EAGLE BANCORP INC (EGBN)
US2689481065 - Common Stock
We assign a fundamental rating of 3 out of 10 to EGBN. EGBN was compared to 412 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
EGBN had positive earnings in the past year.
EGBN had a positive operating cash flow in the past year.
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 (0.86%) which is comparable to the rest of the industry.
EGBN has a Return On Equity of 7.89%. This is in the lower half of the industry: EGBN underperforms 60.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.86% | ||
| ROE | 7.89% | ||
| 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
With an excellent Profit Margin value of 32.21%, EGBN belongs to the best of the industry, outperforming 83.98% 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) | 32.21% | ||
| 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 7.16. This is a slightly negative value and a sign of low solvency as EGBN would need 7.16 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 7.16, EGBN is doing worse than 75.00% of the companies in the same industry.
EGBN has a Debt/Equity ratio of 1.10. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.10, EGBN is doing worse than 84.95% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.1 | ||
| Debt/FCF | 7.16 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.25%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for EGBN have decreased strongly by -29.49% in the last year.
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 -12.46%.
The Revenue has been decreasing by -1.68% on average over the past years.
EPS 1Y (TTM)-29.49%
EPS 3Y-6.9%
EPS 5Y-5.68%
EPS growth Q2Q-49.24%
Revenue 1Y (TTM)-12.46%
Revenue growth 3Y-5.29%
Revenue growth 5Y-1.68%
Revenue growth Q2Q-16.54%
3.2 Future
Based on estimates for the next years, EGBN will show a decrease in Earnings Per Share. The EPS will decrease by -8.65% on average per year.
EGBN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.59% yearly.
EPS Next Y-26.23%
EPS Next 2Y-8.65%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.25%
Revenue Next 2Y6.59%
Revenue Next 3YN/A
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 decreasing.
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 6.07 indicates a rather cheap valuation of EGBN.
Based on the Price/Earnings ratio, EGBN is valued cheaply inside the industry as 91.99% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.73, EGBN is valued rather cheaply.
A Price/Forward Earnings ratio of 8.23 indicates a reasonable valuation of EGBN.
80.34% of the companies in the same industry are more expensive than EGBN, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.41, EGBN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.07 | ||
| Fwd PE | 8.23 |
4.2 Price Multiples
EGBN's Price/Free Cash Flow ratio is rather cheap when compared to the industry. EGBN is cheaper than 95.15% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.09 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as EGBN's earnings are expected to decrease with -8.65% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-8.65%
EPS Next 3YN/A
5. Dividend
5.1 Amount
EGBN has a Yearly Dividend Yield of 9.10%, which is a nice return.
EGBN's Dividend Yield is rather good when compared to the industry average which is at 3.76. EGBN pays more dividend than 99.76% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, EGBN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.1% |
5.2 History
EGBN has been paying a dividend for at least 10 years, so it has 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
54.71% of the earnings are spent on dividend by EGBN. This is a bit on the high side, but may be sustainable.
DP54.71%
EPS Next 2Y-8.65%
EPS Next 3YN/A
EAGLE BANCORP INC
NASDAQ:EGBN (5/3/2024, 7:00:01 PM)
After market: 20.03 0 (0%)20.03
+0.24 (+1.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap604.71M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.1% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
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 | 6.07 | ||
| Fwd PE | 8.23 | ||
| 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 | 0.86% | ||
| ROE | 7.89% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 32.21% | ||
| 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 | 1.1 | ||
| 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)
Growth
EPS 1Y (TTM)-29.49%
EPS 3Y-6.9%
EPS 5Y
EPS growth Q2Q
EPS Next Y-26.23%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-12.46%
Revenue growth 3Y-5.29%
Revenue growth 5Y
Revenue growth 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