EAGLE BANCORP INC (EGBN) Fundamental Analysis & Valuation

NASDAQ:EGBN • US2689481065

Current stock price

26.39 USD
+0.07 (+0.27%)
Last:

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.
  • In the past year EGBN had a positive cash flow from operations.
  • In multiple years EGBN reported negative net income over the last 5 years.
  • In the past 5 years EGBN always reported a positive cash flow from operatings.
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's Return On Assets of -1.32% is on the low side compared to the rest of the industry. EGBN is outperformed by 95.48% of its industry peers.
  • EGBN's Return On Equity of -12.20% is on the low side compared to the rest of the industry. EGBN is outperformed by 95.74% of its industry peers.
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.
  • The number of shares outstanding for EGBN has been reduced compared to 5 years ago.
  • 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

  • EGBN has a debt to FCF ratio of 3.68. This is a good value and a sign of high solvency as EGBN would need 3.68 years to pay back of all of its debts.
  • EGBN has a worse Debt to FCF ratio (3.68) than 63.03% 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.
  • With a decent Debt to Equity ratio value of 0.07, EGBN is doing good in the industry, outperforming 77.39% 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
WACC30.09%
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 -294.36%.
  • EGBN shows a decrease in Revenue. In the last year, the revenue decreased by -0.81%.
  • Measured over the past years, EGBN shows a decrease in Revenue. The Revenue has been decreasing by -4.02% on average per year.
EPS 1Y (TTM)-294.36%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%700%
Revenue 1Y (TTM)-0.81%
Revenue growth 3Y-5.68%
Revenue growth 5Y-4.02%
Sales Q2Q%-2.98%

3.2 Future

  • EGBN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 61.96% yearly.
  • EGBN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.89% yearly.
EPS Next Y141.43%
EPS Next 2Y61.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.45%
Revenue Next 2Y6.89%
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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4

4. EGBN Valuation Analysis

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 10.06, the valuation of EGBN can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of EGBN is on the same level as its industry peers.
  • EGBN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.97.
Industry RankSector Rank
PE N/A
Fwd PE 10.06
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

  • 81.38% of the companies in the same industry are cheaper than EGBN, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 38.59
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

1

5. EGBN Dividend Analysis

5.1 Amount

  • EGBN has a yearly dividend return of 0.15%, which is pretty low.
  • With a Dividend Yield of 0.15, EGBN pays less dividend than the industry average, which is at 2.53. 88.03% of the companies listed in the same industry pay a better dividend than EGBN!
  • With a Dividend Yield of 0.15, EGBN pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.15%

5.2 History

  • The dividend of EGBN decreases each year by -10.30%.
  • EGBN has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-10.3%
Div Incr Years0
Div Non Decr Years0
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

  • EGBN has negative earnings and hence a negative payout ratio. The dividend may be in danger.
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 (4/28/2026, 3:42:21 PM)

26.39

+0.07 (+0.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22
Earnings (Next)07-21
Inst Owners84.1%
Inst Owner Change0.38%
Ins Owners7.84%
Ins Owner Change2.7%
Market Cap801.20M
Revenue(TTM)301.74M
Net Income(TTM)-138.05M
Analysts76
Price Target29.68 (12.47%)
Short Float %9.39%
Short Ratio8.32
Dividend
Industry RankSector Rank
Dividend Yield 0.15%
Yearly Dividend0.51
Dividend Growth(5Y)-10.3%
DP-11.09%
Div Incr Years0
Div Non Decr Years0
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)6.25%
PT rev (3m)32.34%
EPS NQ rev (1m)-3.49%
EPS NQ rev (3m)31.35%
EPS NY rev (1m)0%
EPS NY rev (3m)9.25%
Revenue NQ rev (1m)0.99%
Revenue NQ rev (3m)4.87%
Revenue NY rev (1m)1.02%
Revenue NY rev (3m)3.67%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 10.06
P/S 2.68
P/FCF 38.59
P/OCF 28.12
P/B 0.71
P/tB 0.71
EV/EBITDA N/A
EPS(TTM)-3.79
EYN/A
EPS(NY)2.62
Fwd EY9.94%
FCF(TTM)0.68
FCFY2.59%
OCF(TTM)0.94
OCFY3.56%
SpS9.85
BVpS37.26
TBVpS37.26
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
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
WACC30.09%
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)-294.36%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%700%
EPS Next Y141.43%
EPS Next 2Y61.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.81%
Revenue growth 3Y-5.68%
Revenue growth 5Y-4.02%
Sales Q2Q%-2.98%
Revenue Next Year10.45%
Revenue Next 2Y6.89%
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 4 / 10 to EAGLE BANCORP INC (EGBN). This can be considered as Fairly Valued.


What is the profitability of EGBN stock?

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


What is the expected EPS growth for EAGLE BANCORP INC (EGBN) stock?

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