EBMT Eagle Bancorp Montana, Inc. - Common Stock
$22.99
Price · Aug 19, 2026
Fundamentals as of Aug 5, 2026
52W Range
$16–$25
81% of range
Analyst Rating
HOLD
8 analysts
Price Target
$25
+9% upside
P/E (TTM)
12.1
ROE
8.0%
Net Profit Margin
16.2%
EBMT Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$22.99
Market Cap
$183M
P/E (TTM)
12.1
EPS (TTM)
$1.90
Revenue (TTM)
—
Div Yield
2.5%
ROE
8.0%
Debt/Equity
—
52W Range
$16 – $25
EBMT Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
—
EPS
$1.90
2016-12-31
→
2025-12-31
Free Cash Flow
$28M
2016-12-31
→
2025-12-31
Margins
16.2%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
EBMT
Peer Median
P/E (TTM)
12.1
15.2
P/S (TTM)
2.0
1.8
P/B
1.0
1.0
Price / FCF
6.5
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
EBMT
Peer Median
Net Profit Margin
16.2%
23.8%
ROA
0.70%
0.74%
ROE
8.0%
5.9%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
EBMT
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
EBMT
Peer Median
Revenue YoY
12.8%
—
Revenue CAGR 3Y
0.75%
—
Revenue CAGR 5Y
-0.15%
—
EPS YoY
53.2%
—
Net Income YoY
51.7%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
EBMT
Peer Median
Payout Ratio
30.9%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
2.5%
Payout Ratio
30.9%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| May 15, 2026 | $0.1450 |
| Feb. 13, 2026 | $0.1450 |
| Nov. 14, 2025 | $0.1450 |
| Aug. 15, 2025 | $0.1450 |
| May 16, 2025 | $0.1430 |
| Feb. 14, 2025 | $0.1430 |
| Nov. 15, 2024 | $0.1430 |
| Aug. 16, 2024 | $0.1430 |
| May 16, 2024 | $0.1400 |
| Feb. 8, 2024 | $0.1400 |
| Nov. 9, 2023 | $0.1400 |
| Aug. 10, 2023 | $0.1400 |
| May 11, 2023 | $0.1380 |
| Feb. 9, 2023 | $0.1380 |
| Nov. 9, 2022 | $0.1380 |
| Aug. 11, 2022 | $0.1380 |
| May 12, 2022 | $0.1250 |
| Feb. 10, 2022 | $0.1250 |
| Nov. 10, 2021 | $0.1250 |
| Aug. 12, 2021 | $0.1250 |
EBMT Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
SELL
8 analysts
- Strong Buy 0 0.0%
- Buy 0 0.0%
- Hold 5 62.5%
- Sell 1 12.5%
- Strong Sell 2 25.0%
12-Month Price Target
3 analysts · 2026-08-14
Median
$25.00
← Below all targets
$22.99
Low
$24.00
High
$26.00
Median target
$25.00
+8.7%
Mean target
$25.00
+8.7%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
0.02%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $0.47 | $0.50 | -0.03% |
| March 31, 2026 | $0.51 | $0.47 | 0.04% |
| Dec. 31, 2025 | $0.60 | $0.49 | 0.11% |
| Sept. 30, 2025 | $0.46 | $0.49 | -0.03% |
| June 30, 2025 | $0.41 | $0.43 | -0.02% |
| March 31, 2025 | $0.41 | $0.32 | 0.09% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| EBMT | $158M | 10.5 | 12.8% | 16.2% | 8.0% | — |
| FNWD | $152M | 18.7 | -7.1% | 12.2% | 4.9% | — |
| BVFL | $161M | 12.7 | 5.1% | 34.1% | 7.1% | — |
| ECBK | $153M | 18.5 | 3.6% | 1299.7% | 4.6% | — |
| MNSB | $153M | 11.6 | -1.6% | 11.5% | 7.2% | 54.2% |
| BAFN | — | -1.2 | -34.3% | -39.0% | — | — |
| COSO | — | 10.8 | 6.4% | 1254.0% | 10.6% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 9
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $29M | $6M | $3M | $6M | $8M | $5M | $4M | $3M | $2M | · | |
| Interest Income | $108M | $104M | $92M | $69M | $50M | $50M | $47M | $35M | $28M | $24M | $20M | · | |
| Pretax Income | $19M | $11M | $12M | $14M | $19M | $28M | $14M | $6M | $6M | $7M | $3M | · | |
| Income Tax | $4M | $2M | $2M | $3M | $5M | $7M | $3M | $914.0K | $2M | $2M | $163.0K | · | |
| Net Income | $15M | $10M | $10M | $11M | $14M | $21M | $11M | $5M | $4M | $5M | $3M | · | |
| EPS (Basic) | $1.90 | $1.25 | $1.29 | $1.45 | $2.17 | $3.12 | $1.69 | $0.92 | $1.01 | $1.36 | $0.68 | · | |
| EPS (Diluted) | $1.90 | $1.24 | $1.29 | $1.45 | $2.17 | $3.11 | $1.69 | $0.91 | $0.99 | $1.32 | $0.67 | · | |
| Shares (Basic) | 7,801,902 | 7,838,822 | 7,793,352 | 7,376,275 | 6,653,935 | 6,795,503 | 6,419,654 | 5,426,605 | 4,074,231 | 3,784,788 | 3,813,090 | · | |
| Shares (Diluted) | 7,823,909 | 7,853,792 | 7,798,243 | 7,386,253 | 6,655,735 | 6,820,306 | 6,437,604 | 5,490,347 | 4,132,590 | 3,873,589 | 3,859,625 | · |
Balance Sheet 18
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $63M | $32M | $25M | $22M | $61M | $70M | $25M | $11M | $7M | $7M | $7M | $13M | |
| PP&E (Net) | $101M | $102M | $94M | $84M | $67M | $59M | $40M | $29M | $22M | $19M | $18M | $20M | |
| PP&E (Gross) | · | $133M | $120M | $105M | $84M | $75M | $53M | $43M | $35M | $31M | $29M | $30M | |
| Accum. Depreciation | $38M | $33M | $28M | $24M | $21M | $18M | $15M | $14M | $13M | $12M | $11M | $10M | |
| Goodwill | $35M | $35M | $35M | $35M | $21M | $21M | $16M | $12M | $7M | $7M | $7M | $7M | |
| Intangibles | $3M | $4M | $6M | $7M | $2M | $2M | $3M | $1M | $273.0K | $384.0K | $514.0K | $663.0K | |
| Total Assets | $2.11B | $2.10B | $2.08B | $1.95B | $1.44B | $1.26B | $1.05B | $854M | $717M | $674M | $630M | $560M | |
| Deferred Tax | · | · | · | $0 | $648.0K | $457.0K | $492.0K | · | · | · | · | · | |
| Total Liabilities | $1.91B | $1.93B | $1.91B | $1.79B | $1.28B | $1.10B | $933M | $759M | $633M | $614M | $575M | $506M | |
| Long-term Debt | $44M | $59M | $59M | $59M | $30M | $30M | $25M | $25M | $25M | $15M | · | · | |
| Common Stock | $85.0K | $85.0K | $85.0K | $85.0K | $71.0K | $71.0K | $67.0K | $57.0K | $53.0K | $41.0K | $41.0K | $41.0K | |
| Paid-in Capital | $108M | $108M | · | · | · | · | · | · | · | · | · | · | |
| Retained Earnings | $112M | $101M | $96M | $92M | $85M | $74M | $55M | $47M | $44M | $41M | $37M | $36M | |
| Treasury Stock | $12M | $11M | $11M | $11M | $7M | $4M | $4M | $3M | $3M | $3M | $3M | $2M | |
| AOCI | $-13M | $-20M | $-20M | $-26M | $3M | $6M | $1M | $-1M | $313.0K | $-411.0K | $252.0K | $-215.0K | |
| Stockholders' Equity | $192M | $175M | $169M | $158M | $157M | $153M | $122M | $95M | $84M | $59M | $55M | $54M | |
| Liabilities + Equity | $2.11B | $2.10B | $2.08B | $1.95B | $1.44B | $1.26B | $1.05B | $854M | $717M | $674M | $630M | $560M | |
| Shares Outstanding | 7,957,769 | 8,027,177 | 8,016,784 | 8,006,033 | 6,794,811 | 6,775,447 | 6,423,033 | 5,477,652 | 5,013,678,000 | 3,811,409 | 3,779,464 | 3,878,781 |
Cash Flow 16
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Deferred Tax | $-574.0K | $-529.0K | $-671.0K | $2M | $1M | $-1M | $739.0K | $880.0K | $202.0K | $-20.0K | $-344.0K | · | |
| Amort. of Intangibles | $1M | $1M | $2M | $1M | $573.0K | $659.0K | $812.0K | $700.0K | $426.0K | $445.0K | $432.0K | · | |
| Operating Cash Flow | $33M | $29M | $9M | $42M | $56M | $2M | $366.0K | $14M | $20M | $13M | $5M | · | |
| CapEx | $5M | $14M | $14M | $17M | $12M | $21M | $11M | $7M | $4M | $2M | $630.0K | · | |
| Investing Cash Flow | $22M | $-28M | $-108M | $-235M | $-233M | $-22M | $-60M | $-51M | $-57M | $-51M | · | · | |
| Debt Issued | · | · | · | · | · | · | · | · | $10M | · | · | · | |
| Net Debt Issued | · | · | · | · | · | · | · | · | $10M | · | · | · | |
| Stock Issued | · | · | · | · | · | · | · | · | $20M | · | · | · | |
| Stock Repurchased | $2M | $419.0K | $231.0K | $4M | $6M | $987.0K | $1M | · | · | · | $1M | · | |
| Net Stock Activity | $-2M | $-419.0K | $-231.0K | $-4M | $-6M | $-987.0K | $-1M | · | $20M | · | $-1M | · | |
| Dividends Paid | $5M | $5M | $4M | $4M | $3M | $3M | $2M | $2M | $1M | $1M | $1M | · | |
| Financing Cash Flow | $-24M | $6M | $102M | $154M | $168M | $65M | $73M | $41M | $37M | $38M | · | · | |
| Net Change in Cash | $31M | $7M | $3M | $-40M | $-8M | $45M | $14M | $4M | $119.0K | $-120.0K | $-5M | · | |
| Taxes Paid | $3M | $549.0K | · | · | · | · | · | · | · | · | · | · | |
| Free Cash Flow | $28M | $14M | $-5M | $25M | $44M | $-19M | $-10M | $7M | $17M | $11M | $4M | · | |
| Levered FCF | · | · | $-30M | $20M | $42M | $-23M | $-16M | $2M | $14M | $8M | $2M | · |
Profitability 4
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 16.2% | 12.0% | 11.8% | 11.9% | 15.3% | 23.0% | 17.4% | 11.6% | 10.8% | 14.0% | 8.7% | · | |
| Pretax Margin | 20.6% | 14.0% | 13.7% | 15.5% | 20.4% | 30.8% | 22.3% | 13.7% | 16.4% | 18.8% | 9.2% | · | |
| ROA | 0.70% | 0.47% | 0.50% | 0.63% | 1.1% | 1.8% | 1.1% | 0.63% | 0.59% | 0.78% | 0.43% | · | |
| ROE | 8.0% | 5.5% | 6.2% | 6.9% | 9.2% | 14.1% | 9.0% | 5.3% | 5.6% | 8.6% | 4.7% | · |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | · |
Growth Rates 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 12.8% | -4.7% | -4.8% | -3.4% | 0.53% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 0.75% | -4.3% | -2.6% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | -0.15% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 53.2% | -3.9% | -11.0% | -33.2% | -30.2% | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | 9.4% | -17.0% | -25.4% | · | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | -9.4% | · | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 51.7% | -2.8% | -6.0% | -25.8% | -32.0% | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | 11.5% | -12.1% | -22.0% | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | -6.9% | · | · | · | · | · | · | · | · | · | · | · | |
| Dividend CAGR 5Y | 11.8% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM) 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $92M | $81M | $85M | $90M | $93M | $92M | $63M | $42M | $38M | $37M | $30M | · | |
| Net Income TTM | $15M | $10M | $10M | $11M | $14M | $21M | $11M | $5M | $4M | $5M | $3M | · | |
| Market Cap | $158M | $123M | $127M | $129M | $156M | $144M | $137M | $90.38B | $105M | $80M | $47M | · | |
| P/E | 10.5 | 12.4 | 12.2 | 11.1 | 10.6 | 6.8 | 12.7 | 18.1 | 21.2 | 16.0 | 18.4 | · | |
| P/S | 1.7 | 1.5 | 1.5 | 1.4 | 1.7 | 1.6 | 2.2 | 2159.0 | 2.8 | 2.2 | 1.6 | · | |
| P/B | 0.8 | 0.7 | 0.7 | 0.8 | 1.0 | 0.9 | 1.1 | 953.3 | 1.3 | 1.4 | 0.8 | · | |
| P / Tangible Book | 1.0 | 0.9 | 1.0 | 1.1 | 1.2 | 1.1 | · | · | · | · | · | · | |
| P / Cash Flow | 4.8 | 4.3 | 13.5 | 3.1 | 2.8 | 67.9 | 375.4 | 6659.9 | 5.2 | 6.2 | 9.6 | · | |
| P / FCF | 5.6 | 8.5 | -26.1 | 5.1 | 3.5 | -7.8 | -13.5 | 13885.6 | 6.4 | 7.6 | 11.0 | · | |
| Dividend Yield | 2.9% | 3.7% | 3.5% | 3.1% | 1.9% | 1.8% | 1.8% | 0.00% | 1.3% | 1.5% | 2.5% | · | |
| Earnings Yield | 9.6% | 8.1% | 8.2% | 9.0% | 9.4% | 14.7% | 7.9% | 5.5% | 4.7% | 6.3% | 5.4% | · | |
| Payout Ratio | 30.9% | 46.4% | 44.2% | 38.0% | 20.9% | 12.3% | 22.1% | 40.0% | 34.2% | 23.2% | 45.1% | · | |
| Annual Payout | $5M | $5M | $4M | $4M | $3M | $3M | $2M | $2M | $1M | $1M | $1M | · |
Income Statement 9
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $10M | · | $9M | $7M | $4M | $3M | $1M | |
| Interest Income | $27M | $26M | $27M | $28M | $27M | $26M | $27M | $27M | $26M | $25M | $25M | $24M | $22M | $21M | $20M | $19M | |
| Pretax Income | $5M | $5M | $6M | $5M | $4M | $4M | $4M | $3M | $2M | $2M | $2M | $3M | $2M | $4M | $4M | $4M | |
| Income Tax | $1M | $1M | $1M | $1M | $751.0K | $631.0K | $269.0K | $529.0K | $444.0K | $370.0K | $-315.0K | $524.0K | $344.0K | $1M | $787.0K | $1M | |
| Net Income | $4M | $4M | $5M | $4M | $3M | $3M | $3M | $3M | $2M | $2M | $2M | $3M | $2M | $3M | $4M | $3M | |
| EPS (Basic) | $0.47 | $0.51 | $0.60 | $0.47 | $0.42 | $0.41 | $0.44 | $0.35 | $0.22 | $0.24 | $0.27 | $0.34 | $0.26 | $0.42 | $0.47 | $0.40 | |
| EPS (Diluted) | $0.47 | $0.51 | $0.62 | $0.46 | $0.41 | $0.41 | $0.44 | $0.34 | $0.22 | $0.24 | $0.27 | $0.34 | $0.26 | $0.42 | $0.47 | $0.40 | |
| Shares (Basic) | 7,827,552 | 7,818,831 | -15,597,970 | 7,796,304 | 7,791,320 | 7,812,248 | -15,653,952 | 7,836,921 | 7,830,925 | 7,824,928 | -15,570,674 | 7,784,279 | 7,789,559 | 7,790,188 | -14,334,139 | 7,793,485 | |
| Shares (Diluted) | 7,862,465 | 7,844,457 | -15,640,953 | 7,828,570 | 7,812,656 | 7,823,636 | -15,686,922 | 7,860,138 | 7,845,272 | 7,835,304 | -15,579,600 | 7,791,966 | 7,793,410 | 7,792,467 | -14,362,666 | 7,808,050 |
Balance Sheet 17
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $29M | $54M | $63M | $30M | $27M | $23M | $32M | $42M | $24M | $21M | $25M | $21M | $23M | $19M | $22M | $25M | |
| PP&E (Net) | $100M | $101M | $101M | $102M | $101M | $102M | $102M | $100M | $98M | $98M | $94M | $93M | $89M | $87M | $84M | $79M | |
| PP&E (Gross) | · | · | · | · | · | · | · | · | · | · | $120M | · | · | · | $105M | · | |
| Accum. Depreciation | · | · | $38M | · | · | · | $33M | · | · | · | $28M | · | · | · | $24M | · | |
| Goodwill | $35M | $35M | $35M | $35M | $35M | $35M | $35M | $35M | $35M | $35M | $35M | $35M | $35M | $35M | $35M | $35M | |
| Intangibles | $3M | $3M | $3M | $4M | $4M | $4M | $4M | $5M | $5M | $6M | $6M | $6M | $7M | $7M | $7M | $8M | |
| Total Assets | $2.13B | $2.09B | $2.11B | $2.12B | $2.14B | $2.09B | $2.10B | $2.15B | $2.10B | $2.08B | $2.08B | $2.06B | $2.02B | $1.98B | $1.95B | $1.92B | |
| Total Liabilities | $1.93B | $1.90B | $1.91B | $1.93B | $1.96B | $1.91B | $1.93B | $1.97B | $1.93B | $1.91B | $1.91B | $1.91B | $1.86B | $1.82B | $1.79B | $1.77B | |
| Long-term Debt | $45M | $44M | $44M | $59M | $59M | $59M | $59M | $59M | $59M | $59M | $59M | $59M | $59M | $59M | $59M | $59M | |
| Common Stock | $85.0K | $85.0K | $85.0K | $85.0K | $85.0K | $85.0K | $85.0K | $85.0K | $85.0K | $85.0K | $85.0K | $85.0K | $85.0K | $85.0K | $85.0K | $85.0K | |
| Paid-in Capital | $108M | $108M | $108M | · | · | · | $108M | · | · | · | · | · | · | · | · | · | |
| Retained Earnings | $117M | $114M | $112M | $108M | $105M | $103M | $101M | $99M | $97M | $97M | $96M | $95M | $93M | $93M | $92M | $90M | |
| Treasury Stock | $11M | $11M | $12M | $12M | $12M | $12M | $11M | $11M | $11M | $11M | $11M | $12M | $12M | $11M | $11M | $12M | |
| AOCI | $-13M | $-15M | $-13M | $-15M | $-18M | $-19M | $-20M | $-15M | $-21M | $-21M | $-20M | $-31M | $-24M | $-23M | $-26M | $-31M | |
| Stockholders' Equity | $197M | $193M | $192M | $186M | $181M | $178M | $175M | $178M | $170M | $169M | $169M | $157M | $163M | $163M | $158M | $151M | |
| Liabilities + Equity | $2.13B | $2.09B | $2.11B | $2.12B | $2.14B | $2.09B | $2.10B | $2.15B | $2.10B | $2.08B | $2.08B | $2.06B | $2.02B | $1.98B | $1.95B | $1.92B | |
| Shares Outstanding | 7,965,431 | 7,965,431 | 7,957,769 | 7,952,177 | 7,952,177 | 7,977,177 | 8,027,177 | 8,016,784 | 8,016,784 | 8,016,784 | 8,016,784 | 7,988,132 | 7,988,132 | 8,006,033 | 8,006,033 | 7,986,890 |
Cash Flow 13
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Deferred Tax | · | · | · | · | · | · | · | · | · | $-292.0K | · | · | · | $-820.0K | · | · | |
| Amort. of Intangibles | $249.0K | $271.0K | $288.0K | $288.0K | $298.0K | $320.0K | $337.0K | $337.0K | $348.0K | $369.0K | $386.0K | $386.0K | $397.0K | $418.0K | $439.0K | $333.0K | |
| Operating Cash Flow | $-2M | $-5M | $21M | $9M | $2M | $2M | $16M | $3M | $3M | $7M | $12M | $6M | $-8M | $-1M | $26M | $-1M | |
| CapEx | $718.0K | $461.0K | $934.0K | $2M | $359.0K | $2M | $3M | $3M | $3M | $5M | $3M | $5M | $3M | $3M | $6M | $4M | |
| Investing Cash Flow | $-51M | $4M | $41M | $21M | $-38M | $-2M | $23M | $-19M | $-20M | $-12M | $-3M | $-53M | $-27M | $-26M | $-43M | $-50M | |
| Stock Repurchased | $0 | $0 | $410.0K | $0 | $408.0K | $755.0K | $419.0K | $0 | $0 | $0 | $0 | $0 | $231.0K | $0 | $124.0K | $2M | |
| Net Stock Activity | · | $0 | · | · | · | $-755.0K | · | · | · | · | · | · | · | $0 | · | · | |
| Dividends Paid | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | |
| Financing Cash Flow | $28M | $-8M | $-28M | $-27M | $41M | $-9M | $-49M | $35M | $20M | $1M | $-5M | $44M | $38M | $24M | $13M | $30M | |
| Net Change in Cash | · | · | $33M | $3M | $4M | $-9M | $-11M | $18M | $3M | $-4M | $4M | $-2M | $4M | $-2M | $-3M | $-21M | |
| Taxes Paid | · | · | · | · | · | · | $165.0K | $190.0K | · | · | · | $400.0K | · | · | · | · | |
| Free Cash Flow | · | $-5M | · | · | · | $262.0K | · | · | · | $2M | · | · | · | $-5M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-6M | · | · | · | $-8M | · | · |
Profitability 4
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 15.4% | 16.9% | · | 15.5% | 14.1% | 15.5% | · | 13.0% | 8.7% | 9.9% | · | 12.2% | 9.4% | 15.4% | · | 12.2% | |
| Pretax Margin | 20.0% | 21.6% | · | 21.2% | 17.4% | 18.5% | · | 15.6% | 11.0% | 11.8% | · | 14.6% | 11.0% | 20.3% | · | 16.3% | |
| ROA | 0.17% | 0.19% | · | 0.17% | 0.15% | 0.16% | · | 0.13% | 0.08% | 0.09% | · | 0.13% | 0.10% | 0.19% | · | 0.19% | |
| ROE | 2.0% | 2.1% | · | 2.0% | 1.8% | 1.9% | · | 1.6% | 1.0% | 1.1% | · | 1.7% | 1.2% | 2.1% | · | 2.0% |
Efficiency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Valuation (TTM) 11
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $94M | $91M | · | $88M | $85M | $81M | · | $81M | $82M | $83M | · | $88M | $90M | $88M | · | $92M | |
| Net Income TTM | $15M | $14M | · | $13M | $11M | $10M | · | $9M | $8M | $10M | · | $11M | $10M | $10M | · | $12M | |
| Market Cap | $191M | $164M | · | $137M | $133M | $134M | · | $127M | $106M | $103M | · | $95M | $106M | $113M | · | $152M | |
| P/E | 12.9 | 11.5 | · | 10.7 | 12.1 | 13.9 | · | 13.9 | 12.5 | 10.2 | · | 8.4 | 10.0 | 10.1 | · | 11.1 | |
| P/S | 2.0 | 1.8 | · | 1.6 | 1.6 | 1.7 | · | 1.6 | 1.3 | 1.2 | · | 1.1 | 1.2 | 1.3 | · | 1.6 | |
| P/B | 1.0 | 0.8 | · | 0.7 | 0.7 | 0.8 | · | 0.7 | 0.6 | 0.6 | · | 0.6 | 0.6 | 0.7 | · | 1.0 | |
| P / Tangible Book | 1.2 | 1.1 | · | 0.9 | 0.9 | 1.0 | · | 0.9 | 0.8 | 0.8 | · | 0.8 | 0.9 | 0.9 | · | 1.4 | |
| P / Cash Flow | · | -34.7 | · | · | · | 71.0 | · | · | · | 14.5 | · | · | · | -97.3 | · | · | |
| P / FCF | · | -31.6 | · | · | · | 510.3 | · | · | · | 44.0 | · | · | · | -24.7 | · | · | |
| Earnings Yield | 7.7% | 8.7% | · | 9.4% | 8.3% | 7.2% | · | 7.2% | 8.0% | 9.8% | · | 11.9% | 10.0% | 9.9% | · | 9.0% | |
| Payout Ratio | · | 29.0% | · | · | · | 35.1% | · | · | · | 59.1% | · | · | · | 34.0% | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Net Income | $15M | $10M | $10M | $11M | $14M |
| Diluted EPS | $1.90 | $1.24 | $1.29 | $1.45 | $2.17 |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $28M | $14M | $-5M | $25M | $44M |
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Institutional owners (13F) 105 filers · $77.1M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 23 (+6 vs prior Q) | 8 (+3 vs prior Q) | 45 (+16 vs prior Q) | 20 (-10 vs prior Q) | -138K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $9,468,048 | 395,656 | 12.27% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $7,826,330 | 327,051 | 10.15% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $6,239,987 | 260,760 | 8.09% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $3,833,982 | 160,194 | 4.97% | Shares |
| AMERICAN CENTURY COMPANIES INC | $3,716,855 | 155,322 | 4.82% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $3,142,751 | 131,331 | 4.07% | Shares |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $2,696,121 | 112,667 | 3.50% | Shares |
| BlackRock, Inc. | $2,680,830 | 112,028 | 3.48% | Shares |
| STATE STREET CORP | $2,598,008 | 108,567 | 3.37% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $2,205,413 | 92,161 | 2.86% | Shares |
| GOLDMAN SACHS GROUP INC | $1,677,637 | 70,106 | 2.17% | Shares |
| RITHOLTZ WEALTH MANAGEMENT | $1,666,311 | 69,633 | 2.16% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $1,665,265 | 69,589 | 2.16% | Shares |
| Trexquant Investment LP | $1,264,413 | 52,838 | 1.64% | Shares |
| Ashton Thomas Private Wealth, LLC | $1,217,965 | 50,897 | 1.58% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,215,764 | 50,805 | 1.58% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,192,695 | 49,841 | 1.55% | Shares |
| CITADEL ADVISORS LLC | $1,176,997 | 49,185 | 1.53% | Shares |
| HSBC HOLDINGS PLC | $1,097,114 | 46,646 | 1.42% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $1,089,676 | 45,536 | 1.41% | Shares |
| Informed Momentum Co LLC | $991,252 | 41,423 | 1.29% | Shares |
| Empowered Funds, LLC | $960,550 | 40,140 | 1.25% | Shares |
| VANGUARD GROUP INC | $936,275 | 47,049 | 1.21% | Shares |
| CWM, LLC | $886,072 | 43,055 | 1.15% | Shares |
| LAZARD ASSET MANAGEMENT LLC | $868,970 | 36,313 | 1.13% | Shares |
| BARCLAYS PLC | $807,541 | 33,746 | 1.05% | Shares |
| SEI INVESTMENTS CO | $807,183 | 33,731 | 1.05% | Shares |
| HoldCo Asset Management, LP | $771,934 | 32,258 | 1.00% | Shares |
| JACOBS LEVY EQUITY MANAGEMENT, INC | $760,208 | 31,768 | 0.99% | Shares |
| XTX Topco Ltd | $757,600 | 31,659 | 0.98% | Shares |
| PRUDENTIAL FINANCIAL INC | $711,678 | 29,740 | 0.92% | Shares |
| Allied Investment Advisors, LLC | $709,979 | 29,669 | 0.92% | Shares |
| STRS OHIO | $650,896 | 27,200 | 0.84% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $583,556 | 24,386 | 0.76% | Shares |
| BANK OF AMERICA CORP /DE/ | $579,537 | 24,218 | 0.75% | Shares |
| TWO SIGMA INVESTMENTS, LP | $551,658 | 23,053 | 0.72% | Shares |
| Squarepoint Ops LLC | $523,158 | 21,862 | 0.68% | Shares |
| Minerva Advisors LLC | $504,875 | 21,098 | 0.65% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $500,305 | 20,907 | 0.65% | Shares |
| FIRST MANHATTAN CO. LLC. | $478,600 | 20,000 | 0.62% | Shares |
| AMERIPRISE FINANCIAL INC | $428,730 | 17,916 | 0.56% | Shares |
| OCCUDO QUANTITATIVE STRATEGIES LP | $420,211 | 17,560 | 0.54% | Shares |
| MILLENNIUM MANAGEMENT LLC | $347,679 | 14,529 | 0.45% | Shares |
| MORGAN STANLEY | $300,875 | 12,573 | 0.39% | Shares |
| Integrated Quantitative Investments LLC | $251,409 | 10,506 | 0.33% | Shares |
| Sterling Capital Management LLC | $247,173 | 10,329 | 0.32% | Shares |
| Point72 Asset Management, L.P. | $241,119 | 10,076 | 0.31% | Shares |
| RHUMBLINE ADVISERS | $227,664 | 9,514 | 0.30% | Shares |
| Nuveen, LLC | $219,797 | 9,185 | 0.28% | Shares |
| Cutler Capital Management, LLC | $215,370 | 9,000 | 0.28% | Shares |
| Mariner, LLC | $211,316 | 8,831 | 0.27% | Shares |
| ALGERT GLOBAL LLC | $201,754 | 8,431 | 0.26% | Shares |
| PUBLIC EMPLOYEES RETIREMENT SYSTEM OF OHIO | $180,432 | 7,540 | 0.23% | Shares |
| DEUTSCHE BANK AG\ | $176,077 | 7,358 | 0.23% | Shares |
| PNC Financial Services Group, Inc. | $160,690 | 6,715 | 0.21% | Shares |
| Bank of New York Mellon Corp | $157,651 | 6,588 | 0.20% | Shares |
| MetLife Investment Management, LLC | $102,588 | 4,287 | 0.13% | Shares |
| Farther Finance Advisors, LLC | $96,675 | 4,040 | 0.13% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $87,871 | 3,672 | 0.11% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $83,229 | 3,478 | 0.11% | Shares |
| Russell Investments Group, Ltd. | $73,164 | 3,057 | 0.09% | Shares |
| CITIGROUP INC | $72,939 | 3,048 | 0.09% | Shares |
| Ancora Advisors LLC | $65,807 | 2,750 | 0.09% | Shares |
| Vanguard Global Advisers, LLC | $62,218 | 2,600 | 0.08% | Shares |
| OSAIC HOLDINGS, INC. | $57,671 | 2,410 | 0.07% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $50,492 | 2,110 | 0.07% | Shares |
| Police & Firemen's Retirement System of New Jersey | $40,944 | 1,711 | 0.05% | Shares |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC | $36,056 | 1,752 | 0.05% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $33,550 | 1,402 | 0.04% | Shares |
| FEDERATED HERMES, INC. | $30,200 | 1,262 | 0.04% | Shares |
| PITTENGER & ANDERSON INC | $29,674 | 1,240 | 0.04% | Shares |
| NORTHERN TRUST CORP | $28,692 | 1,199 | 0.04% | Shares |
| Allworth Financial LP | $24,624 | 1,029 | 0.03% | Shares |
| Arax Advisory Partners | $20,173 | 843 | 0.03% | Shares |
| MARSHALL WACE, LLP | $18,737 | 783 | 0.02% | Shares |
| Ameritas Investment Partners, Inc. | $18,091 | 756 | 0.02% | Shares |
| Legal & General Group Plc | $15,866 | 663 | 0.02% | Shares |
| COMERICA BANK | $11,343 | 570 | 0.01% | Shares |
| Tower Research Capital LLC (TRC) | $11,127 | 465 | 0.01% | Shares |
| FTB Advisors, Inc. | $9,968 | 598 | 0.01% | Shares |
| UBS Group AG | $8,950 | 374 | 0.01% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $8,253 | 401 | 0.01% | Shares |
| ROYAL BANK OF CANADA | $6,000 | 233 | 0.01% | Shares |
| GAMMA Investing LLC | $5,839 | 244 | 0.01% | Shares |
| Integrated Wealth Concepts LLC | $5,245 | 219 | 0.01% | Shares |
| ACADIAN ASSET MANAGEMENT LLC | $3,271 | 137,005 | 0.00% | Shares |
| IFP Advisors, Inc | $2,225 | 93 | 0.00% | Shares |
| Essential Partners LLC | $1,962 | 82 | 0.00% | Shares |
| JPMORGAN CHASE & CO | $1,940 | 82 | 0.00% | Shares |
| FMR LLC | $1,938 | 81 | 0.00% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $1,484 | 62 | 0.00% | Shares |
| WELLS FARGO & COMPANY/MN | $1,340 | 56 | 0.00% | Shares |
| Janney Montgomery Scott LLC | $988 | 41,282 | 0.00% | Shares |
| ROTHSCHILD INVESTMENT LLC | $885 | 37 | 0.00% | Shares |
| True Wealth Design, LLC | $671 | 28 | 0.00% | Shares |
| JONES FINANCIAL COMPANIES LLLP | $597 | 25 | 0.00% | Shares |
| Physician Wealth Advisors, Inc. | $527 | 22 | 0.00% | Shares |
| Fortitude Family Office, LLC | $359 | 15 | 0.00% | Shares |
| SJS Investment Consulting Inc. | $96 | 4 | 0.00% | Shares |
| Wealth Enhancement Trust Services, Inc. | $96 | 4 | 0.00% | Shares |
Company insiders 12 insiders · 4 officers · 7 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Peter Joseph Johnson | President & CEO | Nov. 1, 2013 A | 73,473 | 0 | 0 | $0 |
| Rachel R Amdahl | SVP/Branch Operations Support | Feb. 12, 2014 S | 15,649 | 0 | 0 | $0 |
| Michael C Mundt | SVP-Chief Lending Officer | Nov. 1, 2013 A | 43,643 | 0 | 0 | $0 |
| Robert M Evans | Retired SVP/CIO | May 13, 2013 S | 15,000 | 0 | 0 | $0 |
| Larry A Dreyer | Director | Jan. 31, 2014 S | 36,621 | 0 | 0 | $0 |
| Maureen J Rude | Director | Nov. 1, 2013 A | 2,189 | 0 | 0 | $0 |
| Rick Hays | Director | Nov. 1, 2013 A | 8,872 | 0 | 0 | $0 |
| Lynn E Dickey | Director | Nov. 1, 2013 A | 10,726 | 0 | 0 | $0 |
| Thomas J Mccarvel | Director | Nov. 1, 2013 A | 36,112 | 0 | 0 | $0 |
| James A Maierle | Director | Nov. 1, 2013 A | 70,092 | 0 | 0 | $0 |
| John C Rudolf | — | Dec. 20, 2016 S | 383,055 | 0 | 0 | $0 |
| Clint J Morrison | — | Jan. 30, 2014 S | 5,297 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
Activists & 5%+ owners 3 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Kenneth M. Walsh | Feb. 12, 2018 | — | Initial filing | Passive investment | SEC |
| Sandler O'Neill Asset Management, LLC, SOAM Holdings, LLC, Malta Partners, L.P., Malta Hedge Fund, L.P., Malta Hedge Fund II, L.P., Malta Offshore, Ltd, Malta Thrift Fund, L.P., SOAM Capital Partners, L.P., Terry Maltese ×3 filings | Nov. 8, 2013 | — | Initial filing | Passive investment | SEC |
| Sandler O’Neill Asset Management, LLC, SOAM Holdings, LLC, Malta Partners, L.P., Malta Hedge Fund, L.P., Malta Hedge Fund II, L.P., Malta Offshore, Ltd, Malta Thrift Fund, L.P., SOAM Capital Partners, L.P., Terry Maltese ×4 filings | Aug. 6, 2013 | — | Initial filing | Passive investment | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
ETF ownership Held by 25 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| GSSC · Goldman Sachs ETF Trust | 0.03% | 11,425 NS | May 31, 2026 | N-PORT |
| AVUV · AMERICAN CENTURY ETF TRUST | 0.01% | 112,733 NS | May 31, 2026 | N-PORT |
| AVSC · AMERICAN CENTURY ETF TRUST | 0.01% | 10,978 NS | May 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.01% | 29,028 NS | April 30, 2026 | N-PORT |
| RSSL · Global X Funds | 0.01% | 3,257 NS | April 30, 2026 | N-PORT |
| ITWO · ProShares Trust | 0.00% | 348 NS | May 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.00% | 26,341 NS | April 30, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.00% | 20,132 NS | April 30, 2026 | N-PORT |
| UWM · ProShares Trust | 0.00% | 273 NS | May 31, 2026 | N-PORT |
| URTY · ProShares Trust | 0.00% | 274 NS | May 31, 2026 | N-PORT |
| EBI · RBB Fund Trust | 0.00% | 508 NS | May 31, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 7 NS | May 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 11,611 NS | April 30, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 856 NS | April 30, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 4 NS | April 30, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 4 NS | April 30, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | — | — | July 15, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | — | — | July 15, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| IWN · iShares Trust | — | — | Aug. 17, 2026 | Daily |
| IWM · iShares Trust | — | — | Aug. 18, 2026 | Daily |
| IWC · iShares Trust | — | — | Aug. 18, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | — | — | July 13, 2026 | Daily |