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Eagle Bancorp (EGBN)
NASDAQ:EGBN
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Eagle Bancorp
(NASDAQ:EGBN)
Rating:55Neutral
Price Target:
$19.50
▲(0.41% Upside)
Eagle Bancorp (EGBN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$589.77M
Dividend Yield3.4%
Average Volume (3M)643.25K
Price to Earnings (P/E)―
Beta (1Y)0.84
Revenue Growth-2.45%
EPS Growth15.35%
CountryUS
Employees451
SectorFinancial
Sector Strength78
IndustryBanks - Regional
Share Statistics
EPS (TTM)-2.30
Shares Outstanding30,368,984
10 Day Avg. Volume532,320
30 Day Avg. Volume643,248
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)0.00
Price to Sales (P/S)0.00
P/FCF Ratio0.00
Enterprise Value/Market Cap1.30
Enterprise Value/Revenue1.11
Enterprise Value/Gross Profit3.06
Enterprise Value/Ebitda-28.10
Forecast
1Y Price Target
$21.33Price Target Upside9.84% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
Eagle Bancorp Business Overview & Revenue Model
Company DescriptionEagle Bancorp, Inc. (EGBN) is a bank holding company based in the United States, primarily focused on providing a wide range of financial services through its wholly-owned subsidiary, EagleBank. The company operates within the banking sector and offers services such as commercial and residential lending, deposit accounts, treasury management, and other financial products to individuals, businesses, and government entities. EagleBank is known for its community-oriented approach, aiming to foster local economic growth and providing tailored financial solutions.
How the Company Makes MoneyEagle Bancorp generates revenue primarily through interest income from loans and investment securities. The bank's key revenue streams include interest earned on commercial and residential mortgages, construction loans, and lines of credit, alongside interest from its investment portfolio. Additionally, the company earns non-interest income through service charges on deposit accounts, transaction fees, and income from wealth management services. A significant aspect of its revenue model is the interest rate spread, which is the difference between the interest earned on loans and the interest paid on deposits. Partnerships with local businesses and government entities also contribute to its earnings by providing customized financial solutions that drive loan growth and deposit retention.
Eagle Bancorp Earnings Call Summary
Earnings Call Date:Jul 23, 2025
(Q2-2025)
| % Change Since: |
Next Earnings Date:Oct 22, 2025
Earnings Call Sentiment Neutral
The earnings call reflects a challenging quarter marked by significant provisions for credit losses and a net loss. However, there are positive developments, including core deposit growth, net interest margin expansion, and progress in C&I lending, which indicate strategic advancements. The sentiment is balanced by the substantial challenges in the office loan portfolio and the net loss reported.Q2-2025 Updates
Positive Updates
Core Deposit Growth
Notable progress in growing core deposits by $304.1 million, contributing to reduced reliance on wholesale funding.
Pre-Provision Net Revenue Increase
Pre-provision net revenue increased by $2.3 million to $30.7 million, driven by increased net interest income and lower noninterest expenses.
Net Interest Margin Expansion
Net interest margin expanded by 9 basis points from the first quarter to 2.37% due to reduced funding costs and strategic balance sheet management.
C&I Lending Growth
Over two-thirds of loan originations in the second quarter were C&I loans, supporting the strategic objective to diversify the loan portfolio.
Negative Updates
Significant Provision for Credit Losses
A $138 million provision for credit losses impacted the quarter, with $45.4 million related to office loan overlay and $70 million tied to exit strategies.
Net Loss for the Quarter
The company reported a net loss of $69.8 million or $2.30 per share, contrasting with the previous quarter's net income of $1.7 million.
Increase in Nonperforming Loans
Nonperforming loans increased by $26 million to $226.4 million, with significant inflows from office and land properties.
Challenges in Office Loan Portfolio
Structural changes in the office sector led to a reserve coverage increase to 11.54%, with nonperforming assets to total assets increasing to 2.16%.
Company Guidance
During the Eagle Bancorp, Inc. Second Quarter 2025 Earnings Call, the company provided detailed guidance on their financial performance and strategic initiatives. The call revealed a significant net loss of $69.8 million or $2.30 per share for the quarter, attributed mainly to credit reserve building and loan resolution efforts, particularly in the office sector. The allowance for credit losses increased to $183 million, covering 2.38% of total loans, while the ACL coverage ratio for performing office loans rose to 11.54%, up from 5.78% the previous quarter. Despite a challenging quarter marked by $138 million in provisions for credit losses, including $45.4 million related to office overlay, Eagle Bancorp reported positive developments such as a $2.3 million increase in pre-provision net revenue and a nine-basis-point expansion in net interest margin to 2.37%. The bank also highlighted its strategic focus on growing core deposits and reducing reliance on wholesale funding, with average deposits growing by $1 billion year-over-year. Furthermore, management expressed optimism for improved financial performance in the third quarter and a return to a normalized provisioning environment by the first quarter of 2026.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.48
Neutral
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.60
Neutral
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.65
Positive
| 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
Positive
19.42
Price Trends
18.68
Positive
18.43
Positive
21.53
Negative
Market Momentum
0.35
Negative
60.99
Neutral
89.45
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 19.42 is above the 20-day moving average (MA) of 17.95, above the 50-day MA of 18.68, and below the 200-day MA of 21.53, indicating a neutral trend. The MACD of 0.35 indicates Negative momentum. The RSI at 60.99 is Neutral, neither overbought nor oversold. The STOCH value of 89.45 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 39 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
Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $716.97M | 10.80 | 11.48% | 2.53% | 4.55% | 16.84% | |
76 Outperform | $723.84M | 12.09 | 10.60% | 0.87% | 2.03% | 4.81% | |
76 Outperform | $863.84M | 14.33 | 6.84% | 3.80% | 7.86% | 170.93% | |
73 Outperform | $748.54M | 12.85 | 11.69% | 2.14% | 9.68% | 13.46% | |
72 Outperform | $681.14M | 10.71 | 14.39% | 3.10% | 3.17% | -1.53% | |
68 Neutral | $17.93B | 11.86 | 10.28% | 3.71% | 9.75% | 1.60% | |
55 Neutral | $589.77M | ― | -2.63% | 3.40% | -2.45% | 15.35% |
* Financial Sector Average
Performance Comparison
EGBN
Eagle Bancorp
19.42
-1.41
-6.77%
CCBG
Capital City Bank
43.86
10.10
29.92%
GSBC
Great Southern Bancorp
63.29
6.24
10.94%
HBNC
Horizon Bancorp
16.86
1.54
10.05%
HTB
Hometrust Bancshares
41.36
6.27
17.87%
IBCP
Independent Bank
32.89
-0.12
-0.36%
Eagle Bancorp Corporate Events
DividendsBusiness Operations and StrategyFinancial Disclosures
Eagle Bancorp Reports Q2 2025 Net Loss of $69.8M
Negative
Jul 23, 2025
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.
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.