22.15 USD
+0.2 (+0.91%)
EGBN gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. EGBN may be in some trouble as it scores bad on both profitability and health. EGBN is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year EGBN has reported negative net income.
In the past year EGBN had a positive cash flow from operations.
EGBN had positive earnings in 4 of the past 5 years.
EGBN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
EGBN has a Return On Assets of -1.12%. This is amonst the worse of the industry: EGBN underperforms 94.57% of its industry peers.
EGBN has a worse Return On Equity (-10.74%) than 94.32% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.12% | ||
| ROE | -10.74% | ||
| 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
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 Rank | Sector 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
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.
EGBN has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of EGBN is 2.29, which is a good value as it means it would take EGBN, 2.29 years of fcf income to pay off all of its debts.
EGBN's Debt to FCF ratio of 2.29 is in line compared to the rest of the industry. EGBN outperforms 43.67% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that EGBN is not too dependend on debt financing.
The Debt to Equity ratio of EGBN (0.08) is better than 72.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 2.29 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.72%
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 -293.17% 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 -5.20% 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)-293.17%
EPS 3Y-30.16%
EPS 5Y-15.37%
EPS Q2Q%-408.33%
Revenue 1Y (TTM)-5.2%
Revenue growth 3Y-5.43%
Revenue growth 5Y-2.47%
Sales Q2Q%-3.04%
3.2 Future
Based on estimates for the next years, EGBN will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.04% on average per year.
The Revenue is expected to decrease by -0.44% on average over the next years.
EPS Next Y-296.44%
EPS Next 2Y-7.85%
EPS Next 3Y12.04%
EPS Next 5YN/A
Revenue Next Year-7.01%
Revenue Next 2Y-2.7%
Revenue Next 3Y-0.44%
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.
4. Valuation
4.1 Price/Earnings Ratio
EGBN reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
With a Price/Forward Earnings ratio of 13.87, EGBN is valued correctly.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EGBN indicates a slightly more expensive valuation: EGBN is more expensive than 70.80% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.70. EGBN is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 13.87 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, EGBN is valued a bit more expensive than 68.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.08 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
EGBN's earnings are expected to grow with 12.04% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-7.85%
EPS Next 3Y12.04%
5. Dividend
5.1 Amount
With a yearly dividend of 0.19%, EGBN is not a good candidate for dividend investing.
With a Dividend Yield of 0.19, EGBN pays less dividend than the industry average, which is at 2.78. 87.08% of the companies listed in the same industry pay a better dividend than EGBN!
With a Dividend Yield of 0.19, EGBN pays less dividend than the S&P500 average, which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.19% |
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.
EGBN has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)17.91%
Div Incr Years5
Div Non Decr Years5
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-16.59%
EPS Next 2Y-7.85%
EPS Next 3Y12.04%
NASDAQ:EGBN (1/9/2026, 1:19:31 PM)
22.15
+0.2 (+0.91%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners82.91%
Inst Owner Change0%
Ins Owners7.57%
Ins Owner Change-0.35%
Market Cap672.70M
Revenue(TTM)293.56M
Net Income(TTM)-120.61M
Analysts78
Price Target21.29 (-3.88%)
Short Float %11.88%
Short Ratio6.65
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.19% |
Yearly Dividend1.52
Dividend Growth(5Y)17.91%
DP-16.59%
Div Incr Years5
Div Non Decr Years5
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1039.2%
Min EPS beat(2)-1462.99%
Max EPS beat(2)-615.41%
EPS beat(4)1
Avg EPS beat(4)-541.55%
Min EPS beat(4)-1462.99%
Max EPS beat(4)0.04%
EPS beat(8)3
Avg EPS beat(8)-269.53%
EPS beat(12)6
Avg EPS beat(12)-176.42%
EPS beat(16)8
Avg EPS beat(16)-132.24%
Revenue beat(2)0
Avg Revenue beat(2)-6.21%
Min Revenue beat(2)-7.31%
Max Revenue beat(2)-5.1%
Revenue beat(4)0
Avg Revenue beat(4)-9.16%
Min Revenue beat(4)-13.86%
Max Revenue beat(4)-5.1%
Revenue beat(8)1
Avg Revenue beat(8)-6.08%
Revenue beat(12)3
Avg Revenue beat(12)-4.47%
Revenue beat(16)7
Avg Revenue beat(16)-2.17%
PT rev (1m)5.03%
PT rev (3m)4.05%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1447.5%
EPS NY rev (1m)0%
EPS NY rev (3m)-54.9%
Revenue NQ rev (1m)-1.49%
Revenue NQ rev (3m)-12.1%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 13.87 | ||
| P/S | 2.29 | ||
| P/FCF | 17.08 | ||
| P/OCF | 15.15 | ||
| P/B | 0.6 | ||
| P/tB | 0.6 | ||
| EV/EBITDA | N/A |
EPS(TTM)-3.96
EYN/A
EPS(NY)1.6
Fwd EY7.21%
FCF(TTM)1.3
FCFY5.85%
OCF(TTM)1.46
OCFY6.6%
SpS9.67
BVpS36.99
TBVpS36.99
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.12% | ||
| ROE | -10.74% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 13.41% |
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
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-Score3
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 2.29 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 150.16% | ||
| Cap/Sales | 1.71% | ||
| 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-Score3
WACC18.72%
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)-293.17%
EPS 3Y-30.16%
EPS 5Y-15.37%
EPS Q2Q%-408.33%
EPS Next Y-296.44%
EPS Next 2Y-7.85%
EPS Next 3Y12.04%
EPS Next 5YN/A
Revenue 1Y (TTM)-5.2%
Revenue growth 3Y-5.43%
Revenue growth 5Y-2.47%
Sales Q2Q%-3.04%
Revenue Next Year-7.01%
Revenue Next 2Y-2.7%
Revenue Next 3Y-0.44%
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-79.64%
FCF growth 3Y-19.09%
FCF growth 5Y-1.01%
OCF growth 1Y-77.14%
OCF growth 3Y-19.63%
OCF growth 5Y-1.38%
EAGLE BANCORP INC / EGBN 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 1 / 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 2 / 10.
Can you provide the financial health for EGBN stock?
The financial health rating of EAGLE BANCORP INC (EGBN) is 3 / 10.
What is the earnings growth outlook for EAGLE BANCORP INC?
The Earnings per Share (EPS) of EAGLE BANCORP INC (EGBN) is expected to decline by -296.44% in the next year.