EAGLE BANCORP INC (EGBN) Stock Fundamental Analysis
NASDAQ:EGBN - Nasdaq - US2689481065 - Common Stock - Currency: USD
Taking everything into account, EGBN scores 4 out of 10 in our fundamental rating. EGBN was compared to 395 industry peers in the Banks industry. EGBN scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. EGBN has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year EGBN was profitable.
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
The Return On Assets of EGBN (-0.40%) is worse than 93.92% of its industry peers.
EGBN has a Return On Equity of -3.62%. This is amonst the worse of the industry: EGBN underperforms 93.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.4% | ||
| ROE | -3.62% | ||
| 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.
EGBN has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, EGBN has less shares outstanding
EGBN has a better debt/assets ratio than last year.
2.2 Solvency
EGBN has a debt to FCF ratio of 0.66. This is a very positive value and a sign of high solvency as it would only need 0.66 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 0.66, EGBN belongs to the best of the industry, outperforming 80.51% of the companies in the same industry.
EGBN has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
EGBN has a Debt to Equity ratio of 0.09. This is in the better half of the industry: EGBN outperforms 74.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 0.66 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.35%
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 -22.31% in the last year.
The earnings per share for EGBN have been decreasing by -15.37% on average. This is quite bad
EGBN shows a decrease in Revenue. In the last year, the revenue decreased by -2.39%.
EGBN shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.47% yearly.
EPS 1Y (TTM)-22.31%
EPS 3Y-30.16%
EPS 5Y-15.37%
EPS Q2Q%700%
Revenue 1Y (TTM)-2.39%
Revenue growth 3Y-5.43%
Revenue growth 5Y-2.47%
Sales Q2Q%-12.11%
3.2 Future
The Earnings Per Share is expected to grow by 17.63% on average over the next years. This is quite good.
The Revenue is expected to grow by 5.31% on average over the next years.
EPS Next Y-9.94%
EPS Next 2Y21.54%
EPS Next 3Y17.63%
EPS Next 5YN/A
Revenue Next Year1.05%
Revenue Next 2Y4.96%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 9.52, the valuation of EGBN can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of EGBN indicates a rather cheap valuation: EGBN is cheaper than 84.05% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.92, EGBN is valued rather cheaply.
With a Price/Forward Earnings ratio of 6.68, the valuation of EGBN can be described as very cheap.
Based on the Price/Forward Earnings ratio, EGBN is valued cheaper than 91.90% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of EGBN to the average of the S&P500 Index (21.49), we can say EGBN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.52 | ||
| Fwd PE | 6.68 |
4.2 Price Multiples
94.68% of the companies in the same industry are more expensive than EGBN, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.44 | ||
| 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 17.63% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y21.54%
EPS Next 3Y17.63%
5. Dividend
5.1 Amount
EGBN has a Yearly Dividend Yield of 3.50%. Purely for dividend investing, there may be better candidates out there.
EGBN's Dividend Yield is a higher than the industry average which is at 3.53.
EGBN's Dividend Yield is a higher than the S&P500 average which is at 2.43.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.5% |
5.2 History
The dividend of EGBN is nicely growing with an annual growth rate of 17.91%!
EGBN has paid a dividend for at least 10 years, which is 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
The earnings of EGBN are negative and hence is the payout ratio. EGBN will probably not be able to sustain this dividend level.
The dividend of EGBN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP-82.48%
EPS Next 2Y21.54%
EPS Next 3Y17.63%
18.56
-0.32 (-1.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners79.54%
Inst Owner Change2.6%
Ins Owners2.51%
Ins Owner Change2.87%
Market Cap563.85M
Analysts47.5
Price Target22.19 (19.56%)
Short Float %8.2%
Short Ratio6.68
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.5% |
Yearly Dividend1.52
Dividend Growth(5Y)17.91%
DP-82.48%
Div Incr Years5
Div Non Decr Years5
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-43.89%
Min EPS beat(2)-87.83%
Max EPS beat(2)0.04%
EPS beat(4)3
Avg EPS beat(4)6.8%
Min EPS beat(4)-87.83%
Max EPS beat(4)60.43%
EPS beat(8)5
Avg EPS beat(8)-2.23%
EPS beat(12)6
Avg EPS beat(12)-6.33%
EPS beat(16)10
Avg EPS beat(16)-0.37%
Revenue beat(2)0
Avg Revenue beat(2)-12.12%
Min Revenue beat(2)-13.86%
Max Revenue beat(2)-10.39%
Revenue beat(4)0
Avg Revenue beat(4)-9.83%
Min Revenue beat(4)-13.86%
Max Revenue beat(4)-6.73%
Revenue beat(8)2
Avg Revenue beat(8)-4.82%
Revenue beat(12)5
Avg Revenue beat(12)-2.83%
Revenue beat(16)9
Avg Revenue beat(16)-0.29%
PT rev (1m)-9.37%
PT rev (3m)-24.57%
EPS NQ rev (1m)-1.92%
EPS NQ rev (3m)-7.27%
EPS NY rev (1m)-13.54%
EPS NY rev (3m)-30.35%
Revenue NQ rev (1m)-1.78%
Revenue NQ rev (3m)-2.83%
Revenue NY rev (1m)-3.32%
Revenue NY rev (3m)-3.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.52 | ||
| Fwd PE | 6.68 | ||
| P/S | 1.85 | ||
| P/FCF | 3.44 | ||
| P/OCF | 3.44 | ||
| P/B | 0.45 | ||
| P/tB | 0.45 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.95
EY10.51%
EPS(NY)2.78
Fwd EY14.96%
FCF(TTM)5.39
FCFY29.04%
OCF(TTM)5.4
OCFY29.1%
SpS10.01
BVpS40.98
TBVpS40.98
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.4% | ||
| ROE | -3.62% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 53.82% |
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-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 0.66 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 12.14% | ||
| Cap/Sales | 0.13% | ||
| 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
WACC19.35%
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)-22.31%
EPS 3Y-30.16%
EPS 5Y-15.37%
EPS Q2Q%700%
EPS Next Y-9.94%
EPS Next 2Y21.54%
EPS Next 3Y17.63%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.39%
Revenue growth 3Y-5.43%
Revenue growth 5Y-2.47%
Sales Q2Q%-12.11%
Revenue Next Year1.05%
Revenue Next 2Y4.96%
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-15.04%
FCF growth 3Y-19.09%
FCF growth 5Y-1.01%
OCF growth 1Y-15.76%
OCF growth 3Y-19.63%
OCF growth 5Y-1.38%