EAGLE BANCORP INC (EGBN)
US2689481065 - Common Stock
EGBN gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 411 industry peers in the Banks industry. EGBN has a bad profitability rating. Also its financial health evaluation is rather negative. EGBN has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year EGBN was profitable.
In the past year EGBN had a positive cash flow from operations.
Each year in the past 5 years EGBN has been profitable.
EGBN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
EGBN has a Return On Assets of 0.65%. This is in the lower half of the industry: EGBN underperforms 66.91% of its industry peers.
Looking at the Return On Equity, with a value of 6.03%, EGBN is doing worse than 72.02% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.65% | ||
| ROE | 6.03% | ||
| ROIC | N/A |
ROA(3y)1.21%
ROA(5y)1.28%
ROE(3y)10.81%
ROE(5y)11.02%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 24.37%, EGBN is in line with its industry, outperforming 55.47% of the companies in the same industry.
EGBN's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for EGBN so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.37% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.63%
PM growth 5Y-6.4%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
EGBN does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for EGBN has been reduced compared to 1 year ago.
Compared to 5 years ago, EGBN has less shares outstanding
Compared to 1 year ago, EGBN has a worse debt to assets ratio.
2.2 Solvency
EGBN has a debt to FCF ratio of 8.03. This is a slightly negative value and a sign of low solvency as EGBN would need 8.03 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 8.03, EGBN is doing worse than 75.67% of the companies in the same industry.
EGBN has a Debt/Equity ratio of 0.88. This is a neutral value indicating EGBN is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.88, EGBN is doing worse than 84.18% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.88 | ||
| Debt/FCF | 8.03 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.24%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
EGBN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -37.87%.
The Earnings Per Share has been decreasing by -5.68% on average over the past years.
EGBN shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.27%.
The Revenue has been decreasing by -1.68% on average over the past years.
EPS 1Y (TTM)-37.87%
EPS 3Y-6.9%
EPS 5Y-5.68%
EPS Q2Q%-101.28%
Revenue 1Y (TTM)-10.27%
Revenue growth 3Y-5.29%
Revenue growth 5Y-1.68%
Sales Q2Q%-5.11%
3.2 Future
EGBN is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -12.10% yearly.
EGBN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.67% yearly.
EPS Next Y-48.07%
EPS Next 2Y-12.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.12%
Revenue Next 2Y5.67%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 7.18 indicates a rather cheap valuation of EGBN.
Compared to the rest of the industry, the Price/Earnings ratio of EGBN indicates a rather cheap valuation: EGBN is cheaper than 88.81% of the companies listed in the same industry.
EGBN is valuated cheaply when we compare the Price/Earnings ratio to 28.05, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 7.07, the valuation of EGBN can be described as very cheap.
Based on the Price/Forward Earnings ratio, EGBN is valued cheaply inside the industry as 86.13% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.07, EGBN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.18 | ||
| Fwd PE | 7.07 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, EGBN is valued cheaper than 93.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.95 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as EGBN's earnings are expected to decrease with -12.10% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-12.1%
EPS Next 3YN/A
5. Dividend
5.1 Amount
EGBN has a Yearly Dividend Yield of 10.32%, which is a nice return.
The stock price of EGBN dropped by -23.63% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
EGBN's Dividend Yield is rather good when compared to the industry average which is at 3.78. EGBN pays more dividend than 99.51% of the companies in the same industry.
EGBN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.32% |
5.2 History
EGBN has paid a dividend for at least 10 years, which is a reliable track record.
EGBN has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years4
Div Non Decr Years4
5.3 Sustainability
EGBN pays out 71.83% of its income as dividend. This is not a sustainable payout ratio.
DP71.83%
EPS Next 2Y-12.1%
EPS Next 3YN/A
EAGLE BANCORP INC
NASDAQ:EGBN (5/31/2024, 7:00:00 PM)
After market: 18.03 0 (0%)18.03
+0.58 (+3.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap544.33M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.32% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
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EPS beat(8)
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EPS beat(16)
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Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.18 | ||
| Fwd PE | 7.07 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.65% | ||
| ROE | 6.03% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 24.37% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.88 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-37.87%
EPS 3Y-6.9%
EPS 5Y
EPS Q2Q%
EPS Next Y-48.07%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-10.27%
Revenue growth 3Y-5.29%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y