Eagle Bancorp Montana, Inc. (EBMT) Margin Analysis

Eagle Bancorp Montana, Inc.

EBMT (NASDAQ)

(%)

Models
Eagle Bancorp Montana, Inc. Margin Analysis

# --- Years and Quarters
assumptions.set({
    "timeseries": "annual",
    "data": {
        "#years": """
            4
        """,
        "#quarters": """
            8
        """,
    },
    "titles": {
        "#years": "Years",
        "#quarters": "Quarters",
    },
    "properties": {
        "width": "responsive",
        "title": "Years and Quarters",
        "id": "component-1",
        "bindTo": None
    },
    "descriptions": {
        "#years": r"""
The number of historical years used to render the annual chart and tables.
        """,
        "#quarters": r"""
The number of historical quarters used to render the quarterly chart and tables.
        """,
    }
})

# Render description block
model.render_description({
    "data": r"""
## Margin Analysis Report

Margins refer to the ratio between a financial report item and the revenue (example: Net Income Margin = Net Income / Revenue).

This analysis provides annual and quarterly sections for reporting key financial margins.
""",
    "properties": {
        "width": "responsive"
    }
})

# Render description block
model.render_description({
    "data": r"""
## Annual Section

The annual section uses annual data to calculate margins and growth rates.
""",
    "properties": {
        "width": "full"
    }
})

# --- Income Statement Margins
data.compute({
    "user:%revenueGrowthRate": """
        ( income:revenue / income:revenue:-1 ) - 1
    """,
    "user:%grossMargin": """
        income:grossProfit / income:revenue
    """,
    "user:%operatingMargin": """
        income:operatingIncome / income:revenue
    """,
    "user:%netMargin": """
        income:netIncome / income:revenue
    """,
}, forecast=0, timeseries="annual")

model.render_table({
    "timeseries": "annual",
    "data": {
        "income:revenue": "Revenue",
        "user:%revenueGrowthRate": "Revenue Growth Rate",
        "income:costOfRevenue": "Cost of Revenue",
        "income:grossProfit": "Gross Profit",
        "user:%grossMargin": "Gross Margin",
        "income:operatingIncome": "Operating Income",
        "user:%operatingMargin": "Operating Margin",
        "income:netIncome": "Net Income",
        "user:%netMargin": "Net Margin",
    },
    "start": data.get("""
        -assumption:#years
    """),
    "end": 0,
    "properties": {
        "title": "Income Statement Margins",
        "order": "descending",
        "number_format": "M",
        "include_ltm": True,
        "display_averages": False,
        "width": "responsive"
    }
})

# --- Cash Flow Statement Margins
data.compute({
    "user:%cashFromOperatingActivitiesMargin": """
        flow:netCashProvidedByOperatingActivities / income:revenue
    """,
    "user:%freeCashFlowMargin": """
        flow:freeCashFlow / income:revenue
    """,
    "user:%depreciationAndAmortizationMargin": """
        flow:depreciationAndAmortization / income:revenue
    """,
    "user:%capitalExpenditureMargin": """
        flow:capitalExpenditure / income:revenue
    """,
}, forecast=0, timeseries="annual")

model.render_table({
    "timeseries": "annual",
    "data": {
        "income:revenue": "Revenue",
        "flow:netCashProvidedByOperatingActivities": "Cash from Operating Activities",
        "user:%cashFromOperatingActivitiesMargin": "Cash from Operating Activities Margin",
        "flow:freeCashFlow": "Free Cash Flow",
        "user:%freeCashFlowMargin": "Free Cash Flow Margin",
        "flow:depreciationAndAmortization": "Depreciation and Amortization",
        "user:%depreciationAndAmortizationMargin": "Depreciation and Amortization Margin",
        "flow:capitalExpenditure": "Capital Expenditure",
        "user:%capitalExpenditureMargin": "Capital Expenditure Margin",
    },
    "start": data.get("""
        -assumption:#years
    """),
    "end": 0,
    "properties": {
        "title": "Cash Flow Statement Margins",
        "order": "descending",
        "number_format": "M",
        "include_ltm": True,
        "display_averages": False,
        "width": "responsive"
    }
})

model.render_chart({
    "timeseries": "annual",
    "data": {
        "user:%grossMargin": "Gross Margin",
        "user:%operatingMargin": "Operating Margin",
        "user:%netMargin": "Net Margin",
        "user:%freeCashFlowMargin": "Free Cash Flow Margin",
    },
    "start": data.get("""
        -assumption:#years
    """),
    "end": 0,
    "properties": {
        "title": "Annual Chart",
        "include_ltm": False,
        "set_editable": [],
        "hidden_keys": [],
        "bar_keys": ["user:%grossMargin", "user:%operatingMargin", "user:%netMargin", "user:%freeCashFlowMargin"],
        "width": "full"
    }
})

# Render description block
model.render_description({
    "data": r"""
## Quarterly Section

The quarterly section uses quarterly data to calculate margins and growth rates.
""",
    "properties": {
        "width": "full"
    }
})

model.render_table({
    "timeseries": "quarterly",
    "data": {
        "income:revenue": "Revenue",
        "user:%revenueGrowthRate": "Revenue Growth Rate",
        "income:costOfRevenue": "Cost of Revenue",
        "income:grossProfit": "Gross Profit",
        "user:%grossMargin": "Gross Margin",
        "income:operatingIncome": "Operating Income",
        "user:%operatingMargin": "Operating Margin",
        "income:netIncome": "Net Income",
        "user:%netMargin": "Net Margin",
    },
    "start": data.get("""
        -assumption:#quarters
    """),
    "end": 0,
    "properties": {
        "title": "Income Statement Margins",
        "order": "descending",
        "number_format": "M",
        "display_averages": False,
        "width": "responsive"
    }
})

model.render_table({
    "timeseries": "quarterly",
    "data": {
        "income:revenue": "Revenue",
        "flow:netCashProvidedByOperatingActivities": "Cash from Operating Activities",
        "user:%cashFromOperatingActivitiesMargin": "Cash from Operating Activities Margin",
        "flow:freeCashFlow": "Free Cash Flow",
        "user:%freeCashFlowMargin": "Free Cash Flow Margin",
        "flow:depreciationAndAmortization": "Depreciation and Amortization",
        "user:%depreciationAndAmortizationMargin": "Depreciation and Amortization Margin",
        "flow:capitalExpenditure": "Capital Expenditure",
        "user:%capitalExpenditureMargin": "Capital Expenditure Margin",
    },
    "start": data.get("""
        -assumption:#quarters
    """),
    "end": 0,
    "properties": {
        "title": "Cash Flow Statement Margins",
        "order": "descending",
        "number_format": "M",
        "display_averages": False,
        "width": "responsive"
    }
})

model.render_chart({
    "timeseries": "quarterly",
    "data": {
        "user:%grossMargin": "Gross Margin",
        "user:%operatingMargin": "Operating Margin",
        "user:%netMargin": "Net Margin",
        "user:%freeCashFlowMargin": "Free Cash Flow Margin",
    },
    "start": data.get("""
        -assumption:#quarters
    """),
    "end": 0,
    "properties": {
        "title": "Quarterly Chart",
        "set_editable": [],
        "hidden_keys": [],
        "bar_keys": ["user:%grossMargin", "user:%operatingMargin", "user:%netMargin", "user:%freeCashFlowMargin"],
        "width": "full"
    }
})

Years and Quarters

Years Years The number of historical years used to render the annual chart and tables.	#
Quarters Quarters The number of historical quarters used to render the quarterly chart and tables.	#

Margin Analysis Report

Margins refer to the ratio between a financial report item and the revenue (example: Net Income Margin = Net Income / Revenue).

This analysis provides annual and quarterly sections for reporting key financial margins.

Annual Section

The annual section uses annual data to calculate margins and growth rates.

Income Statement Margins

Monetary values in USD amounts except #	LTM Apr 20	2025 Dec 31	2024 Dec 31	2023 Dec 31	2022 Dec 31
Revenue	126	126	120.4	112.5	93.65
Revenue Growth Rate	0%	4.61%	7.09%	20.08%	0.485%
Cost of Revenue	36.66	36.66	41.29	30.59	8.15
Gross Profit	89.32	89.32	79.13	81.86	85.5
Gross Margin	70.9%	70.9%	65.71%	72.79%	91.3%
Operating Income	18.93	18.93	11.39	11.65	13.85
Operating Margin	15.03%	15.03%	9.46%	10.36%	14.79%
Net Income	14.84	14.84	9.78	10.06	10.7
Net Margin	11.78%	11.78%	8.12%	8.94%	11.43%

Cash Flow Statement Margins

Monetary values in USD amounts except #	LTM Apr 20	2025 Dec 31	2024 Dec 31	2023 Dec 31	2022 Dec 31
Revenue	126	126	120.4	112.5	93.65
Cash from Operating Activities	33.13	33.13	28.54	9.35	41.91
Cash from Operating Activities Margin	26.3%	26.3%	23.7%	8.31%	44.75%
Free Cash Flow	28.34	28.34	14.46	-4.84	25.15
Free Cash Flow Margin	22.5%	22.5%	12.01%	-4.31%	26.86%
Depreciation and Amortization	19.06	6.03	8.89	7.89	7.71
Depreciation and Amortization Margin	15.13%	4.78%	7.38%	7.02%	8.23%
Capital Expenditure	-4.78	-4.78	-14.08	-14.19	-16.76
Capital Expenditure Margin	-3.8%	-3.8%	-11.69%	-12.62%	-17.9%

Annual Chart

Monetary values in USD

{"sectionId": "section-chart-1", "sectionType": "chart", "title": "Annual Chart", "timeseries": "annual", "series": [{"label": "Gross Margin", "mappingKey": "user:%grossMargin", "data": [{"l": "2022", "x": "2022-12-31", "y": 91.3}, {"l": "2023", "x": "2023-12-31", "y": 72.79}, {"l": "2024", "x": "2024-12-31", "y": 65.71}, {"l": "2025", "x": "2025-12-31", "y": 70.9}], "dataType": "%", "displayAs": "bar", "dataTimeseries": "annual", "hidden": false}, {"label": "Operating Margin", "mappingKey": "user:%operatingMargin", "data": [{"l": "2022", "x": "2022-12-31", "y": 14.79}, {"l": "2023", "x": "2023-12-31", "y": 10.36}, {"l": "2024", "x": "2024-12-31", "y": 9.46}, {"l": "2025", "x": "2025-12-31", "y": 15.03}], "dataType": "%", "displayAs": "bar", "dataTimeseries": "annual", "hidden": false}, {"label": "Net Margin", "mappingKey": "user:%netMargin", "data": [{"l": "2022", "x": "2022-12-31", "y": 11.43}, {"l": "2023", "x": "2023-12-31", "y": 8.94}, {"l": "2024", "x": "2024-12-31", "y": 8.12}, {"l": "2025", "x": "2025-12-31", "y": 11.78}], "dataType": "%", "displayAs": "bar", "dataTimeseries": "annual", "hidden": false}, {"label": "Free Cash Flow Margin", "mappingKey": "user:%freeCashFlowMargin", "data": [{"l": "2022", "x": "2022-12-31", "y": 26.86}, {"l": "2023", "x": "2023-12-31", "y": -4.31}, {"l": "2024", "x": "2024-12-31", "y": 12.01}, {"l": "2025", "x": "2025-12-31", "y": 22.5}], "dataType": "%", "displayAs": "bar", "dataTimeseries": "annual", "hidden": false}], "editableDates": {}, "properties": {"display_table": false}, "width": "full"}

Quarterly Section

The quarterly section uses quarterly data to calculate margins and growth rates.

Income Statement Margins

Monetary values in USD amounts except #	2025 (Q4) Dec 31	2025 (Q3) Sep 30	2025 (Q2) Jun 30	2025 (Q1) Mar 31	2024 (Q4) Dec 31	2024 (Q3) Sep 30
Revenue	32.49	32.17	31.6	29.71	30.89	31.36
Revenue Growth Rate	0.998%	1.79%	6.36%	-3.8%	-1.5%
Cost of Revenue	8.2	9.21	10.04	9.21	9.86	11.23
Gross Profit	24.29	22.96	21.56	20.5	20.99	20.12
Gross Margin	74.77%	71.38%	68.22%	69.01%	67.96%	64.17%
Operating Income	6.12	4.96	3.99	3.87	3.7	3.24
Operating Margin	18.83%	15.41%	12.62%	13.02%	11.99%	10.33%
Net Income	4.73	3.63	3.24	3.24	3.43	2.71
Net Margin	14.56%	11.28%	10.24%	10.9%	11.11%	8.64%

Cash Flow Statement Margins

Monetary values in USD amounts except #	2025 (Q4) Dec 31	2025 (Q3) Sep 30	2025 (Q2) Jun 30	2025 (Q1) Mar 31	2024 (Q4) Dec 31	2024 (Q3) Sep 30
Revenue	32.49	32.17	31.6	29.71	30.89	31.36
Cash from Operating Activities	20.54	8.96	1.75	1.88	15.56	2.59
Cash from Operating Activities Margin	63.22%	27.84%	5.53%	6.34%	50.38%	8.26%
Free Cash Flow	19.61	7.09	1.39	0.262	12.24	-0.749
Free Cash Flow Margin	60.34%	22.04%	4.39%	0.882%	39.63%	-2.39%
Depreciation and Amortization	12.49	2.19	2.28	2.09	2.22	2.26
Depreciation and Amortization Margin	38.45%	6.82%	7.22%	7.04%	7.19%	7.2%
Capital Expenditure	-0.934	-1.87	-0.359	-1.62	-3.32	-3.34
Capital Expenditure Margin	-2.88%	-5.8%	-1.14%	-5.46%	-10.76%	-10.65%

Quarterly Chart

Monetary values in USD

{"sectionId": "section-chart-2", "sectionType": "chart", "title": "Quarterly Chart", "timeseries": "quarterly", "series": [{"label": "Gross Margin", "mappingKey": "user:%grossMargin", "data": [{"l": "2024 (Q3)", "x": "2024-09-30", "y": 64.17}, {"l": "2024 (Q4)", "x": "2024-12-31", "y": 67.96}, {"l": "2025 (Q1)", "x": "2025-03-31", "y": 69.01}, {"l": "2025 (Q2)", "x": "2025-06-30", "y": 68.22}, {"l": "2025 (Q3)", "x": "2025-09-30", "y": 71.38}, {"l": "2025 (Q4)", "x": "2025-12-31", "y": 74.77}], "dataType": "%", "displayAs": "bar", "dataTimeseries": "quarterly", "hidden": false}, {"label": "Operating Margin", "mappingKey": "user:%operatingMargin", "data": [{"l": "2024 (Q3)", "x": "2024-09-30", "y": 10.33}, {"l": "2024 (Q4)", "x": "2024-12-31", "y": 11.99}, {"l": "2025 (Q1)", "x": "2025-03-31", "y": 13.02}, {"l": "2025 (Q2)", "x": "2025-06-30", "y": 12.62}, {"l": "2025 (Q3)", "x": "2025-09-30", "y": 15.41}, {"l": "2025 (Q4)", "x": "2025-12-31", "y": 18.83}], "dataType": "%", "displayAs": "bar", "dataTimeseries": "quarterly", "hidden": false}, {"label": "Net Margin", "mappingKey": "user:%netMargin", "data": [{"l": "2024 (Q3)", "x": "2024-09-30", "y": 8.64}, {"l": "2024 (Q4)", "x": "2024-12-31", "y": 11.11}, {"l": "2025 (Q1)", "x": "2025-03-31", "y": 10.9}, {"l": "2025 (Q2)", "x": "2025-06-30", "y": 10.24}, {"l": "2025 (Q3)", "x": "2025-09-30", "y": 11.28}, {"l": "2025 (Q4)", "x": "2025-12-31", "y": 14.56}], "dataType": "%", "displayAs": "bar", "dataTimeseries": "quarterly", "hidden": false}, {"label": "Free Cash Flow Margin", "mappingKey": "user:%freeCashFlowMargin", "data": [{"l": "2024 (Q3)", "x": "2024-09-30", "y": -2.39}, {"l": "2024 (Q4)", "x": "2024-12-31", "y": 39.63}, {"l": "2025 (Q1)", "x": "2025-03-31", "y": 0.882}, {"l": "2025 (Q2)", "x": "2025-06-30", "y": 4.39}, {"l": "2025 (Q3)", "x": "2025-09-30", "y": 22.04}, {"l": "2025 (Q4)", "x": "2025-12-31", "y": 60.34}], "dataType": "%", "displayAs": "bar", "dataTimeseries": "quarterly", "hidden": false}], "editableDates": {}, "properties": {"display_table": false}, "width": "full"}