Eagle Bancorp Montana, Inc. (NASDAQ:EBMT), (the “Company,”
“Eagle”), the holding company of Opportunity Bank of Montana, today
reported first quarter net income increased 17.9% to $763,000, or
$0.20 per diluted share, compared to $647,000, or $0.17 per diluted
share, in the first quarter a year ago. In the preceding
quarter, Eagle earned $1.4 million, or $0.37 per diluted
share.
Eagle’s board of directors declared a regular
quarterly cash dividend of $0.08 per share. The dividend will
be payable June 2, 2017 to shareholders of record May 12, 2017.
The current annualized yield is 1.77% at recent market
prices.
“We started the year with another quarter of
consistent profitability, supported by a stable net interest
margin, strong loan and deposit growth, while maintaining asset
quality,” said Peter J. Johnson, President and CEO. “Western
Montana continues to benefit from a strong economy, and we are well
positioned to grow the profitability of the bank and claim
additional market share in our markets.”
First Quarter 2017 Highlights
(at or for the three-month period ended March 31, 2017, except
where noted)
- Net income grew 17.9% to $763,000, or $0.20 per diluted share
in the first quarter, compared to $647,000, or $0.17 per diluted
share in the first quarter a year ago.
- Revenues (net interest income before the provision for loan
losses, plus non-interest income) increased 11.9% to $8.7 million
compared to $7.8 million in the same period a year ago.
- Net interest margin was 3.61%, which was unchanged compared to
the preceding quarter and a 26 basis point improvement compared to
the first quarter a year ago.
- Total loans increased 15.6% to $488.9 million at March 31,
2017, compared to $422.9 million a year earlier.
- Commercial real estate loans increased 20.6% to $234.5 million,
or 48.0% of total loans at March 31, 2017, compared to $194.5
million, or 46.0% of total loans a year earlier.
- Total deposits increased 6.5% to $526.3 million at March 31,
2017, from $494.4 million a year earlier.
- Capital ratios remain strong with a tangible shareholders’
equity ratio of 11.42% at March 31, 2017.
- Declared quarterly cash dividend of $0.08 per share, providing
a 1.77% current yield at recent market prices.
Balance Sheet Results
“Loan demand remains robust, particularly in the
commercial real estate and C&I loan segments. Our local
economies are strong, and we expect the loan pipeline to continue
to expand at this pace in the near future,” said Johnson.
Total loans increased 4.9% to $488.9 million at March 31, 2017,
compared to $466.2 million three months earlier and increased 15.6%
compared to $422.9 million a year earlier.
Eagle originated $51.7 million in new
residential mortgages during the quarter, excluding construction
loans, and sold $56.6 million in residential mortgages, with an
average gross margin on sale of mortgage loans of approximately
3.26%. This production compares to residential mortgage
originations of $96.5 million in the preceding quarter with sales
of $90.6 million.
Commercial real estate loans increased 20.6% to
$234.5 million at March 31, 2017, compared to $194.5 million a year
earlier, while residential mortgage loans decreased modestly to
$112.9 million compared to $113.4 million a year
earlier. Commercial loans increased 34.5% to $54.6 million,
home equity loans increased 8.0% to $49.0 million and construction
loans increased 53.9% to $24.1 million, compared to a year ago.
Total deposits increased 6.5% to $526.3 million
at March 31, 2017, compared to $494.4 million a year earlier and
increased 2.6% compared to $512.8 million at December 31,
2016. As of quarter-end, checking and money market accounts
represent 53.8%, savings accounts represent 16.1%, and CDs comprise
30.1% of the total deposit portfolio.
Eagle’s total assets increased 6.3% to $683.7
million at March 31, 2017, compared to $643.0 million a year
earlier and increased 1.4% compared to $673.9 million three months
earlier. Shareholders’ equity increased modestly to $60.0
million at March 31, 2017, compared to $59.5 million three months
earlier and increased 6.2% compared to $56.5 million one year
earlier. Tangible book value was $13.81 per share at March
31, 2017, compared to $13.65 per share at December 31, 2016, and
$12.97 per share a year earlier.
Operating Results
“The net interest margin remained unchanged from
the preceding quarter, but increased significantly compared to the
year ago quarter, largely due to the growth in interest earning
assets over the past few months,” Johnson said. Eagle’s net
interest margin was 3.61% in the first quarter, which was unchanged
compared to the preceding quarter, and increased 26 basis points
compared to 3.35% in the first quarter a year ago. Funding
costs for the first quarter were up six basis points while asset
yields were up 32 basis points compared to a year ago. The
investment securities portfolio decreased to $127.2 million at
March 31, 2017, compared to $145.1 million a year ago, which had a
positive impact on the average yields on earning assets.
Eagle’s first quarter revenues increased 11.9%
to $8.7 million compared to $7.8 million in the first quarter a
year ago, but decreased compared to $10.2 million in the preceding
quarter. Net interest income before the provision for loan
loss increased 12.6% to $5.5 million in the first quarter compared
to $4.9 million in the first quarter one year ago, and decreased
modestly compared to $5.6 million in the preceding quarter.
Noninterest income increased 10.8% to $3.2
million in the first quarter, compared to $2.9 million in the first
quarter a year ago, but decreased compared to $4.6 million in the
preceding quarter. The net gain on sale of mortgage loans
totaled $1.8 million in the first quarter, compared to $3.0 million
in the preceding quarter and $1.7 million in the first quarter a
year ago.
First quarter noninterest expenses were $7.4
million, compared to $7.6 million in the preceding quarter and $6.5
million in the year ago quarter. Higher compensation expenses
contributed to the year-over-year increase.
Credit Quality
Eagle’s first quarter provision for loan losses
was $301,000, compared to $452,000 in the preceding quarter and
$450,000 in the first quarter a year ago. The allowance for
loan losses represented 300.1% of nonperforming loans at March 31,
2017, compared to 414.1% three months earlier and 168.7% a year
earlier. Nonperforming loans (NPLs) were $1.7 million at the
end of the first quarter, which was up compared to $1.2 million
three months earlier, and down 27.6% compared to $2.3 million a
year earlier.
Net loan recoveries were $4,000 in the first
quarter, compared to net charge offs of $332,000 in the preceding
quarter and net charge-offs of $60,000 in the first quarter a year
ago. The allowance for loan losses was $5.1 million, or 1.04%
of total loans at March 31, 2017, compared to $4.8 million, or
1.02% of total loans at December 31, 2016, and $3.9 million, or
0.93% of total loans a year ago.
Eagle’s total OREO and other repossessed assets
was $668,000 at March 31, 2017, compared to $825,000 at December
31, 2016. Nonperforming assets (NPAs), consisting of
nonperforming loans, OREO and other repossessed assets, loans
delinquent 90 days or more, and restructured loans, were $2.4
million at March 31, 2017 or 0.35% of total assets, compared to
$2.0 million, or 0.29% of total assets three months earlier and
$2.9 million, or 0.46% of total assets a year earlier.
Capital Management
Eagle Bancorp Montana continues to be well
capitalized with the ratio of shareholders’ equity to tangible
asset of 11.42% at March 31, 2017. (Shareholders’ equity,
plus trust preferred securities, subordinated debt and senior debt,
less goodwill and core deposit intangible to tangible assets).
On February 13, 2017, the Company completed the
issuance of $10 million of senior unsecured debt. The net
proceeds of $9.8 million was used as capital contribution to its
bank subsidiary to support both organic growth and opportunistic
acquisitions should appropriate opportunities arise.
About the Company
Eagle Bancorp Montana, Inc. is a bank holding
company headquartered in Helena, Montana and is the holding company
of Opportunity Bank, a community bank established in 1922 that
serves consumers and small businesses in Montana through 13 banking
offices. Additional information is available on the bank’s website
at www.opportunitybank.com. The shares of Eagle Bancorp
Montana, Inc. are traded on the NASDAQ Global Select Market under
the symbol “EBMT.”
Forward Looking Statements
This release may contain certain
"forward-looking statements" within the meaning of Section 27A of
the Securities Act of 1933 and Section 21E of the Securities
Exchange Act of 1934, and may be identified by the use of such
words as "believe," "expect," "anticipate," "should," "planned,"
"estimated," and "potential." These forward-looking statements
include, but are not limited to statements of our goals, intentions
and expectations; statements regarding our business plans,
prospects, growth and operating strategies; statements regarding
the asset quality of our loan and investment portfolios; and
estimates of our risks and future costs and benefits. These
forward-looking statements are based on current beliefs and
expectations of our management and are inherently subject to
significant business, economic and competitive uncertainties and
contingencies, many of which are beyond our control. In addition,
these forward-looking statements are subject to assumptions with
respect to future business strategies and decisions that are
subject to change. These factors include, but are not limited to,
changes in laws or government regulations or policies affecting
financial institutions, including changes in regulatory fees and
capital requirements; general economic conditions, either
nationally or in our market areas, that are worse than expected;
competition among depository and other financial institutions; loan
demand or residential and commercial real estate values in Montana;
inflation and changes in the interest rate environment that reduce
our margins or reduce the fair value of financial instruments;
adverse changes in the securities markets; and other economic,
governmental, competitive, regulatory and technological factors
that may affect our operations. Because of these and other
uncertainties, our actual future results may be materially
different from the results indicated by these forward-looking
statements. All information set forth in this press release is
current as of the date of this release and the company undertakes
no duty or obligation to update this information.
Balance Sheet |
|
|
|
|
|
|
|
(Dollars in
thousands, except per share data) |
|
|
(Unaudited) |
(Audited) |
(Unaudited) |
|
|
|
|
|
|
March 31, |
December 31, |
March 31, |
|
|
|
|
|
|
|
2017 |
|
|
2016 |
|
|
2016 |
|
|
|
|
|
|
|
|
|
(As Restated) |
Assets: |
|
|
|
|
|
|
|
|
Cash and
due from banks |
|
|
|
$ |
5,353 |
|
$ |
6,531 |
|
$ |
5,620 |
|
|
Interest-bearing deposits with banks |
|
|
|
813 |
|
|
787 |
|
|
993 |
|
|
|
Total cash
and cash equivalents |
|
|
6,166 |
|
|
7,318 |
|
|
6,613 |
|
|
Securities
available-for-sale, at market value |
|
|
|
127,212 |
|
|
128,436 |
|
|
145,070 |
|
|
FHLB stock, at
cost |
|
|
|
|
|
3,344 |
|
|
4,012 |
|
|
3,564 |
|
|
FRB stock |
|
|
|
|
|
871 |
|
|
871 |
|
|
871 |
|
|
Investment
in Eagle Bancorp Statutory Trust I |
|
|
|
155 |
|
|
155 |
|
|
155 |
|
|
Loans
held-for-sale |
|
|
|
|
|
8,432 |
|
|
18,230 |
|
|
18,284 |
|
|
Loans: |
|
|
|
|
|
|
|
|
|
Residential
mortgage (1-4 family) |
|
|
112,872 |
|
|
113,262 |
|
|
113,364 |
|
|
|
Commercial
loans |
|
|
|
54,614 |
|
|
54,706 |
|
|
40,614 |
|
|
|
Commercial
real estate |
|
|
|
234,467 |
|
|
214,927 |
|
|
194,479 |
|
|
|
Construction loans |
|
|
|
24,118 |
|
|
20,540 |
|
|
15,673 |
|
|
|
Consumer
loans |
|
|
|
14,786 |
|
|
14,800 |
|
|
14,229 |
|
|
|
Home equity |
|
|
|
|
49,037 |
|
|
49,018 |
|
|
45,404 |
|
|
|
Unearned
loan fees |
|
|
|
(1,036 |
) |
|
(1,092 |
) |
|
(882 |
) |
|
|
|
Total loans |
|
|
|
488,858 |
|
|
466,161 |
|
|
422,881 |
|
|
Allowance
for loan losses |
|
|
|
|
(5,075 |
) |
|
(4,770 |
) |
|
(3,940 |
) |
|
|
Net loans |
|
|
|
|
483,783 |
|
|
461,391 |
|
|
418,941 |
|
|
Accrued
interest and dividends receivable |
|
|
|
2,101 |
|
|
2,123 |
|
|
2,213 |
|
|
Mortgage
servicing rights, net |
|
|
|
|
5,892 |
|
|
5,853 |
|
|
4,988 |
|
|
Premises
and equipment, net |
|
|
|
|
19,750 |
|
|
19,393 |
|
|
18,145 |
|
|
Cash
surrender value of life insurance |
|
|
|
14,191 |
|
|
14,095 |
|
|
12,598 |
|
|
Real estate
and other assets acquired in settlement of loans, net |
|
668 |
|
|
825 |
|
|
606 |
|
|
Goodwill |
|
|
|
|
|
7,034 |
|
|
7,034 |
|
|
7,034 |
|
|
Core
deposit intangible |
|
|
|
|
356 |
|
|
384 |
|
|
481 |
|
|
Deferred
tax asset, net |
|
|
|
|
2,036 |
|
|
1,965 |
|
|
1,198 |
|
|
Other assets |
|
|
|
|
|
1,686 |
|
|
1,840 |
|
|
2,243 |
|
|
|
Total assets |
|
|
|
$ |
683,677 |
|
$ |
673,925 |
|
$ |
643,004 |
|
|
|
|
|
|
|
|
|
|
Liabilities: |
|
|
|
|
|
|
|
|
Deposit accounts: |
|
|
|
|
|
|
|
|
Noninterest
bearing |
|
|
|
|
|
95,737 |
|
|
82,877 |
|
|
90,517 |
|
|
Interest bearing |
|
|
|
|
|
430,548 |
|
|
429,918 |
|
|
403,877 |
|
|
|
Total
deposits |
|
|
|
526,285 |
|
|
512,795 |
|
|
494,394 |
|
|
Accrued
expense and other liabilities |
|
|
|
4,309 |
|
|
4,291 |
|
|
5,933 |
|
|
FHLB
advances and other borrowings |
|
|
|
68,266 |
|
|
82,413 |
|
|
71,204 |
|
|
Long-term debt,
net |
|
|
|
|
|
24,782 |
|
|
14,970 |
|
|
14,954 |
|
|
|
Total
liabilities |
|
|
|
623,642 |
|
|
614,469 |
|
|
586,485 |
|
|
|
|
|
|
|
|
|
|
Shareholders' Equity: |
|
|
|
|
|
|
|
|
Preferred
stock (no par value; 1,000,000 shares authorized; |
|
|
|
|
none
issued or outstanding) |
|
|
|
|
- |
|
|
- |
|
|
- |
|
|
Common
stock (par value $0.01; 8,000,000 shares
authorized; |
|
|
|
|
4,083,127 shares issued; 3,811,409, 3,811,409 and 3,779,464 shares
outstanding |
|
|
|
at
March 31, 2017, December 31, 2016 and March 31, 2016,
respectively) |
|
41 |
|
|
41 |
|
|
41 |
|
|
Additional
paid-in capital |
|
|
|
|
22,407 |
|
|
22,366 |
|
|
22,157 |
|
|
Unallocated
common stock held by employee stock ownership plan (ESOP) |
|
(767 |
) |
|
(809 |
) |
|
(933 |
) |
|
Treasury
stock, at cost (271,718, 271,718 and 303,663 shares at |
|
|
|
|
March 31, 2017, December 31, 2016 and March 31, 2016,
respectively) |
|
(2,971 |
) |
|
(2,971 |
) |
|
(3,321 |
) |
|
Retained earnings |
|
|
|
|
|
41,699 |
|
|
41,240 |
|
|
37,655 |
|
|
Accumulated
other comprehensive (loss) income |
|
|
(374 |
) |
|
(411 |
) |
|
920 |
|
|
|
Total
shareholders' equity |
|
|
60,035 |
|
|
59,456 |
|
|
56,519 |
|
|
|
Total
liabilities and shareholders' equity |
|
$ |
683,677 |
|
$ |
673,925 |
|
$ |
643,004 |
|
Income Statement |
|
|
|
(Unaudited) |
|
(Dollars in
thousands, except per share data) |
|
|
Three Months Ended |
|
|
|
|
|
|
|
March 31, |
December 31, |
March 31, |
|
|
|
|
|
|
|
|
2017 |
|
|
2016 |
|
2016 |
|
|
|
|
|
|
|
|
|
(As Restated) |
Interest
and dividend Income: |
|
|
|
|
|
|
Interest
and fees on loans |
|
|
$ |
5,570 |
|
$ |
5,589 |
$ |
4,837 |
|
Securities
available-for-sale |
|
|
|
729 |
|
|
721 |
|
747 |
|
FRB and
FHLB dividends |
|
|
|
40 |
|
|
39 |
|
31 |
|
Other
interest income |
|
|
|
1 |
|
|
2 |
|
3 |
|
|
Total
interest and dividend income |
|
|
|
6,340 |
|
|
6,351 |
|
5,618 |
Interest
Expense: |
|
|
|
|
|
|
|
Interest
expense on deposits |
|
|
|
380 |
|
|
399 |
|
355 |
|
FHLB
advances and other borrowings |
|
|
|
205 |
|
|
193 |
|
201 |
|
Long-term
debt |
|
|
|
272 |
|
|
198 |
|
194 |
|
|
Total
interest expense |
|
|
|
857 |
|
|
790 |
|
750 |
Net
interest income |
|
|
|
|
5,483 |
|
|
5,561 |
|
4,868 |
Loan loss
provision |
|
|
301 |
|
|
452 |
|
450 |
|
Net
interest income after loan loss provision |
|
|
5,182 |
|
|
5,109 |
|
4,418 |
|
|
|
|
Noninterest
income: |
|
|
|
|
|
Service
charges on deposit accounts |
|
|
232 |
|
|
226 |
|
199 |
|
Net gain on
sale of loans |
|
|
1,825 |
|
|
3,026 |
|
1,718 |
|
Mortgage
loan servicing fees |
|
|
547 |
|
|
568 |
|
363 |
|
Wealth
management income |
|
|
|
141 |
|
|
140 |
|
136 |
|
Interchange
and ATM fees |
|
|
|
206 |
|
|
221 |
|
202 |
|
Appreciation in cash surrender value of life insurance |
|
|
124 |
|
|
126 |
|
112 |
|
Net gain on
sale of available-for-sale securities |
|
|
- |
|
|
55 |
|
- |
|
Net loss on
sale of real estate owned and other repossessed property |
|
(1 |
) |
|
- |
|
- |
|
Other
noninterest income |
|
|
134 |
|
|
237 |
|
166 |
|
Total
noninterest income |
|
|
3,208 |
|
|
4,599 |
|
2,896 |
|
|
|
|
Noninterest
expense: |
|
|
|
|
|
Salaries
and employee benefits |
|
|
4,433 |
|
|
4,503 |
|
3,690 |
|
Occupancy
and equipment expense |
|
|
717 |
|
|
657 |
|
789 |
|
Data
processing |
|
|
567 |
|
|
513 |
|
548 |
|
Advertising |
|
|
189 |
|
|
166 |
|
188 |
|
Amortization of mortgage servicing fees |
|
|
262 |
|
|
410 |
|
228 |
|
Amortization of core deposit intangible and tax credits |
|
|
107 |
|
|
110 |
|
112 |
|
Federal
insurance premiums |
|
|
84 |
|
|
99 |
|
83 |
|
Postage |
|
|
48 |
|
|
46 |
|
54 |
|
Legal,
accounting and examination fees |
|
|
85 |
|
|
115 |
|
98 |
|
Consulting
fees |
|
|
49 |
|
|
41 |
|
83 |
|
Write-down
on real estate owned and other repossessed property |
|
36 |
|
|
- |
|
- |
|
Other
noninterest expense |
|
|
862 |
|
|
966 |
|
675 |
|
Total
noninterest expense |
|
|
7,439 |
|
|
7,626 |
|
6,548 |
|
|
|
|
Income
before income taxes |
|
|
|
951 |
|
|
2,082 |
|
766 |
Income tax
provision |
|
|
|
188 |
|
|
633 |
|
119 |
Net
income |
|
|
|
|
$ |
763 |
|
$ |
1,449 |
$ |
647 |
|
|
|
|
Basic
earnings per share |
|
|
$ |
0.20 |
|
$ |
0.39 |
$ |
0.17 |
Diluted
earnings per share |
|
|
$ |
0.20 |
|
$ |
0.37 |
$ |
0.17 |
Weighted
average shares |
|
|
|
|
|
outstanding
(basic EPS) |
|
|
3,811,409 |
|
|
3,800,645 |
|
3,779,464 |
Weighted
average shares |
|
|
|
|
|
outstanding
(diluted EPS) |
|
|
3,875,677 |
|
|
3,874,833 |
|
3,873,171 |
Financial Ratios and Other Data |
|
|
|
(Dollars in
thousands, except per share data) |
|
|
|
(Unaudited) |
|
March 31 |
December 31 |
March 31 |
|
|
|
|
2017 |
|
|
2016 |
|
|
2016 |
|
Asset
Quality: |
|
|
|
(as restated) |
|
Nonaccrual loans |
|
$ |
651 |
|
$ |
614 |
|
$ |
1,580 |
|
|
Loans 90
days past due |
|
998 |
|
|
495 |
|
|
710 |
|
|
Restructured loans, net |
|
42 |
|
|
43 |
|
|
45 |
|
|
|
Total nonperforming
loans |
|
1,691 |
|
|
1,152 |
|
|
2,335 |
|
|
Other real
estate owned and other repossessed assets |
|
668 |
|
|
825 |
|
|
606 |
|
|
|
Total nonperforming
assets |
$ |
2,359 |
|
$ |
1,977 |
|
$ |
2,941 |
|
|
Nonperforming loans / portfolio loans |
|
0.35 |
% |
|
0.25 |
% |
|
0.55 |
% |
|
Nonperforming assets / assets |
|
0.35 |
% |
|
0.29 |
% |
|
0.46 |
% |
|
Allowance
for loan losses / portfolio loans |
|
1.04 |
% |
|
1.02 |
% |
|
0.93 |
% |
|
Allowance /
nonperforming loans |
|
300.12 |
% |
|
414.06 |
% |
|
168.74 |
% |
|
Gross loan
charge-offs for the quarter |
$ |
9 |
|
$ |
338 |
|
$ |
63 |
|
|
Gross loan
recoveries for the quarter |
$ |
13 |
|
$ |
6 |
|
$ |
3 |
|
|
Net loan
charge-offs for the quarter |
$ |
(4 |
) |
$ |
332 |
|
$ |
60 |
|
|
|
|
|
|
|
Capital
Data (At quarter end): |
|
|
|
|
Tangible
book value per share |
$ |
13.81 |
|
$ |
13.65 |
|
$ |
12.97 |
|
|
Shares
outstanding |
|
3,811,409 |
|
|
3,811,409 |
|
|
3,779,464 |
|
|
|
|
|
|
|
|
|
|
|
|
|
Profitability Ratios (For the quarter): |
|
|
|
|
Efficiency ratio* |
|
|
84.36 |
% |
|
73.98 |
% |
|
82.90 |
% |
|
Return on
average assets |
|
0.46 |
% |
|
0.86 |
% |
|
0.41 |
% |
|
Return on
average equity |
|
5.19 |
% |
|
9.57 |
% |
|
4.48 |
% |
|
Net interest
margin |
|
|
3.61 |
% |
|
3.61 |
% |
|
3.35 |
% |
|
|
|
|
|
|
Other
Information |
|
|
|
|
|
Average
total assets for the quarter |
$ |
662,541 |
|
$ |
670,469 |
|
$ |
631,998 |
|
|
Average
total assets year to date |
$ |
662,541 |
|
$ |
654,811 |
|
$ |
631,998 |
|
|
Average
earning assets for the quarter |
$ |
607,048 |
|
$ |
615,539 |
|
$ |
581,594 |
|
|
Average
earning assets year to date |
$ |
607,048 |
|
$ |
601,824 |
|
$ |
581,594 |
|
|
Average
loans for the quarter ** |
$ |
474,439 |
|
$ |
479,229 |
|
$ |
428,408 |
|
|
Average
loans year to date ** |
$ |
474,439 |
|
$ |
456,808 |
|
$ |
428,408 |
|
|
Average
equity for the quarter |
$ |
58,752 |
|
$ |
60,544 |
|
$ |
56,767 |
|
|
Average
equity year to date |
$ |
58,752 |
|
$ |
58,754 |
|
$ |
56,767 |
|
|
Average
deposits for the quarter |
$ |
515,851 |
|
$ |
515,771 |
|
$ |
480,255 |
|
|
Average
deposits year to date |
$ |
515,851 |
|
$ |
498,224 |
|
$ |
480,255 |
|
|
|
|
|
|
|
* The
efficiency ratio is a non-GAAP ratio that is calculated by dividing
non-interest expense, exclusive of |
intangible
asset amortization, by the sum of net interest income and
non-interest income. |
|
** includes
loans held for sale |
|
|
|
Peter J. Johnson, President and CEO
(406) 457-4006
Laura F. Clark, SVP and CFO
(406) 457-4007
Eagle Bancorp Montana (NASDAQ:EBMT)
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