Eagle Bancorp (EGBN)
NASDAQ:EGBN
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Eagle Bancorp
(NASDAQ:EGBN)
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Rating:48Neutral
Price Target:
$24.00
â–¼(-2.08% Downside)
Action:ReiteratedDate:03/19/26
EGBN’s score is held back primarily by weak recent financial performance, including net losses and a sharp deterioration in 2025 cash generation. Technicals are also soft in the near term (below key short-term averages and negative MACD). Offsetting these pressures are improving balance-sheet risk metrics from deleveraging and a constructive earnings-call outlook for 2026 (expected NIM and pre-provision net revenue expansion), with corporate actions supporting management continuity during a CEO transition.
Positive Factors
Balance Sheet Deleverage
Material deleveraging and a sizable equity cushion materially reduce funding and solvency risk, increasing the bank’s resilience. With lower debt-to-equity and tangible common equity near double-digit levels, the bank has structural flexibility to absorb credit volatility and pursue measured recovery actions over multiple quarters.
Negative Factors
Weak Cash Generation
A collapse in operating and free cash flow undermines durable financial flexibility: it limits capacity to build reserves, fund loan growth, invest in operations, or maintain distributions without relying on balance‑sheet actions. Recovery in cash generation must persist for several quarters to restore options.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance Sheet Deleverage
Material deleveraging and a sizable equity cushion materially reduce funding and solvency risk, increasing the bank’s resilience. With lower debt-to-equity and tangible common equity near double-digit levels, the bank has structural flexibility to absorb credit volatility and pursue measured recovery actions over multiple quarters.
Read all positive factors
Eagle Bancorp (EGBN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$744.21M
Dividend Yield2.4%
Average Volume (3M)493.65K
Price to Earnings (P/E)―
Beta (1Y)0.58
Revenue Growth-8.51%
EPS Growth-185.08%
CountryUS
Employees451
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.25
Shares Outstanding30,363,447
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 Cap1.18
Enterprise Value/Revenue1.39
Enterprise Value/Gross Profit43.67
Enterprise Value/Ebitda-5.23
Forecast
1Y Price Target
$26.00Price Target Upside6.08% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)1.6
Revenue Forecast (FY)$310.45M
Eagle Bancorp Business Overview & Revenue Model
Company Description
Eagle Bancorp, Inc. operates as the bank holding company for EagleBank that provides commercial and consumer banking services primarily in the United States. The company also offers various commercial and consumer lending products comprising comme...
How the Company Makes Money
Eagle Bancorp primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is the largest driver for most commercial banks and is earned from the spread between interest income on earning assets and interes...
Eagle Bancorp Earnings Call Summary
Earnings Call Date:Jan 21, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Apr 29, 2026
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.Positive Updates
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.
Negative Updates
Q4 Disposition and Mark-to-Market Costs
Q4 included $14.7 million of incremental expenses tied to held-for-sale loan dispositions and mark-to-market adjustments, including $8.4 million of valuation adjustments and $6.3 million in disposition costs.
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Q4-2025 Updates
Positive
Negative
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.
Read all positive updates
Company Guidance
Management guided that, despite planned year‑over‑year declines in average deposits, loans and earning assets from deliberate balance‑sheet repositioning, it expects NIM to expand to 2.6%–2.8%, noninterest income to rise ~15%–25%, noninterest expense to be flat to down ~4%, and pre‑provision net revenue to meaningfully expand in 2026; they will continue reducing brokered funding (brokered deposits fell $602M in 2025, year‑end brokered deposits were $1.56B at ~4% including $715M of brokered CDs) while growing core deposits (+$692M in 2025) and maintaining $4.7B of available liquidity (2x uninsured coverage). For context entering 2026 they cited Q4 metrics including net income $7.6M ($0.25/sh), pre‑provision net revenue $20.7M, ACL $159.6M (2.19% of loans) with $73M reserving against $577.1M of office loans, criticized/classified loans $783.4M (10.6% of loans), NPLs $106.8M (1.47% of loans)/NPAs $108.9M (1.04% of assets), tangible common equity/tangible assets 10.87%, Tier 1 leverage 10.17%, CET1 13.83% and tangible book value per share $37.59; management expects ACL coverage and provision needs to decline as credit trends improve.Eagle Bancorp Financial Statement Overview
Summary
Income Statement
22
Negative
Balance Sheet
48
Neutral
Cash Flow
34
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 634.26M | 707.50M | 646.86M | 448.27M | 404.88M |
| Gross Profit | 20.14M | 244.39M | 280.81M | 354.78M | 386.84M |
| EBITDA | -168.20M | -27.04M | 131.00M | 193.00M | 243.55M |
| Net Income | -128.05M | -47.03M | 100.53M | 140.93M | 176.69M |
Balance Sheet | |||||
| Total Assets | 10.50B | 11.13B | 11.66B | 11.15B | 11.85B |
| Cash, Cash Equivalents and Short-Term Investments | 988.46M | 1.50B | 2.23B | 1.88B | 4.32B |
| Total Debt | 146.94M | 623.08M | 1.49B | 1.11B | 429.09M |
| Total Liabilities | 9.36B | 9.90B | 10.39B | 9.92B | 10.50B |
| Stockholders Equity | 1.14B | 1.23B | 1.27B | 1.23B | 1.35B |
Cash Flow | |||||
| Free Cash Flow | 20.76M | 123.44M | 195.56M | 192.79M | 233.15M |
| Operating Cash Flow | 28.50M | 123.77M | 195.63M | 194.90M | 238.44M |
| Investing Cash Flow | 570.43M | 310.74M | -97.70M | -927.08M | -857.92M |
| Financing Cash Flow | -536.72M | -523.71M | 312.90M | -670.19M | 544.65M |
Eagle Bancorp Technical Analysis
Negative
24.51
Price Trends
25.56
Negative
22.60
Positive
20.85
Positive
Market Momentum
-0.22
Negative
45.46
Neutral
72.04
Neutral
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 24.51 is below the 20-day moving average (MA) of 24.76, below the 50-day MA of 25.56, and above the 200-day MA of 20.85, indicating a neutral trend. The MACD of -0.22 indicates Negative momentum. The RSI at 45.46 is Neutral, neither overbought nor oversold. The STOCH value of 72.04 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
79 Outperform | $693.60M | 9.08 | 11.54% | 1.59% | 9.34% | 25.21% | |
76 Outperform | $674.00M | 10.33 | 12.51% | 1.57% | 5.87% | 37.99% | |
72 Outperform | $749.59M | 12.18 | 6.83% | 4.16% | 8.23% | -0.07% | |
70 Outperform | $667.27M | 9.81 | 14.20% | 3.09% | 4.29% | 10.56% | |
70 Outperform | $654.64M | 12.33 | 9.01% | 0.84% | 13.41% | 41.78% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
48 Neutral | $744.21M | -5.06 | -10.24% | 2.40% | -8.51% | -185.08% |
* Financial Sector Average
EGBN
Eagle Bancorp
24.51
3.93
19.09%
HTBK
Heritage Commerce
12.17
3.21
35.81%
SMBC
Southern Missouri Bancorp
62.44
11.30
22.11%
IBCP
Independent Bank
32.41
2.63
8.82%
SMBK
SmartFinancial
38.29
7.50
24.34%
SPFI
South Plains Financial
41.27
8.70
26.72%
Eagle Bancorp Corporate Events
Business Operations and StrategyExecutive/Board Changes
Eagle Bancorp Approves Continuity Awards Amid CEO Transition
Positive
Mar 18, 2026
On March 16, 2026, Eagle Bancorp’s board Compensation Committee approved 2026 Continuity Awards for senior management, excluding retiring CEO Susan Riel, to support leadership stability during the search for her successor and ensure continui...
Executive/Board Changes
Eagle Bancorp Updates Executive Long-Term Equity Incentive Plan
Neutral
Feb 25, 2026
On February 19, 2026, Eagle Bancorp, Inc.’s compensation committee approved annual long-term equity incentive awards for its continuing named executive officers under the 2025 Equity Incentive Plan. The package includes stock options priced ...
Business Operations and StrategyDividendsFinancial Disclosures
Eagle Bancorp Returns to Profitability in Fourth Quarter
Positive
Jan 21, 2026
On January 21, 2026, Eagle Bancorp reported unaudited results for the fourth quarter ended December 31, 2025, marking a return to profitability with net income of $7.6 million, or $0.25 per share, versus a net loss of $67.5 million in the third qu...
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.