Eagle Bancorp (EGBN) AI Stock Analysis

• Market Cap: $636.53M
• Dividend Yield: 3.15%
• Average Volume (3M): 466.23K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.79
• Revenue Growth: -2.45%
• EPS Growth: 15.35%
• Country: US
• Employees: 451
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): -2.30
• Shares Outstanding: 30,368,984
• 10 Day Avg. Volume: 395,955
• 30 Day Avg. Volume: 466,234
• 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: 1.20
• Enterprise Value/Revenue: 1.14
• Enterprise Value/Gross Profit: 6.55
• Enterprise Value/Ebitda: -13.24
• 1Y Price Target: $20.00
• Price Target Upside: -4.58% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 50 Neutral
• Price Target: $21.00 ▲(0.19% Upside)

Eagle Bancorp's overall stock score reflects significant financial challenges, particularly in revenue and profitability, which are the most impactful factors. Technical analysis shows moderate strength, but valuation concerns persist with a negative P/E ratio. The earnings call provided mixed signals, with strategic progress overshadowed by substantial losses and credit challenges.

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 faces challenges with declining revenue and profitability, impacting its income statement negatively. The balance sheet remains stable with moderate leverage, but there are concerns regarding asset and equity declines. Cash flow statements show strength in cash generation, but strategic adjustments may be needed to address revenue and profitability issues 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.

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.

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.

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	-57.74M	-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: Positive
• Last Price: 20.96
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• 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 Positive. The current price of 20.96 is above the 20-day moving average (MA) of 20.55, above the 50-day MA of 18.91, and above the 200-day MA of 20.57, indicating a bullish trend. The MACD of 0.35 indicates Positive momentum. The RSI at 60.19 is Neutral, neither overbought nor oversold. The STOCH value of 39.93 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
HTBK	76 Outperform	$605.87M	15.53	5.70%	5.27%	6.63%	-19.64%
SMBC	74 Outperform	$581.81M	9.95	11.29%	1.82%	11.74%	17.30%
SMBK	73 Outperform	$597.41M	14.18	8.42%	0.91%	16.38%	63.51%
SPFI	71 Outperform	$631.12M	12.13	12.52%	1.57%	6.07%	20.59%
IBCP	70 Outperform	$639.30M	10.05	14.39%	3.30%	3.17%	-1.53%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
EGBN	50 Neutral	$636.53M	―	-2.63%	3.15%	-2.45%	15.35%

Eagle Bancorp Corporate Events

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.

Eagle Bancorp Reports Q2 2025 Net Loss of $69.8M

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.