Eagle Bancorp (EGBN) AI Stock Analysis

• Market Cap: $498.09M
• Dividend Yield: 3.08%
• Average Volume (3M): 465.30K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.65
• Revenue Growth: -8.51%
• EPS Growth: -185.08%
• Country: US
• Employees: 451
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): -2.22
• Shares Outstanding: 30,371,237
• 10 Day Avg. Volume: 523,839
• 30 Day Avg. Volume: 465,303
• 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: 1.47
• Enterprise Value/Revenue: 1.09
• Enterprise Value/Gross Profit: 6.27
• Enterprise Value/Ebitda: -12.86
• 1Y Price Target: $18.50
• Price Target Upside: 12.80% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 46 Neutral
• Price Target: $19.00 ▲(15.85% Upside)

Eagle Bancorp's overall stock score reflects significant financial and technical challenges. Declining revenue and profitability, coupled with bearish technical indicators, weigh heavily on the score. While there are some positive signs from the earnings call, such as improved cost management and loan growth, the extent of credit issues and net losses remain major concerns.

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 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 Financial Statement Overview

Summary

Eagle Bancorp's financial performance is under pressure with declining revenue and profitability. The income statement shows negative growth rates and margins, while the balance sheet reflects low leverage but concerning profitability metrics. Cash flow generation is also challenged, with significant declines in free cash flow growth.

Income Statement

Eagle Bancorp's income statement shows a concerning trend with declining revenue and profitability. The TTM data indicates a negative revenue growth rate of -2.46% and a negative net profit margin of -4.60%. The company has experienced a significant drop in gross profit margin from 43.41% in 2023 to 17.35% in the TTM period. These figures suggest challenges in maintaining revenue and controlling costs, impacting overall profitability.

Balance Sheet

The balance sheet reflects a moderate financial position with a debt-to-equity ratio of 0.16 in the TTM period, indicating low leverage. However, the return on equity is negative at -2.54%, reflecting recent losses. The equity ratio remains stable, suggesting a solid asset base, but the declining ROE highlights profitability concerns.

Cash Flow

Cash flow analysis reveals a significant decline in free cash flow growth at -51.64% in the TTM period. The operating cash flow to net income ratio is 0.92, indicating decent cash generation relative to net income. However, the negative growth in free cash flow is a concern for future liquidity and investment capabilities.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	673.19M	707.50M	646.86M	448.27M	404.88M	435.68M
Gross Profit	116.79M	244.39M	280.81M	356.52M	386.84M	320.31M
EBITDA	-56.96M	-27.04M	131.00M	193.00M	243.55M	180.84M
Net Income	-31.00M	-47.03M	100.53M	140.93M	176.69M	132.22M
Balance Sheet
Total Assets	10.60B	11.13B	11.66B	11.15B	11.85B	11.12B
Cash, Cash Equivalents and Short-Term Investments	1.18B	1.50B	2.23B	1.88B	4.32B	2.91B
Total Debt	187.00M	623.08M	1.49B	1.11B	429.09M	622.83M
Total Liabilities	9.42B	9.90B	10.39B	9.92B	10.50B	9.88B
Stockholders Equity	1.19B	1.23B	1.27B	1.23B	1.35B	1.24B
Cash Flow
Free Cash Flow	79.26M	123.44M	195.56M	192.79M	234.25M	130.19M
Operating Cash Flow	80.24M	123.77M	195.63M	194.90M	239.53M	133.14M
Investing Cash Flow	360.07M	310.74M	-97.70M	-927.08M	-857.92M	-557.68M
Financing Cash Flow	-725.81M	-523.71M	312.90M	-670.19M	543.55M	1.97B

Eagle Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 16.40
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: 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 16.4 is below the 20-day moving average (MA) of 17.36, below the 50-day MA of 19.30, and below the 200-day MA of 19.62, indicating a bearish trend. The MACD of -0.91 indicates Positive momentum. The RSI at 35.14 is Neutral, neither overbought nor oversold. The STOCH value of 64.04 is Neutral, 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
HTBK	75 Outperform	$651.95M	15.10	6.26%	4.84%	8.23%	-0.07%
SMBC	74 Outperform	$611.28M	9.92	11.54%	1.81%	9.34%	25.21%
SMBK	74 Outperform	$598.94M	12.83	9.01%	0.92%	13.41%	41.78%
IBCP	72 Outperform	$626.46M	9.29	14.51%	3.34%	4.29%	10.56%
SPFI	72 Outperform	$590.85M	10.38	12.97%	1.63%	5.87%	37.99%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
EGBN	46 Neutral	$498.09M	―	-10.24%	3.08%	-8.51%	-185.08%

Eagle Bancorp Corporate Events

Eagle Bancorp Earnings Call: Navigating Challenges and Growth

Eagle Bancorp’s recent earnings call highlighted a bank navigating significant credit challenges, particularly within its office loan portfolio, resulting in another quarterly net loss. Despite these hurdles, there were encouraging signs of growth in commercial and industrial (C&I) loans and deposits, alongside validation of reserve adequacy by an independent review. Cost management also showed improvement, but the extent of credit issues and net losses suggests more work is needed to stabilize and improve profitability.

Eagle Bancorp Reports Q3 2025 Net Loss Improvement

Eagle Bancorp announced a net loss of $67.5 million for the third quarter of 2025, an improvement from the previous quarter’s loss, due to a decrease in provision expense. The company declared a cash dividend of $0.01 per share, with significant changes in loan and deposit balances, and a decrease in nonperforming assets. The resignation of Chief Credit Officer Kevin Geoghegan was also announced, effective December 31, 2025, with interim replacements appointed.

The most recent analyst rating on (EGBN) stock is a Hold with a $18.00 price target. To see the full list of analyst forecasts on Eagle Bancorp stock, see the EGBN Stock Forecast page.

Eagle Bancorp Appoints New Independent Directors

On September 8, 2025, Eagle Bancorp, Inc. announced the appointment of Kris Pederson and Ted Wilm as independent directors to its Board of Directors and the Board of EagleBank. This strategic move increases the board to ten members, nine of whom are independent, and aims to leverage the extensive experience of both appointees in business management and financial services to strengthen EagleBank’s strategic initiatives and long-term success.

The most recent analyst rating on (EGBN) stock is a Hold with a $19.50 price target. To see the full list of analyst forecasts on Eagle Bancorp stock, see the EGBN Stock Forecast page.

Eagle Bancorp Reports Q2 2025 Financial Results

Eagle Bancorp, Inc., headquartered in Bethesda, Maryland, is a holding company for EagleBank, one of the largest community banks in the Washington D.C. area, focusing on building relationships with businesses, professionals, and individuals in its marketplace.

Eagle Bancorp Faces Challenges Despite Deposit Growth

Eagle Bancorp’s recent earnings call painted a mixed picture, with some positive developments overshadowed by significant financial challenges. While the company reported growth in core deposits and an improvement in net interest margin, these were eclipsed by a substantial net loss, high credit loss provisions, and increased nonperforming and criticized loans. The overall sentiment of the call leaned towards negative due to these financial setbacks and ongoing credit challenges.