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EAGLE BANCORP INC (EGBN) Stock Fundamental Analysis

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

18  -0.27 (-1.48%)

After market: 18 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to EGBN. EGBN was compared to 397 industry peers in the Banks industry. Both the profitability and financial health of EGBN have multiple concerns. EGBN is valued quite cheap, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year EGBN was profitable.
EGBN had a positive operating cash flow in the past year.
EGBN had positive earnings in 4 of the past 5 years.
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's Return On Assets of -0.42% is on the low side compared to the rest of the industry. EGBN is outperformed by 94.46% of its industry peers.
EGBN's Return On Equity of -3.84% is on the low side compared to the rest of the industry. EGBN is outperformed by 94.21% 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

The Profit Margin and Operating Margin and Gross Margin are not available for EGBN so they could not be analyzed.
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.
EGBN has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, EGBN has less shares outstanding
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

The Debt to FCF ratio of EGBN is 4.85, which is a neutral value as it means it would take EGBN, 4.85 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.85, EGBN is doing worse than 69.27% of the companies in the same industry.
EGBN has a Debt/Equity ratio of 0.49. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of EGBN (0.49) is worse than 77.33% 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 -2.39% in the past year.
EGBN shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.47% yearly.
EPS 1Y (TTM)-22.31%
EPS 3Y-30.16%
EPS 5Y-15.37%
EPS Q2Q%700%
Revenue 1Y (TTM)-2.39%
Revenue growth 3Y-5.43%
Revenue growth 5Y-2.47%
Sales Q2Q%-1.12%

3.2 Future

The Earnings Per Share is expected to grow by 26.23% on average over the next years. This is a very strong growth
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

EGBN is valuated reasonably with a Price/Earnings ratio of 9.23.
EGBN's Price/Earnings ratio is rather cheap when compared to the industry. EGBN is cheaper than 81.36% of the companies in the same industry.
EGBN is valuated cheaply when we compare the Price/Earnings ratio to 23.99, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 6.01, the valuation of EGBN can be described as very cheap.
EGBN's Price/Forward Earnings ratio is rather cheap when compared to the industry. EGBN is cheaper than 93.95% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 20.35. EGBN is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.23
Fwd PE 6.01
EGBN Price Earnings VS Forward Price EarningsEGBN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, EGBN is valued cheaply inside the industry as 93.70% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 4.43
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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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.66%, EGBN has a reasonable but not impressive dividend return.
The stock price of EGBN dropped by -31.19% 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 3.49, EGBN pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, EGBN pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.66%

5.2 History

On average, the dividend of EGBN grows each year by 17.91%, which is quite nice.
EGBN has been paying a dividend for at least 10 years, so it has 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

The earnings of EGBN are negative and hence is the payout ratio. EGBN will probably not be able to sustain this dividend level.
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 (5/7/2025, 8:00:02 PM)

After market: 18 0 (0%)

18

-0.27 (-1.48%)

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-1.19%
Ins Owners2.15%
Ins Owner Change2.87%
Market Cap546.66M
Analysts47.5
Price Target26.86 (49.22%)
Short Float %8.31%
Short Ratio5.47
Dividend
Industry RankSector Rank
Dividend Yield 3.66%
Yearly Dividend1.52
Dividend Growth(5Y)17.91%
DP-96.99%
Div Incr Years5
Div Non Decr Years5
Ex-Date05-05 2025-05-05 (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)-4.82%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.45%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.16%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.68%
Valuation
Industry RankSector Rank
PE 9.23
Fwd PE 6.01
P/S 1.77
P/FCF 4.43
P/OCF 4.42
P/B 0.45
P/tB 0.45
EV/EBITDA N/A
EPS(TTM)1.95
EY10.83%
EPS(NY)3
Fwd EY16.64%
FCF(TTM)4.06
FCFY22.58%
OCF(TTM)4.08
OCFY22.64%
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)-2.39%
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%