The earnings call reflects a challenging quarter marked by significant provisions for credit losses and a net loss. However, there are positive developments, including core deposit growth, net interest margin expansion, and progress in C&I lending, which indicate strategic advancements. The sentiment is balanced by the substantial challenges in the office loan portfolio and the net loss reported.

Company Guidance

During the Eagle Bancorp, Inc. Second Quarter 2025 Earnings Call, the company provided detailed guidance on their financial performance and strategic initiatives. The call revealed a significant net loss of $69.8 million or $2.30 per share for the quarter, attributed mainly to credit reserve building and loan resolution efforts, particularly in the office sector. The allowance for credit losses increased to $183 million, covering 2.38% of total loans, while the ACL coverage ratio for performing office loans rose to 11.54%, up from 5.78% the previous quarter. Despite a challenging quarter marked by $138 million in provisions for credit losses, including $45.4 million related to office overlay, Eagle Bancorp reported positive developments such as a $2.3 million increase in pre-provision net revenue and a nine-basis-point expansion in net interest margin to 2.37%. The bank also highlighted its strategic focus on growing core deposits and reducing reliance on wholesale funding, with average deposits growing by $1 billion year-over-year. Furthermore, management expressed optimism for improved financial performance in the third quarter and a return to a normalized provisioning environment by the first quarter of 2026.

Core Deposit Growth

Notable progress in growing core deposits by $304.1 million, contributing to reduced reliance on wholesale funding.

Pre-Provision Net Revenue Increase

Pre-provision net revenue increased by $2.3 million to $30.7 million, driven by increased net interest income and lower noninterest expenses.

Net Interest Margin Expansion

Net interest margin expanded by 9 basis points from the first quarter to 2.37% due to reduced funding costs and strategic balance sheet management.

C&I Lending Growth

Over two-thirds of loan originations in the second quarter were C&I loans, supporting the strategic objective to diversify the loan portfolio.

Eagle Bancorp (EGBN) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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EGBN Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	-0.14 / -	0.72	―	―	―
Jul 23, 2025	2025 (Q2)	0.44 / -2.30	0.67	-443.28% (-2.97)	―
Apr 23, 2025	2025 (Q1)	0.48 / 0.06	-0.01	700.00% (+0.07)	―
Jan 22, 2025	2024 (Q4)	0.49 / 0.50	0.67	-25.37% (-0.17)	―
Oct 23, 2024	2024 (Q3)	0.44 / 0.72	0.91	-20.88% (-0.19)	―
Jul 24, 2024	2024 (Q2)	0.42 / 0.67	0.94	-28.72% (-0.27)	―
Apr 24, 2024	2024 (Q1)	0.59 / -0.01	0.78	-101.28% (-0.79)	―
Jan 24, 2024	2023 (Q4)	0.68 / 0.67	1.32	-49.24% (-0.65)	―
Oct 25, 2023	2023 (Q3)	0.72 / 0.91	1.16	-21.55% (-0.25)	―
Jul 26, 2023	2023 (Q2)	0.68 / 0.94	0.78	20.51% (+0.16)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

EGBN Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 23, 2025	$21.27	$16.76	-21.20%
Apr 23, 2025	$20.79	$18.42	-11.40%
Jan 22, 2025	$23.97	$24.65	+2.84%
Oct 23, 2024	$22.70	$26.21	+15.46%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Eagle Bancorp (EGBN) report earnings?

Eagle Bancorp (EGBN) is schdueled to report earning on Oct 22, 2025, After Close (Confirmed).

What is Eagle Bancorp (EGBN) earnings time?

Eagle Bancorp (EGBN) earnings time is at Oct 22, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is EGBN EPS forecast?

EGBN EPS forecast for the fiscal quarter 2025 (Q3) is -0.14.

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