For the year ending 2025-12-31, EBMT had $31,403K increase in cash & cash equivalents over the period. $28,345K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 14,835 |
| Provision for credit losses | 1,181 |
| Depreciation | 5,320 |
| Net amortization of investment securities premiums and discounts | -708 |
| Amortization of mortgage servicing rights | 1,937 |
| Amortization of right-of-use assets | 480 |
| Amortization | 1,194 |
| Compensation expense related to restricted stock awards | 689 |
| Esop compensation expense for allocated shares | 404 |
| Deferred income tax expense (benefit) | -574 |
| Net gain on sale of loans | 7,723 |
| Originations of loans held-for-sale | 225,114 |
| Proceeds from sales of loans held-for-sale | 237,149 |
| Net loss on sale of real estate owned and other repossessed assets | -10 |
| Net gain on sale/disposal of premises and equipment | 153 |
| Net realized loss on sales of available-for-sale securities | 0 |
| Net appreciation in cash surrender value of life insurance | 1,511 |
| Accrued interest and dividends receivable | 1,558 |
| Other assets | -2,753 |
| Accrued expenses and other liabilities | 3,100 |
| Net cash provided by operating activities | 33,127 |
| Sales | 0 |
| Maturities, principal payments and calls | 27,117 |
| Purchases | 7,043 |
| Fhlb stock redeemed | -5,128 |
| Loan origination and principal collection, net | -1,303 |
| Purchase of bank owned life insurance | 0 |
| Proceeds from sale of real estate and other repossessed assets acquired in settlement of loans | 40 |
| Insurance proceeds related to premises and equipment | 76 |
| Proceeds from sale of premises and equipment | 125 |
| Purchases of premises and equipment, net | 4,782 |
| Net cash provided by (used in) investing activities | 21,964 |
| Net increase in deposits | 100,371 |
| Net short-term payments on fhlb and other borrowings | -32,908 |
| Advances on long-term fhlb and other borrowings | 35,000 |
| Payments on long-term fhlb and other borrowings | 105,000 |
| Repayment of subordinated debentures | 15,000 |
| Purchase of treasury stock | 1,573 |
| Dividends paid | 4,578 |
| Net cash (used in) provided by financing activities | -23,688 |
| Net increase in cash and cash equivalents | 31,403 |
| Cash and cash equivalents, beginning of period | 31,559 |
| Cash and cash equivalents, end of period | 62,962 |
Eagle Bancorp Montana, Inc. (EBMT)
Eagle Bancorp Montana, Inc. (EBMT)