Eagle Bancorp (EGBN)
NASDAQ:EGBN
Want to see EGBN full AI Analyst Report?
Top Page
Eagle Bancorp
(NASDAQ:EGBN)
Select Model
Select Model
Rating:52Neutral
Price Target:
$27.00
â–¼(-3.40% Downside)
Action:ReiteratedDate:05/10/26
The score is held down primarily by weak financial performance (TTM losses and negative free cash flow) despite improved leverage. Technicals and valuation are moderately supportive, and the latest earnings call shows operational progress and strong capital/liquidity, but elevated credit/office-related risks and guidance implying intentional balance-sheet shrinkage temper the outlook.
Positive Factors
Funding mix & liquidity
Material reduction in brokered funding and sustained core deposit growth, plus $4.3B liquidity, meaningfully lowers funding volatility and wholesale funding reliance. This structural improvement supports margin stability, liquidity coverage for uninsured deposits, and resilience during continued CRE resolution over the next several quarters.
Negative Factors
Weak profitability
Sustained net losses erode retained earnings and constrain return-on-equity recovery; persistent unprofitability undermines the bank’s ability to organically rebuild capital and invest in growth initiatives. Unless earnings normalize, profitability weakness will constrain strategic options and shareholder returns over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Funding mix & liquidity
Material reduction in brokered funding and sustained core deposit growth, plus $4.3B liquidity, meaningfully lowers funding volatility and wholesale funding reliance. This structural improvement supports margin stability, liquidity coverage for uninsured deposits, and resilience during continued CRE resolution over the next several quarters.
Read all positive factors
Eagle Bancorp (EGBN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$804.47M
Dividend Yield2.4%
Average Volume (3M)493.65K
Price to Earnings (P/E)12.9
Beta (1Y)0.67
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 Cap1.12
Enterprise Value/Revenue1.46
Enterprise Value/Gross Profit24.37
Enterprise Value/Ebitda-5.81
Forecast
1Y Price Target
$30.50Price Target Upside9.12% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.69
Revenue Forecast (FY)$308.55M
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 comme...
How the Company Makes Money
Eagle Bancorp primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is the largest driver for most commercial banks and is earned from the spread between interest income on earning assets and interes...
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 | -155.42M | -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 | -7.41M | 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
25.71
Positive
23.97
Positive
21.43
Positive
Market Momentum
0.64
Negative
73.59
Negative
85.95
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 27.95 is above the 20-day moving average (MA) of 25.78, above the 50-day MA of 25.71, and above the 200-day MA of 21.43, indicating a bullish trend. The MACD of 0.64 indicates Negative momentum. The RSI at 73.59 is Negative, neither overbought nor oversold. The STOCH value of 85.95 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 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 | $768.92M | 10.27 | 12.00% | 1.59% | 4.91% | 20.39% | |
76 Outperform | $711.53M | 10.15 | 14.15% | 3.09% | -0.77% | 6.41% | |
74 Outperform | $722.92M | 12.01 | 9.72% | 0.84% | 12.40% | 38.38% | |
69 Neutral | $777.89M | 11.75 | 12.58% | 1.57% | 3.76% | 19.82% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
52 Neutral | $804.47M | 12.85 | -10.01% | 2.40% | -10.85% | -153.92% |
* Financial Sector Average
EGBN
Eagle Bancorp
26.38
7.35
38.63%
SMBC
Southern Missouri Bancorp
69.22
15.71
29.35%
IBCP
Independent Bank
34.53
3.19
10.19%
SMBK
SmartFinancial
42.28
11.03
35.28%
SPFI
South Plains Financial
40.63
5.96
17.19%
Eagle Bancorp Corporate Events
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...
Executive/Board Changes
Eagle Bancorp Updates Executive Long-Term Equity Incentive Plan
Neutral
Feb 25, 2026
On February 19, 2026, Eagle Bancorp, Inc.’s compensation committee approved annual long-term equity incentive awards for its continuing named executive officers under the 2025 Equity Incentive Plan. The package includes stock options priced ...
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.