The earnings call highlighted some positive developments such as core deposit growth and improvement in net interest margin. However, these were overshadowed by significant challenges, including a substantial net loss, high credit loss provisions, and increased nonperforming and criticized loans. The sentiment of the call leans towards negative due to the financial setbacks and ongoing credit challenges.

Company Guidance -

Q3 2025

During the Eagle Bancorp second quarter 2025 earnings call, the company provided detailed guidance on several key financial metrics. The provision for credit losses was a significant $138 million, driven largely by a $45.4 million increase in the office overlay reserve and $11.1 million associated with individually evaluated loans. The allowance for credit losses rose to $183 million, covering 2.38% of total loans. Nonperforming loans increased to $226.4 million, with a 2.16% ratio of nonperforming assets to total assets. The net charge-offs totaled $83.9 million, while loans 30 to 89 days past due decreased to $34.7 million. Eagle Bancorp's Tier 1 leverage ratio stood at 10.63%, with the common equity Tier 1 ratio at 14.01%. Despite a net loss of $69.8 million for the quarter, the tangible common equity ratio increased to 11.18%. The bank's net interest margin expanded by 9 basis points to 2.37%, with net interest income rising to $67.8 million. The bank also adjusted its full-year 2025 guidance, revising average loan growth expectations and raising deposit growth guidance to 4% to 6%, highlighting a strategic shift towards growing C&I loans and reducing reliance on CRE.

Core Deposit Growth

The company reported progress in core deposit growth, contributing to a reduction in wholesale funding reliance. Average deposits have grown by $1 billion since the second quarter of 2024.

Improved Net Interest Margin

Net Interest Margin (NIM) expanded by 9 basis points from the first quarter to 2.37%, primarily driven by the paydown of average borrowings and reduced funding costs.

C&I Lending Growth

Over two-thirds of loan originations in the second quarter were C&I loans, indicating progress in diversifying 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

Daily Earnings Calendar >

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	$21.49	$16.93	-21.22%
Apr 23, 2025	$21.00	$18.61	-11.38%
Jan 22, 2025	$24.21	$24.90	+2.85%
Oct 23, 2024	$22.93	$26.48	+15.48%

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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