Eagle Bancorp, Inc. logo

Eagle Bancorp, Inc.

EGBN

NASDAQFinancial ServicesBanks - Regional

Previous close

$28.24

+$0.41 · +1.47%

Aug 21, 4:00 PM ET

Pre-market

$28.2967

+$0.0567 · +0.20%

Aug 24, 7:04 AM ET

EGBN company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

64

Undervalued

Momentum

48

Neutral

Sentiment

57

Mixed

Risk resilience

68

Moderate Risk

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Company profile

Company website

Eagle Bancorp, Inc. functions as the parent entity for EagleBank, providing a comprehensive suite of commercial and consumer banking services. Though operating broadly within the United States, its physical presence, as of December 31, 2021, was concentrated in the greater Washington D.C. metropolitan area, with seventeen branches distributed across six locations in Suburban Maryland, five in the District of Columbia, and six in Northern Virginia. The bank offers a diverse portfolio of lending solutions, including commercial loans for operational capital, equipment purchases, real estate lines of credit, and government contract funding, as well as asset-based and accounts receivable financing, construction and commercial real estate loans, and business equipment financing. For individual clients, it provides home equity and personal lines of credit, term loans, installment options like auto and personal loans, personal credit cards, and residential mortgage products. Beyond lending, EagleBank delivers a range of essential services, such as online and mobile banking, cash management solutions, business sweep accounts, lock boxes, remote deposit capture, account reconciliation, merchant card services, safety deposit boxes, automated clearing house (ACH) origination, after-hours depositories, and ATM access. The company further extends its offerings by facilitating insurance products and services via a referral program. Established in 1997 and headquartered in Bethesda, Maryland, Eagle Bancorp, Inc. serves a broad clientele, encompassing individuals, sole proprietors, small and medium-sized businesses, partnerships, corporations, non-profit organizations, associations, and investors.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Stephen Curley
Listed since
Jul 14, 1999
Employees
475

Market position

Day range

Current $28.24

52-week range

Current $28.24

Open
$28.11
Previous close
$27.83
Volume
195.66K
0.69× average
Average volume
283.46K
Average daily volume
Market cap
861.2M USD
Beta
0.96
Market reference 1
50-day average
$27.844
+1.42% above average
200-day average
$24.899
+13.42% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
63.82M USD
P/E (TTM)
-22.41×
P/B (TTM)
0.75×
P/S (TTM)
1.44×
EV / EBITDA
-0.38×
Earnings yield
-19.77%
Free cash flow yield
3.20%
Dividend yield
0.14%

Profitability & efficiency

Gross margin
25.90%
Operating margin
-6.72%
Net margin
-6.43%
Return on equity
-11.22%
Return on assets
-1.22%
Return on invested capital
-1.12%

Financial health

Debt / equity
0.18×
Current ratio
293.43×
Altman Z-score
0.22
Piotroski F-score
3 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends108%59%10%-39%Gross margin, FY2021: 95.54%Gross margin, FY2022: 79.14%Gross margin, FY2023: 43.41%Gross margin, FY2024: 34.54%Gross margin, FY2025: 3.18%Operating margin, FY2021: 58.70%Operating margin, FY2022: 42.31%Operating margin, FY2023: 19.71%Operating margin, FY2024: -4.27%Operating margin, FY2025: -26.88%Net margin, FY2021: 43.64%Net margin, FY2022: 31.44%Net margin, FY2023: 15.54%Net margin, FY2024: -6.65%Net margin, FY2025: -20.19%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 95.54%. Gross margin FY2022 79.14%. Gross margin FY2023 43.41%. Gross margin FY2024 34.54%. Gross margin FY2025 3.18%. Operating margin FY2021 58.70%. Operating margin FY2022 42.31%. Operating margin FY2023 19.71%. Operating margin FY2024 -4.27%. Operating margin FY2025 -26.88%. Net margin FY2021 43.64%. Net margin FY2022 31.44%. Net margin FY2023 15.54%. Net margin FY2024 -6.65%. Net margin FY2025 -20.19%.

Income trends

Revenue

634.26M USD-10.35%

Operating income

−170.51M USD-463.87%

Net income

−128.05M USD-172.25%
Income trends across reported periods795.3M USD444.1M USD92.89M USD−258.31M USDRevenue, FY2021: 404.88M USDRevenue, FY2022: 448.27M USDRevenue, FY2023: 646.86M USDRevenue, FY2024: 707.5M USDRevenue, FY2025: 634.26M USDOperating income, FY2021: 237.67M USDOperating income, FY2022: 189.68M USDOperating income, FY2023: 127.52M USDOperating income, FY2024: −30.24M USDOperating income, FY2025: −170.51M USDNet income, FY2021: 176.69M USDNet income, FY2022: 140.93M USDNet income, FY2023: 100.53M USDNet income, FY2024: −47.04M USDNet income, FY2025: −128.05M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 404.88M USD. Revenue FY2022 448.27M USD. Revenue FY2023 646.86M USD. Revenue FY2024 707.5M USD. Revenue FY2025 634.26M USD. Operating income FY2021 237.67M USD. Operating income FY2022 189.68M USD. Operating income FY2023 127.52M USD. Operating income FY2024 −30.24M USD. Operating income FY2025 −170.51M USD. Net income FY2021 176.69M USD. Net income FY2022 140.93M USD. Net income FY2023 100.53M USD. Net income FY2024 −47.04M USD. Net income FY2025 −128.05M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue634.26M USD707.5M USD646.86M USD448.27M USD404.88M USD
Cost of goods sold614.12M USD463.11M USD366.05M USD93.49M USD18.04M USD
Gross profit20.14M USD244.39M USD280.81M USD354.78M USD386.84M USD
Selling, general, and administrative60.3M USD122.23M USD101.31M USD93.74M USD98.46M USD
Operating expenses190.66M USD274.63M USD153.29M USD165.1M USD149.17M USD
Interest income604.95M USD687.56M USD625.33M USD424.61M USD364.5M USD
Interest expense335.06M USD398.88M USD334.78M USD91.75M USD39.98M USD
Depreciation and amortization2.31M USD3.2M USD3.48M USD3.32M USD5.87M USD
Operating income−170.51M USD−30.24M USD127.52M USD189.68M USD237.67M USD
Net income−128.05M USD−47.04M USD100.53M USD140.93M USD176.69M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
36%
4 beats, 7 misses, 0 met estimates
Average EPS surprise
-90.34%
11 comparable reports
Latest EPS result
0.23
Estimate 0.34 · Miss by 33.14%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.73-0.35-1.44-2.52Q1 '25MissQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 22, 2025: actual 0.5, estimate 0.51, surprise -1.96%, Miss. Q2 2025, reported Apr 23, 2025: actual 0.06, estimate 0.46, surprise -86.96%, Miss. Q3 2025, reported Jul 23, 2025: actual -2.3, estimate 0.4, surprise -675.00%, Miss. Q4 2025, reported Oct 22, 2025: actual -2.22, estimate -0.3, surprise -640.00%, Miss. Q1 2026, reported Jan 21, 2026: actual 0.25, estimate -0.12, surprise +308.33%, Beat. Q2 2026, reported Apr 22, 2026: actual 0.48, estimate 0.28, surprise +71.43%, Beat. Q3 2026, reported Jul 22, 2026: actual 0.23, estimate 0.344, surprise -33.14%, Miss. Q4 2026, reported Oct 28, 2026: actual —, estimate 0.35, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates83.71M78.03M72.34M66.65MQ1 '25BeatQ2 '25BeatQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 22, 2025: actual 74.86M USD, estimate 74.67M USD, surprise +0.25%, Beat. Q2 2025, reported Apr 23, 2025: actual 73.86M USD, estimate 71.93M USD, surprise +2.67%, Beat. Q3 2025, reported Jul 23, 2025: actual 74.19M USD, estimate 78.69M USD, surprise -5.72%, Miss. Q4 2025, reported Oct 22, 2025: actual 70.65M USD, estimate 69.87M USD, surprise +1.13%, Beat. Q1 2026, reported Jan 21, 2026: actual 80.5M USD, estimate 73.56M USD, surprise +9.43%, Beat. Q2 2026, reported Apr 22, 2026: actual 76.4M USD, estimate 75.47M USD, surprise +1.24%, Beat. Q3 2026, reported Jul 22, 2026: actual 73.11M USD, estimate 74.41M USD, surprise -1.74%, Miss. Q4 2026, reported Oct 28, 2026: actual —, estimate 72.61M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$30.50

8.00% upside
Past 12 months12-month forecastHigh $32.00Average $30.50Low $29.00

Rating distribution

14 ratings
Strong buy00%
Buy643%
Hold857%
Sell00%
Strong sell00%

Recent analyst actions

3 institutions
Janney Montgomery ScottupgradeNeutralBuy

EGBN news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.505

2025 complete year-58.6% since 2021

2026 partial: $0.03

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 6, 2026

$0.01

Quarterly

Record Aug 6, 2026 · Payment Aug 17, 2026

Dividend

Ex-dividend May 4, 2026

$0.01

Quarterly

Record May 4, 2026 · Payment May 15, 2026

Dividend

Ex-dividend Feb 2, 2026

$0.01

Quarterly

Record Feb 2, 2026 · Payment Feb 13, 2026

Dividend

Ex-dividend Nov 3, 2025

$0.01

Quarterly

Record Nov 3, 2025 · Payment Nov 14, 2025

Dividend

Ex-dividend Aug 8, 2025

$0.165

Quarterly

Record Aug 8, 2025 · Payment Aug 29, 2025

Dividend

Ex-dividend May 5, 2025

$0.165

Quarterly

Record May 5, 2025 · Payment May 16, 2025

EGBN peers

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