EGBN Fundamental Analysis - EAGLE BANCORP INC

Fundamental Rating

Overall EGBN gets a fundamental rating of 3 out of 10. We evaluated EGBN against 393 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 it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

EGBN had negative earnings in the past year.

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

EGBN had positive earnings in 4 of the past 5 years.

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

1.2 Ratios

EGBN's Return On Assets of -0.40% is on the low side compared to the rest of the industry. EGBN is outperformed by 93.13% of its industry peers.

EGBN's Return On Equity of -3.62% is on the low side compared to the rest of the industry. EGBN is outperformed by 93.38% 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

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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.

The number of shares outstanding for EGBN has been increased compared to 1 year ago.

EGBN has less shares outstanding than it did 5 years ago.

EGBN has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of EGBN is 0.66, which is an excellent value as it means it would take EGBN, only 0.66 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 0.66, EGBN belongs to the top of the industry, outperforming 80.41% 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.

The Debt to Equity ratio of EGBN (0.09) is better than 74.81% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.09
Debt/FCF	0.66
Altman-Z	N/A

ROIC/WACCN/A

WACC19.38%

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

The earnings per share for EGBN have decreased strongly by -145.54% in the last year.

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

Looking at the last year, EGBN shows a decrease in Revenue. The Revenue has decreased by -2.02% in the last year.

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

Based on estimates for the next years, EGBN will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.63% on average per year.

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 Year-1.4%

Revenue Next 2Y3.7%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for EGBN. In the last year negative earnings were reported.

A Price/Forward Earnings ratio of 6.55 indicates a rather cheap valuation of EGBN.

Compared to the rest of the industry, the Price/Forward Earnings ratio of EGBN indicates a rather cheap valuation: EGBN is cheaper than 92.37% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 35.24, EGBN is valued rather cheaply.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	6.55

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, EGBN is valued cheaply inside the industry as 95.17% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	3.38
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%

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5. Dividend

5.1 Amount

EGBN has a Yearly Dividend Yield of 3.58%. 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 3.41.

EGBN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.

		Industry Rank	Sector Rank
Dividend Yield	3.58%

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.

EGBN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP-82.48%

EPS Next 2Y21.54%

EPS Next 3Y17.63%

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EAGLE BANCORP INC

NASDAQ:EGBN (8/19/2025, 12:03:32 PM)

18.195

+0.02 (+0.08%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)10-21 2025-10-21/amc

Inst Owners78.43%

Inst Owner Change-2.36%

Ins Owners7.56%

Ins Owner Change3.6%

Market Cap552.76M

Analysts78

Price Target21.99 (20.86%)

Short Float %6.46%

Short Ratio3.28

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.58%

Yearly Dividend1.52

Dividend Growth(5Y)17.91%

DP-82.48%

Div Incr Years5

Div Non Decr Years5

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

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)-0.86%

PT rev (3m)-10.16%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-15.87%

EPS NY rev (1m)0%

EPS NY rev (3m)-13.54%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-5.3%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-5.66%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	6.55
P/S	1.82
P/FCF	3.38
P/OCF	3.37
P/B	0.44
P/tB	0.44
EV/EBITDA	N/A

EPS(TTM)-1.02

EYN/A

EPS(NY)2.78

Fwd EY15.26%

FCF(TTM)5.39

FCFY29.62%

OCF(TTM)5.4

OCFY29.69%

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

WACC19.38%

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-9.94%

EPS Next 2Y21.54%

EPS Next 3Y17.63%

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 Year-1.4%

Revenue Next 2Y3.7%

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%

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