EAGLE BANCORP INC (EGBN) Fundamental Analysis & Valuation

NASDAQ:EGBN • US2689481065

Current stock price

24.51 USD
-0.35 (-1.41%)
At close:
24.51 USD
0 (0%)
After Hours:

This EGBN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. EGBN Profitability Analysis

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.
  • In multiple years EGBN reported negative net income over the last 5 years.
  • EGBN had a positive operating cash flow in each of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M

1.2 Ratios

  • EGBN has a Return On Assets of -1.32%. This is amonst the worse of the industry: EGBN underperforms 95.26% of its industry peers.
  • Looking at the Return On Equity, with a value of -12.20%, EGBN is doing worse than 95.26% of the companies in the same industry.
Industry RankSector Rank
ROA -1.32%
ROE -12.2%
ROIC N/A
ROA(3y)-0.29%
ROA(5y)0.38%
ROE(3y)-2.72%
ROE(5y)3.28%
ROIC(3y)N/A
ROIC(5y)N/A
EGBN Yearly ROA, ROE, ROICEGBN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 -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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40

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2

2. EGBN Health Analysis

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
  • EGBN has a better debt/assets ratio than last year.
EGBN Yearly Shares OutstandingEGBN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
EGBN Yearly Total Debt VS Total AssetsEGBN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • The Debt to FCF ratio of EGBN is 3.68, which is a good value as it means it would take EGBN, 3.68 years of fcf income to pay off all of its debts.
  • EGBN has a worse Debt to FCF ratio (3.68) than 61.58% of its industry peers.
  • EGBN has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.07, EGBN is in the better half of the industry, outperforming 76.58% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 3.68
Altman-Z N/A
ROIC/WACCN/A
WACC31.25%
EGBN Yearly LT Debt VS Equity VS FCFEGBN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. EGBN Growth Analysis

3.1 Past

  • EGBN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -323.94%.
  • Looking at the last year, EGBN shows a decrease in Revenue. The Revenue has decreased by -3.06% in the last year.
  • The Revenue has been decreasing by -4.02% on average over the past years.
EPS 1Y (TTM)-323.94%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-50%
Revenue 1Y (TTM)-3.06%
Revenue growth 3Y-5.68%
Revenue growth 5Y-4.02%
Sales Q2Q%6.18%

3.2 Future

  • The Earnings Per Share is expected to grow by 61.96% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, EGBN will show a small growth in Revenue. The Revenue will grow by 6.04% on average per year.
EPS Next Y141.43%
EPS Next 2Y61.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.33%
Revenue Next 2Y6.04%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
EGBN Yearly Revenue VS EstimatesEGBN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
EGBN Yearly EPS VS EstimatesEGBN Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 -2 4 -4

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3

4. EGBN Valuation Analysis

4.1 Price/Earnings Ratio

  • EGBN reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • The Price/Forward Earnings ratio is 14.05, which indicates a correct valuation of EGBN.
  • Based on the Price/Forward Earnings ratio, EGBN is valued a bit more expensive than 74.74% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of EGBN to the average of the S&P500 Index (22.19), we can say EGBN is valued slightly cheaper.
Industry RankSector Rank
PE N/A
Fwd PE 14.05
EGBN Price Earnings VS Forward Price EarningsEGBN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20

4.2 Price Multiples

  • EGBN's Price/Free Cash Flow ratio is rather expensive when compared to the industry. EGBN is more expensive than 80.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 35.84
EV/EBITDA N/A
EGBN Per share dataEGBN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

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 61.96% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y61.96%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

2

5. EGBN Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.16%, EGBN is not a good candidate for dividend investing.
  • With a Dividend Yield of 0.16, EGBN pays less dividend than the industry average, which is at 2.69. 87.89% of the companies listed in the same industry pay a better dividend than EGBN!
  • Compared to an average S&P500 Dividend Yield of 1.89, EGBN's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.16%

5.2 History

  • The dividend of EGBN decreases each year by -10.30%.
  • 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)-10.3%
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 2026 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.
DP-11.09%
EPS Next 2Y61.96%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M

More info and screens

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EGBN Fundamentals: All Metrics, Ratios and Statistics

EAGLE BANCORP INC

NASDAQ:EGBN (3/27/2026, 8:13:30 PM)

After market: 24.51 0 (0%)

24.51

-0.35 (-1.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-21
Inst Owners83.92%
Inst Owner Change-2.75%
Ins Owners7.8%
Ins Owner Change2.63%
Market Cap744.12M
Revenue(TTM)299.19M
Net Income(TTM)-138.05M
Analysts76
Price Target27.92 (13.91%)
Short Float %9.54%
Short Ratio7.06
Dividend
Industry RankSector Rank
Dividend Yield 0.16%
Yearly Dividend0.51
Dividend Growth(5Y)-10.3%
DP-11.09%
Div Incr Years5
Div Non Decr Years5
Ex-Date02-02
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-564.78%
Min EPS beat(2)-1462.99%
Max EPS beat(2)333.43%
EPS beat(4)1
Avg EPS beat(4)-458.2%
Min EPS beat(4)-1462.99%
Max EPS beat(4)333.43%
EPS beat(8)4
Avg EPS beat(8)-227.43%
EPS beat(12)6
Avg EPS beat(12)-149.6%
EPS beat(16)8
Avg EPS beat(16)-111.94%
Revenue beat(2)0
Avg Revenue beat(2)-3.71%
Min Revenue beat(2)-7.31%
Max Revenue beat(2)-0.1%
Revenue beat(4)0
Avg Revenue beat(4)-5.73%
Min Revenue beat(4)-10.39%
Max Revenue beat(4)-0.1%
Revenue beat(8)0
Avg Revenue beat(8)-6.61%
Revenue beat(12)2
Avg Revenue beat(12)-4.97%
Revenue beat(16)6
Avg Revenue beat(16)-2.62%
PT rev (1m)5.29%
PT rev (3m)31.14%
EPS NQ rev (1m)-8.06%
EPS NQ rev (3m)91.94%
EPS NY rev (1m)-1.72%
EPS NY rev (3m)9.25%
Revenue NQ rev (1m)-1.79%
Revenue NQ rev (3m)10.76%
Revenue NY rev (1m)-1.64%
Revenue NY rev (3m)6.67%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 14.05
P/S 2.49
P/FCF 35.84
P/OCF 26.11
P/B 0.66
P/tB 0.66
EV/EBITDA N/A
EPS(TTM)-4.21
EYN/A
EPS(NY)1.74
Fwd EY7.12%
FCF(TTM)0.68
FCFY2.79%
OCF(TTM)0.94
OCFY3.83%
SpS9.85
BVpS37.26
TBVpS37.26
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -1.32%
ROE -12.2%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 6.94%
ROA(3y)-0.29%
ROA(5y)0.38%
ROE(3y)-2.72%
ROE(5y)3.28%
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
ROICexgc growth 3YN/A
ROICexgc 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 0.07
Debt/FCF 3.68
Debt/EBITDA N/A
Cap/Depr 262.4%
Cap/Sales 2.58%
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
WACC31.25%
ROIC/WACCN/A
Cap/Depr(3y)91.54%
Cap/Depr(5y)85.61%
Cap/Sales(3y)0.9%
Cap/Sales(5y)0.95%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-323.94%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-50%
EPS Next Y141.43%
EPS Next 2Y61.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.06%
Revenue growth 3Y-5.68%
Revenue growth 5Y-4.02%
Sales Q2Q%6.18%
Revenue Next Year9.33%
Revenue Next 2Y6.04%
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-83.18%
FCF growth 3Y-52.42%
FCF growth 5Y-30.73%
OCF growth 1Y-76.98%
OCF growth 3Y-47.32%
OCF growth 5Y-26.53%

EAGLE BANCORP INC / EGBN Fundamental Analysis FAQ

What is the fundamental rating for EGBN stock?

ChartMill assigns a fundamental rating of 2 / 10 to EGBN.


Can you provide the valuation status for EAGLE BANCORP INC?

ChartMill assigns a valuation rating of 3 / 10 to EAGLE BANCORP INC (EGBN). This can be considered as Overvalued.


Can you provide the profitability details for EAGLE BANCORP INC?

EAGLE BANCORP INC (EGBN) has a profitability rating of 1 / 10.


Can you provide the financial health for EGBN stock?

The financial health rating of EAGLE BANCORP INC (EGBN) is 2 / 10.


What is the earnings growth outlook for EAGLE BANCORP INC?

The Earnings per Share (EPS) of EAGLE BANCORP INC (EGBN) is expected to grow by 141.43% in the next year.