EAGLE BANCORP INC (EGBN)
US2689481065 - Common Stock
We assign a fundamental rating of 2 out of 10 to EGBN. EGBN was compared to 406 industry peers in the Banks industry. EGBN may be in some trouble as it scores bad on both profitability and health. EGBN is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year EGBN was profitable.
In the past year EGBN had a positive cash flow from operations.
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.
1.2 Ratios
The Return On Assets of EGBN (-0.37%) is worse than 95.05% of its industry peers.
The Return On Equity of EGBN (-3.44%) is worse than 95.05% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
In the last couple of years the Profit Margin of EGBN has declined.
The Profit Margin and Operating Margin and Gross Margin are not available for EGBN so they could not be analyzed.
| Industry Rank | Sector 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
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 less shares outstanding than it did 1 year ago.
EGBN has less shares outstanding than it did 5 years ago.
The debt/assets ratio for EGBN is higher compared to a year ago.
2.2 Solvency
EGBN has a debt to FCF ratio of 6.50. This is a slightly negative value and a sign of low solvency as EGBN would need 6.50 years to pay back of all of its debts.
EGBN's Debt to FCF ratio of 6.50 is on the low side compared to the rest of the industry. EGBN is outperformed by 66.58% of its industry peers.
EGBN has a Debt/Equity ratio of 0.90. This is a neutral value indicating EGBN is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.90, EGBN is doing worse than 85.15% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.9 | ||
| Debt/FCF | 6.5 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.38%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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%.
EGBN shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.68% yearly.
The Revenue has decreased by -5.34% in the past year.
Measured over the past years, EGBN shows a decrease in Revenue. The Revenue has been decreasing by -1.68% on average per year.
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
Based on estimates for the next years, EGBN will show a decrease in Earnings Per Share. The EPS will decrease by -2.38% on average per year.
Based on estimates for the next years, EGBN will show a small growth in Revenue. The Revenue will grow by 5.36% 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 Year5.04%
Revenue Next 2Y4.53%
Revenue Next 3Y5.36%
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.
4. Valuation
4.1 Price/Earnings Ratio
EGBN is valuated correctly with a Price/Earnings ratio of 13.03.
EGBN's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of EGBN to the average of the S&P500 Index (27.73), we can say EGBN is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.31, the valuation of EGBN can be described as very reasonable.
Based on the Price/Forward Earnings ratio, EGBN is valued a bit cheaper than the industry average as 69.55% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.83, EGBN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.03 | ||
| Fwd PE | 10.31 |
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 91.34% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.74 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as EGBN's earnings are expected to decrease with -2.38% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-11.39%
EPS Next 3Y-2.38%
5. Dividend
5.1 Amount
EGBN has a Yearly Dividend Yield of 2.49%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.15, EGBN is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.34, EGBN has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.49% |
5.2 History
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)N/A
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.
DP-130.23%
EPS Next 2Y-11.39%
EPS Next 3Y-2.38%
EAGLE BANCORP INC
NASDAQ:EGBN (12/20/2024, 8:06:43 PM)
After market: 26.71 0 (0%)26.71
+0.16 (+0.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners77.54%
Inst Owner Change0.26%
Ins Owners2.31%
Ins Owner Change0.66%
Market Cap806.64M
Analysts47.5
Price Target26.52 (-0.71%)
Short Float %5.98%
Short Ratio6.27
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.49% |
Dividend Growth(5Y)N/A
DP-130.23%
Div Incr Years5
Div Non Decr Years5
Ex-Date
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)6.85%
PT rev (3m)18.18%
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)0%
Revenue NY rev (3m)2.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.03 | ||
| Fwd PE | 10.31 | ||
| P/S | 2.6 | ||
| P/FCF | 4.74 | ||
| P/OCF | 4.74 | ||
| P/B | 0.66 | ||
| P/tB | 0.66 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.05
EY7.68%
EPS(NY)2.59
Fwd EY9.7%
FCF(TTM)5.64
FCFY21.12%
OCF(TTM)5.64
OCFY21.11%
SpS10.25
BVpS40.58
TBVpS40.58
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC14.38%
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 Year5.04%
Revenue Next 2Y4.53%
Revenue Next 3Y5.36%
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%