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EAGLE BANCORP INC (EGBN) Stock Fundamental Analysis

NASDAQ:EGBN - Nasdaq - US2689481065 - Common Stock - Currency: USD

17.74  -1.04 (-5.54%)

After market: 17.68 -0.06 (-0.34%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to EGBN. EGBN was compared to 398 industry peers in the Banks industry. EGBN may be in some trouble as it scores bad on both profitability and health. EGBN has a bad growth rate and is valued cheaply.


Dividend Valuation Growth Profitability Health

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2

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.
Of the past 5 years EGBN 4 years were profitable.
In the past 5 years EGBN always reported a positive cash flow from operatings.
EGBN Yearly Net Income VS EBIT VS OCF VS FCFEGBN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M 200M

1.2 Ratios

EGBN has a worse Return On Assets (-0.42%) than 94.47% of its industry peers.
EGBN has a Return On Equity of -3.84%. This is amonst the worse of the industry: EGBN underperforms 94.22% of its industry peers.
Industry RankSector Rank
ROA -0.42%
ROE -3.84%
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
EGBN Yearly ROA, ROE, ROICEGBN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

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 RankSector 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
EGBN Yearly Profit, Operating, Gross MarginsEGBN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40

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2

2. Health

2.1 Basic Checks

EGBN does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, EGBN has more shares outstanding
EGBN has less shares outstanding than it did 5 years ago.
The debt/assets ratio for EGBN has been reduced compared to a year ago.
EGBN Yearly Shares OutstandingEGBN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
EGBN Yearly Total Debt VS Total AssetsEGBN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

EGBN has a debt to FCF ratio of 4.85. This is a neutral value as EGBN would need 4.85 years to pay back of all of its debts.
EGBN has a worse Debt to FCF ratio (4.85) than 69.60% of its industry peers.
A Debt/Equity ratio of 0.49 indicates that EGBN is not too dependend on debt financing.
EGBN's Debt to Equity ratio of 0.49 is on the low side compared to the rest of the industry. EGBN is outperformed by 76.88% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.49
Debt/FCF 4.85
Altman-Z N/A
ROIC/WACCN/A
WACC17.46%
EGBN Yearly LT Debt VS Equity VS FCFEGBN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
EGBN Yearly Current Assets VS Current LiabilitesEGBN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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3

3. Growth

3.1 Past

The earnings per share for EGBN have decreased strongly by -22.31% 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.
The Revenue has decreased by -1.11% in the past year.
The Revenue has been decreasing by -2.47% on average over the past years.
EPS 1Y (TTM)-22.31%
EPS 3Y-30.16%
EPS 5Y-15.37%
EPS Q2Q%700%
Revenue 1Y (TTM)-1.11%
Revenue growth 3Y-5.43%
Revenue growth 5Y-2.47%
Sales Q2Q%-1.12%

3.2 Future

EGBN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 26.23% yearly.
The Revenue is expected to grow by 6.57% on average over the next years.
EPS Next Y29.31%
EPS Next 2Y26.23%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.73%
Revenue Next 2Y6.57%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.
EGBN Yearly Revenue VS EstimatesEGBN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M
EGBN Yearly EPS VS EstimatesEGBN Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

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8

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.10, which indicates a very decent valuation of EGBN.
82.66% of the companies in the same industry are more expensive than EGBN, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 28.78. EGBN is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 5.92 indicates a rather cheap valuation of EGBN.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EGBN indicates a rather cheap valuation: EGBN is cheaper than 94.47% of the companies listed in the same industry.
EGBN is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.32, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.1
Fwd PE 5.92
EGBN Price Earnings VS Forward Price EarningsEGBN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of EGBN indicates a rather cheap valuation: EGBN is cheaper than 93.72% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 4.36
EV/EBITDA N/A
EGBN Per share dataEGBN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as EGBN's earnings are expected to grow with 26.23% in the coming years.
PEG (NY)0.31
PEG (5Y)N/A
EPS Next 2Y26.23%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

EGBN has a Yearly Dividend Yield of 3.51%.
The stock price of EGBN dropped by -30.32% 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.
Compared to an average industry Dividend Yield of 3.52, EGBN has a dividend in line with its industry peers.
EGBN's Dividend Yield is a higher than the S&P500 average which is at 2.46.
Industry RankSector Rank
Dividend Yield 3.51%

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.
As EGBN did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)17.91%
Div Incr Years5
Div Non Decr Years5
EGBN Yearly Dividends per shareEGBN Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

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 earnings are growing more, so the dividend growth is sustainable.
DP-96.99%
EPS Next 2Y26.23%
EPS Next 3YN/A
EGBN Yearly Income VS Free CF VS DividendEGBN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M 200M

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EAGLE BANCORP INC

NASDAQ:EGBN (4/25/2025, 8:03:06 PM)

After market: 17.68 -0.06 (-0.34%)

17.74

-1.04 (-5.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/amc
Earnings (Next)07-22 2025-07-22/amc
Inst Owners79.23%
Inst Owner Change-47.24%
Ins Owners2.15%
Ins Owner Change2.87%
Market Cap538.76M
Analysts47.5
Price Target26.86 (51.41%)
Short Float %7.42%
Short Ratio4.98
Dividend
Industry RankSector Rank
Dividend Yield 3.51%
Yearly Dividend1.52
Dividend Growth(5Y)17.91%
DP-96.99%
Div Incr Years5
Div Non Decr Years5
Ex-Date02-07 2025-02-07 (0.165)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)30.23%
Min EPS beat(2)0.04%
Max EPS beat(2)60.43%
EPS beat(4)3
Avg EPS beat(4)3.34%
Min EPS beat(4)-101.66%
Max EPS beat(4)60.43%
EPS beat(8)5
Avg EPS beat(8)4.71%
EPS beat(12)7
Avg EPS beat(12)3.48%
EPS beat(16)11
Avg EPS beat(16)5.95%
Revenue beat(2)0
Avg Revenue beat(2)-11.11%
Min Revenue beat(2)-13.86%
Max Revenue beat(2)-8.36%
Revenue beat(4)0
Avg Revenue beat(4)-7.5%
Min Revenue beat(4)-13.86%
Max Revenue beat(4)-1.05%
Revenue beat(8)2
Avg Revenue beat(8)-4.58%
Revenue beat(12)6
Avg Revenue beat(12)-1.59%
Revenue beat(16)10
Avg Revenue beat(16)1.09%
PT rev (1m)-8.67%
PT rev (3m)-9.2%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-11.32%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.17%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.68%
Valuation
Industry RankSector Rank
PE 9.1
Fwd PE 5.92
P/S 1.75
P/FCF 4.36
P/OCF 4.35
P/B 0.44
P/tB 0.44
EV/EBITDA N/A
EPS(TTM)1.95
EY10.99%
EPS(NY)3
Fwd EY16.89%
FCF(TTM)4.06
FCFY22.91%
OCF(TTM)4.08
OCFY22.97%
SpS10.16
BVpS40.37
TBVpS40.37
PEG (NY)0.31
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.42%
ROE -3.84%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 40%
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-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.49
Debt/FCF 4.85
Debt/EBITDA N/A
Cap/Depr 10.19%
Cap/Sales 0.11%
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-Score4
WACC17.46%
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)-22.31%
EPS 3Y-30.16%
EPS 5Y-15.37%
EPS Q2Q%700%
EPS Next Y29.31%
EPS Next 2Y26.23%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.11%
Revenue growth 3Y-5.43%
Revenue growth 5Y-2.47%
Sales Q2Q%-1.12%
Revenue Next Year4.73%
Revenue Next 2Y6.57%
Revenue Next 3YN/A
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-36.88%
FCF growth 3Y-19.09%
FCF growth 5Y-1.01%
OCF growth 1Y-36.73%
OCF growth 3Y-19.63%
OCF growth 5Y-1.38%