EGBN Stock Analysis: Eagle Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 854m USD | 12M Return: 35.7% | US2689481065 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 7.54M
Qual. Beats: 0
Rev. Trend: -36.9%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Eagle Bancorp, Inc. (NASDAQ: EGBN) is the bank holding company for EagleBank, a U.S.-based commercial and consumer bank headquartered in Bethesda, Maryland, and incorporated in 1997. The company provides a broad range of deposit products, including business and personal checking accounts, cash management, sweep accounts, remote deposit capture, merchant card services, and ATM services. Its lending portfolio spans commercial loans (working capital, equipment, real estate lines of credit, government contract financing, asset-based and accounts receivable financing), construction and commercial real estate loans, business equipment financing, and consumer products such as home equity lines of credit, personal lines of credit, installment loans, and personal credit cards.
In addition to traditional banking, Eagle Bancorp offers online and mobile banking, insurance products through a referral program, and treasury management services. Its customer base targets sole proprietors, small, medium, and middle-market businesses, partnerships, corporations, non-profits, and investors. As a small-cap regional bank within the GICS Regional Banks sub-industry, EGBNs business model is oriented toward relationship-driven commercial lending and deposit gathering in the Washington, D.C. metropolitan area, a segment of the U.S. banking sector that is heavily exposed to commercial real estate cycles and SMB credit demand.
- Net interest margin compresses on Fed rate cuts
- Commercial real estate loan losses pressure earnings
- Deposit costs rise amid regional bank competition
| Net Income: -38.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.20 > 1.0 |
| NWC/Revenue: -14.52% < 20% (prev -1.15k%; Δ 1.14k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 61.2m > Net Income -38.3m |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 0.13 > 1.5 & < 3 |
| Outstanding Shares: last quarter (30.6m) vs 12m ago 0.65% < -2% |
| Gross Margin: 25.90% > 18% (prev 17.35%; Δ 8.55% > 0.5%) |
| Asset Turnover: 5.89% > 50% (prev 6.35%; Δ -0.46% > 0%) |
| Interest Coverage Ratio: -0.14 > 6 (EBIT TTM -40.1m / Interest Expense TTM 295.6m) |
| A: -0.01 (Total Current Assets 13.4m - Total Current Liabilities 100.0m) / Total Assets 9.66b |
| B: 0.09 (Retained Earnings 858.6m / Total Assets 9.66b) |
| C: -0.00 (EBIT TTM -40.1m / Avg Total Assets 10.1b) |
| D: 0.14 (Book Value of Equity 1.15b / Total Liabilities 8.51b) |
| Altman-Z'' = 0.35 = B |
As of September 27, 2026, the stock is trading at USD 28.54 with a total of 378,813 shares traded. Over the past week, the price has changed by +0.78%, over one month by +3.11%, over three months by +0.46% and over the past year by +35.69%.
Current recommended Stop Loss: 27.80 (which is 2.6% or 1.2 ATR below the current price).
Eagle Bancorp has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold EGBN.
- StrongBuy: 0
- Buy: 0
- Hold: 4
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 31 | 8.6% |
P/E Forward = 12.837
P/S = 6.156
P/B = 0.7411
P/EG = 1.7073
Revenue TTM = 596.3m USD
EBIT TTM = -40.1m USD
EBITDA TTM = -37.6m USD
Long Term Debt = 76.6m USD (from longTermDebt, last quarter)
Short Term Debt = 100.0m USD (from shortTermDebt, last quarter)
Debt = 246.8m USD (from shortLongTermDebtTotal, last quarter) + Leases 35.1m
Net Debt = 233.4m USD (calculated: Debt 246.8m - CCE 13.4m)
Enterprise Value = 1.09b USD (854.2m + Debt 246.8m - CCE 13.4m)
Interest Coverage Ratio = -0.14 (Ebit TTM -40.1m / Interest Expense TTM 295.6m)
EV/FCF = 20.57x (Enterprise Value 1.09b / FCF TTM 52.9m)
FCF Yield = 4.86% (FCF TTM 52.9m / Enterprise Value 1.09b)
FCF Margin = 8.87% (FCF TTM 52.9m / Revenue TTM 596.3m)
Net Margin = -6.43% (Net Income TTM -38.3m / Revenue TTM 596.3m)
Gross Margin = 25.90% ((Revenue TTM 596.3m - Cost of Revenue TTM 441.8m) / Revenue TTM)
Gross Margin QoQ = 37.61% (prev 44.81%)
Tobins Q-Ratio = 0.11 (Enterprise Value 1.09b / Total Assets 9.66b)
Interest Expense / Debt = 119.8% (Interest Expense 295.6m / Debt 246.8m)
Taxrate = 9.27% (707k / 7.62m)
NOPAT = -36.4m (EBIT -40.1m * (1 - 9.27%)) [loss with tax shield]
Current Ratio = 0.13 (Total Current Assets 13.4m / Total Current Liabilities 100.0m)
Debt / Equity = 0.21 (Debt 246.8m / totalStockholderEquity, last quarter 1.15b)
Debt / EBITDA = -6.21 (negative EBITDA) (Net Debt 233.4m / EBITDA -37.6m)
Debt / FCF = 4.41 (Net Debt 233.4m / FCF TTM 52.9m)
Total Stockholder Equity = 1.14b (last 4 quarters mean from totalStockholderEquity)
RoA = -0.38% (Net Income -38.3m / Total Assets 9.66b)
RoE = -3.36% (Net Income TTM -38.3m / Total Stockholder Equity 1.14b)
RoCE = -3.29% (EBIT -40.1m / Capital Employed (Equity 1.14b + L.T.Debt 76.6m))
RoIC = -0.38% (negative operating profit) (NOPAT -36.4m / Invested Capital 9.65b)
WACC = 6.19% (E(854.2m)/V(1.10b) * Re(7.98%) + (debt cost/tax rate unavailable))
Discount Rate = 7.98% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 84.43 | Cagr: 0.74%
[DCF] Terminal Value 73.10% ; FCFF base≈63.4m ; Y1≈55.6m ; Y5≈44.9m
[DCF] Fair Price = 15.98 (EV 720.5m - Net Debt 233.4m = Equity 487.1m / Shares 30.5m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: -0.09 | # QB: 0
Revenue Correlation: -36.85 | Revenue CAGR: -2.37% | SUE: 0.52 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.35 | Chg30d=-12.06% | Revisions=-29% | Analysts=5
EPS current Year (2026-12-31): EPS=1.46 | Chg30d=-7.26% | Revisions=-40% | GrowthEPS=+134.6% | GrowthRev=-4.8%
EPS next Year (2027-12-31): EPS=2.46 | Chg30d=+0.51% | Revisions=+0% | GrowthEPS=+69.0% | GrowthRev=+1.3%
[Analyst] Revisions Ratio: -31% (up=3, down=7)