Demonstrações financeiras detalhadas de Eagle Bancorp Montana, Inc. (EBMT): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Eagle Bancorp Montana, Inc. registou receitas de $126.0M no último exercício, com um CAGR de 5 anos de 6.9%. O lucro líquido atingiu $14.8M, com CAGR de 5 anos de -6.9%.
Margens dos últimos 12 meses: margem bruta 66.7%, margem operacional 11.2%, margem líquida 16.2%.
Ao preço atual de $21.94, EBMT negocia a um P/L de 10.67 e um ROE de 7.73%. A capitalização de mercado é de $175M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $39.9M | $41.6M | $46.3M | $69.1M | $90.4M | $93.2M | $93.6M | $112.5M | $120.4M | $126.0M |
| Custo da Receita | $5.0M | $5.3M | $6.1M | $10.4M | 0 | $4.1M | $8.2M | $30.6M | $41.3M | $36.7M |
| Lucro Bruto | $35.0M | $36.2M | $40.2M | $58.7M | $90.4M | $89.1M | $85.5M | $81.9M | $79.1M | $89.3M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $19.6M | $21.6M | $25.4M | $32.8M | $45.1M | $50.4M | $46.5M | $45.5M | $42.2M | $33.9M |
| Despesas Operacionais | $28.0M | $30.0M | $34.3M | $44.7M | $90.4M | $69.8M | $71.6M | $70.2M | $67.7M | $70.4M |
| Lucro Operacional | $6.9M | $6.2M | $5.9M | $14.0M | 0 | $19.3M | $13.8M | $11.7M | $11.4M | $18.9M |
| EBITDA | $9.7M | $8.7M | $9.1M | $18.7M | $42.4M | $27.1M | $21.6M | $19.5M | $20.3M | $25.8M |
| Despesas com Juros | $3.1M | $4.1M | $5.1M | $7.7M | $6.5M | $3.2M | $6.2M | $29.1M | $40.8M | $35.5M |
| Lucro Antes de Impostos | $6.9M | $6.2M | $5.9M | $14.0M | $28.4M | $19.3M | $13.8M | $11.7M | $11.4M | $18.9M |
| Imposto | $1.8M | $2.1M | $914000 | $3.1M | $7.2M | $4.9M | $3.1M | $1.6M | $1.6M | $4.1M |
| Lucro Líquido | $5.1M | $4.1M | $5.0M | $10.9M | $21.2M | $14.4M | $10.7M | $10.1M | $9.8M | $14.8M |
| LPA | $1.36 | $1.01 | $0.92 | $1.69 | $3.12 | $2.17 | $1.45 | $1.29 | $1.24 | $1.90 |
| LPA Diluído | $1.32 | $0.99 | $0.91 | $1.69 | $3.11 | $2.17 | $1.45 | $1.29 | $1.24 | $1.90 |
| Ações em Circulação (Diluídas) | $3.9M | $4.1M | $5.5M | $6.4M | $6.8M | $6.7M | $7.4M | $7.8M | $7.9M | $7.8M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $32.2M | $32.5M | $31.1M | $3.5M |
| Lucro Bruto | $23.0M | $24.3M | $23.3M | -$4.3M |
| Lucro Operacional | $5.0M | $6.1M | $5.1M | -$5.1M |
| EBITDA | $7.2M | $6.4M | $7.3M | -$7.3M |
| Lucro Líquido | $3.6M | $4.7M | $4.0M | $3.7M |
| LPA | $0.47 | $0.61 | $0.51 | $0.47 |
| LPA Diluído | $0.46 | $0.60 | $0.51 | $0.47 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $7.3M | $7.4M | $11.2M | $22.4M | $62.2M | $54.6M | $21.8M | $24.5M | $31.6M | $24.1M |
| Investimentos de Curto Prazo | $128.4M | $132.0M | $142.2M | $126.9M | $162.9M | $271.3M | $349.5M | $318.3M | $119.4M | $281.7M |
| Contas a Receber | $2.1M | $2.6M | $3.5M | $4.6M | $5.8M | $5.8M | $11.3M | $12.5M | $12.9M | $14.4M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $137.9M | $142.0M | $156.8M | $153.8M | $230.9M | $331.6M | $382.6M | $355.3M | $163.8M | $320.2M |
| Imobilizado | $19.4M | $22.0M | $29.3M | $40.1M | $58.8M | $67.3M | $84.3M | $94.3M | $101.5M | $101.4M |
| Ágio | $7.0M | $7.0M | $12.1M | $15.8M | $20.8M | $20.8M | $34.7M | $34.7M | $34.7M | $34.7M |
| Ativos Intangíveis | $6.2M | $6.9M | $8.6M | $11.5M | $12.4M | $15.5M | $22.9M | $21.7M | $19.9M | $3.3M |
| Ativos Totais | $673.9M | $716.8M | $853.9M | $1.05B | $1.26B | $1.44B | $1.95B | $2.08B | $2.10B | $2.11B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $105000 |
| Passivos Circulantes | $517.1M | $525.4M | $632.0M | $818.8M | $1.06B | $1.24B | $1.66B | $1.64B | $1.68B | $452.3M |
| Dívida de Longo Prazo | $97.4M | $107.8M | $127.1M | $113.3M | $46.9M | $34.9M | $128.2M | $234.7M | $200.1M | $82.4M |
| Passivos Totais | $614.5M | $633.2M | $759.1M | $932.6M | $1.10B | $1.28B | $1.79B | $1.91B | $1.93B | $1.91B |
| Reservas | $41.2M | $43.9M | $46.9M | $55.4M | $74.0M | $85.4M | $92.0M | $96.0M | $101.3M | $111.5M |
| Patrimônio Líquido | $59.5M | $83.6M | $94.8M | $121.7M | $152.9M | $156.7M | $158.4M | $169.3M | $174.8M | $191.8M |
| Dívida Total | $97.4M | $107.8M | $127.1M | $113.3M | $46.9M | $34.9M | $128.2M | $234.7M | $200.1M | $82.5M |
| Dívida Líquida | -$38.4M | -$31.7M | -$26.3M | -$36.0M | -$178.3M | -$291.0M | -$243.1M | -$108.1M | $49.1M | -$223.3M |
| Capital de Giro | -$379.2M | -$383.4M | -$475.2M | -$665.0M | -$826.5M | -$912.1M | -$1.28B | -$1.28B | -$1.52B | -$132.0M |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $29.5M | $24.1M | $19.4M | $26.1M |
| Ativos Totais | $2.12B | $2.11B | $2.09B | $2.13B |
| Passivos Totais | $1.93B | $1.91B | $1.90B | $1.93B |
| Patrimônio Líquido | $186.5M | $191.8M | $193.0M | $197.3M |
| Dívida Total | $138.4M | $82.5M | $71.1M | $96.6M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $5.1M | $4.1M | $5.0M | $10.9M | $21.2M | $14.4M | $10.7M | $10.1M | $9.8M | $14.8M |
| Depreciação e Amortização | $2.8M | $2.5M | $3.2M | $4.7M | $7.1M | $7.8M | $7.7M | $7.9M | $8.9M | $6.0M |
| Compensação em Ações | $667000 | $569000 | $603000 | $723000 | $686000 | $1.0M | $976000 | $678000 | $869000 | $689000 |
| Variação Capital de Giro | $12.4M | $19.6M | $10.3M | -$375000 | -$195000 | $2.8M | $799000 | -$4.5M | $14.2M | $4.3M |
| Fluxo de Caixa Operacional | $12.9M | $20.1M | $13.6M | $366000 | $2.1M | $56.5M | $41.9M | $9.3M | $28.5M | $33.1M |
| CapEx | -$2.2M | -$3.5M | -$7.1M | -$10.5M | -$20.6M | -$12.2M | -$16.8M | -$14.2M | -$14.1M | -$4.8M |
| Aquisições | -$62.2M | -$49.7M | -$4.2M | $6.9M | $5.0M | -$97.3M | $13.4M | 0 | 0 | 0 |
| Recompra de Ações | 0 | 0 | 0 | -$1.2M | -$987000 | -$6.3M | -$4.4M | -$231000 | -$419000 | -$1.6M |
| Dividendos Pagos | -$1.2M | -$1.4M | -$2.0M | -$2.4M | -$2.6M | -$3.0M | -$4.1M | -$4.4M | -$4.5M | -$4.6M |
| Fluxo de Caixa Livre | $10.6M | $16.5M | $6.5M | -$10.2M | -$18.5M | $44.2M | $25.1M | -$4.8M | $14.5M | $28.3M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $9.0M | $20.5M | -$4.7M | -$2.1M |
| CapEx | -$1.9M | -$934000 | -$461000 | -$718000 |
| Fluxo de Caixa Livre | $7.1M | $19.6M | -$5.2M | -$2.8M |
| Dividendos Pagos | -$1.2M | -$1.2M | -$1.2M | -$1.2M |
| Compensação em Ações | $283000 | $1.5M | $195000 | $469000 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +4.2% | +11.4% | +49.1% | +30.8% | +3.1% | +0.5% | +20.1% | +7.1% | +4.6% |
| Crescimento Lucro Líquido (anual) | | -20.1% | +21.4% | +118.2% | +95.1% | -32.0% | -25.8% | -6.0% | -2.8% | +51.7% |
| Crescimento LPA (anual) | | -25.7% | -8.9% | +83.7% | +84.6% | -30.4% | -33.2% | -11.0% | -3.9% | +53.2% |
| Variação de Ações (anual) | | +6.7% | +32.9% | +17.3% | +5.9% | -2.4% | +11.0% | +5.6% | +0.7% | -0.4% |
| Crescimento FCF (anual) | | +55.2% | -60.6% | -256.4% | -82.0% | +338.9% | -43.1% | -119.3% | +398.6% | +96.0% |
| Margem Bruta | 87.6% | 87.2% | 86.9% | 85.0% | 100.0% | 95.6% | 91.3% | 72.8% | 65.7% | 70.9% |
| Margem Operacional | 17.4% | 15.0% | 12.7% | 20.2% | 0.0% | 20.7% | 14.8% | 10.4% | 9.5% | 15.0% |
| Margem EBITDA | 24.3% | 21.0% | 19.6% | 27.0% | 46.9% | 29.1% | 23.0% | 17.4% | 16.8% | 20.5% |
| Margem Líquida | 12.9% | 9.9% | 10.8% | 15.7% | 23.5% | 15.5% | 11.4% | 8.9% | 8.1% | 11.8% |
| Margem FCF | 26.7% | 39.7% | 14.1% | -14.7% | -20.5% | 47.5% | 26.9% | -4.3% | 12.0% | 22.5% |
| Taxa Efetiva de Imposto | 26.0% | 34.2% | 15.5% | 22.2% | 25.4% | 25.2% | 22.7% | 13.7% | 14.2% | 21.5% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $2.75 | $4.00 | $1.19 | $-1.58 | $-2.72 | $6.65 | $3.40 | $-0.62 | $1.84 | $3.62 |
| Dividendo por Ação | $0.31 | $0.34 | $0.36 | $0.37 | $0.38 | $0.45 | $0.55 | $0.57 | $0.58 | $0.59 |
| Ações em Circulação (Básicas) | $3.8M | $4.1M | $5.4M | $6.4M | $6.8M | $6.7M | $7.4M | $7.8M | $7.9M | $7.8M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 7.73% |
| Retorno sobre capital investido | 196.66% |
| Retorno sobre ativos | 0.70% |
| Margem bruta | 66.74% |
| Margem operacional | 11.16% |
| Margem líquida | 16.19% |
Saúde financeira
| Dívida / Patrimônio | 0.49 |
| Liquidez corrente | 0.00 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 15.51 | 20.74 | 17.93 | 12.66 | 6.80 | 10.59 | 11.14 | 12.24 | 12.36 | 10.47 |
| P/VP | 1.34 | 1.02 | 0.94 | 1.13 | 0.94 | 0.98 | 0.75 | 0.73 | 0.69 | 0.81 |
| P/V | 2.00 | 2.05 | 1.93 | 1.99 | 1.60 | 1.64 | 1.27 | 1.09 | 1.00 | 1.23 |
| Margem Bruta | 87.6% | 87.2% | 86.9% | 85.0% | 100.0% | 95.6% | 91.3% | 72.8% | 65.7% | 70.9% |
| Margem Operacional | 17.4% | 15.0% | 12.7% | 20.2% | 0.0% | 20.7% | 14.8% | 10.4% | 9.5% | 15.0% |
| Margem Líquida | 12.9% | 9.9% | 10.8% | 15.7% | 23.5% | 15.5% | 11.4% | 8.9% | 8.1% | 11.8% |