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Eagle Bancorp
(NASDAQ:EGBN)
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Rating:57Neutral
Price Target:
$30.00
▲(8.58% Upside)
Action:Reiterated
Date:10/22/26
The score is held back primarily by weakened financial performance (TTM losses and softer revenue trends), despite supportive balance-sheet leverage and positive cash flow. Technicals add moderate support with the stock trading above key moving averages and neutral momentum. Valuation is mixed: the very high dividend yield helps, but the negative P/E reflects ongoing unprofitability. The latest earnings call was constructive with improving credit trends and guidance for better operating momentum, though credit-risk uncertainty remains a meaningful overhang.
Positive Factors
Strong Capital and Moderate Leverage
Robust regulatory capital and moderate leverage provide EagleBank with greater capacity to absorb credit losses while continuing targeted investment. This financial flexibility supports measured loan growth and reduces dependence on aggressive external funding or immediate capital actions.
Negative Factors
Persistent Unprofitability
Ongoing losses and a softer top-line trajectory show that the bank has not yet restored sustainable earnings power. Negative profitability can constrain internal capital generation, reduce flexibility for investment, and make future results more dependent on credit normalization and operating improvement.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Capital and Moderate Leverage
Robust regulatory capital and moderate leverage provide EagleBank with greater capacity to absorb credit losses while continuing targeted investment. This financial flexibility supports measured loan growth and reduces dependence on aggressive external funding or immediate capital actions.
Read all positive factors
Eagle Bancorp (EGBN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.01B
Dividend Yield0.12%
Average Volume (3M)452.93K
Price to Earnings (P/E)18.8
Beta (1Y)0.49
Revenue Growth-11.03%
EPS GrowthN/A
CountryUS
Employees475
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-1.26
Shares Outstanding30,483,973
10 Day Avg. Volume638,909
30 Day Avg. Volume452,925
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 Cap0.94
Enterprise Value/Revenue1.59
Enterprise Value/Gross Profit6.14
Enterprise Value/Ebitda-25.24
Forecast
1Y Price Target
$32.33Price Target Upside17.02% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)1.81
Revenue Forecast (FY)$294.35M
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. The bank offers a diverse portfolio of lending solutions, including commercial loans for operational cap...
How the Company Makes Money
Eagle Bancorp primarily makes money through its banking operations at EagleBank. A key earnings driver is net interest income: the bank earns interest and fees on loans (such as commercial real estate, construction, commercial and industrial, and ...
Eagle Bancorp Earnings Call Summary
Earnings Call Date:Oct 21, 2026
(Q3-2026)
| % Change Since: |
Next Earnings Date:Jan 27, 2027
Earnings Call Sentiment Positive
The call was predominantly positive. Earnings, net interest margin, capital, funding mix, credit inflows, criticized and classified loans, delinquencies, and business-development activity all improved or showed encouraging momentum. The main challenges were higher nonperforming assets tied to one multifamily relationship, a smaller balance sheet, sequential declines in net interest income and pre-provision net revenue, higher expenses from hiring and investments, continued CRE runoff, and elevated credit-risk levels. Management nevertheless expressed confidence that loan and deposit growth, stronger pipelines, and improving credit trends would support better operating performance beginning in the fourth quarter.Positive Updates
Net Income and Earnings per Share Increased Significantly
Third quarter net income was $24.2 million, or $0.79 per diluted share, compared with $6.9 million, or $0.23 per diluted share, in the second quarter. The increase primarily reflected an $18.6 million reduction in provision expense and a $5.3 million income tax benefit related to a state tax refund.
Negative Updates
Nonperforming Assets Increased
Nonperforming assets increased $52.9 million to $166 million, or 1.75% of total assets. The increase was primarily attributable to a previously identified $56 million Maryland affordable multifamily relationship, which represented 76% of nonperforming inflows during the quarter.
Read all updates
Q3-2026 Updates
Positive
Negative
Net Income and Earnings per Share Increased Significantly
Third quarter net income was $24.2 million, or $0.79 per diluted share, compared with $6.9 million, or $0.23 per diluted share, in the second quarter. The increase primarily reflected an $18.6 million reduction in provision expense and a $5.3 million income tax benefit related to a state tax refund.
Read all positive updates
Company Guidance
Eagle expects pre provision net revenue to increase from third quarter levels in the fourth quarter, average loans and deposits to grow in the fourth quarter and continue growing in 2027, and measured net loan growth beginning in the fourth quarter; approximately $2.8 million of the quarter's expense increase is not expected to remain in the fourth quarter run rate. Management expects more of the same in the fourth quarter for declining criticized and classified assets, said criticized and classified loans should be much improved from $648.4 million at September 30 by year-end, and said a 3-handle, meaning hundreds of millions of dollars, around the end of the second quarter would be the goal, with something around $400 million considered pretty good performance. For 2027, the net interest margin outlook is 2.70% to 3.05%, based partly on about $350 million of investment-portfolio roll off, while the outlook does not include assumptions for future provision expense, charge offs, loan sales, or other credit related items.Eagle Bancorp Financial Statement Overview
Summary
Income Statement
38
Negative
Balance Sheet
60
Neutral
Cash Flow
55
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 596.26M | 634.26M | 707.50M | 646.86M | 448.27M | 404.88M |
| Gross Profit | 154.42M | 20.14M | 244.39M | 280.81M | 354.78M | 386.84M |
| EBITDA | -37.57M | -167.57M | -27.04M | 131.00M | 193.00M | 243.55M |
| Net Income | -38.32M | -128.05M | -47.03M | 100.53M | 140.93M | 176.69M |
Balance Sheet | ||||||
| Total Assets | 9.66B | 10.50B | 11.13B | 11.66B | 11.15B | 11.85B |
| Cash, Cash Equivalents and Short-Term Investments | 13.39M | 1.39B | 1.50B | 2.23B | 1.88B | 4.32B |
| Total Debt | 211.67M | 111.68M | 623.08M | 1.49B | 1.11B | 429.09M |
| Total Liabilities | 8.51B | 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 | 52.87M | 20.76M | 123.44M | 195.56M | 192.79M | 233.15M |
| Operating Cash Flow | 61.18M | 28.50M | 123.77M | 195.63M | 194.90M | 238.44M |
| Investing Cash Flow | 1.22B | 570.43M | 310.74M | -97.70M | -927.08M | -857.92M |
| Financing Cash Flow | -915.79M | -536.72M | -523.71M | 312.90M | -670.19M | 544.65M |
Eagle Bancorp Technical Analysis
Positive
27.63
Price Trends
28.42
Positive
28.11
Positive
26.93
Positive
Market Momentum
1.18
Negative
75.43
Negative
89.41
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 27.63 is below the 20-day moving average (MA) of 29.20, below the 50-day MA of 28.42, and above the 200-day MA of 26.93, indicating a bullish trend. The MACD of 1.18 indicates Negative momentum. The RSI at 75.43 is Negative, neither overbought nor oversold. The STOCH value of 89.41 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 |
|---|---|---|---|---|---|---|---|
81 Outperform | $337.27M | 12.65 | 15.42% | ― | 14.46% | 23.69% | |
75 Outperform | $677.03M | 12.48 | 13.08% | 1.20% | 11.76% | 26.80% | |
72 Outperform | $306.04M | 11.31 | 10.27% | 1.59% | 4.48% | 27.37% | |
70 Outperform | $329.37M | 13.49 | 9.16% | 1.20% | 5.41% | 29.77% | |
68 Neutral | $1.42B | 11.57 | 10.15% | 3.12% | 13.89% | -13.75% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | $1.01B | 18.84 | 4.65% | 0.12% | -11.03% | ― |
* Financial Sector Average
EGBN
Eagle Bancorp
33.15
15.60
88.89%
FVCB
FVCBankcorp
16.97
4.67
38.02%
CBNK
Capital Bancorp
41.56
13.60
48.62%
BHRB
Burke & Herbert Bank & Company
70.47
11.22
18.94%
JMSB
John Marshall Bancorp
23.34
4.42
23.34%
CBNA
Chain Bridge Bancorp, Inc. Class A
51.36
21.55
72.29%
Eagle Bancorp Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Eagle Bancorp Reports Strong Q3 Earnings and Capital
Positive
Oct 21, 2026
Eagle Bancorp reported unaudited net income of $24.2 million, or $0.79 per share, for the third quarter ended September 30, 2026, a sharp increase from $6.9 million, or $0.23 per share, in the prior quarter, largely driven by an $18.6 million redu...
Business Operations and StrategyDividendsFinancial Disclosures
Eagle Bancorp Q2 Earnings Decline Amid Credit Losses
Negative
Jul 22, 2026
For the second quarter ended June 30, 2026, Eagle Bancorp reported unaudited net income of $6.9 million, or $0.23 per share, down from $14.7 million, or $0.48 per share, in the first quarter, mainly due to a sharply higher $21.4 million provision ...
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.