Eagle Bancorp (EGBN) AI Stock Analysis

• Market Cap: $627.47M
• Dividend Yield: 2.44%
• Average Volume (3M): 509.87K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.58
• 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: 477,760
• 30 Day Avg. Volume: 509,866
• 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: 1.17
• Enterprise Value/Revenue: 1.09
• Enterprise Value/Gross Profit: 6.27
• Enterprise Value/Ebitda: -12.86
• 1Y Price Target: $18.50
• Price Target Upside: -14.35% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 52 Neutral
• Price Target: $21.00 ▼(-2.78% Downside)

Eagle Bancorp's overall stock score reflects significant financial challenges, with declining revenue and profitability being the most impactful factors. Technical analysis shows some positive momentum, but valuation metrics are weak due to recent losses. The earnings call and corporate events provide some optimism for future improvement, but the current financial state weighs heavily on the score.

Positive Factors

Leadership Transition

The retirement of the CEO and appointment of new leadership is expected to positively impact the company's strategic direction and long-term growth.

C&I Loan and Deposit Growth

Growth in C&I loans and deposits indicates strengthening customer relationships and potential for increased revenue from business banking services.

Cost Management Improvement

Effective cost management reflects operational efficiency, which can help improve profitability and financial stability over the long term.

Negative Factors

Declining Revenue and Profitability

Declining revenue and profitability highlight challenges in maintaining revenue streams and controlling costs, impacting long-term financial health.

Rising Criticized Loans

An increase in criticized loans, particularly in the office portfolio, suggests ongoing credit risk and potential for future financial strain.

Significant Decline in Free Cash Flow

The decline in free cash flow limits the company's ability to invest in growth opportunities and maintain liquidity, affecting long-term sustainability.

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

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	354.78M	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	1.42B	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	79.08M	123.44M	195.56M	192.79M	233.15M	130.19M
Operating Cash Flow	80.24M	123.77M	195.63M	194.90M	238.44M	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	544.65M	1.97B

Eagle Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 21.60
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• 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 21.6 is above the 20-day moving average (MA) of 18.49, above the 50-day MA of 18.66, and above the 200-day MA of 19.07, indicating a bullish trend. The MACD of 0.85 indicates Negative momentum. The RSI at 66.01 is Neutral, neither overbought nor oversold. The STOCH value of 74.69 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
IBCP	81 Outperform	$694.84M	10.32	14.51%	3.02%	4.29%	10.56%
HTBK	80 Outperform	$660.02M	15.32	6.26%	4.37%	8.23%	-0.07%
SMBC	79 Outperform	$666.94M	10.82	11.54%	1.58%	9.34%	25.21%
SMBK	79 Outperform	$598.94M	12.83	9.01%	0.86%	13.41%	41.78%
SPFI	79 Outperform	$634.97M	11.14	12.97%	1.53%	5.87%	37.99%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
EGBN	52 Neutral	$627.47M	―	-10.24%	2.44%	-8.51%	-185.08%

Eagle Bancorp Corporate Events

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.

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.