Eagle Bancorp (EGBN) AI Stock Analysis

• Market Cap: $497.58M
• Dividend Yield: 5.92%
• Average Volume (3M): 557.84K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.86
• Revenue Growth: -2.37%
• EPS Growth: 15.33%
• Country: US
• Employees: 451
• Sector: Financial
• Sector Strength: 64
• Industry: Banks - Regional
• EPS (TTM): -2.30
• Shares Outstanding: 30,377,390
• 10 Day Avg. Volume: 813,243
• 30 Day Avg. Volume: 557,844
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.54
• Enterprise Value/Revenue: 1.11
• Enterprise Value/Gross Profit: 3.06
• Enterprise Value/Ebitda: -28.10
• 1Y Price Target: $20.75
• Price Target Upside: 25.83% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 4

• Rating: 51 Neutral
• Price Target: $17.00 ▲(3.09% Upside)

Eagle Bancorp's overall score is driven by financial challenges, including declining revenue and profitability, which weigh heavily on the stock. Technical indicators suggest bearish trends, and valuation metrics are pressured by negative earnings. The earnings call highlighted significant credit issues and net losses, further impacting sentiment. Despite some positive developments, strategic adjustments are needed for recovery.

Eagle Bancorp Business Overview & Revenue Model

Company Description

Eagle Bancorp (EGBN) is a financial holding company primarily engaged in banking services through its wholly owned subsidiary, EagleBank. Headquartered in Bethesda, Maryland, the company operates in the community banking sector, offering a range of financial services including commercial banking, residential lending, and wealth management. EagleBank serves individuals, small and medium-sized businesses, and professionals in the Washington, D.C. metropolitan area.

How the Company Makes Money

Eagle Bancorp generates revenue primarily through interest income from its loan portfolio and investment securities, as well as non-interest income from fees and service charges. The company's key revenue streams include commercial real estate loans, residential mortgage loans, and construction loans. Eagle Bancorp also earns money through treasury management services, debit and credit card services, and deposit account maintenance fees. Partnerships with local businesses and a strong focus on relationship banking contribute to its earnings by fostering customer loyalty and encouraging repeat business.

Eagle Bancorp Financial Statement Overview

Summary

Eagle Bancorp faces challenges with declining revenue and profitability, negatively affecting the income statement. The balance sheet is relatively stable but shows risks concerning asset and equity declines. Cash flow is strong, reflecting effective cash management, yet strategic adjustments are necessary for sustainable growth.

Income Statement

Eagle Bancorp's income statement shows a decline in revenue with a concerning net loss in the TTM period. The gross profit margin has decreased from previous periods, and the company is experiencing negative EBIT and EBITDA margins. Despite historical revenue growth, the recent drop in revenue and profitability indicates potential challenges in maintaining operational efficiency and controlling costs.

Balance Sheet

The company's balance sheet reflects a moderate debt-to-equity ratio, indicating a manageable level of leverage. The equity ratio remains stable, suggesting a solid capital structure. However, the decline in stockholders' equity and total assets could pose risks to long-term financial stability. Overall, the balance sheet appears relatively stable but requires monitoring for potential liquidity issues.

Cash Flow

Eagle Bancorp demonstrates strong cash flow management with a positive operating cash flow and free cash flow. The free cash flow growth rate is healthy, reflecting effective cash management. The operating cash flow to net income ratio is favorable, highlighting strong cash generation relative to reported earnings. Nevertheless, fluctuations in financing and investing cash flows suggest areas for improvement.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	707.50M	646.86M	448.27M	404.88M	435.68M
Gross Profit	244.39M	280.81M	356.52M	386.84M	320.31M
EBITDA	-27.04M	131.00M	193.00M	243.55M	180.84M
Net Income	-47.03M	100.53M	140.93M	176.69M	132.22M
Balance Sheet
Total Assets	11.13B	11.66B	11.15B	11.85B	11.12B
Cash, Cash Equivalents and Short-Term Investments	1.50B	2.23B	1.88B	4.32B	2.91B
Total Debt	623.08M	1.49B	1.11B	429.09M	622.83M
Total Liabilities	9.90B	10.39B	9.92B	10.50B	9.88B
Stockholders Equity	1.23B	1.27B	1.23B	1.35B	1.24B
Cash Flow
Free Cash Flow	123.44M	195.56M	192.79M	234.25M	130.19M
Operating Cash Flow	123.77M	195.63M	194.90M	239.53M	133.14M
Investing Cash Flow	310.74M	-97.70M	-927.08M	-857.92M	-557.68M
Financing Cash Flow	-523.71M	312.90M	-670.19M	543.55M	1.97B

Eagle Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 16.49
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EGBN, the sentiment is Negative. The current price of 16.49 is below the 20-day moving average (MA) of 19.53, below the 50-day MA of 18.62, and below the 200-day MA of 22.47, indicating a bearish trend. The MACD of -0.87 indicates Positive momentum. The RSI at 28.70 is Positive, neither overbought nor oversold. The STOCH value of 7.93 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for EGBN.

Eagle Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HTB	76 Outperform	$680.70M	11.30	10.63%	0.63%	2.03%	5.15%
CCBG	75 Outperform	$663.72M	11.40	11.69%	2.44%	9.68%	13.46%
GSBC	74 Outperform	$649.08M	9.65	11.48%	2.86%	4.50%	16.92%
HBNC	73 Outperform	$678.66M	12.90	6.84%	4.26%	7.82%	170.93%
IBCP	71 Outperform	$626.81M	9.79	14.39%	3.32%	3.13%	-1.53%
Sector *	62 Neutral	C$15.24B	6.94	19.04%	5.61%	33.32%	-34.51%
EGBN	51 Neutral	$497.58M	―	-2.63%	5.92%	-2.37%	15.33%

Eagle Bancorp Corporate Events

Eagle Bancorp Reports Q2 2025 Net Loss of $69.8M

Eagle Bancorp, Inc. reported a net loss of $69.8 million for the second quarter of 2025, primarily due to a significant increase in provision expenses related to credit risk management. Despite the loss, the company saw improvements in core profitability, with an increase in pre-provision net revenue and a stronger balance sheet. The company’s strategic focus on resolving challenged loans and addressing valuation pressures in its office portfolio led to higher credit loss reserves and nonperforming assets. Eagle Bancorp also announced a cash dividend of $0.165 per share, payable on August 29, 2025.

The most recent analyst rating on (EGBN) stock is a Hold with a $22.00 price target. To see the full list of analyst forecasts on Eagle Bancorp stock, see the EGBN Stock Forecast page.

Eagle Bancorp Shareholders Approve 2025 Equity Plan

On May 15, 2025, Eagle Bancorp, Inc. held its Annual Meeting of Shareholders, during which the shareholders approved the 2025 Eagle Bancorp, Inc. Equity Incentive Plan. The meeting also involved the election of eight directors, ratification of Crowe LLP as the independent registered public accounting firm for 2025, and approval of executive compensation. These decisions are expected to influence the company’s governance and financial strategies moving forward.

The most recent analyst rating on (EGBN) stock is a Hold with a $22.00 price target. To see the full list of analyst forecasts on Eagle Bancorp stock, see the EGBN Stock Forecast page.