Education
About Us
Working with TipRanks
Follow Us
Eagle Bancorp (EGBN)
NASDAQ:EGBN
Earnings Data
Report Date
Apr 29, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.31Last Year’s EPS
0.06Same Quarter Last Year
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call communicates clear and measurable progress: the bank moved from a large quarterly loss to positive earnings, materially reduced criticized/classified balances and concentrations (CRE/ADC), strengthened deposit mix and maintained solid capital and liquidity. However, Q4 results were affected by sizable one-time disposition and valuation costs, a still-large criticized/classified loan balance (~10.6% of loans), concentrated reserves for office loans, and remaining brokered funding that management intends to reduce. Management is optimistic and provided constructive 2026 guidance (higher NIM, higher noninterest income, controlled expenses) but emphasized the need for additional quarters of favorable trends before returning to more aggressive capital actions. Overall, the positive operational and balance sheet trends outweigh the remaining issues, though meaningful risks and one-time charges persist.Company Guidance
Return to Profitability
Net income of $7.6 million, or $0.25 per diluted share in Q4 2025, versus a $67.5 million loss ($2.22 per share) in the prior quarter, reflecting a meaningful quarter-over-quarter recovery.
Improved Asset Quality — NPAs and NPLs
Nonperforming loans declined $12.0 million to $106.8 million (1.47% of total loans). Total nonperforming assets fell $24.0 million to $108.9 million, representing 1.04% of total assets (down from 1.23%).
Marked Decline in Criticized/Classified Exposure
Special mention and substandard loans fell to $783.4 million, a decline of $175.1 million from the prior quarter, representing 10.6% of total loans (down from 13.1%).
Concentration Risk Reduction — CRE & ADC
CRE concentration ratio declined to 322% and ADC concentration ratio declined to 88% (both measured versus total risk-based capital and reserves), reflecting progress on payoffs, resolutions and project completions.
Deposit Mix Improvement and Liquidity Strength
Core deposits increased by $692 million during 2025 while brokered deposits were reduced by $602 million. Available liquidity of $4.7 billion and ~2x coverage of uninsured deposits underscore funding resilience.
Capital and Tangible Book Value
Strong capital metrics: tangible common equity / tangible assets 10.87%, Tier 1 leverage 10.17%, CET1 13.83%. Tangible book value per share rose $0.59 to $37.59.
Net Interest Income and 2026 NIM Guidance
Net interest income grew slightly (+$0.144 million) to $68.3 million in Q4. Management forecasts NIM expansion to 2.6%–2.8% for 2026 driven by reduced reliance on higher-cost brokered funding.
Noninterest Income Rebound
Noninterest income increased to $12.2 million from $2.5 million in the prior quarter (+~388%), aided by nonrecurring items (FDIC investments, OREO gain) and the absence of prior-quarter losses.
EGBN Earnings History
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 |
|---|---|---|---|
Jan 21, 2026 | $24.02 | $27.87 | +16.02% |
Oct 23, 2025 | $16.93 | $17.41 | +2.83% |
Jul 23, 2025 | $21.25 | $16.74 | -21.22% |
Apr 23, 2025 | $20.77 | $18.41 | -11.37% |
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 Apr 29, 2026, After Close (Confirmed).
What is Eagle Bancorp (EGBN) earnings time?
Eagle Bancorp (EGBN) earnings time is at Apr 29, 2026, 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 2026 (Q1) is 0.31.