EAGLE BANCORP INC (EGBN) Stock Fundamental Analysis
USA - NASDAQ:EGBN - US2689481065 - Common Stock
16.3 USD
-0.22 (-1.33%)
16.3 USD
0 (0%)
Overall EGBN gets a fundamental rating of 3 out of 10. We evaluated EGBN against 390 industry peers in the Banks industry. EGBN has a bad profitability rating. Also its financial health evaluation is rather negative. EGBN is valued correctly, but it does not seem to be growing.
1. Profitability
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.
EGBN had positive earnings in 4 of the past 5 years.
In the past 5 years EGBN always reported a positive cash flow from operatings.
1.2 Ratios
EGBN has a worse Return On Assets (-0.29%) than 92.31% of its industry peers.
EGBN's Return On Equity of -2.62% is on the low side compared to the rest of the industry. EGBN is outperformed by 92.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.29% | ||
| ROE | -2.62% | ||
| 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
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.
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.
Compared to 1 year ago, EGBN has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of EGBN is 1.26, which is an excellent value as it means it would take EGBN, only 1.26 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of EGBN (1.26) is better than 63.59% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that EGBN is not too dependend on debt financing.
EGBN's Debt to Equity ratio of 0.08 is fine compared to the rest of the industry. EGBN outperforms 73.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 1.26 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.43%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
EGBN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -293.17%.
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.
Looking at the last year, EGBN shows a decrease in Revenue. The Revenue has decreased by -5.20% in the last 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
EGBN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.51% yearly.
The Revenue is expected to grow by 5.31% on average over the next years.
EPS Next Y-227%
EPS Next 2Y-5.22%
EPS Next 3Y13.51%
EPS Next 5YN/A
Revenue Next Year-2.35%
Revenue Next 2Y2.14%
Revenue Next 3Y5.31%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.
Based on the Price/Forward Earnings ratio of 9.65, the valuation of EGBN can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as EGBN.
EGBN is valuated cheaply when we compare the Price/Forward Earnings ratio to 31.86, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 9.65 |
4.2 Price Multiples
EGBN's Price/Free Cash Flow ratio is rather cheap when compared to the industry. EGBN is cheaper than 88.46% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.26 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as EGBN's earnings are expected to grow with 13.51% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-5.22%
EPS Next 3Y13.51%
5. Dividend
5.1 Amount
With a yearly dividend of 0.24%, EGBN is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.42, EGBN's dividend is way lower than its industry peers. On top of this 86.67% of the companies listed in the same industry pay a better dividend than EGBN!
Compared to an average S&P500 Dividend Yield of 2.40, EGBN's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.24% |
5.2 History
On average, the dividend of EGBN grows each year by 17.91%, which is quite nice.
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)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-92.15%
EPS Next 2Y-5.22%
EPS Next 3Y13.51%
16.3
-0.22 (-1.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners77.82%
Inst Owner Change-0.45%
Ins Owners7.56%
Ins Owner Change-0.07%
Market Cap495.03M
Revenue(TTM)293.56M
Net Income(TTM)-30995000
Analysts78
Price Target20.97 (28.65%)
Short Float %9.46%
Short Ratio5.39
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.24% |
Yearly Dividend1.52
Dividend Growth(5Y)17.91%
DP-92.15%
Div Incr Years5
Div Non Decr Years5
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-351.62%
Min EPS beat(2)-615.41%
Max EPS beat(2)-87.83%
EPS beat(4)2
Avg EPS beat(4)-160.69%
Min EPS beat(4)-615.41%
Max EPS beat(4)60.43%
EPS beat(8)4
Avg EPS beat(8)-83.6%
EPS beat(12)6
Avg EPS beat(12)-54.8%
EPS beat(16)9
Avg EPS beat(16)-39.92%
Revenue beat(2)0
Avg Revenue beat(2)-7.74%
Min Revenue beat(2)-10.39%
Max Revenue beat(2)-5.1%
Revenue beat(4)0
Avg Revenue beat(4)-9.43%
Min Revenue beat(4)-13.86%
Max Revenue beat(4)-5.1%
Revenue beat(8)2
Avg Revenue beat(8)-5.15%
Revenue beat(12)4
Avg Revenue beat(12)-3.54%
Revenue beat(16)8
Avg Revenue beat(16)-1.34%
PT rev (1m)2.49%
PT rev (3m)-5.46%
EPS NQ rev (1m)-3.15%
EPS NQ rev (3m)-160.54%
EPS NY rev (1m)-0.14%
EPS NY rev (3m)-241.01%
Revenue NQ rev (1m)-2.82%
Revenue NQ rev (3m)-1.6%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.96%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 9.65 | ||
| P/S | 1.64 | ||
| P/FCF | 6.26 | ||
| P/OCF | 6.17 | ||
| P/B | 0.42 | ||
| P/tB | 0.42 | ||
| EV/EBITDA | N/A |
EPS(TTM)-3.96
EYN/A
EPS(NY)1.69
Fwd EY10.36%
FCF(TTM)2.6
FCFY15.97%
OCF(TTM)2.64
OCFY16.21%
SpS9.93
BVpS39.02
TBVpS39.02
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.29% | ||
| ROE | -2.62% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 26.21% |
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-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 1.26 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 34.97% | ||
| Cap/Sales | 0.38% | ||
| 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-Score6
WACC19.43%
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-227%
EPS Next 2Y-5.22%
EPS Next 3Y13.51%
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-2.35%
Revenue Next 2Y2.14%
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-50.76%
FCF growth 3Y-19.09%
FCF growth 5Y-1.01%
OCF growth 1Y-50.53%
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 3 / 10 to EGBN.
What is the valuation status of EAGLE BANCORP INC (EGBN) stock?
ChartMill assigns a valuation rating of 4 / 10 to EAGLE BANCORP INC (EGBN). This can be considered as Fairly Valued.
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 -92.15%.