A Business at a Glance
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EAGLE BANCORP INC
EGBN
$863M
Mkt Cap
$28.44
+3.04%
EAGLE BANCORP INC (EGBN) has a 5-year average return on invested capital (ROIC) of 3.1%. This is below average and may indicate limited pricing power.
EAGLE BANCORP INC (EGBN) has a market capitalization of $867M. It is classified as a small-cap stock.
Yes, EAGLE BANCORP INC (EGBN) pays a dividend with a trailing twelve-month yield of 1.23%.
EAGLE BANCORP INC (EGBN) operates in the State Commercial Banks industry, within the Financials sector.
EAGLE BANCORP INC (EGBN) reported annual revenue of $634 million in its most recent fiscal year, based on SEC EDGAR filings.
EAGLE BANCORP INC (EGBN) has a net profit margin of -21.8%. The company is currently unprofitable.
EAGLE BANCORP INC (EGBN) generated $21 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Table of Contents Part I In this report, unless otherwise expressly stated or the context otherwise requires, the terms "we," "us," the "Company," "Eagle" and "our" refer to Eagle Bancorp, Inc. and our subsidiaries on a consolidated basis, except in the description of any of our securities, in which case these terms refer solely to Eagle Bancorp, Inc. and not to any of our subsidiaries. References to "EagleBank" or "Bank" refer to EagleBank, which is our principal operating subsidiary. This report contains additional trade names and trademarks of other companies. We do not intend our use or display of other companies' trade names or trademarks to imply an endorsement or sponsorship of us by such companies or any relationship with any of these companies. Eagle Bancorp, Inc. (the "Company"), headquartered in Bethesda, Maryland, was incorporated under the laws of the State of Maryland on October 28, 1997, to serve as the bank holding company for EagleBank (the "Bank").
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 302M | 634M | 708M | 647M | 448M | 405M |
| Net Income | -125M | -138M | -47M | 101M | 141M | 177M |
| EPS | $-4.12 | $-4.55 | $-1.56 | $3.31 | $4.39 | $5.52 |
| Free Cash Flow | -8.0M | 21M | 123M | 196M | 193M | 233M |
| ROIC | 0.0% | -11.0% | -3.7% | 7.8% | 10.4% | 12.1% |
| Gross Margin | - | 4.1% | 45.3% | 43.4% | 79.5% | 84.9% |
| Debt/Equity | 0.07 | 0.07 | 0.46 | 1.08 | 0.88 | 0.29 |
| Dividends/Share | $0.35 | $0.51 | $1.07 | $1.80 | $1.75 | $1.40 |
| Operating Income | 0 | -196M | -30M | 128M | 190M | 238M |
| Operating Margin | 0.0% | -31.0% | -4.3% | 19.7% | 42.3% | 58.7% |
| ROE | -10.9% | -11.7% | -3.8% | 8.0% | 10.9% | 13.6% |
| Shares Outstanding | 30M | 30M | 30M | 30M | 32M | 32M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 210M | 280M | 313M | 353M | 416M | 455M | 436M | 405M | 448M | 647M | 708M | 634M | 302M |
| Gross Margin | 88.6% | 87.9% | 87.6% | 86.1% | 79.6% | 73.9% | 73.9% | 84.9% | 79.5% | 43.4% | 45.3% | 4.1% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 57M | 62M | 67M | 67M | 68M | 80M | 74M | 88M | 84M | 86M | 88M | 88M | 89M |
| EBIT | 86M | 135M | 159M | 186M | 204M | 197M | 176M | 238M | 190M | 128M | -30M | -196M | 0 |
| Op. Margin | 41.1% | 48.3% | 50.8% | 52.6% | 49.1% | 43.2% | 40.4% | 58.7% | 42.3% | 19.7% | -4.3% | -31.0% | 0.0% |
| Net Income | 54M | 84M | 98M | 100M | 152M | 143M | 132M | 177M | 141M | 101M | -47M | -138M | -125M |
| Net Margin | 25.6% | 29.9% | 31.2% | 28.4% | 36.6% | 31.4% | 30.3% | 43.6% | 31.4% | 15.5% | -6.6% | -21.8% | -41.4% |
| Non-Recurring | 660K | 3.4M | 1.2M | 542K | 97K | 1.5M | 1.8M | 3.0M | -169K | -11K | 104M | -3.8M | -3.8M |
| Returns on Capital | |||||||||||||
| ROIC | 9.1% | 10.8% | 10.5% | 9.0% | 12.2% | 10.5% | 9.1% | 12.1% | 10.4% | 7.8% | -3.7% | -11.0% | 0.0% |
| ROE | 10.6% | 12.3% | 12.4% | 11.2% | 14.8% | 12.4% | 10.9% | 13.6% | 10.9% | 8.0% | -3.8% | -11.7% | -10.9% |
| ROA | 1.2% | 1.5% | 1.5% | 1.4% | 1.9% | 1.6% | 1.3% | 1.5% | 1.2% | 0.9% | -0.4% | -1.3% | -1.3% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 60M | 99M | 117M | 161M | 165M | 133M | 133M | 238M | 195M | 196M | 124M | 28M | 182K |
| Free Cash Flow | 54M | 94M | 109M | 155M | 164M | 130M | 130M | 233M | 193M | 196M | 123M | 21M | -8.0M |
| Owner Earnings | 47M | 86M | 104M | 148M | 152M | 119M | 123M | 225M | 182M | 182M | 111M | 19M | -9.6M |
| CapEx | 5.2M | 4.7M | 7.4M | 5.8M | 1.5M | 2.8M | 2.9M | 5.3M | 2.1M | 70K | 326K | 7.7M | 8.2M |
| Maint. CapEx | 9.0M | 7.8M | 6.2M | 6.9M | 7.0M | 6.2M | 4.7M | 5.9M | 3.3M | 3.5M | 3.2M | 2.9M | 2.7M |
| Growth CapEx | 0 | 0 | 1.2M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4.8M | 5.5M |
| D&A | 9.0M | 7.8M | 6.2M | 6.9M | 7.0M | 6.2M | 4.7M | 5.9M | 3.3M | 3.5M | 3.2M | 2.9M | 2.7M |
| CapEx/OCF | 8.8% | 4.7% | 6.4% | 3.6% | 0.9% | 2.1% | 2.2% | 2.2% | 1.1% | 0.0% | 0.3% | N/A | 4495.6% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 614K | 600K | 0 | 0 | 0 | 22M | 28M | 45M | 56M | 55M | 46M | 15M | 11M |
| Dividend Yield | 0.1% | 0.1% | N/A | N/A | N/A | 1.7% | 3.2% | 3.1% | 4.1% | 7.2% | 6.9% | N/A | 1.2% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 55M | 61M | 682K | 33M | 48M | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | 4.2% | 5.7% | 0.0% | 2.7% | 5.6% | N/A | 0.0% | 0.0% |
| Stock-Based Comp | 4.0M | 5.1M | 6.9M | 5.6M | 6.5M | 7.7M | 5.3M | 7.8M | 9.9M | 10M | 9.6M | 7.0M | 7.0M |
| Debt Repayment | 80M | 49M | 148M | 391K | 0 | 0 | 0 | 200M | 0 | 325M | 880M | 490M | 490M |
| Balance Sheet | |||||||||||||
| Net Debt | -81M | -644M | -288M | -161M | -858M | -586M | -2.3B | -3.9B | 753M | -859M | -1.3B | -619M | -503M |
| Cash & Equiv. | 256M | 298M | 368M | 190M | 322M | 242M | 1.8B | 1.7B | 312M | 723M | 633M | 696M | 579M |
| Long-Term Debt | 119M | 70M | 217M | 217M | 217M | 218M | 268M | 70M | 70M | 0 | 76M | 76M | 77M |
| Debt/Equity | 0.36 | 0.19 | 0.73 | 0.65 | 0.22 | 0.42 | 0.48 | 0.29 | 0.88 | 1.08 | 0.46 | 0.07 | 0.07 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Equity | 621M | 739M | 843M | 950M | 1.1B | 1.2B | 1.2B | 1.4B | 1.2B | 1.3B | 1.2B | 1.1B | 1.1B |
| Total Assets | 5.2B | 6.1B | 6.9B | 7.5B | 8.4B | 9.0B | 11.1B | 11.8B | 11.2B | 11.7B | 11.1B | 10.5B | 10.0B |
| Total Liabilities | 4.6B | 5.3B | 6.0B | 6.5B | 7.3B | 7.8B | 9.9B | 10.5B | 9.9B | 10.4B | 9.9B | 9.4B | 8.8B |
| Intangibles | 110M | 109M | 3.3M | 3.0M | 1.6M | 571K | 946K | 1.6M | 65K | 757K | 16K | N/A | N/A |
| Retained Earnings | 150M | 234M | 331M | 432M | 584M | 705M | 798M | 930M | 1.0B | 1.1B | 982M | 838M | 852M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 1.95 | 2.50 | 2.86 | 2.92 | 4.42 | 4.18 | 4.09 | 5.52 | 4.39 | 3.31 | -1.56 | -4.55 | -4.12 |
| Owner EPS | 1.69 | 2.56 | 3.04 | 4.33 | 4.41 | 3.47 | 3.81 | 7.02 | 5.66 | 6.00 | 3.68 | 0.61 | -0.31 |
| Book Value | 22.57 | 22.10 | 24.67 | 27.69 | 32.19 | 34.82 | 38.39 | 42.20 | 38.26 | 41.95 | 40.66 | 37.29 | 37.56 |
| Cash Flow/Share | 2.16 | 2.95 | 3.42 | 4.69 | 4.80 | 3.88 | 4.12 | 7.45 | 6.07 | 6.44 | 4.11 | 0.94 | -4.01 |
| Dividends/Share | 0.02 | 0.02 | N/A | N/A | 0.00 | 0.66 | 0.88 | 1.40 | 1.75 | 1.80 | 1.07 | 0.51 | 0.35 |
| Shares Out. | 27.5M | 33.4M | 34.2M | 34.3M | 34.5M | 34.2M | 32.3M | 32.0M | 32.1M | 30.4M | 30.2M | 30.3M | 30.5M |
| Valuation | |||||||||||||
| P/E Ratio | 14.4 | 16.0 | 16.9 | 15.7 | 8.7 | 9.2 | 8.1 | 8.7 | 8.6 | 8.5 | N/A | N/A | -6.9 |
| P/FCF | 14.2 | 14.2 | 15.1 | 10.1 | 8.0 | 10.1 | 8.3 | 6.6 | 6.3 | 4.4 | 6.2 | N/A | N/A |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 1.2 | 1.8 | 2.0 | 1.7 | 1.2 | 1.1 | 0.9 | 1.1 | 1.0 | 0.7 | 0.6 | N/A | 0.8 |
| Price/Sales | 3.7 | 4.2 | 4.7 | 5.3 | 4.5 | 3.8 | 2.4 | 3.9 | 3.9 | 2.5 | 2.1 | N/A | 2.9 |
| FCF Yield | 7.0% | 7.0% | 6.6% | 9.9% | 12.4% | 9.9% | 12.1% | 15.1% | 15.9% | 22.8% | 16.2% | N/A | -0.9% |
| Market Cap | 773M | 1.3B | 1.7B | 1.6B | 1.3B | 1.3B | 1.1B | 1.5B | 1.2B | 859M | 764M | 0 | 867M |
| Avg. Price | 26.30 | 33.04 | 39.22 | 48.26 | 44.72 | 38.71 | 27.30 | 44.44 | 42.83 | 25.29 | 21.91 | 0.00 | 28.44 |
| Year-End Price | 28.11 | 39.93 | 48.44 | 45.83 | 38.26 | 38.45 | 33.24 | 48.23 | 37.73 | 28.29 | 25.35 | 0.00 | 28.44 |
EAGLE BANCORP INC passes 1 of 9 quality checks, indicating weak fundamentals.
On a free-cash-flow basis, the stock trades at 22.0x vs a median of 8.0x. The company's 5-year average ROIC is 3.1% with a gross margin of 51.4%. Total shareholder yield (dividends) is 1.2%. At current prices, the estimated annualized return to fair value is -3.4%.
EAGLE BANCORP INC (EGBN) has a debt-to-equity ratio of 0.07. This indicates a conservatively financed balance sheet.
EAGLE BANCORP INC (EGBN) reported earnings per share (EPS) of $-4.55 in its most recent fiscal year.
EAGLE BANCORP INC (EGBN) has a return on equity (ROE) of -11.7%. A negative ROE may indicate losses or negative equity.
EAGLE BANCORP INC (EGBN) has a 5-year average gross margin of 51.4%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for EAGLE BANCORP INC (EGBN), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
EAGLE BANCORP INC (EGBN) has a book value per share of $37.29, based on its most recent annual SEC filing.