Eagle Bancorp (EGBN)
NASDAQ:EGBN
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Eagle Bancorp
(NASDAQ:EGBN)
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Rating:53Neutral
Price Target:
$28.00
â–²(0.18% Upside)
Action:Reiterated
Date:05/15/26
The score is held back primarily by weak recent financial performance (TTM losses and deteriorated cash generation) and bearish/weak technical momentum. Offsetting these are a healthier, lower-leverage balance sheet and a constructive earnings update showing a return to profitability, improving margin and funding mix, plus a reasonable P/E—tempered by ongoing credit-cost and asset-quality risk.
Positive Factors
De-risked balance sheet and low leverage
Materially lower leverage and a low debt-to-equity ratio strengthen resilience across credit cycles. This durable de‑risking reduces funding and regulatory strain, preserves capital flexibility for loss absorption, and supports a steadier platform while management resolves legacy problem assets.
Negative Factors
Sustained profitability weakness
Extended net losses and collapsing operating margins undermine return on equity and limit the bank's ability to deploy capital or resume growth. Restoring durable profitability is required to rebuild retained earnings, support dividends, and justify long‑term strategic investments without relying on external capital.
Read all positive and negative factors
Positive Factors
Negative Factors
De-risked balance sheet and low leverage
Materially lower leverage and a low debt-to-equity ratio strengthen resilience across credit cycles. This durable de‑risking reduces funding and regulatory strain, preserves capital flexibility for loss absorption, and supports a steadier platform while management resolves legacy problem assets.
Read all positive factors
Eagle Bancorp (EGBN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$850.83M
Dividend Yield2.4%
Average Volume (3M)493.65K
Price to Earnings (P/E)―
Beta (1Y)0.70
Revenue Growth-10.85%
EPS Growth-153.92%
CountryUS
Employees451
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-3.79
Shares Outstanding30,495,617
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 Cap1.09
Enterprise Value/Revenue1.51
Enterprise Value/Gross Profit25.08
Enterprise Value/Ebitda-6.03
Forecast
1Y Price Target
$30.50Price Target Upside9.12% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.7
Revenue Forecast (FY)$307.43M
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:Apr 22, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 29, 2026
Earnings Call Sentiment Positive
The call struck a constructive tone: management demonstrated tangible progress on asset-quality metrics, capital levels, funding mix, and returned the company to profitability after a loss in the prior quarter. Management is intentionally resolving legacy CRE/office exposures which is improving concentration metrics and funding quality but is generating near-term headwinds—higher charge-offs, elevated nonaccruals, and a smaller earning-asset base that pressure NII. The narrative is one of deliberate, disciplined repositioning: short-term earnings and credit volatility are accepted to produce a cleaner balance sheet, stronger funding mix, and improved long-term earnings durability.Positive Updates
Held-for-Sale Progress
Held-for-sale portfolio decreased to $55.7 million from $90.7 million at year-end, and $55.2 million of the $55.7 million was already under contract to be sold (≈99% under contract), reflecting active resolution of legacy exposures.
Negative Updates
Increase in Nonperforming Loans
Nonperforming loans increased $21.9 million in the quarter to $128.8 million, representing 1.86% of total loans, reflecting elevated resolution activity and migrations into nonaccrual.
Read all updates
Q1-2026 Updates
Positive
Negative
Held-for-Sale Progress
Held-for-sale portfolio decreased to $55.7 million from $90.7 million at year-end, and $55.2 million of the $55.7 million was already under contract to be sold (≈99% under contract), reflecting active resolution of legacy exposures.
Read all positive updates
Company Guidance
Management reaffirmed 2026 guidance calling for full‑year NIM of 2.6%–2.8%, noninterest income growth of 15%–25%, and noninterest expense flat to down ~4% (adjusted for notable items), while expecting average deposits, loans and earning assets to decline year‑over‑year as the balance sheet is intentionally repositioned but pre‑provision net revenue expands. In Q1 context they noted NIM of 2.47% (up 9 bps, with ~3 bps pressure from loans moving to nonaccrual), PPNR of $27.7M, net income $14.7M ($0.48/diluted), provision $13.4M, ACL $147.2M (2.12% of loans, including $60M reserved for income‑producing office), net charge‑offs $26M, nonperforming loans $128.8M (1.86% of loans) and criticized/classified balances of $794.1M (67.3% of Tier 1). They also expect CRE to be roughly flat year‑end to year‑end, cited C&I momentum (5% linked‑quarter loan growth, ~20% annualized), and highlighted funding and capital improvements—available liquidity $4.3B, core deposits +$240M YoY, brokered deposits down $921M YoY (‑$413M linked‑quarter), tangible common equity/tangible assets 11.51%, Tier 1 leverage 10.63%, CET1 13.8%, and tangible book value per share $37.56—with further FDIC premium relief anticipated in H2 2026 into 2027.Eagle Bancorp Financial Statement Overview
Summary
Income Statement
18
Very Negative
Balance Sheet
62
Positive
Cash Flow
34
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 616.78M | 634.26M | 707.50M | 646.86M | 448.27M | 404.88M |
| Gross Profit | 37.04M | 20.14M | 244.39M | 280.81M | 354.78M | 386.84M |
| EBITDA | -154.17M | -168.20M | -27.04M | 131.00M | 193.00M | 243.55M |
| Net Income | -115.01M | -128.05M | -47.03M | 100.53M | 140.93M | 176.69M |
Balance Sheet | ||||||
| Total Assets | 9.95B | 10.50B | 11.13B | 11.66B | 11.15B | 11.85B |
| Cash, Cash Equivalents and Short-Term Investments | 12.63M | 1.39B | 1.50B | 2.23B | 1.88B | 4.32B |
| Total Debt | 111.04M | 111.68M | 623.08M | 1.49B | 1.11B | 429.09M |
| Total Liabilities | 8.81B | 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 | -8.00M | 20.76M | 123.44M | 195.56M | 192.79M | 233.15M |
| Operating Cash Flow | 182.00K | 28.50M | 123.77M | 195.63M | 194.90M | 238.44M |
| Investing Cash Flow | 1.12B | 570.43M | 310.74M | -97.70M | -927.08M | -857.92M |
| Financing Cash Flow | -1.22B | -536.72M | -523.71M | 312.90M | -670.19M | 544.65M |
Eagle Bancorp Technical Analysis
Positive
27.95
Price Trends
26.62
Positive
26.14
Positive
23.07
Positive
Market Momentum
0.47
Negative
52.23
Neutral
46.28
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 27.95 is above the 20-day moving average (MA) of 27.15, above the 50-day MA of 26.62, and above the 200-day MA of 23.07, indicating a bullish trend. The MACD of 0.47 indicates Negative momentum. The RSI at 52.23 is Neutral, neither overbought nor oversold. The STOCH value of 46.28 is Neutral, 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 | $788.17M | 11.69 | 12.00% | 1.59% | 4.91% | 20.39% | |
75 Outperform | $715.03M | 10.10 | 14.15% | 3.09% | -0.77% | 6.41% | |
73 Outperform | $758.83M | 14.21 | 9.72% | 0.84% | 12.24% | 38.38% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $799.14M | 11.12 | 12.58% | 1.57% | 3.76% | 19.82% | |
53 Neutral | $850.83M | -7.21 | -10.01% | 2.40% | -10.85% | -153.92% |
* Financial Sector Average
EGBN
Eagle Bancorp
27.24
10.49
62.68%
SMBC
Southern Missouri Bancorp
71.30
20.45
40.21%
IBCP
Independent Bank
34.27
4.90
16.67%
SMBK
SmartFinancial
44.58
13.39
42.91%
SPFI
South Plains Financial
41.39
6.98
20.30%
Eagle Bancorp Corporate Events
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...
Business Operations and StrategyDividendsFinancial Disclosures
Eagle Bancorp Returns to Profitability in First Quarter
Positive
Apr 22, 2026
Eagle Bancorp reported unaudited first-quarter 2026 results on April 22, 2026, posting a return to profitability with net income of $14.7 million, or $0.48 per share, versus a net loss in the fourth quarter of 2025. The rebound was driven largely ...
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...
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.