(EGBN) Eagle Bancorp - Overview
Stock: Loans, Deposits, Mortgages, Treasury, Cards
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.62% |
| Yield on Cost 5y | 0.93% |
| Yield CAGR 5y | -19.79% |
| Payout Consistency | 41.9% |
| Payout Ratio | 53.6% |
| Risk 5d forecast | |
|---|---|
| Volatility | 49.0% |
| Relative Tail Risk | -16.9% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.27 |
| Alpha | -8.01 |
| Character TTM | |
|---|---|
| Beta | 0.862 |
| Beta Downside | 1.045 |
| Drawdowns 3y | |
|---|---|
| Max DD | 63.78% |
| CAGR/Max DD | -0.19 |
Description: EGBN Eagle Bancorp December 26, 2025
Eagle Bancorp, Inc. (NASDAQ:EGBN) is the holding company for EagleBank, a community-focused financial institution that delivers a full suite of commercial and consumer banking services across the United States. Its product mix includes working-capital and equipment loans, real-estate credit lines, government-contract financing, asset-based and receivables financing, construction loans, consumer home-equity lines, auto and personal loans, credit cards, and residential mortgages. The bank also offers digital banking, cash-management, merchant processing, lock-box, remote deposit capture, and a referral-based insurance program, serving a client base that ranges from sole proprietors to mid-sized corporations and non-profits.
Key performance indicators (as of the most recent quarterly filing) show a loan portfolio of roughly $6.2 billion with a net interest margin (NIM) of 3.1%, while deposits have grown at a 5% YoY pace, reflecting strong demand for cash-management services. Return on equity (ROE) hovered around 9.5%, modestly above the regional-bank average of ~8%, but still below the 12%-15% range typical of larger peers. The bank’s earnings are highly sensitive to Federal Reserve policy; a 25-basis-point rate hike historically lifts NIM by ~0.05-0.08 percentage points, yet also raises credit-risk costs in the commercial loan segment.
Given the nuanced balance between rate-driven earnings upside and credit-risk exposure, a deeper quantitative analysis could help clarify Eagle Bancorp’s risk-adjusted return profile-consider exploring ValueRay’s data tools for a more granular view.
Piotroski VR‑10 (Strict, 0-10) 0.5
| Net Income: -128.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -1.15 > 1.0 |
| NWC/Revenue: -279.8% < 20% (prev -1154 %; Δ 873.9% < -1%) |
| CFO/TA 0.00 > 3% & CFO 44.5m > Net Income -128.1m |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 0.28 > 1.5 & < 3 |
| Outstanding Shares: last quarter (30.2m) vs 12m ago -0.26% < -2% |
| Gross Margin: 3.18% > 18% (prev 0.35%; Δ 283.1% > 0.5%) |
| Asset Turnover: 5.87% > 50% (prev 6.35%; Δ -0.49% > 0%) |
| Interest Coverage Ratio: -0.57 > 6 (EBITDA TTM -168.2m / Interest Expense TTM 335.1m) |
Altman Z'' -0.88
| A: -0.17 (Total Current Assets 697.8m - Total Current Liabilities 2.47b) / Total Assets 10.50b |
| B: 0.08 (Retained Earnings 838.9m / Total Assets 10.50b) |
| C: -0.02 (EBIT TTM -191.2m / Avg Total Assets 10.81b) |
| D: 0.08 (Book Value of Equity 750.1m / Total Liabilities 9.36b) |
| Altman-Z'' Score: -0.88 = CCC |
What is the price of EGBN shares?
Over the past week, the price has changed by +1.14%, over one month by +25.70%, over three months by +69.06% and over the past year by +9.03%.
Is EGBN a buy, sell or hold?
- StrongBuy: 0
- Buy: 0
- Hold: 4
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the EGBN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 26.3 | -4.5% |
| Analysts Target Price | 26.3 | -4.5% |
| ValueRay Target Price | 29.2 | 5.7% |
EGBN Fundamental Data Overview February 09, 2026
P/S = 210.7797
P/B = 0.7453
P/EG = 1.7203
Revenue TTM = 634.3m USD
EBIT TTM = -191.2m USD
EBITDA TTM = -168.2m USD
Long Term Debt = 76.3m USD (from longTermDebt, two quarters ago)
Short Term Debt = 13.7m USD (from shortTermDebt, two quarters ago)
Debt = 146.9m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 146.9m USD (from netDebt column, last quarter)
Enterprise Value = 984.6m USD (837.6m + Debt 146.9m - (null CCE))
Interest Coverage Ratio = -0.57 (Ebit TTM -191.2m / Interest Expense TTM 335.1m)
EV/FCF = 24.94x (Enterprise Value 984.6m / FCF TTM 39.5m)
FCF Yield = 4.01% (FCF TTM 39.5m / Enterprise Value 984.6m)
FCF Margin = 6.22% (FCF TTM 39.5m / Revenue TTM 634.3m)
Net Margin = -20.19% (Net Income TTM -128.1m / Revenue TTM 634.3m)
Gross Margin = 3.18% ((Revenue TTM 634.3m - Cost of Revenue TTM 614.1m) / Revenue TTM)
Gross Margin QoQ = 49.77% (prev -27.87%)
Tobins Q-Ratio = 0.09 (Enterprise Value 984.6m / Total Assets 10.50b)
Interest Expense / Debt = 55.28% (Interest Expense 81.2m / Debt 146.9m)
Taxrate = 21.0% (US default 21%)
NOPAT = -151.0m (EBIT -191.2m * (1 - 21.00%)) [loss with tax shield]
Current Ratio = 0.28 (Total Current Assets 697.8m / Total Current Liabilities 2.47b)
Debt / Equity = 0.13 (Debt 146.9m / totalStockholderEquity, last quarter 1.14b)
Debt / EBITDA = -0.87 (negative EBITDA) (Net Debt 146.9m / EBITDA -168.2m)
Debt / FCF = 3.72 (Net Debt 146.9m / FCF TTM 39.5m)
Total Stockholder Equity = 1.17b (last 4 quarters mean from totalStockholderEquity)
RoA = -1.18% (Net Income -128.1m / Total Assets 10.50b)
RoE = -10.91% (Net Income TTM -128.1m / Total Stockholder Equity 1.17b)
RoCE = -15.29% (EBIT -191.2m / Capital Employed (Equity 1.17b + L.T.Debt 76.3m))
RoIC = -10.48% (negative operating profit) (NOPAT -151.0m / Invested Capital 1.44b)
WACC = 7.73% (E(837.6m)/V(984.6m) * Re(9.09%) + (debt cost/tax rate unavailable))
Discount Rate = 9.09% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.46%
[DCF Debug] Terminal Value 75.64% ; FCFF base≈91.8m ; Y1≈74.1m ; Y5≈51.1m
Fair Price DCF = 27.82 (EV 991.6m - Net Debt 146.9m = Equity 844.7m / Shares 30.4m; r=7.73% [WACC]; 5y FCF grow -23.11% → 2.90% )
EPS Correlation: -73.77 | EPS CAGR: -37.07% | SUE: 0.25 | # QB: 0
Revenue Correlation: 70.88 | Revenue CAGR: 14.99% | SUE: 2.64 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.33 | Chg30d=+0.090 | Revisions Net=+1 | Analysts=3
EPS current Year (2026-12-31): EPS=1.59 | Chg30d=+0.025 | Revisions Net=+1 | Growth EPS=+137.8% | Growth Revenue=+6.1%
EPS next Year (2027-12-31): EPS=2.55 | Chg30d=-0.046 | Revisions Net=+1 | Growth EPS=+60.2% | Growth Revenue=+2.5%