitcoin (BTCUSD) | 67.8% | 66.9% | 1.07 | 7.1% |
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Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/28/2026 | |||
| 1/27/2026 | 5.3% | 8.9% | 9.9% |
| 10/28/2025 | -1.5% | -1.9% | 1.2% |
| 7/29/2025 | -1.2% | -3.1% | 6.4% |
| 4/29/2025 | 1.7% | 6.6% | -0.0% |
| 1/28/2025 | -0.4% | 0.5% | 20.1% |
| 10/29/2024 | 0.5% | -3.8% | 5.1% |
| 7/23/2024 | -1.3% | 3.4% | -1.5% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 10 | 8 | 13 |
| # Negative | 14 | 16 | 11 |
| Median Positive | 1.4% | 2.5% | 5.3% |
| Median Negative | -1.4% | -2.2% | -1.5% |
| Max Positive | 5.3% | 8.9% | 20.1% |
| Max Negative | -4.9% | -6.1% | -15.7% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 12/31/2025 | 03/09/2026 | 10-K |
| 09/30/2025 | 11/05/2025 | 10-Q |
| 06/30/2025 | 08/07/2025 | 10-Q |
| 03/31/2025 | 05/08/2025 | 10-Q |
| 12/31/2024 | 03/14/2025 | 10-K |
| 09/30/2024 | 11/13/2024 | 10-Q |
| 06/30/2024 | 08/08/2024 | 10-Q |
| 03/31/2024 | 05/08/2024 | 10-Q |
| 12/31/2023 | 03/06/2024 | 10-K |
| 09/30/2023 | 11/09/2023 | 10-Q |
| 06/30/2023 | 08/03/2023 | 10-Q |
| 03/31/2023 | 05/12/2023 | 10-Q |
| 12/31/2022 | 03/08/2023 | 10-K |
| 09/30/2022 | 11/09/2022 | 10-Q |
| 06/30/2022 | 08/04/2022 | 10-Q |
| 03/31/2022 | 05/05/2022 | 10-Q |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Waters, Samuel | Direct | Sell | 2232026 | 22.48 | 2,100 | 47,208 | 708,884 | Form | |
| 2 | McCarvel, Thomas J | Direct | Sell | 2192026 | 22.77 | 1,182 | 26,914 | 848,456 | Form | |
| 3 | Johnson, Peter Joseph | Direct | Sell | 2112026 | 23.11 | 3,355 | 77,536 | 1,051,948 | Form | |
| 4 | Johnson, Peter Joseph | Direct | Sell | 2112026 | 23.06 | 4,192 | 96,660 | 1,126,922 | Form | |
| 5 | Walsh, Kenneth M | Direct | Sell | 2052026 | 22.47 | 10,000 | 224,721 | 2,073,276 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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