EGBN Fundamental Analysis - EAGLE BANCORP INC

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to EGBN. EGBN was compared to 391 industry peers in the Banks industry. EGBN may be in some trouble as it scores bad on both profitability and health. EGBN is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year EGBN has reported negative net income.

EGBN had a positive operating cash flow in the past year.

EGBN had positive earnings in 4 of the past 5 years.

Each year in the past 5 years EGBN had a positive operating cash flow.

1.2 Ratios

The Return On Assets of EGBN (-0.29%) is worse than 92.58% of its industry peers.

EGBN's Return On Equity of -2.62% is on the low side compared to the rest of the industry. EGBN is outperformed by 92.84% of its industry peers.

		Industry Rank	Sector Rank
ROA	-0.29%
ROE	-2.62%
ROIC	N/A

ROA(3y)0.57%

ROA(5y)0.88%

ROE(3y)5.18%

ROE(5y)7.85%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

EGBN does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

EGBN does not have a ROIC to compare to the WACC, probably because it is not profitable.

EGBN has more shares outstanding than it did 1 year ago.

The number of shares outstanding for EGBN has been reduced compared to 5 years ago.

Compared to 1 year ago, EGBN has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of EGBN is 1.26, which is an excellent value as it means it would take EGBN, only 1.26 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 1.26, EGBN is in the better half of the industry, outperforming 64.19% of the companies in the same industry.

A Debt/Equity ratio of 0.08 indicates that EGBN is not too dependend on debt financing.

EGBN has a better Debt to Equity ratio (0.08) than 73.66% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.08
Debt/FCF	1.26
Altman-Z	N/A

ROIC/WACCN/A

WACC19.2%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for EGBN have decreased strongly by -145.54% in the last year.

EGBN shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -15.37% yearly.

EGBN shows a decrease in Revenue. In the last year, the revenue decreased by -2.02%.

Measured over the past years, EGBN shows a decrease in Revenue. The Revenue has been decreasing by -2.47% on average per year.

EPS 1Y (TTM)-145.54%

EPS 3Y-30.16%

EPS 5Y-15.37%

EPS Q2Q%-443.28%

Revenue 1Y (TTM)-2.02%

Revenue growth 3Y-5.43%

Revenue growth 5Y-2.47%

Sales Q2Q%-5.01%

3.2 Future

Based on estimates for the next years, EGBN will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.44% on average per year.

EGBN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.31% yearly.

EPS Next Y-227.36%

EPS Next 2Y-3.96%

EPS Next 3Y12.44%

EPS Next 5YN/A

Revenue Next Year-2.11%

Revenue Next 2Y3.59%

Revenue Next 3Y5.31%

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

EGBN reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.

Based on the Price/Forward Earnings ratio of 11.68, the valuation of EGBN can be described as reasonable.

Based on the Price/Forward Earnings ratio, EGBN is valued a bit more expensive than 62.40% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.73, EGBN is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	11.68

4.2 Price Multiples

EGBN's Price/Free Cash Flow ratio is rather cheap when compared to the industry. EGBN is cheaper than 83.38% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	7.78
EV/EBITDA	N/A

4.3 Compensation for Growth

A more expensive valuation may be justified as EGBN's earnings are expected to grow with 12.44% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-3.96%

EPS Next 3Y12.44%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.31%, EGBN has a reasonable but not impressive dividend return.

EGBN's Dividend Yield is a higher than the industry average which is at 3.56.

EGBN's Dividend Yield is a higher than the S&P500 average which is at 2.45.

		Industry Rank	Sector Rank
Dividend Yield	3.31%

5.2 History

On average, the dividend of EGBN grows each year by 17.91%, which is quite nice.

EGBN has paid a dividend for at least 10 years, which is a reliable track record.

EGBN has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.

Dividend Growth(5Y)17.91%

Div Incr Years5

Div Non Decr Years5

5.3 Sustainability

EGBN has negative earnings and hence a negative payout ratio. The dividend may be in danger.

The dividend of EGBN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP-92.15%

EPS Next 2Y-3.96%

EPS Next 3Y12.44%

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EAGLE BANCORP INC

NASDAQ:EGBN (9/12/2025, 8:00:01 PM)

After market: 20.26 0 (0%)

20.26

-0.28 (-1.36%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-23 2025-07-23/amc

Earnings (Next)10-21 2025-10-21/amc

Inst Owners78.43%

Inst Owner Change-2.36%

Ins Owners7.56%

Ins Owner Change0%

Market Cap615.30M

Analysts78

Price Target20.72 (2.27%)

Short Float %7.78%

Short Ratio3.74

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.31%

Yearly Dividend1.52

Dividend Growth(5Y)17.91%

DP-92.15%

Div Incr Years5

Div Non Decr Years5

Ex-Date08-08 2025-08-08 (0.165)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-351.62%

Min EPS beat(2)-615.41%

Max EPS beat(2)-87.83%

EPS beat(4)2

Avg EPS beat(4)-160.69%

Min EPS beat(4)-615.41%

Max EPS beat(4)60.43%

EPS beat(8)4

Avg EPS beat(8)-83.6%

EPS beat(12)6

Avg EPS beat(12)-54.8%

EPS beat(16)9

Avg EPS beat(16)-39.92%

Revenue beat(2)0

Avg Revenue beat(2)-7.74%

Min Revenue beat(2)-10.39%

Max Revenue beat(2)-5.1%

Revenue beat(4)0

Avg Revenue beat(4)-9.43%

Min Revenue beat(4)-13.86%

Max Revenue beat(4)-5.1%

Revenue beat(8)2

Avg Revenue beat(8)-5.15%

Revenue beat(12)4

Avg Revenue beat(12)-3.54%

Revenue beat(16)8

Avg Revenue beat(16)-1.34%

PT rev (1m)-6.61%

PT rev (3m)-15.36%

EPS NQ rev (1m)-68.75%

EPS NQ rev (3m)-120.77%

EPS NY rev (1m)-241.42%

EPS NY rev (3m)-222.27%

Revenue NQ rev (1m)3.37%

Revenue NQ rev (3m)-5.47%

Revenue NY rev (1m)-0.72%

Revenue NY rev (3m)-6.34%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	11.68
P/S	2.04
P/FCF	7.78
P/OCF	7.67
P/B	0.52
P/tB	0.52
EV/EBITDA	N/A

EPS(TTM)-1.02

EYN/A

EPS(NY)1.73

Fwd EY8.56%

FCF(TTM)2.6

FCFY12.85%

OCF(TTM)2.64

OCFY13.04%

SpS9.93

BVpS39.02

TBVpS39.02

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-0.29%
ROE	-2.62%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM	26.21%

ROA(3y)0.57%

ROA(5y)0.88%

ROE(3y)5.18%

ROE(5y)7.85%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.08
Debt/FCF	1.26
Debt/EBITDA	N/A
Cap/Depr	34.97%
Cap/Sales	0.38%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC19.2%

ROIC/WACCN/A

Cap/Depr(3y)25.28%

Cap/Depr(5y)45.47%

Cap/Sales(3y)0.24%

Cap/Sales(5y)0.59%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-145.54%

EPS 3Y-30.16%

EPS 5Y-15.37%

EPS Q2Q%-443.28%

EPS Next Y-227.36%

EPS Next 2Y-3.96%

EPS Next 3Y12.44%

EPS Next 5YN/A

Revenue 1Y (TTM)-2.02%

Revenue growth 3Y-5.43%

Revenue growth 5Y-2.47%

Sales Q2Q%-5.01%

Revenue Next Year-2.11%

Revenue Next 2Y3.59%

Revenue Next 3Y5.31%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-50.76%

FCF growth 3Y-19.09%

FCF growth 5Y-1.01%

OCF growth 1Y-50.53%

OCF growth 3Y-19.63%

OCF growth 5Y-1.38%

EAGLE BANCORP INC (EGBN) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens