Eagle Bancorp (EGBN) AI Stock Analysis

• Market Cap: $812.73M
• Dividend Yield: 2.4%
• Average Volume (3M): 493.65K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.50
• Revenue Growth: -8.51%
• EPS Growth: -185.08%
• Country: US
• Employees: 451
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.25
• Shares Outstanding: 30,371,237
• 10 Day Avg. Volume: 487,912
• 30 Day Avg. Volume: 493,648
• PEG Ratio: 0.11
• Price to Book (P/B): 0.64
• Price to Sales (P/S): 1.11
• P/FCF Ratio: 6.36
• Enterprise Value/Market Cap: 1.18
• Enterprise Value/Revenue: 1.49
• Enterprise Value/Gross Profit: 241.49
• Enterprise Value/Ebitda: -5.71
• 1Y Price Target: $24.00
• Price Target Upside: -10.31% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 61 Neutral
• Price Target: $28.00 ▲(4.63% Upside)

The score is driven primarily by pressured financial performance (recent losses and weaker revenue/FCF momentum) balanced by a constructive earnings-call outlook and clear recent operational improvements. Technicals are supportive but look overbought, and valuation is only moderately supportive given the negative P/E and modest yield.

Positive Factors

Return to profitability (Q4 2025)

Moving from a large quarterly loss to positive net income shows tangible operational recovery and indicates improving credit trends and cost control. A sustained return to profitability would restore internal capital generation, supporting underwriting, reserve rebuilding and strategic flexibility over coming quarters.

Deposit mix improvement and liquidity

Shifting funding from brokered to core deposits and maintaining $4.7B liquidity materially improves funding durability and lowers rollover risk. A stronger deposit base supports lower funding costs and NIM expansion potential while providing room to fund loan growth without reliance on short-term wholesale balances.

Solid capital ratios and tangible book

Healthy regulatory and tangible capital metrics provide a durable cushion against credit stress and enable measured balance-sheet repositioning. Strong capital ratios support regulatory compliance, dividend capacity and opportunistic lending or M&A as credit trends normalize over the medium term.

Negative Factors

Elevated criticized/classified loan balances

A criticized/classified stock near 10.6% of loans is a persistent credit overhang that can require higher provisioning and constrain lending and capital deployment. Even with recent declines, this level requires multiple quarters of sustained improvement before reserve and profitability pressures abate.

Concentrated office loan reserves and exposure

Heavy reserving against a concentrated office portfolio signals structural stress in CRE office assets. Continued weakness or slow occupancy recovery could force further reserves, limiting earnings recovery and capital flexibility, and requires prolonged resolution timelines in the real estate cycle.

Profitability deterioration and revenue decline

A swing to negative margins and declining trailing revenue highlight elevated earnings volatility and weaker top-line momentum. Sustained profitability must rely on stable NII, recovered fee income and expense control; until then internal cash generation and capacity to absorb shocks remain constrained.

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 loans and investments, as well as non-interest income from various banking services. The key revenue streams include interest earned on commercial, residential, and consumer loans, which represent a significant portion of the company's earnings. Additionally, the bank earns fees from services like account maintenance, transaction processing, and wealth management. Significant partnerships with local businesses and real estate developers enable the bank to expand its loan portfolio and enhance its service offerings, contributing to its overall profitability. Furthermore, effective management of interest rate risk and operational efficiency plays a crucial role in optimizing earnings.

Eagle Bancorp Financial Statement Overview

Summary

Overall fundamentals are mixed. The income statement is the key weakness with a sharp swing to losses and declining TTM revenue, while the balance sheet looks acceptable on latest leverage but with concerning recent-return and prior leverage history. Cash flow is a relative positive (operating and free cash flow remain positive), though free cash flow momentum has weakened materially.

Income Statement

Profitability has deteriorated sharply. TTM (Trailing-Twelve-Months) revenue declined (-4.2%) and the company posted a sizeable net loss (about -20% net margin), a significant step down from 2023’s solid profitability. Annual results also show a clear break in trend: 2024 swung to a loss after strong earnings in 2021–2023, indicating elevated earnings volatility and pressure on operating performance.

Balance Sheet

Leverage appears manageable on the latest period, with TTM (Trailing-Twelve-Months) debt-to-equity at ~0.13 and equity of ~$1.12B against ~$10.8B of assets, suggesting a reasonable capital base. However, the trajectory is a concern: debt-to-equity was materially higher in prior years (peaking above 1.0 in 2023), and negative returns in 2024 and TTM (Trailing-Twelve-Months) signal that capital is not currently generating positive shareholder returns.

Cash Flow

Cash generation remains positive despite accounting losses: TTM (Trailing-Twelve-Months) operating cash flow (~$45M) and free cash flow (~$39M) are both positive, and free cash flow remains relatively close to net income in magnitude. The key weakness is momentum—TTM (Trailing-Twelve-Months) free cash flow fell about 50% versus the prior period, pointing to reduced internal funding capacity at the same time earnings have turned negative.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	645.02M	707.50M	646.86M	448.27M	404.88M	435.68M
Gross Profit	3.97M	244.39M	280.81M	354.78M	386.84M	320.31M
EBITDA	-168.03M	-27.04M	131.00M	193.00M	243.55M	180.84M
Net Income	-120.32M	-47.03M	100.53M	140.93M	176.69M	132.22M
Balance Sheet
Total Assets	10.82B	11.13B	11.66B	11.15B	11.85B	11.12B
Cash, Cash Equivalents and Short-Term Investments	1.62B	1.50B	2.23B	1.88B	4.32B	2.91B
Total Debt	126.35M	623.08M	1.49B	1.11B	429.09M	622.83M
Total Liabilities	9.69B	9.90B	10.39B	9.92B	10.50B	9.88B
Stockholders Equity	1.12B	1.23B	1.27B	1.23B	1.35B	1.24B
Cash Flow
Free Cash Flow	39.47M	123.44M	195.56M	192.79M	233.15M	130.19M
Operating Cash Flow	44.50M	123.77M	195.63M	194.90M	238.44M	133.14M
Investing Cash Flow	552.09M	310.74M	-97.70M	-927.08M	-857.92M	-557.68M
Financing Cash Flow	-356.31M	-523.71M	312.90M	-670.19M	544.65M	1.97B

Eagle Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 26.76
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Neutral

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 26.76 is above the 20-day moving average (MA) of 23.61, above the 50-day MA of 21.61, and above the 200-day MA of 19.40, indicating a bullish trend. The MACD of 1.55 indicates Negative momentum. The RSI at 70.25 is Negative, neither overbought nor oversold. The STOCH value of 60.37 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for EGBN.

Eagle Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HTBK	79 Outperform	$781.22M	16.38	6.26%	4.16%	8.23%	-0.07%
IBCP	79 Outperform	$727.32M	10.68	14.51%	3.09%	4.29%	10.56%
SMBC	77 Outperform	$706.46M	10.75	11.54%	1.59%	9.34%	25.21%
SPFI	77 Outperform	$678.79M	11.88	12.54%	1.57%	5.87%	37.99%
SMBK	75 Outperform	$679.76M	13.29	9.01%	0.84%	13.41%	41.78%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
EGBN	61 Neutral	$812.73M	-6.34	-10.24%	2.40%	-8.51%	-185.08%

Eagle Bancorp Corporate Events

Eagle Bancorp Returns to Profitability in Fourth Quarter

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 quarter, driven largely by a sharp reduction in provision for credit losses and improved noninterest income, despite higher noninterest expenses tied to loan disposition and valuation charges. The quarter showed progress in credit risk reduction and balance sheet repositioning, including lower nonperforming assets, reduced substandard and special mention loans, significantly lower net charge-offs, and a modestly higher allowance for credit losses, while commercial and industrial lending and deposits grew, capital ratios and liquidity remained strong, and the board declared a $0.01 per share cash dividend payable in February 2026, signaling cautious confidence to shareholders amid ongoing efforts to reduce commercial real estate concentrations and strengthen funding mix and earnings quality.

The most recent analyst rating on (EGBN) stock is a Hold with a $23.50 price target. To see the full list of analyst forecasts on Eagle Bancorp stock, see the EGBN Stock Forecast page.

Eagle Bancorp CEO Retirement Announced

On October 31, 2025, Susan G. Riel, the Chair, President, and CEO of Eagle Bancorp, announced her intention to retire and resign from her roles, with her resignation as Chair effective November 4, 2025, and as President and CEO no later than December 31, 2026. The Board has appointed James A. Soltesz as the new Chair and Louis P. Mathews Jr. as Vice Chair, and is working with an executive search firm to ensure a smooth leadership transition, which is expected to impact the company’s strategic direction and long-term growth positively.

The most recent analyst rating on (EGBN) stock is a Hold with a $19.00 price target. To see the full list of analyst forecasts on Eagle Bancorp stock, see the EGBN Stock Forecast page.