20.74 USD
-0.24 (-1.14%)
20.74 USD
0 (0%)
We assign a fundamental rating of 2 out of 10 to EGBN. EGBN was compared to 387 industry peers in the Banks industry. EGBN may be in some trouble as it scores bad on both profitability and health. EGBN has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
EGBN had negative earnings in the past year.
In the past year EGBN had a positive cash flow from operations.
Of the past 5 years EGBN 4 years were profitable.
EGBN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of EGBN (-1.12%) is worse than 94.83% of its industry peers.
EGBN has a Return On Equity of -10.74%. This is amonst the worse of the industry: EGBN underperforms 94.83% 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
The Profit Margin and 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) | 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.
The number of shares outstanding for EGBN has been increased compared to 1 year ago.
The number of shares outstanding for EGBN has been reduced compared to 5 years ago.
The debt/assets ratio for EGBN has been reduced compared to a year ago.
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 has a Debt to FCF ratio (2.29) which is in line with its industry peers.
EGBN has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.08, EGBN is in the better half of the industry, outperforming 71.83% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 2.29 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.94%
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.
The earnings per share for EGBN have been decreasing by -15.37% on average. This is quite bad
The Revenue has decreased by -5.20% 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)-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.
Based on estimates for the next years, EGBN will show a decrease in Revenue. The Revenue will decrease by -0.44% on average per year.
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.
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
EGBN reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
With a Price/Forward Earnings ratio of 12.99, EGBN is valued correctly.
Based on the Price/Forward Earnings ratio, EGBN is valued a bit more expensive than 70.03% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of EGBN to the average of the S&P500 Index (23.56), we can say EGBN is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 12.99 |
4.2 Price Multiples
EGBN's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. EGBN is more expensive than 66.41% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16 | ||
| 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.
Compared to an average industry Dividend Yield of 3.11, EGBN's dividend is way lower than its industry peers. On top of this 87.34% of the companies listed in the same industry pay a better dividend than EGBN!
Compared to an average S&P500 Dividend Yield of 2.31, EGBN's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.19% |
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
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%
20.74
-0.24 (-1.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners82.86%
Inst Owner Change6.52%
Ins Owners7.57%
Ins Owner Change0.12%
Market Cap629.87M
Revenue(TTM)293.56M
Net Income(TTM)-120.61M
Analysts78
Price Target20.27 (-2.27%)
Short Float %10.31%
Short Ratio6.09
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-Date
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)-3.34%
PT rev (3m)-2.15%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1447.5%
EPS NY rev (1m)-17.24%
EPS NY rev (3m)-54.24%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-10.77%
Revenue NY rev (1m)-1.95%
Revenue NY rev (3m)-5.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 12.99 | ||
| P/S | 2.15 | ||
| P/FCF | 16 | ||
| P/OCF | 14.18 | ||
| P/B | 0.56 | ||
| P/tB | 0.56 | ||
| EV/EBITDA | N/A |
EPS(TTM)-3.96
EYN/A
EPS(NY)1.6
Fwd EY7.7%
FCF(TTM)1.3
FCFY6.25%
OCF(TTM)1.46
OCFY7.05%
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
WACC18.94%
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.
What is the valuation status of EAGLE BANCORP INC (EGBN) stock?
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.
How sustainable is the dividend of EAGLE BANCORP INC (EGBN) stock?
The dividend rating of EAGLE BANCORP INC (EGBN) is 3 / 10 and the dividend payout ratio is -16.59%.