EAGLE BANCORP INC(NASDAQ:EGBN) stock Fundamental Analysis

Fundamental Rating

EGBN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. EGBN has a bad profitability rating. Also its financial health evaluation is rather negative. EGBN is valued correctly, 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.

Of the past 5 years EGBN 4 years were profitable.

EGBN had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

With a Return On Assets value of -0.37%, EGBN is not doing good in the industry: 95.24% of the companies in the same industry are doing better.

With a Return On Equity value of -3.44%, EGBN is not doing good in the industry: 94.99% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	-0.37%
ROE	-3.44%
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.

The number of shares outstanding for EGBN has been increased compared to 1 year ago.

EGBN has less shares outstanding than it did 5 years ago.

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

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.

The Debt to FCF ratio of EGBN (6.50) is worse than 67.92% of its industry peers.

A Debt/Equity ratio of 0.90 indicates that EGBN is somewhat dependend on debt financing.

EGBN has a worse Debt to Equity ratio (0.90) than 85.46% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.9
Debt/FCF	6.5
Altman-Z	N/A

ROIC/WACCN/A

WACC14.78%

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 -43.03%.

Measured over the past years, EGBN shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -15.37% on average per year.

Looking at the last year, EGBN shows a decrease in Revenue. The Revenue has decreased by -1.11% in the last year.

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

EPS 1Y (TTM)-43.03%

EPS 3Y-30.16%

EPS 5Y-15.37%

EPS Q2Q%-25.37%

Revenue 1Y (TTM)-1.11%

Revenue growth 3Y-5.43%

Revenue growth 5Y-2.47%

Sales Q2Q%-3.01%

3.2 Future

EGBN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 26.23% yearly.

The Revenue is expected to grow by 6.57% on average over the next years.

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

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.

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4. Valuation

4.1 Price/Earnings Ratio

EGBN is valuated correctly with a Price/Earnings ratio of 12.11.

EGBN's Price/Earnings is on the same level as the industry average.

Compared to an average S&P500 Price/Earnings ratio of 29.62, EGBN is valued rather cheaply.

EGBN is valuated reasonably with a Price/Forward Earnings ratio of 9.37.

79.70% of the companies in the same industry are more expensive than EGBN, based on the Price/Forward Earnings ratio.

The average S&P500 Price/Forward Earnings ratio is at 22.70. EGBN is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	12.11
Fwd PE	9.37

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 93.73% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	4.04
EV/EBITDA	N/A

4.3 Compensation for Growth

EGBN's 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)0.41

PEG (5Y)N/A

EPS Next 2Y26.23%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.77%, EGBN has a reasonable but not impressive dividend return.

The stock price of EGBN dropped by -22.58% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.

Compared to an average industry Dividend Yield of 3.19, EGBN has a dividend in line with its industry peers.

EGBN's Dividend Yield is a higher than the S&P500 average which is at 2.27.

		Industry Rank	Sector Rank
Dividend Yield	2.77%

5.2 History

EGBN has been paying a dividend for at least 10 years, so it has 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

5.3 Sustainability

The earnings of EGBN are negative and hence is the payout ratio. EGBN will probably not be able to sustain this dividend level.

DP-130.23%

EPS Next 2Y26.23%

EPS Next 3YN/A

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EAGLE BANCORP INC

NASDAQ:EGBN (2/21/2025, 8:15:21 PM)

After market: 22.77 0 (0%)

22.77

-1.09 (-4.57%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-22 2025-01-22/amc

Earnings (Next)04-22 2025-04-22/amc

Inst Owners79.23%

Inst Owner Change-90.93%

Ins Owners2.15%

Ins Owner Change2.09%

Market Cap687.65M

Analysts47.5

Price Target29.41 (29.16%)

Short Float %5.36%

Short Ratio6.16

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.77%

Yearly Dividend1.81

Dividend Growth(5Y)N/A

DP-130.23%

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)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)-0.57%

PT rev (3m)10.9%

EPS NQ rev (1m)-4.85%

EPS NQ rev (3m)-4.85%

EPS NY rev (1m)-6.17%

EPS NY rev (3m)-6.17%

Revenue NQ rev (1m)-2.29%

Revenue NQ rev (3m)-2.29%

Revenue NY rev (1m)0.68%

Revenue NY rev (3m)-2.55%

Valuation

		Industry Rank	Sector Rank
PE	12.11
Fwd PE	9.37
P/S	2.22
P/FCF	4.04
P/OCF	4.04
P/B	0.56
P/tB	0.56
EV/EBITDA	N/A

EPS(TTM)1.88

EY8.26%

EPS(NY)2.43

Fwd EY10.68%

FCF(TTM)5.64

FCFY24.77%

OCF(TTM)5.64

OCFY24.77%

SpS10.25

BVpS40.58

TBVpS40.58

PEG (NY)0.41

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)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-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

WACC14.78%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-43.03%

EPS 3Y-30.16%

EPS 5Y-15.37%

EPS Q2Q%-25.37%

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%-3.01%

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-11.92%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-12.35%

OCF growth 3YN/A

OCF growth 5YN/A

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