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Eagle Bancorp
(NASDAQ:EGBN)
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Rating:52Neutral
Price Target:
$28.00
â–¼(-1.55% Downside)
Action:Reiterated
Date:08/07/26
EGBN’s score is held back primarily by weakened financial performance (losses and negative profitability trends) and a valuation picture complicated by a negative P/E with a low dividend yield. These are partially offset by constructive technical positioning (price above key moving averages with positive MACD) and a mixed-but-improving earnings narrative showing operational progress, though ongoing credit costs and charge-offs remain the key near-term risk.
Positive Factors
Improving funding mix and deposit durability
A materially stronger deposit mix—less brokered funding and more noninterest-bearing balances—lowers funding costs and supports stable net interest margins over time. Durable core deposits reduce refinancing risk, help sustain loan origination and margin recovery, and improve earnings resilience through interest-rate cycles.
Negative Factors
Material profitability deterioration and negative margins
Sustained negative net margins reduce internal capital generation, constrain reinvestment, and limit strategic flexibility. Persisting losses can pressure regulatory capital ratios and dividend capacity, making recovery dependent on durable revenue growth, expense cuts, and lower credit costs over several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving funding mix and deposit durability
A materially stronger deposit mix—less brokered funding and more noninterest-bearing balances—lowers funding costs and supports stable net interest margins over time. Durable core deposits reduce refinancing risk, help sustain loan origination and margin recovery, and improve earnings resilience through interest-rate cycles.
Read all positive factors
Eagle Bancorp (EGBN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$877.94M
Dividend Yield0.14%
Average Volume (3M)493.65K
Price to Earnings (P/E)―
Beta (1Y)0.60
Revenue Growth-11.54%
EPS Growth-24.79%
CountryUS
Employees475
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-1.26
Shares Outstanding30,483,973
10 Day Avg. Volume487,912
30 Day Avg. Volume493,648
Financial Highlights & Ratios
PEG Ratio-0.03
Price to Book (P/B)0.57
Price to Sales (P/S)1.02
P/FCF Ratio31.20
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda>-0.01
Forecast
1Y Price Target
$28.50Price Target Upside0.21% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)1.57
Revenue Forecast (FY)$298.58M
Eagle Bancorp Business Overview & Revenue Model
Company Description
Eagle Bancorp, Inc. functions as the parent entity for EagleBank, providing a comprehensive suite of commercial and consumer banking services. Though operating broadly within the United States, its physical presence, as of December 31, 2021, was c...
How the Company Makes Money
Eagle Bancorp primarily makes money through traditional banking activities conducted by its bank subsidiary. A key earnings driver is net interest income: the bank generates interest income from loans and interest-earning assets (such as commercia...
Eagle Bancorp Earnings Call Summary
Earnings Call Date:Jul 22, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Oct 28, 2026
Earnings Call Sentiment Neutral
The call communicates a mix of clear progress and meaningful near-term challenges. Operationally, the bank demonstrated improvement in funding mix, margin, efficiency, C&I growth, and active disposition and reserve actions that reduced criticized/classified balances and improved funding durability. However, the quarter was materially impacted by elevated provision expense, large charge-offs, a sizable QoQ drop in reported net income, and continued legacy CRE and delinquency work. Management conveyed a thoughtful, proactive plan with new leadership and concrete priorities, but near-term earnings remain pressured by credit resolutions.Positive Updates
Positive Core Earnings and Profitability Improvements
Reported net income of $6.9 million ($0.23 diluted EPS) while continuing to generate positive earnings and improving pre-provision net revenue (PPNR) to $29.1 million, up $1.4 million quarter-over-quarter. Year-to-date PPNR to average assets improved to ~109 bps, a step toward the intermediate target (~150 bps).
Negative Updates
Sharp Quarter-over-Quarter Earnings Decline
Net income fell to $6.9 million from $14.7 million in the prior quarter — roughly a 53% decline — driven by elevated provision expense, a smaller interest-earning asset base, and continued resolutions of problem assets.
Read all updates
Q2-2026 Updates
Positive
Negative
Positive Core Earnings and Profitability Improvements
Reported net income of $6.9 million ($0.23 diluted EPS) while continuing to generate positive earnings and improving pre-provision net revenue (PPNR) to $29.1 million, up $1.4 million quarter-over-quarter. Year-to-date PPNR to average assets improved to ~109 bps, a step toward the intermediate target (~150 bps).
Read all positive updates
Company Guidance
Management guided that 2026 outlooks were tightened and reflect first‑half reductions in the balance sheet: net interest margin narrowed to 2.0%–2.7% (NIM was 2.52% this quarter, +5 bps Q/Q), noninterest expense is now expected to decline 7%–11% YoY (noninterest expense was $44.0M, down $4.7M Q/Q), and noninterest income is expected to grow 15%–25% for the year; they reiterated that Q1 provision/charge‑off run‑rates were a reasonable proxy for full‑year 2026 and they expect lower provision/charge‑offs in H2. Key asset‑quality and balance‑sheet metrics driving the guidance include criticized & classified loans of $759.6M (down ~$34.5M Q/Q and >30% from the Q3‑25 peak) which were 58.1% of Tier 1 capital plus ACL (vs 65.7% at YE‑2025), nonperforming loans of $111.1M (1.68% of loans), ACL of $121.1M (1.83% of loans, including ~$40M reserved for income‑producing office), Q2 provision of $21.4M, net charge‑offs $47.9M, ~ $260M of downgrade activity (including $102M multifamily; $35M paid off post‑quarter), HFS transfers of ~$155M and sales of $162M (gain on sale $2.3M) with HFS balance $49.7M now under contract/sold, CRE concentration down to 268% from 295% and ADC at 66%, CRE loans down $1.7B YoY while associated deposits fell only $152M (improving CRE deposit funding ratio to 36% from 27% a year ago), C&I loans +24% YoY, net interest income $62.4M (down $1.3M Q/Q), pre‑provision net revenue $29.1M (PPNR to avg. assets ~109 bps YTD; intermediate target ~150 bps), period‑end deposits down $106.4M Q/Q with broker deposits down $301.5M and noninterest‑bearing deposits up to $1.56B (5.2%), and an efficiency ratio of 60.2% (vs 63.8% prior quarter); management expects to stabilize balances in H2‑2026 and return to growth in 2027 while continuing to strengthen funding, credit oversight (hiring a new CCO), operating performance and capital framework.Eagle Bancorp Financial Statement Overview
Summary
Income Statement
38
Negative
Balance Sheet
60
Neutral
Cash Flow
55
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 596.26M | 634.26M | 707.50M | 646.86M | 448.27M | 404.88M |
| Gross Profit | 154.42M | 20.14M | 244.39M | 280.81M | 354.78M | 386.84M |
| EBITDA | -37.57M | -168.20M | -27.04M | 131.00M | 193.00M | 243.55M |
| Net Income | -38.32M | -128.05M | -47.03M | 100.53M | 140.93M | 176.69M |
Balance Sheet | ||||||
| Total Assets | 9.66B | 10.50B | 11.13B | 11.66B | 11.15B | 11.85B |
| Cash, Cash Equivalents and Short-Term Investments | 13.39M | 1.39B | 1.50B | 2.23B | 1.88B | 4.32B |
| Total Debt | 211.67M | 111.68M | 623.08M | 1.49B | 1.11B | 429.09M |
| Total Liabilities | 8.51B | 9.36B | 9.90B | 10.39B | 9.92B | 10.50B |
| Stockholders Equity | 1.15B | 1.14B | 1.23B | 1.27B | 1.23B | 1.35B |
Cash Flow | ||||||
| Free Cash Flow | 52.87M | 20.76M | 123.44M | 195.56M | 192.79M | 233.15M |
| Operating Cash Flow | 61.18M | 28.50M | 123.77M | 195.63M | 194.90M | 238.44M |
| Investing Cash Flow | 1.22B | 570.43M | 310.74M | -97.70M | -927.08M | -857.92M |
| Financing Cash Flow | -915.79M | -536.72M | -523.71M | 312.90M | -670.19M | 544.65M |
Eagle Bancorp Technical Analysis
Positive
28.44
Price Trends
27.77
Positive
26.93
Positive
24.60
Positive
Market Momentum
0.30
Negative
60.56
Neutral
84.65
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EGBN, the sentiment is Positive. The current price of 28.44 is above the 20-day moving average (MA) of 27.96, above the 50-day MA of 27.77, and above the 200-day MA of 24.60, indicating a bullish trend. The MACD of 0.30 indicates Negative momentum. The RSI at 60.56 is Neutral, neither overbought nor oversold. The STOCH value of 84.65 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for EGBN.
Eagle Bancorp Risk Analysis
Eagle Bancorp disclosed 38 risk factors in its most recent earnings report. Eagle Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Eagle Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $845.56M | 11.90 | 12.54% | 1.29% | 3.70% | 24.24% | |
80 Outperform | $858.31M | 11.93 | 12.36% | 1.52% | 6.55% | 14.68% | |
77 Outperform | $902.46M | 15.43 | 10.30% | 0.84% | 11.51% | 37.08% | |
75 Outperform | $850.46M | 11.01 | 14.12% | 2.87% | 0.24% | 12.12% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
52 Neutral | $877.94M | -22.86 | -3.36% | 0.69% | -11.54% | -24.79% |
* Financial Sector Average
EGBN
Eagle Bancorp
28.80
10.65
58.70%
SMBC
Southern Missouri Bancorp
76.76
23.32
43.65%
IBCP
Independent Bank
38.31
7.92
26.05%
SMBK
SmartFinancial
52.78
18.15
52.42%
SPFI
South Plains Financial
45.56
7.02
18.22%
Eagle Bancorp Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Eagle Bancorp Q2 Earnings Decline Amid Credit Losses
Negative
Jul 22, 2026
For the second quarter ended June 30, 2026, Eagle Bancorp reported unaudited net income of $6.9 million, or $0.23 per share, down from $14.7 million, or $0.48 per share, in the first quarter, mainly due to a sharply higher $21.4 million provision ...
Business Operations and StrategyExecutive/Board ChangesRegulatory Filings and Compliance
Eagle Bancorp appoints Stephen Curley as CEO, director
Neutral
Jul 6, 2026
On June 29, 2026, Eagle Bancorp’s board of directors appointed Stephen R. Curley to the boards of both Eagle Bancorp, Inc. and its subsidiary EagleBank, effective July 6, 2026. His board appointment coincides with his previously announced el...
Business Operations and StrategyLegal ProceedingsRegulatory Filings and Compliance
Eagle Bancorp Resolves DOJ Probe with Settlement Agreement
Positive
Jun 30, 2026
On June 30, 2026, Eagle Bancorp said EagleBank has settled a previously disclosed investigation by the U.S. Attorney’s Office for the Middle District of Pennsylvania into its anti-money laundering controls and its ties to a former customer w...
Executive/Board ChangesShareholder Meetings
Eagle Bancorp Shareholders Back Directors, Auditor and Pay
Positive
May 15, 2026
On May 14, 2026, Eagle Bancorp held its Annual Meeting of Shareholders, where investors voted on board composition, auditor ratification, and executive compensation. Shareholders elected eleven directors to serve until the 2027 annual meeting, wit...
Business Operations and StrategyExecutive/Board Changes
Eagle Bancorp appoints new CEO amid leadership transition
Positive
May 12, 2026
Eagle Bancorp announced that veteran banker Stephen R. Curley will become president and chief executive officer of the company and EagleBank effective July 6, 2026, following an extensive board search for a leader suited to today’s challengi...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.