Eagle Bancorp Q4 net income $3.4M ($0.44 EPS) up 58% YoY; NIM expands to 3.59%

Eagle Bancorp Montana, Inc.

2024-FY EPS reported $1.24

Q4 net income $3.4M ($0.44 diluted EPS) vs $2.7M ($0.34) Q3'24 and $2.2M ($0.28) Q4'23; full year $9.8M ($1.24) vs $10.1M ($1.29).
Net interest margin 3.59%, up 27 bps YoY and 25 bps QoQ; funding costs fell to 2.69% from 2.89% Q3.
Total deposits $1.68B (+$46M YoY, +$31M QoQ); uninsured deposits 19%; no brokered CDs at year end.
Allowance for credit losses 437.7% of NPLs; nonperforming loans fell to $3.9M from $8.4M a year ago; provision recapture of $36k.
Q4 dividend $0.1425/share declared, payable Mar 7, record Feb 14; annualized yield 3.93% based on recent prices.

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