Recent News
On February 4, 2026 analysts revised the one‑year price target higher to $26.52, reflecting a roughly 24.6% increase to the consensus target. A February 26, 2026 company notice flagged a leadership transition at Eagle Bancorp Montana involving a senior lending officer change.
Technical Analysis
Trend Strength (ADX / DI+/DI-): ADX at 18.8 indicates no strong trend; directional indicators read mixed — DI+ at 22.15 trending decreasing (bearish), while DI- at 22.61 shows a peak-and-reversal (bullish). Together these signal lateral price action with short-term downside bias that could reverse if DI+ stabilizes.
MACD: MACD sits at 0.08 and trends decreasing beneath the signal line at 0.34, signalling bearish momentum and suggesting momentum remains dampened versus recent levels.
MRO (Momentum/Regression Oscillator): MRO at -15.86 (trend decreasing) places the market price below the model target, indicating mean-reversion potential that could support rebounds if other momentum indicators turn.
RSI: RSI at 55.48 and decreasing points to fading bullish momentum while remaining in neutral territory; the indicator implies limited immediate overbought/oversold extremity.
Price Versus Moving Averages & Bands: Last close $24.91 sits below the 20‑day average ($25.63) and slightly below the 1× lower Bollinger band ($24.99), implying short‑term weakness; price remains above the 50‑day ($24.78) and well above the 200‑day average ($20.39), which preserves a constructive medium‑term bias. Ichimoku components cluster near $25, indicating a narrow price band and likely consolidation until momentum shifts.
Fundamental Analysis
Earnings And Recent Report: The company reported fourth‑quarter results on January 21, 2026 and recorded earnings per share of $0.25 against an estimate of -$0.01, a positive EPS surprise of 26%. The same release announced a return to quarterly profitability after prior losses.
Profitability And Cash Flow: Trailing net income stands at -$67,513,000 while operating cash flow and end‑period cash improved to $19,847,000 and $850,767,000 respectively; free cash flow equals $15,829,000 with a free cash flow yield of 2.63% (roughly in line with the industry peer mean). Return on assets at -0.63% and return on equity at -6.01% reflect ongoing profitability recovery needs despite the quarterly EPS beat.
Valuation Multiples: Price‑to‑book at 0.53 sits below the industry peer mean (1.25) and median (1.16) while remaining above the industry peer low (0.28), indicating a below‑average market valuation versus peers. Trailing PE registers negative at -8.91 due to prior losses; forward PE sits near 30.66 on forward EPS of $0.64. Price‑to‑sales at 8.50 contrasts with a higher industry peer mean but does not alter the WMDST valuation conclusion.
Growth And Balance Sheet: Total assets grew ~2.02%; revenue declined YoY by about 4.77% and contracted QoQ by roughly 11.54%. Asset turnover at 0.66% remains below the industry peer mean (1.03%), consistent with a capital‑intensive lending model. Debt metrics show low leverage: debt‑to‑assets ~1.04% and debt‑to‑equity ~10.03%, improved QoQ and YoY, which supports balance‑sheet flexibility.
WMDST Valuation Summary: The current valuation as determined by WMDST rates the stock as under‑valued, supported by a P/B below peer averages, a recovering earnings profile (Q4 EPS beat), and a strong liquidity position despite trailing losses.
MOST-RECENT QUARTERLY REPORT
| REPORT PERIOD ENDING: | 2025-09-30 |
| REPORT DATE: | 2026-01-21 |
| NEXT REPORT DATE: | 2026-04-22 |
| CASH FLOW | Begin Period Cash Flow | $ 257.3 M |
| Operating Cash Flow | $ 19.8 M | |
| Capital Expenditures | $ -4.02 M | |
| Change In Working Capital | $ -31.43 M | |
| Dividends Paid | $ -5.01 M | |
| Cash Flow Delta | $ 593.4 M | |
| End Period Cash Flow | $ 850.8 M | |
| INCOME STATEMENT | REVENUE | |
| Total Revenue | $ 70.7 M | |
| Forward Revenue | $ -5.11 M | |
| COSTS | ||
| Cost Of Revenue | — | |
| Depreciation | $ 700.0 K | |
| Depreciation and Amortization | $ 700.0 K | |
| Research and Development | — | |
| Total Operating Expenses | — | |
| PROFITABILITY | ||
| Gross Profit | — | |
| EBITDA | — | |
| EBIT | — | |
| Operating Income | — | |
| Interest Income | $ 150.1 M | |
| Interest Expense | $ 81.9 M | |
| Net Interest Income | $ 68.2 M | |
| Income Before Tax | $ -84.42 M | |
| Tax Provision | $ -16.91 M | |
| Tax Rate | 20.0 % | |
| Net Income | $ -67.51 M | |
| Net Income From Continuing Operations | $ -67.51 M | |
| EARNINGS | ||
| EPS Estimate | $ -0.01 | |
| EPS Actual | $ 0.25 | |
| EPS Difference | $ 0.26 | |
| EPS Surprise | 2600.0 % | |
| Forward EPS | $ 0.64 | |
| BALANCE SHEET | ASSETS | |
| Total Assets | $ 10.8 B | |
| Intangible Assets | — | |
| Net Tangible Assets | $ 1.1 B | |
| Total Current Assets | — | |
| Cash and Short-Term Investments | — | |
| Cash | $ 849.3 M | |
| Net Receivables | — | |
| Inventory | — | |
| Long-Term Investments | — | |
| LIABILITIES | ||
| Accounts Payable | — | |
| Short-Term Debt | — | |
| Total Current Liabilities | — | |
| Net Debt | — | |
| Total Debt | $ 112.6 M | |
| Total Liabilities | $ 9.7 B | |
| EQUITY | ||
| Total Equity | $ 1.1 B | |
| Retained Earnings | $ 831.7 M | |
| VALUATION & PER-SHARE METRICS | EQUITY & PER-SHARE METRICS | |
| Book Value Per-Share | $ 37.00 | |
| Shares Outstanding | 30.367 M | |
| Revenue Per-Share | $ 2.33 | |
| VALUATION | Market Capitalization | $ 600.9 M |
| Enterprise Value | $ 713.5 M | |
| Enterprise Multiple | — | |
| Enterprise Multiple QoQ | — | |
| Enterprise Multiple YoY | — | |
| Enterprise Multiple IPRWA | — | |
| EV/R | 10.098 | |
| CAPITAL STRUCTURE | ||
| Asset To Equity | 9.627 | |
| Asset To Liability | 1.116 | |
| Debt To Capital | 0.091 | |
| Debt To Assets | 0.01 | |
| Debt To Assets QoQ | -32.534 % | |
| Debt To Assets YoY | -51.058 % | |
| Debt To Assets IPRWA | high: 0.165 mean: 0.056 median: 0.053 EGBN: 0.01 low: 0.0 |
|
| Debt To Equity | 0.1 | |
| Debt To Equity QoQ | -27.366 % | |
| Debt To Equity YoY | -48.813 % | |
| Debt To Equity IPRWA | high: 1.525 mean: 0.51 median: 0.455 EGBN: 0.1 low: -0.109 |
|
| PRICE-BASED VALUATION | ||
| Price To Book (P/B) | 0.535 | |
| Price To Book QoQ | 12.336 % | |
| Price To Book YoY | -0.022 % | |
| Price To Book IPRWA | high: 2.042 mean: 1.246 median: 1.156 EGBN: 0.535 low: 0.284 |
|
| Price To Earnings (P/E) | -8.913 | |
| Price To Earnings QoQ | 3.874 % | |
| Price To Earnings YoY | -129.538 % | |
| Price To Earnings IPRWA | high: 75.793 mean: 42.987 median: 41.768 low: 9.669 EGBN: -8.913 |
|
| PE/G Ratio | 2.563 | |
| Price To Sales (P/S) | 8.504 | |
| Price To Sales QoQ | 11.827 % | |
| Price To Sales YoY | 2.22 % | |
| Price To Sales IPRWA | high: 24.051 mean: 12.816 median: 12.491 EGBN: 8.504 low: 0.117 |
|
| FORWARD MULTIPLES | ||
| Forward P/E | 30.661 | |
| Forward PE/G | -8.816 | |
| Forward P/S | -119.099 | |
| EFFICIENCY | OPERATIONAL | |
| Operating Leverage | — | |
| ASSET & SALES | ||
| Asset Turnover Ratio | 0.007 | |
| Asset Turnover Ratio QoQ | -2.511 % | |
| Asset Turnover Ratio YoY | -5.444 % | |
| Asset Turnover Ratio IPRWA | high: 0.016 mean: 0.01 median: 0.01 EGBN: 0.007 low: 0.005 |
|
| Receivables Turnover | — | |
| Receivables Turnover Ratio QoQ | — | |
| Receivables Turnover Ratio YoY | — | |
| Receivables Turnover Ratio IPRWA | — | |
| Inventory Turnover | — | |
| Inventory Turnover Ratio QoQ | — | |
| Inventory Turnover Ratio YoY | — | |
| Inventory Turnover Ratio IPRWA | — | |
| Days Sales Outstanding (DSO) | — | |
| CASH CYCLE | ||
| Cash Conversion Cycle Days (CCC) | — | |
| Cash Conversion Cycle Days QoQ | — | |
| Cash Conversion Cycle Days YoY | — | |
| Cash Conversion Cycle Days IPRWA | high: 84.471 mean: 35.522 median: 34.679 EGBN: 0 low: -17.91 |
|
| CAPITAL DEPLOYMENT | ||
| Cash Conversion Ratio | — | |
| CapEx To Revenue | -0.057 | |
| CapEx To Depreciation | -5.74 | |
| CAPITAL, LIQUIDITY & COVERAGE | CAPITAL STRUCTURE | |
| Total Capital | $ 1.2 B | |
| Net Invested Capital | $ 1.2 B | |
| Invested Capital | $ 1.2 B | |
| Net Tangible Assets | $ 1.1 B | |
| Net Working Capital | — | |
| LIQUIDITY | ||
| Cash Ratio | — | |
| Current Ratio | — | |
| Current Ratio QoQ | — | |
| Current Ratio YoY | — | |
| Current Ratio IPRWA | — | |
| Quick Ratio | — | |
| Quick Ratio QoQ | — | |
| Quick Ratio YoY | — | |
| Quick Ratio IPRWA | — | |
| COVERAGE & LEVERAGE | ||
| Debt To EBITDA | — | |
| Cost Of Debt | 47.456 % | |
| Interest Coverage Ratio | — | |
| Interest Coverage Ratio QoQ | — | |
| Interest Coverage Ratio YoY | — | |
| Interest Coverage Ratio IPRWA | — | |
| Operating Cash Flow Ratio | — | |
| TIMING / LIQUIDITY | ||
| Days Payables Outstanding (DPO) | — | |
| DIVIDENDS | ||
| Dividend Coverage Ratio | -13.484 | |
| Dividend Payout Ratio | -0.074 | |
| Dividend Rate | $ 0.16 | |
| Dividend Yield | 0.008 | |
| PERFORMANCE | GROWTH | |
| Asset Growth Rate | 2.02 % | |
| Revenue Growth | -4.766 % | |
| Revenue Growth QoQ | -1154.425 % | |
| Revenue Growth YoY | -273.309 % | |
| Revenue Growth IPRWA | high: 23.369 % mean: 4.957 % median: 4.094 % EGBN: -4.766 % low: -9.66 % |
|
| Earnings Growth | -3.478 % | |
| Earnings Growth QoQ | -99.912 % | |
| Earnings Growth YoY | -146.603 % | |
| Earnings Growth IPRWA | high: 63.889 % median: 8.235 % mean: 7.532 % EGBN: -3.478 % low: -37.5 % |
|
| MARGINS | ||
| Gross Margin | — | |
| Gross Margin QoQ | — | |
| Gross Margin YoY | — | |
| Gross Margin IPRWA | — | |
| EBIT Margin | — | |
| EBIT Margin QoQ | — | |
| EBIT Margin YoY | — | |
| EBIT Margin IPRWA | — | |
| Return On Sales (ROS) | — | |
| Return On Sales QoQ | — | |
| Return On Sales YoY | — | |
| Return On Sales IPRWA | — | |
| CASH FLOW | ||
| Free Cash Flow (FCF) | $ 15.8 M | |
| Free Cash Flow Yield | 2.634 % | |
| Free Cash Flow Yield QoQ | -150.634 % | |
| Free Cash Flow Yield YoY | -68.854 % | |
| Free Cash Flow Yield IPRWA | high: 9.814 % mean: 2.699 % median: 2.637 % EGBN: 2.634 % low: -3.401 % |
|
| Free Cash Growth | -153.937 % | |
| Free Cash Growth QoQ | -8.466 % | |
| Free Cash Growth YoY | -57539.179 % | |
| Free Cash Growth IPRWA | high: 435.53 % mean: 17.752 % median: 4.44 % EGBN: -153.937 % low: -394.679 % |
|
| Free Cash To Net Income | -0.234 | |
| Cash Flow Margin | -94.564 % | |
| Cash Flow To Earnings | 0.99 | |
| VALUE & RETURNS | ||
| Economic Value Added | $ 0.10 | |
| Return On Assets (ROA) | -0.63 % | |
| Return On Assets QoQ | -1.099 % | |
| Return On Assets YoY | -426.425 % | |
| Return On Assets IPRWA | high: 0.657 % mean: 0.305 % median: 0.301 % low: 0.027 % EGBN: -0.63 % |
|
| Return On Capital Employed (ROCE) | — | |
| Return On Equity (ROE) | -0.06 | |
| Return On Equity QoQ | 2.055 % | |
| Return On Equity YoY | -437.584 % | |
| Return On Equity IPRWA | high: 0.052 median: 0.03 mean: 0.029 low: 0.002 EGBN: -0.06 |
|
| DuPont ROE | -5.851 % | |
| Return On Invested Capital (ROIC) | — | |
| Return On Invested Capital QoQ | — | |
| Return On Invested Capital YoY | — | |
| Return On Invested Capital IPRWA | — | |