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EAGLE BANCORP INC (EGBN) Stock Fundamental Analysis

NASDAQ:EGBN - Nasdaq - US2689481065 - Common Stock

24.4504  -0.65 (-2.59%)

Fundamental Rating

2

EGBN gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. Both the profitability and financial health of EGBN have multiple concerns. EGBN has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year EGBN was profitable.
EGBN had a positive operating cash flow in the past year.
Each year in the past 5 years EGBN has been profitable.
EGBN had a positive operating cash flow in each of the past 5 years.
EGBN Yearly Net Income VS EBIT VS OCF VS FCFEGBN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M 200M

1.2 Ratios

Looking at the Return On Assets, with a value of -0.37%, EGBN is doing worse than 95.23% of the companies in the same industry.
EGBN's Return On Equity of -3.44% is on the low side compared to the rest of the industry. EGBN is outperformed by 95.23% of its industry peers.
Industry RankSector Rank
ROA -0.37%
ROE -3.44%
ROIC N/A
ROA(3y)1.21%
ROA(5y)1.28%
ROE(3y)10.81%
ROE(5y)11.02%
ROIC(3y)N/A
ROIC(5y)N/A
EGBN Yearly ROA, ROE, ROICEGBN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

EGBN's Profit Margin has declined in the last couple of years.
The Profit Margin and Operating Margin and Gross Margin are not available for EGBN so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.63%
PM growth 5Y-6.4%
GM growth 3YN/A
GM growth 5YN/A
EGBN Yearly Profit, Operating, Gross MarginsEGBN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30 40

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1

2. Health

2.1 Basic Checks

EGBN does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for EGBN has been reduced compared to 1 year ago.
EGBN has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, EGBN has a worse debt to assets ratio.
EGBN Yearly Shares OutstandingEGBN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M
EGBN Yearly Total Debt VS Total AssetsEGBN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B 8B 10B

2.2 Solvency

The Debt to FCF ratio of EGBN is 6.50, which is on the high side as it means it would take EGBN, 6.50 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.50, EGBN is doing worse than 68.59% of the companies in the same industry.
EGBN has a Debt/Equity ratio of 0.90. This is a neutral value indicating EGBN is somewhat dependend on debt financing.
EGBN's Debt to Equity ratio of 0.90 is on the low side compared to the rest of the industry. EGBN is outperformed by 85.68% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.9
Debt/FCF 6.5
Altman-Z N/A
ROIC/WACCN/A
WACC14.85%
EGBN Yearly LT Debt VS Equity VS FCFEGBN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
EGBN Yearly Current Assets VS Current LiabilitesEGBN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B

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2

3. Growth

3.1 Past

EGBN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -48.10%.
Measured over the past years, EGBN shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.68% on average per year.
Looking at the last year, EGBN shows a decrease in Revenue. The Revenue has decreased by -5.34% in the last year.
EGBN shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.68% yearly.
EPS 1Y (TTM)-48.1%
EPS 3Y-6.9%
EPS 5Y-5.68%
EPS Q2Q%-20.88%
Revenue 1Y (TTM)-5.34%
Revenue growth 3Y-5.29%
Revenue growth 5Y-1.68%
Sales Q2Q%-0.6%

3.2 Future

The Earnings Per Share is expected to decrease by -2.38% on average over the next years.
Based on estimates for the next years, EGBN will show a small growth in Revenue. The Revenue will grow by 4.14% on average per year.
EPS Next Y-41.27%
EPS Next 2Y-11.39%
EPS Next 3Y-2.38%
EPS Next 5YN/A
Revenue Next Year1.67%
Revenue Next 2Y2.84%
Revenue Next 3Y4.14%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
EGBN Yearly Revenue VS EstimatesEGBN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M
EGBN Yearly EPS VS EstimatesEGBN Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.93 indicates a reasonable valuation of EGBN.
Based on the Price/Earnings ratio, EGBN is valued a bit cheaper than 63.32% of the companies in the same industry.
When comparing the Price/Earnings ratio of EGBN to the average of the S&P500 Index (28.29), we can say EGBN is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.44, the valuation of EGBN can be described as reasonable.
Based on the Price/Forward Earnings ratio, EGBN is valued a bit cheaper than the industry average as 79.40% of the companies are valued more expensively.
EGBN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.44.
Industry RankSector Rank
PE 11.93
Fwd PE 9.44
EGBN Price Earnings VS Forward Price EarningsEGBN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, EGBN is valued cheaply inside the industry as 91.96% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 4.33
EV/EBITDA N/A
EGBN Per share dataEGBN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

EGBN's earnings are expected to decrease with -2.38% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-11.39%
EPS Next 3Y-2.38%

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3

5. Dividend

5.1 Amount

EGBN has a Yearly Dividend Yield of 2.69%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.22, EGBN has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.28, EGBN has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.69%

5.2 History

EGBN has paid a dividend for at least 10 years, which is a reliable track record.
As EGBN did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)N/A
Div Incr Years5
Div Non Decr Years5
EGBN Yearly Dividends per shareEGBN Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 0.5 1 1.5

5.3 Sustainability

EGBN has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-130.23%
EPS Next 2Y-11.39%
EPS Next 3Y-2.38%
EGBN Yearly Income VS Free CF VS DividendEGBN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M 200M

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EAGLE BANCORP INC

NASDAQ:EGBN (1/22/2025, 11:32:09 AM)

24.4504

-0.65 (-2.59%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23 2024-10-23/amc
Earnings (Next)01-22 2025-01-22/amc
Inst Owners77.54%
Inst Owner Change0.18%
Ins Owners2.31%
Ins Owner Change0.56%
Market Cap738.40M
Analysts47.5
Price Target29.58 (20.98%)
Short Float %5.55%
Short Ratio6.5
Dividend
Industry RankSector Rank
Dividend Yield 2.69%
Yearly Dividend1.81
Dividend Growth(5Y)N/A
DP-130.23%
Div Incr Years5
Div Non Decr Years5
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)57.49%
Min EPS beat(2)54.56%
Max EPS beat(2)60.43%
EPS beat(4)2
Avg EPS beat(4)2.48%
Min EPS beat(4)-101.66%
Max EPS beat(4)60.43%
EPS beat(8)5
Avg EPS beat(8)6.15%
EPS beat(12)7
Avg EPS beat(12)4.19%
EPS beat(16)11
Avg EPS beat(16)6.77%
Revenue beat(2)0
Avg Revenue beat(2)-7.54%
Min Revenue beat(2)-8.36%
Max Revenue beat(2)-6.73%
Revenue beat(4)1
Avg Revenue beat(4)-2.99%
Min Revenue beat(4)-8.36%
Max Revenue beat(4)4.18%
Revenue beat(8)3
Avg Revenue beat(8)-2.12%
Revenue beat(12)7
Avg Revenue beat(12)0.16%
Revenue beat(16)11
Avg Revenue beat(16)2.7%
PT rev (1m)11.54%
PT rev (3m)31.82%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-15.57%
EPS NY rev (1m)0%
EPS NY rev (3m)28.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3%
Revenue NY rev (1m)-3.21%
Revenue NY rev (3m)-0.75%
Valuation
Industry RankSector Rank
PE 11.93
Fwd PE 9.44
P/S 2.38
P/FCF 4.33
P/OCF 4.34
P/B 0.6
P/tB 0.6
EV/EBITDA N/A
EPS(TTM)2.05
EY8.38%
EPS(NY)2.59
Fwd EY10.6%
FCF(TTM)5.64
FCFY23.07%
OCF(TTM)5.64
OCFY23.06%
SpS10.25
BVpS40.58
TBVpS40.58
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.37%
ROE -3.44%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 55.02%
ROA(3y)1.21%
ROA(5y)1.28%
ROE(3y)10.81%
ROE(5y)11.02%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.63%
PM growth 5Y-6.4%
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.9
Debt/FCF 6.5
Debt/EBITDA N/A
Cap/Depr 1.55%
Cap/Sales 0.02%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score2
WACC14.85%
ROIC/WACCN/A
Cap/Depr(3y)51.83%
Cap/Depr(5y)52.47%
Cap/Sales(3y)0.69%
Cap/Sales(5y)0.73%
Profit Quality(3y)154.42%
Profit Quality(5y)130.53%
High Growth Momentum
Growth
EPS 1Y (TTM)-48.1%
EPS 3Y-6.9%
EPS 5Y-5.68%
EPS Q2Q%-20.88%
EPS Next Y-41.27%
EPS Next 2Y-11.39%
EPS Next 3Y-2.38%
EPS Next 5YN/A
Revenue 1Y (TTM)-5.34%
Revenue growth 3Y-5.29%
Revenue growth 5Y-1.68%
Sales Q2Q%-0.6%
Revenue Next Year1.67%
Revenue Next 2Y2.84%
Revenue Next 3Y4.14%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y12.52%
FCF growth 3Y14.52%
FCF growth 5Y3.58%
OCF growth 1Y11.17%
OCF growth 3Y13.7%
OCF growth 5Y3.4%