Logo image of EGBN

EAGLE BANCORP INC (EGBN) Stock Fundamental Analysis

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

16.45  +0.2 (+1.23%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to EGBN. EGBN was compared to 393 industry peers in the Banks industry. While EGBN seems to be doing ok healthwise, there are quite some concerns on its profitability. EGBN has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

EGBN had negative earnings in the past year.
EGBN had a positive operating cash flow in the past year.
Of the past 5 years EGBN 4 years were profitable.
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 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 (-0.40%) than 93.89% of its industry peers.
EGBN has a Return On Equity of -3.62%. This is amonst the worse of the industry: EGBN underperforms 93.89% of its industry peers.
Industry RankSector Rank
ROA -0.4%
ROE -3.62%
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
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

4

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 increased compared to 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 0.66, which is an excellent value as it means it would take EGBN, only 0.66 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.66, EGBN belongs to the best of the industry, outperforming 80.66% of the companies in the same industry.
EGBN has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
EGBN has a Debt to Equity ratio of 0.09. This is in the better half of the industry: EGBN outperforms 74.05% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.66
Altman-Z N/A
ROIC/WACCN/A
WACC19.49%
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

3

3. Growth

3.1 Past

The earnings per share for EGBN have decreased strongly by -145.54% in the last year.
Measured over the past years, EGBN shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -15.37% on average per year.
The Revenue has decreased by -2.02% in the past year.
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%3.98%

3.2 Future

EGBN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.63% yearly.
Based on estimates for the next years, EGBN will show a small growth in Revenue. The Revenue will grow by 5.31% on average per year.
EPS Next Y-9.94%
EPS Next 2Y21.54%
EPS Next 3Y17.63%
EPS Next 5YN/A
Revenue Next Year-1.4%
Revenue Next 2Y3.8%
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.
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 2027 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 2027 1 2 3 4 5

4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for EGBN. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 5.92, 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 95.17% of the companies in the same industry.
EGBN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.67.
Industry RankSector Rank
PE N/A
Fwd PE 5.92
EGBN Price Earnings VS Forward Price EarningsEGBN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20 30

4.2 Price Multiples

EGBN's Price/Free Cash Flow ratio is rather cheap when compared to the industry. EGBN is cheaper than 96.44% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.05
EV/EBITDA N/A
EGBN Per share dataEGBN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30 40

4.3 Compensation for Growth

A more expensive valuation may be justified as EGBN's earnings are expected to grow with 17.63% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y21.54%
EPS Next 3Y17.63%

6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.06%, EGBN is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.40, EGBN pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, EGBN pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.06%

5.2 History

The dividend of EGBN is nicely growing with an annual growth rate of 17.91%!
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

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-82.48%
EPS Next 2Y21.54%
EPS Next 3Y17.63%
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

EAGLE BANCORP INC

NASDAQ:EGBN (7/28/2025, 2:31:58 PM)

16.45

+0.2 (+1.23%)

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 Owners79.54%
Inst Owner Change-0.23%
Ins Owners2.51%
Ins Owner Change2.96%
Market Cap499.75M
Analysts78
Price Target22.19 (34.89%)
Short Float %9.91%
Short Ratio7.84
Dividend
Industry RankSector Rank
Dividend Yield 4.06%
Yearly Dividend1.52
Dividend Growth(5Y)17.91%
DP-82.48%
Div Incr Years5
Div Non Decr Years5
Ex-Date05-05 2025-05-05 (0.165)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-43.89%
Min EPS beat(2)-87.83%
Max EPS beat(2)0.04%
EPS beat(4)3
Avg EPS beat(4)6.8%
Min EPS beat(4)-87.83%
Max EPS beat(4)60.43%
EPS beat(8)5
Avg EPS beat(8)-2.23%
EPS beat(12)6
Avg EPS beat(12)-6.33%
EPS beat(16)10
Avg EPS beat(16)-0.37%
Revenue beat(2)0
Avg Revenue beat(2)-12.12%
Min Revenue beat(2)-13.86%
Max Revenue beat(2)-10.39%
Revenue beat(4)0
Avg Revenue beat(4)-9.83%
Min Revenue beat(4)-13.86%
Max Revenue beat(4)-6.73%
Revenue beat(8)2
Avg Revenue beat(8)-4.82%
Revenue beat(12)5
Avg Revenue beat(12)-2.83%
Revenue beat(16)9
Avg Revenue beat(16)-0.29%
PT rev (1m)0%
PT rev (3m)-17.4%
EPS NQ rev (1m)-14.22%
EPS NQ rev (3m)-20.45%
EPS NY rev (1m)0%
EPS NY rev (3m)-30.35%
Revenue NQ rev (1m)-3.59%
Revenue NQ rev (3m)-6.32%
Revenue NY rev (1m)-2.42%
Revenue NY rev (3m)-5.85%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 5.92
P/S 1.64
P/FCF 3.05
P/OCF 3.05
P/B 0.4
P/tB 0.4
EV/EBITDA N/A
EPS(TTM)-1.02
EYN/A
EPS(NY)2.78
Fwd EY16.88%
FCF(TTM)5.39
FCFY32.76%
OCF(TTM)5.4
OCFY32.84%
SpS10.01
BVpS40.98
TBVpS40.98
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.4%
ROE -3.62%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 53.82%
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 0.09
Debt/FCF 0.66
Debt/EBITDA N/A
Cap/Depr 12.14%
Cap/Sales 0.13%
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
WACC19.49%
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-9.94%
EPS Next 2Y21.54%
EPS Next 3Y17.63%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.02%
Revenue growth 3Y-5.43%
Revenue growth 5Y-2.47%
Sales Q2Q%3.98%
Revenue Next Year-1.4%
Revenue Next 2Y3.8%
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-15.04%
FCF growth 3Y-19.09%
FCF growth 5Y-1.01%
OCF growth 1Y-15.76%
OCF growth 3Y-19.63%
OCF growth 5Y-1.38%