EGBN Stock Analysis: Eagle Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 847m USD | 12M Return: 31.8% | US2689481065 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 8.87M
Qual. Beats: 0
Rev. Trend: -36.9%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Eagle Bancorp, Inc. (NASDAQ: EGBN) is the holding company for EagleBank, a regional U.S. bank that provides commercial and consumer banking services. The company offers a full suite of deposit products-including business and personal checking accounts, cash management, sweep accounts, remote deposit capture, merchant card services, and ATM services-alongside a broad lending platform that spans commercial working capital loans, asset-based and accounts receivable financing, construction and commercial real estate loans, business equipment financing, and consumer products such as home equity lines of credit, personal loans, and credit cards. Eagle Bancorp also delivers online and mobile banking, treasury management, and insurance products through referral arrangements, primarily serving sole proprietors, small and mid-sized businesses, partnerships, corporations, and non-profit organizations. The company was incorporated in 1997, is headquartered in Bethesda, Maryland, and is classified within the Financials sector as a regional bank.
As a regional bank holding company, Eagle Bancorp operates under a bank holding company structure that is subject to oversight by the Federal Reserve and operates primarily within a defined local footprint rather than across a national branch network. Regional banks of this size and profile typically differentiate themselves from larger money-center banks by emphasizing relationship-based lending, local decision-making, and a focus on small and middle-market business clients.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan losses remain elevated concern
- Deposit competition in DC metro area pressures funding costs
| Net Income: -38.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.20 > 1.0 |
| NWC/Revenue: -14.52% < 20% (prev -1.15k%; Δ 1.14k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 61.2m > Net Income -38.3m |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 0.13 > 1.5 & < 3 |
| Outstanding Shares: last quarter (30.6m) vs 12m ago 0.65% < -2% |
| Gross Margin: 25.90% > 18% (prev 17.35%; Δ 8.55% > 0.5%) |
| Asset Turnover: 5.89% > 50% (prev 6.35%; Δ -0.46% > 0%) |
| Interest Coverage Ratio: -0.14 > 6 (EBIT TTM -40.1m / Interest Expense TTM 295.6m) |
| A: -0.01 (Total Current Assets 13.4m - Total Current Liabilities 100.0m) / Total Assets 9.66b |
| B: 0.09 (Retained Earnings 858.6m / Total Assets 9.66b) |
| C: -0.00 (EBIT TTM -40.1m / Avg Total Assets 10.1b) |
| D: 0.14 (Book Value of Equity 1.15b / Total Liabilities 8.51b) |
| Altman-Z'' = 0.35 = B |
As of October 06, 2026, the stock is trading at USD 28.32 with a total of 262,294 shares traded. Over the past week, the price has changed by -0.46%, over one month by +2.05%, over three months by +4.15% and over the past year by +31.76%.
Current recommended Stop Loss: 26.60 (which is 6.1% or 2.6 ATR below the current price).
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 | 30.8 | 8.8% |
P/E Forward = 12.837
P/S = 6.1055
P/B = 0.7443
P/EG = 1.7073
Revenue TTM = 596.3m USD
EBIT TTM = -40.1m USD
EBITDA TTM = -37.6m USD
Long Term Debt = 76.6m USD (from longTermDebt, last quarter)
Short Term Debt = 100.0m USD (from shortTermDebt, last quarter)
Debt = 246.8m USD (from shortLongTermDebtTotal, last quarter) + Leases 35.1m
Net Debt = 233.4m USD (calculated: Debt 246.8m - CCE 13.4m)
Enterprise Value = 1.08b USD (847.1m + Debt 246.8m - CCE 13.4m)
Interest Coverage Ratio = -0.14 (Ebit TTM -40.1m / Interest Expense TTM 295.6m)
EV/FCF = 20.44x (Enterprise Value 1.08b / FCF TTM 52.9m)
FCF Yield = 4.89% (FCF TTM 52.9m / Enterprise Value 1.08b)
FCF Margin = 8.87% (FCF TTM 52.9m / Revenue TTM 596.3m)
Net Margin = -6.43% (Net Income TTM -38.3m / Revenue TTM 596.3m)
Gross Margin = 25.90% ((Revenue TTM 596.3m - Cost of Revenue TTM 441.8m) / Revenue TTM)
Gross Margin QoQ = 37.61% (prev 44.81%)
Tobins Q-Ratio = 0.11 (Enterprise Value 1.08b / Total Assets 9.66b)
Interest Expense / Debt = 119.8% (Interest Expense 295.6m / Debt 246.8m)
Taxrate = 9.27% (707k / 7.62m)
NOPAT = -36.4m (EBIT -40.1m * (1 - 9.27%)) [loss with tax shield]
Current Ratio = 0.13 (Total Current Assets 13.4m / Total Current Liabilities 100.0m)
Debt / Equity = 0.21 (Debt 246.8m / totalStockholderEquity, last quarter 1.15b)
Debt / EBITDA = -6.21 (negative EBITDA) (Net Debt 233.4m / EBITDA -37.6m)
Debt / FCF = 4.41 (Net Debt 233.4m / FCF TTM 52.9m)
Total Stockholder Equity = 1.14b (last 4 quarters mean from totalStockholderEquity)
RoA = -0.38% (Net Income -38.3m / Total Assets 9.66b)
RoE = -3.36% (Net Income TTM -38.3m / Total Stockholder Equity 1.14b)
RoCE = -3.29% (EBIT -40.1m / Capital Employed (Equity 1.14b + L.T.Debt 76.6m))
RoIC = -0.38% (negative operating profit) (NOPAT -36.4m / Invested Capital 9.65b)
WACC = 6.21% (E(847.1m)/V(1.09b) * Re(8.02%) + (debt cost/tax rate unavailable))
Discount Rate = 8.02% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 84.43 | Cagr: 0.74%
[DCF] Terminal Value 73.10% ; FCFF base≈63.4m ; Y1≈55.6m ; Y5≈44.9m
[DCF] Fair Price = 15.98 (EV 720.5m - Net Debt 233.4m = Equity 487.1m / Shares 30.5m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: -0.09 | # QB: 0
Revenue Correlation: -36.85 | Revenue CAGR: -2.37% | SUE: 0.52 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.36 | Chg30d=-3.24% | Revisions=-29% | Analysts=5
EPS current Year (2026-12-31): EPS=1.46 | Chg30d=-3.43% | Revisions=-40% | GrowthEPS=+134.8% | GrowthRev=-5.3%
EPS next Year (2027-12-31): EPS=2.45 | Chg30d=-2.49% | Revisions=+0% | GrowthEPS=+67.2% | GrowthRev=+1.6%
[Analyst] Revisions Ratio: -31% (up=3, down=7)