For the quarter ending 2025-09-30, EBMT had $2,587K increase in cash & cash equivalents over the period. $7,090K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 3,630 | 6,476 |
| Provision for credit losses | 62 | 1,080 |
| Depreciation | 1,327 | 2,633 |
| Net amortization of investment securities premiums and discounts | -175 | -351 |
| Amortization of mortgage servicing rights | 460 | 882 |
| Amortization of right-of-use assets | 120 | 239 |
| Amortization | 288 | 618 |
| Compensation expense related to restricted stock awards | 181 | 345 |
| Esop compensation expense for allocated shares | 102 | 197 |
| Net gain on sale of loans | 2,229 | 3,432 |
| Originations of loans held-for-sale | 64,611 | 98,554 |
| Proceeds from sales of loans held-for-sale | 69,656 | 101,077 |
| Net gain on sale/disposal of premises and equipment | 0 | - |
| Net appreciation in cash surrender value of life insurance | 366 | 708 |
| Accrued interest and dividends receivable | 2,229 | 1,784 |
| Other assets | -108 | -928 |
| Accrued expenses and other liabilities | 2,283 | -6,717 |
| Net cash provided by operating activities | 8,957 | 3,631 |
| Maturities, principal payments and calls | 9,017 | 13,340 |
| Purchases | 0 | 3,023 |
| Fhlb stock redeemed (purchased) | -1,800 | -778 |
| Loan origination and principal collection, net | -11,819 | 49,157 |
| (purchase) proceeds from bank owned life insurance | 0 | - |
| Insurance proceeds related to premises and equipment | 0 | - |
| Proceeds from sale of real estate and other repossessed assets acquired in settlement of loans | 0 | 40 |
| Proceeds from sale of premises and equipment | 0 | 0 |
| Purchases of premises and equipment, net | 1,867 | 1,981 |
| Net cash used in investing activities | 20,769 | -40,003 |
| Net increase in deposits | 14,254 | 56,697 |
| Net short-term advances (payments) from fhlb and other borrowings | 1,010 | 20,977 |
| Advances on long-term fhlb and other borrowings | 0 | 20,000 |
| Payments on long-term fhlb and other borrowings | 41,250 | 62,500 |
| Purchase of treasury stock | 0 | 1,163 |
| Dividends paid | 1,153 | 2,270 |
| Net cash provided by financing activities | -27,139 | 31,741 |
| Net (decrease) increase in cash and cash equivalents | 2,587 | -4,631 |
| Cash and cash equivalents at beginning of period | 31,559 | - |
| Cash and cash equivalents at end of period | 29,515 | - |
Eagle Bancorp Montana, Inc. (EBMT)
Eagle Bancorp Montana, Inc. (EBMT)