Eagle Bancorp Montana (EBMT) Cash Flow: Operating & Free Cash Flow

Eagle Bancorp Montana (EBMT) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), Eagle Bancorp Montana generated $33.13M of operating cash flow and spent $4.78M on capital expenditures. That left free cash flow of $28.34M, up 96.0% from $14.46M a year earlier, or 31.4% of revenue. It returned $6.15M to shareholders through $4.58M in dividends and $1.57M in share buybacks.

Eagle Bancorp Montana Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Eagle Bancorp Montana, Inc. (EBMT) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	14.84	9.78	10.06	10.70	14.42	21.21	10.87	4.98	4.10
Depreciation & Amortization	8.93	8.89	7.89	9.20	9.09	7.09	4.71	3.19	2.48
Deferred Income Tax	-0.57	-0.53	-0.67	2.07	1.03	-1.19	0.74	0.88	0.20
Stock Based Compensation	1.09	0.87	0.68	0.98	1.03	0.69	0.72	0.60	0.57
Change in Working Capital	4.30	14.17	-4.54	0.80	2.78	-0.20	-0.38	10.28	19.64
Change in Accounts Receivable	-1.56	-0.41	-1.20	-2.78	0.01	-0.18	0.16	-0.22	-0.43
Change in Other Working Capital	10.53	14.58	4.60	0.01	3.90	-0.02	-0.53	0.54	20.07
Other Operating Activities	10.53	-4.64	4.60	-17.94	-46.60	-25.49	-16.30	-0.43	-0.36
Net Cash from Operating Activities	33.13	28.54	9.35	41.91	56.45	2.12	0.37	13.57	20.05
Investing Activities
Capital Expenditures	-4.78	-14.08	-14.19	-16.76	-12.22	-20.64	-10.54	-7.06	-3.54
Acquisitions	0.00	0.00	0.00	13.40	-97.29	5.04	6.90	-4.24	-49.71
Purchases of Investments	-7.04	-10.98	-28.13	-77.07	-132.18	-47.72	-51.46	-45.97	-24.37
Sales/Maturities of Investments	27.12	35.27	66.72	82.95	16.25	64.44	71.67	63.23	20.60
Other Investing Activities	-0.37	-38.00	2.24	-1.07	-7.85	-23.15	-76.27	-56.87	0.22
Net Cash from Investing Activities	21.96	-27.80	-108.21	-235.04	-232.92	-22.04	-59.70	-50.92	-56.79
Financing Activities
Debt Repayment	-120.00	-34.81	106.34	-10.00	-12.07	-23.78	-13.01	19.25	10.56
Common Stock Issued	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	20.16
Common Stock Repurchased	-1.57	-0.42	-0.23	-4.43	-6.28	-0.99	-1.21	0.00	0.00
Dividends Paid	-4.58	-4.54	-4.44	-4.06	-3.02	-2.62	-2.41	-2.00	-1.40
Other Financing Activities	67.46	46.03	-0.08	-1.16	189.47	92.18	89.68	23.86	27.71
Net Cash from Financing Activities	-23.69	6.27	101.59	153.51	168.10	64.80	73.05	41.12	36.86
Summary
Net Change in Cash	31.40	7.01	2.73	-39.62	-8.37	44.88	13.72	3.76	0.12
Cash at Beginning of Period	31.56	24.55	21.81	61.43	69.80	24.92	11.20	7.44	7.32
Cash at End of Period	62.96	31.56	24.55	21.81	61.43	69.80	24.92	11.20	7.44
Free Cash Flow	28.35	14.46	-4.84	25.15	44.24	-18.52	-10.18	6.51	16.52
Supplemental Disclosures
Interest Paid	-	37.91	24.82	4.95	3.47	-	-	-	-
Income Taxes Paid	-	0.55	3.01	2.93	4.44	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Eagle Bancorp Montana Cash Flow

What is Eagle Bancorp Montana's free cash flow?

Eagle Bancorp Montana generated free cash flow of $28.34M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $33.13M minus $4.78M of capital expenditures. That was up 96.0% from $14.46M a year earlier. Free cash flow equaled 31.4% of revenue.

How much does Eagle Bancorp Montana spend on capital expenditures?

Eagle Bancorp Montana spent $4.78M on capital expenditures in fiscal 2025, compared with $14.08M a year earlier. That equals 14.4% of operating cash flow.

Does Eagle Bancorp Montana pay dividends or buy back shares?

Yes. In fiscal 2025 Eagle Bancorp Montana returned $4.58M in dividends and $1.57M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition