EGBN Fundamental Analysis - EAGLE BANCORP INC

Fundamental Rating

Overall EGBN gets a fundamental rating of 3 out of 10. We evaluated EGBN against 392 industry peers in the Banks industry. EGBN has a bad profitability rating. Also its financial health evaluation is rather negative. EGBN does not seem to be growing, but still is valued expensively.

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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.

Of the past 5 years EGBN 4 years were profitable.

Each year in the past 5 years EGBN had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of -0.29%, EGBN is doing worse than 92.60% of the companies in the same industry.

The Return On Equity of EGBN (-2.62%) is worse than 92.86% 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

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.

EGBN has less shares outstanding than it did 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 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.

EGBN's Debt to FCF ratio of 1.26 is fine compared to the rest of the industry. EGBN outperforms 64.03% of its industry peers.

A Debt/Equity ratio of 0.08 indicates that EGBN is not too dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.08, EGBN is in the better half of the industry, outperforming 73.72% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.08
Debt/FCF	1.26
Altman-Z	N/A

ROIC/WACCN/A

WACC19.11%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

EGBN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -145.54%.

EGBN shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -15.37% yearly.

EGBN shows a decrease in Revenue. In the last year, the revenue decreased by -2.02%.

The Revenue has been decreasing by -2.47% on average over the past years.

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%-5.01%

3.2 Future

The Earnings Per Share is expected to grow by 12.44% on average over the next years. This is quite good.

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-226.82%

EPS Next 2Y-3.96%

EPS Next 3Y12.44%

EPS Next 5YN/A

Revenue Next Year0.51%

Revenue Next 2Y3.59%

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.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

EGBN reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.

EGBN is valuated correctly with a Price/Forward Earnings ratio of 12.09.

Based on the Price/Forward Earnings ratio, EGBN is valued a bit more expensive than the industry average as 61.99% of the companies are valued more cheaply.

EGBN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.32, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	12.09

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of EGBN indicates a rather cheap valuation: EGBN is cheaper than 83.42% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	8.05
EV/EBITDA	N/A

4.3 Compensation for Growth

EGBN's earnings are expected to grow with 12.44% in the coming years. This may justify a more expensive valuation.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-3.96%

EPS Next 3Y12.44%

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5. Dividend

5.1 Amount

EGBN has a Yearly Dividend Yield of 3.28%. Purely for dividend investing, there may be better candidates out there.

EGBN's Dividend Yield is comparable with the industry average which is at 3.52.

Compared to an average S&P500 Dividend Yield of 2.41, EGBN pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.28%

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.

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-3.96%

EPS Next 3Y12.44%

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EAGLE BANCORP INC

NASDAQ:EGBN (10/3/2025, 8:00:01 PM)

After market: 20.96 0 (0%)

20.96

+0.84 (+4.17%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-23 2025-07-23/amc

Earnings (Next)10-22 2025-10-22/amc

Inst Owners77.82%

Inst Owner Change-2.36%

Ins Owners7.56%

Ins Owner Change0%

Market Cap636.56M

Analysts78

Price Target20.46 (-2.39%)

Short Float %8.66%

Short Ratio4.1

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.28%

Yearly Dividend1.52

Dividend Growth(5Y)17.91%

DP-92.15%

Div Incr Years5

Div Non Decr Years5

Ex-Date08-08 2025-08-08 (0.165)

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)-1.23%

PT rev (3m)-7.76%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-122.01%

EPS NY rev (1m)0.43%

EPS NY rev (3m)-240.81%

Revenue NQ rev (1m)1.25%

Revenue NQ rev (3m)-3.83%

Revenue NY rev (1m)2.67%

Revenue NY rev (3m)-0.53%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	12.09
P/S	2.11
P/FCF	8.05
P/OCF	7.93
P/B	0.54
P/tB	0.54
EV/EBITDA	N/A

EPS(TTM)-1.02

EYN/A

EPS(NY)1.73

Fwd EY8.27%

FCF(TTM)2.6

FCFY12.42%

OCF(TTM)2.64

OCFY12.61%

SpS9.93

BVpS39.02

TBVpS39.02

PEG (NY)N/A

PEG (5Y)N/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

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-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

WACC19.11%

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-226.82%

EPS Next 2Y-3.96%

EPS Next 3Y12.44%

EPS Next 5YN/A

Revenue 1Y (TTM)-2.02%

Revenue growth 3Y-5.43%

Revenue growth 5Y-2.47%

Sales Q2Q%-5.01%

Revenue Next Year0.51%

Revenue Next 2Y3.59%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens