EAGLE BANCORP INC(NASDAQ:EGBN) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to EGBN. EGBN was compared to 398 industry peers in the Banks industry. EGBN may be in some trouble as it scores bad on both profitability and health. EGBN is valued quite cheap, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year EGBN was profitable.

EGBN had a positive operating cash flow in the past year.

EGBN had positive earnings in 4 of the past 5 years.

In the past 5 years EGBN always reported a positive cash flow from operatings.

1.2 Ratios

With a Return On Assets value of -0.42%, EGBN is not doing good in the industry: 95.23% of the companies in the same industry are doing better.

With a Return On Equity value of -3.84%, EGBN is not doing good in the industry: 94.72% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	-0.42%
ROE	-3.84%
ROIC	N/A

ROA(3y)0.57%

ROA(5y)0.88%

ROE(3y)5.18%

ROE(5y)7.85%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

EGBN does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

EGBN does not have a ROIC to compare to the WACC, probably because it is not profitable.

EGBN has more shares outstanding than it did 1 year ago.

The number of shares outstanding for EGBN has been reduced compared to 5 years ago.

EGBN has a better debt/assets ratio than last year.

2.2 Solvency

EGBN has a debt to FCF ratio of 4.85. This is a neutral value as EGBN would need 4.85 years to pay back of all of its debts.

EGBN has a Debt to FCF ratio of 4.85. This is in the lower half of the industry: EGBN underperforms 66.83% of its industry peers.

A Debt/Equity ratio of 0.49 indicates that EGBN is not too dependend on debt financing.

The Debt to Equity ratio of EGBN (0.49) is worse than 76.38% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.49
Debt/FCF	4.85
Altman-Z	N/A

ROIC/WACCN/A

WACC17.33%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

EGBN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -22.31%.

The earnings per share for EGBN have been decreasing by -15.37% on average. This is quite bad

EGBN shows a decrease in Revenue. In the last year, the revenue decreased by -1.11%.

EGBN shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.47% yearly.

EPS 1Y (TTM)-22.31%

EPS 3Y-30.16%

EPS 5Y-15.37%

EPS Q2Q%700%

Revenue 1Y (TTM)-1.11%

Revenue growth 3Y-5.43%

Revenue growth 5Y-2.47%

Sales Q2Q%-1.12%

3.2 Future

Based on estimates for the next years, EGBN will show a very strong growth in Earnings Per Share. The EPS will grow by 26.23% on average per year.

EGBN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.57% yearly.

EPS Next Y29.31%

EPS Next 2Y26.23%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year4.73%

Revenue Next 2Y6.57%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.48, the valuation of EGBN can be described as reasonable.

Compared to the rest of the industry, the Price/Earnings ratio of EGBN indicates a somewhat cheap valuation: EGBN is cheaper than 60.80% of the companies listed in the same industry.

EGBN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.64.

The Price/Forward Earnings ratio is 6.17, which indicates a rather cheap valuation of EGBN.

89.20% of the companies in the same industry are more expensive than EGBN, based on the Price/Forward Earnings ratio.

EGBN is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.44, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	9.48
Fwd PE	6.17

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of EGBN indicates a rather cheap valuation: EGBN is cheaper than 91.96% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	4.55
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

EGBN's earnings are expected to grow with 26.23% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.32

PEG (5Y)N/A

EPS Next 2Y26.23%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

EGBN has a Yearly Dividend Yield of 3.17%. Purely for dividend investing, there may be better candidates out there.

EGBN's Dividend Yield is comparable with the industry average which is at 3.68.

Compared to an average S&P500 Dividend Yield of 2.52, EGBN pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.17%

5.2 History

The dividend of EGBN is nicely growing with an annual growth rate of 17.91%!

EGBN has been paying a dividend for at least 10 years, so it has a reliable track record.

EGBN has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.

Dividend Growth(5Y)17.91%

Div Incr Years5

Div Non Decr Years5

5.3 Sustainability

EGBN has negative earnings and hence a negative payout ratio. The dividend may be in danger.

The dividend of EGBN is growing, but earnings are growing more, so the dividend growth is sustainable.

DP-96.99%

EPS Next 2Y26.23%

EPS Next 3YN/A

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EAGLE BANCORP INC

NASDAQ:EGBN (4/24/2025, 3:37:49 PM)

18.495

-2.69 (-12.72%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-23 2025-04-23/amc

Earnings (Next)07-22 2025-07-22/amc

Inst Owners79.23%

Inst Owner Change-0.09%

Ins Owners2.15%

Ins Owner Change2.87%

Market Cap561.69M

Analysts47.5

Price Target26.86 (45.23%)

Short Float %6.38%

Short Ratio5.84

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.17%

Yearly Dividend1.52

Dividend Growth(5Y)17.91%

DP-96.99%

Div Incr Years5

Div Non Decr Years5

Ex-Date02-07 2025-02-07 (0.165)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)30.23%

Min EPS beat(2)0.04%

Max EPS beat(2)60.43%

EPS beat(4)3

Avg EPS beat(4)3.34%

Min EPS beat(4)-101.66%

Max EPS beat(4)60.43%

EPS beat(8)5

Avg EPS beat(8)4.71%

EPS beat(12)7

Avg EPS beat(12)3.48%

EPS beat(16)11

Avg EPS beat(16)5.95%

Revenue beat(2)0

Avg Revenue beat(2)-11.11%

Min Revenue beat(2)-13.86%

Max Revenue beat(2)-8.36%

Revenue beat(4)0

Avg Revenue beat(4)-7.5%

Min Revenue beat(4)-13.86%

Max Revenue beat(4)-1.05%

Revenue beat(8)2

Avg Revenue beat(8)-4.58%

Revenue beat(12)6

Avg Revenue beat(12)-1.59%

Revenue beat(16)10

Avg Revenue beat(16)1.09%

PT rev (1m)-2.89%

PT rev (3m)-3.45%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-11.32%

EPS NY rev (1m)0%

EPS NY rev (3m)-6.17%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-4.28%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.68%

Valuation

		Industry Rank	Sector Rank
PE	9.48
Fwd PE	6.17
P/S	1.82
P/FCF	4.55
P/OCF	4.54
P/B	0.46
P/tB	0.46
EV/EBITDA	N/A

EPS(TTM)1.95

EY10.54%

EPS(NY)3

Fwd EY16.2%

FCF(TTM)4.06

FCFY21.98%

OCF(TTM)4.08

OCFY22.04%

SpS10.16

BVpS40.37

TBVpS40.37

PEG (NY)0.32

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-0.42%
ROE	-3.84%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM	40%

ROA(3y)0.57%

ROA(5y)0.88%

ROE(3y)5.18%

ROE(5y)7.85%

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 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.49
Debt/FCF	4.85
Debt/EBITDA	N/A
Cap/Depr	10.19%
Cap/Sales	0.11%
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-Score4

WACC17.33%

ROIC/WACCN/A

Cap/Depr(3y)25.28%

Cap/Depr(5y)45.47%

Cap/Sales(3y)0.24%

Cap/Sales(5y)0.59%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-22.31%

EPS 3Y-30.16%

EPS 5Y-15.37%

EPS Q2Q%700%

EPS Next Y29.31%

EPS Next 2Y26.23%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-1.11%

Revenue growth 3Y-5.43%

Revenue growth 5Y-2.47%

Sales Q2Q%-1.12%

Revenue Next Year4.73%

Revenue Next 2Y6.57%

Revenue Next 3YN/A

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 1Y-36.88%

FCF growth 3Y-19.09%

FCF growth 5Y-1.01%

OCF growth 1Y-36.73%

OCF growth 3Y-19.63%

OCF growth 5Y-1.38%

EAGLE BANCORP INC (EGBN) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens