(EGBN) Eagle Bancorp - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 746m USD | Total Return: 51.1% in 12m
Avg Turnover: 5.76M
Qual. Beats: 0
Rev. Trend: 23.6%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Eagle Bancorp, Inc. (EGBN) is a bank holding company headquartered in Bethesda, Maryland, operating primarily through its subsidiary, EagleBank. The institution provides a comprehensive suite of commercial and consumer banking services, including deposit accounts, treasury management, and specialized lending products such as government contract financing and commercial real estate loans. Its client base consists of small to mid-sized businesses, non-profit organizations, and individual investors within the United States.
As a regional bank, Eagle Bancorp utilizes a relationship-based business model, focusing on localized credit decisions and personalized service to compete with larger national institutions. Regional banks typically generate a significant portion of their revenue from the net interest margin, which is the difference between interest earned on loans and interest paid on deposits. For a deeper look into the companys financial health, investors may find ValueRay to be a useful tool for further analysis.
The companys service portfolio extends to digital banking infrastructure, including mobile platforms and remote deposit capture, alongside insurance referral programs. Since its incorporation in 1997, the bank has scaled its operations to include asset-based lending and accounts receivable financing, catering to the specific working capital needs of diverse corporate structures and sole proprietorships.
- Commercial real estate loan concentration increases sensitivity to property valuation shifts
- Net interest margin performance depends on federal funds rate trajectory and competition
- Regional economic stability in the Washington D.C. metro area dictates credit quality
- Regulatory compliance costs and legal settlements impact non-interest expense ratios
- Deposit beta management and funding mix shifts influence overall profitability margins
| Net Income: -115.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA -0.96 > 1.0 |
| NWC/Revenue: 7.54% < 20% (prev -1.15k%; Δ 1.15k% < -1%) |
| CFO/TA 0.00 > 3% & CFO 182k > Net Income -115.0m |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 10.43 > 1.5 & < 3 |
| Outstanding Shares: last quarter (30.5m) vs 12m ago 0.45% < -2% |
| Gross Margin: 6.01% > 18% (prev 0.36%; Δ 564.4% > 0.5%) |
| Asset Turnover: 5.80% > 50% (prev 6.10%; Δ -0.30% > 0%) |
| Interest Coverage Ratio: -0.50 > 6 (EBITDA TTM -154.6m / Interest Expense TTM 315.0m) |
| A: 0.00 (Total Current Assets 51.4m - Total Current Liabilities 4.93m) / Total Assets 9.95b |
| B: 0.09 (Retained Earnings 852.0m / Total Assets 9.95b) |
| C: -0.01 (EBIT TTM -156.9m / Avg Total Assets 10.6b) |
| D: 0.09 (Book Value of Equity 762.2m / Total Liabilities 8.81b) |
| Altman-Z'' = 0.30 = B |
As of May 24, 2026, the stock is trading at USD 26.08 with a total of 202,559 shares traded.
Over the past week, the price has changed by +7.03%,
over one month by -2.53%,
over three months by +4.72% and
over the past year by +51.13%.
Eagle Bancorp has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold EGBN.
- StrongBuy: 0
- Buy: 0
- Hold: 4
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 29.1 | 11.6% |
P/S = 34.9161
P/B = 0.7024
P/EG = 1.7073
Revenue TTM = 616.8m USD
EBIT TTM = -156.9m USD
EBITDA TTM = -154.6m USD
Long Term Debt = 76.4m USD (from longTermDebt, last fiscal year)
Short Term Debt = 4.93m USD (from shortTermDebt, last quarter)
Debt = 146.3m USD (from shortLongTermDebtTotal, last quarter) + Leases 35.3m
Net Debt = 133.7m USD (calculated: Debt 146.3m - CCE 12.6m)
Enterprise Value = 879.9m USD (746.2m + Debt 146.3m - CCE 12.6m)
Interest Coverage Ratio = -0.50 (Ebit TTM -156.9m / Interest Expense TTM 315.0m)
EV/FCF = -7.01x (Enterprise Value 879.9m / FCF TTM -125.5m)
FCF Yield = -14.27% (FCF TTM -125.5m / Enterprise Value 879.9m)
FCF Margin = -20.36% (FCF TTM -125.5m / Revenue TTM 616.8m)
Net Margin = -18.65% (Net Income TTM -115.0m / Revenue TTM 616.8m)
Gross Margin = 6.01% ((Revenue TTM 616.8m - Cost of Revenue TTM 579.7m) / Revenue TTM)
Gross Margin QoQ = 44.81% (prev 49.77%)
Tobins Q-Ratio = 0.09 (Enterprise Value 879.9m / Total Assets 9.95b)
Interest Expense / Debt = 215.3% (Interest Expense 315.0m / Debt 146.3m)
Taxrate = 8.35% (1.34m / 16.1m)
NOPAT = -143.8m (EBIT -156.9m * (1 - 8.35%)) [loss with tax shield]
Current Ratio = 0.01 (Total Current Assets 51.4m / Total Current Liabilities 7.47b)
Debt / Equity = 0.13 (Debt 146.3m / totalStockholderEquity, last quarter 1.15b)
Debt / EBITDA = -0.86 (negative EBITDA) (Net Debt 133.7m / EBITDA -154.6m)
Debt / FCF = -1.06 (negative FCF - burning cash) (Net Debt 133.7m / FCF TTM -125.5m)
Total Stockholder Equity = 1.15b (last 4 quarters mean from totalStockholderEquity)
RoA = -1.08% (Net Income -115.0m / Total Assets 9.95b)
RoE = -10.01% (Net Income TTM -115.0m / Total Stockholder Equity 1.15b)
RoCE = -12.81% (EBIT -156.9m / Capital Employed (Equity 1.15b + L.T.Debt 76.4m))
RoIC = -1.45% (negative operating profit) (NOPAT -143.8m / Invested Capital 9.94b)
WACC = 7.24% (E(746.2m)/V(892.5m) * Re(8.66%) + (debt cost/tax rate unavailable))
Discount Rate = 8.66% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 68.89 | Cagr: 0.85%
[DCF] Fair Price = unknown (Cash Flow -125.5m)
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.18 | # QB: 0
Revenue Correlation: 23.58 | Revenue CAGR: 1.84% | SUE: 0.55 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.37 | Chg30d=+2.62% | Revisions=+0% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.42 | Chg30d=-6.81% | Revisions=-33% | Analysts=5
EPS current Year (2026-12-31): EPS=1.70 | Chg30d=+7.38% | Revisions=+14% | GrowthEPS=+140.4% | GrowthRev=-0.9%
EPS next Year (2027-12-31): EPS=2.62 | Chg30d=-1.04% | Revisions=-14% | GrowthEPS=+53.9% | GrowthRev=+6.8%
[Analyst] Revisions Ratio: -33%