For the quarter ending 2026-03-31, EBMT had -$9,229K decrease in cash & cash equivalents over the period. -$5,184K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 3,984 | 4,729 | 3,630 | 6,476 |
| Provision for credit losses | 279 | 39 | 62 | 1,080 |
| Depreciation | 1,260 | 1,360 | 1,327 | 2,633 |
| Net amortization of investment securities premiums and discounts | -190 | -182 | -175 | -351 |
| Amortization of mortgage servicing rights | 620 | 595 | 460 | 882 |
| Amortization of right-of-use assets | 99 | 121 | 120 | 239 |
| Amortization of core deposit intangibles | 271 | 288 | 288 | 618 |
| Compensation expense related to restricted stock awards | 195 | 163 | 181 | 345 |
| Esop compensation expense for allocated shares | 127 | 105 | 102 | 197 |
| Deferred income tax expense (benefit) | - | -574 | - | - |
| Net gain on sale of loans | 1,678 | 2,062 | 2,229 | 3,432 |
| Originations of loans held-for-sale | 69,255 | 61,949 | 64,611 | 98,554 |
| Proceeds from sales of loans held-for-sale | 67,995 | 66,416 | 69,656 | 101,077 |
| Net loss on sale of real estate owned and other repossessed assets | -12 | -10 | - | - |
| Net gain on insurance proceeds related to premises and equipment | 484 | - | - | - |
| Net gain on sale/disposal of premises and equipment | 16 | 153 | 0 | - |
| Net realized loss on sales of available-for-sale securities | - | 0 | - | - |
| Net appreciation in cash surrender value of life insurance | 362 | 437 | 366 | 708 |
| Accrued interest and dividends receivable | -835 | -2,455 | 2,229 | 1,784 |
| Other assets | -180 | -1,717 | -108 | -928 |
| Accrued expenses and other liabilities | -8,975 | 7,534 | 2,283 | -6,717 |
| Net cash (used in) provided by operating activities | -4,723 | 20,539 | 8,957 | 3,631 |
| Proceeds from sale of premises and equipment | - | 125 | 0 | 0 |
| Purchase of bank owned life insurance | - | 0 | 0 | - |
| Proceeds from sale of real estate and other repossessed assets acquired in settlement of loans | - | 0 | 0 | 40 |
| Sales | - | 0 | - | - |
| Maturities, principal payments and calls | 3,888 | 4,760 | 9,017 | 13,340 |
| Purchases | 0 | 4,020 | 0 | 3,023 |
| Fhlb stock (purchased) redeemed | 84 | -2,550 | -1,800 | -778 |
| Loan origination and principal collection, net | 300 | -38,641 | -11,819 | 49,157 |
| Insurance proceeds related to premises and equipment | 484 | 76 | 0 | - |
| Purchases of premises and equipment, net | 461 | 934 | 1,867 | 1,981 |
| Net cash provided by (used in) investing activities | 3,527 | 41,198 | 20,769 | -40,003 |
| Net increase in deposits | 4,477 | 29,420 | 14,254 | 56,697 |
| Net short-term payments on fhlb and other borrowings | -105 | -54,895 | 1,010 | 20,977 |
| Advances on long-term fhlb and other borrowings | 0 | 15,000 | 0 | 20,000 |
| Payments on long-term fhlb and other borrowings | 11,250 | 1,250 | 41,250 | 62,500 |
| Repayment of subordinated debentures | - | 15,000 | - | - |
| Purchase of treasury stock | 0 | 410 | 0 | 1,163 |
| Dividends paid | 1,155 | 1,155 | 1,153 | 2,270 |
| Net cash used in financing activities | -8,033 | -28,290 | -27,139 | 31,741 |
| Net increase in cash and cash equivalents | - | 33,447 | 2,587 | -4,631 |
| Net decrease in cash and cash equivalents | -9,229 | - | - | - |
| Cash and cash equivalents, beginning of period | 62,962 | 29,515 | 31,559 | - |
| Cash and cash equivalents, end of period | 53,733 | 62,962 | 29,515 | - |
Eagle Bancorp Montana, Inc. (EBMT)
Eagle Bancorp Montana, Inc. (EBMT)