Eagle Bancorp (EGBN) AI Stock Analysis

• Market Cap: $514.59M
• Dividend Yield: 3.9%
• Average Volume (3M): 247.48K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.93
• Revenue Growth: 1.68%
• EPS Growth: -159.14%
• Country: US
• Employees: 451
• Sector: Financial
• Sector Strength: 76
• Industry: Banks - Regional
• EPS (TTM): 0.06
• Shares Outstanding: 30,377,390
• 10 Day Avg. Volume: 301,024
• 30 Day Avg. Volume: 247,476
• PEG Ratio: -0.37
• Price to Book (P/B): 0.72
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 4.68
• Enterprise Value/Market Cap: 4.29
• Enterprise Value/Revenue: 0.95
• Enterprise Value/Gross Profit: 3.62
• Enterprise Value/Ebitda: -29.86
• 1Y Price Target: $21.75
• Price Target Upside: 26.23% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 4

• Rating: 55 Neutral
• Price Target: ―

Eagle Bancorp's overall stock score reflects a blend of solid revenue growth and a strong capital position, offset by concerns about increased leverage, declining cash flow, and valuation. The technical indicators suggest bearish momentum, while earnings call highlights both operational strengths and strategic challenges. Investors should weigh the strong dividend yield against potential risks in valuation and asset quality.

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 commercial loans for working capital, equipment purchases, real estate lines of credit, and government contract financing; asset based lending and accounts receivable financing; construction and commercial real estate loans; business equipment financing; consumer home equity lines of credit, personal lines of credit, and term loans; consumer installment loans, such as auto and personal loans; personal credit cards; and residential mortgage loans. In addition, it provides online and mobile banking services; and other services, including cash management services, business sweep accounts, lock boxes, remote deposit captures, account reconciliation services, merchant card services, safety deposit boxes, and automated clearing house origination, as well as after-hours depositories and ATM services. Further, the company offers insurance products and services through a referral program. The company serves sole proprietors, small and medium-sized businesses, partnerships, corporations, non-profit organizations and associations, and individuals, as well as investors. As of December 31, 2021, it operated seventeen banking offices comprising 6 in Suburban Maryland, 5 in the District of Columbia, and 6 in Northern Virginia. Eagle Bancorp, Inc. was incorporated in 1997 and is headquartered in Bethesda, Maryland.

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 demonstrates solid revenue growth and profitability, with a satisfactory net profit margin. However, increased leverage and a significant drop in free cash flow raise concerns about financial stability and cash management. The bank's capital structure is sound, but careful monitoring of debt levels and cash flow is recommended to maintain long-term financial health.

Income Statement

Eagle Bancorp's revenue growth from 2023 to 2024 was robust at approximately 11.12%, reflecting a positive trend in business operations. However, the net profit margin remained stable at around 32.22% in 2024 compared to the previous year. EBIT and EBITDA data are not available for 2024, limiting a full assessment of operational efficiency.

Balance Sheet

The company maintains a moderate equity ratio of 11.02% in 2024, suggesting a strong capital base. The debt-to-equity ratio increased significantly to 0.42, indicating a rise in leverage that could pose future risks if not managed properly. Return on Equity remains robust at approximately 8.20%, showing effective use of equity capital.

Cash Flow

Free cash flow experienced a sharp decline of over 52.65% from 2023 to 2024, signaling potential cash management issues. However, the operating cash flow to net income ratio remained favorable, indicating efficient conversion of net income to cash flow. The free cash flow to net income ratio also indicates adequate cash generation relative to profits.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
308.63M	280.81M	356.52M	364.90M	367.26M
	Gross Profit
308.63M	280.81M	356.52M	364.90M	367.26M
	EBIT
73.93M	0.00	278.11M	237.67M	176.15M
	EBITDA
0.00	462.00K	193.00M	243.55M	180.84M
	Net Income Common Stockholders
-47.03M	100.53M	140.93M	176.69M	132.22M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
1.28B	722.68M	1.88B	4.32B	2.91B
	Total Assets
11.13B	11.66B	11.15B	11.85B	11.12B
	Total Debt
589.92M	93.16M	1.07B	405.17M	596.10M
	Net Debt
-40.98M	-625.79M	796.13M	-1.29B	-1.16B
	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: 17.23
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• 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 17.23 is below the 20-day moving average (MA) of 17.49, below the 50-day MA of 18.33, and below the 200-day MA of 22.80, indicating a bearish trend. The MACD of -0.33 indicates Positive momentum. The RSI at 44.29 is Neutral, neither overbought nor oversold. The STOCH value of 11.67 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	78 Outperform	$617.00M	11.15	9.96%	1.36%	5.23%	-8.00%
CCBG	73 Outperform	$625.23M	10.89	11.83%	2.62%	8.13%	11.18%
IBCP	71 Outperform	$629.29M	9.66	15.04%	3.42%	5.59%	7.03%
GSBC	70 Outperform	$641.40M	9.99	11.13%	2.86%	7.98%	10.16%
HBNC	67 Neutral	$637.65M	14.05	6.06%	4.43%	9.55%	90.70%
Sector *	64 Neutral	$12.73B	9.92	7.90%	78.88%	12.06%	-7.95%
EGBN	55 Neutral	$514.59M	―	-3.60%	3.90%	1.68%	-159.14%

Eagle Bancorp Corporate Events

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.

Eagle Bancorp Reports Q1 2025 Income Decline

Eagle Bancorp, Inc. reported a significant decline in net income for the first quarter of 2025, with earnings dropping to $1.7 million from $15.3 million in the previous quarter. The decrease was attributed to increased provision expenses, a decline in net interest income, and higher noninterest expenses. Despite these challenges, the company announced a cash dividend and reported growth in its C&I portfolio and total deposits, reflecting its strategic focus. The company also highlighted concerns over valuation risks in its office portfolio and noted an increase in credit loss reserves. Eagle Bancorp remains committed to its long-term strategy of capital accretion and maintaining a strong capital position.