Eagle Bancorp, Inc. (EGBN) AI Stock Analysis

Eagle Bancorp, Inc. operates as the holding company for EagleBank, delivering commercial and consumer banking services within the United States. Its commercial offerings include working capital loans, equipment financing, real estate lines of credit, government contract financing, and asset-based lending. For retail clients, it provides home equity lines of credit, personal loans, and residential mortgages. The company also offers online and mobile banking platforms, cash management tools like business sweep accounts and remote deposit capture, automated clearing house origination, and safety deposit boxes. Established in 1997 and based in Bethesda, Maryland, Eagle Bancorp operates seventeen branches across Suburban Maryland, the District of Columbia, and Northern Virginia.

Eagle Bancorp's revenue expanded at a 5-year CAGR of 7.8% from FY2020 to FY2025, but contracted by 10.4% in FY2025 to $634.3M. Profitability deteriorated over this span, with operating margins shifting from 58.7% in FY2021 to -26.9% in FY2025, resulting in an FY2025 net loss of -$128.1M and an EPS of -$4.21. For the trailing twelve months ending June 30, 2026, revenue stood at $138.8M with an operating margin of 24.2%. However, the latest quarter ended June 30, 2026, showed quarterly revenue growth of 35.3% year-over-year and quarterly earnings growth of 767.6% year-over-year.

As of June 30, 2026, Eagle Bancorp held $13.4M in cash and short-term investments against $211.7M in total debt, leading to net debt of $198.3M. The bank reported total assets of $9.66B, shareholders' equity of $1.15B, a debt-to-equity ratio of 0.18, and a current ratio of 0.13. For FY2025, operating cash flow was $28.5M and free cash flow was $20.8M. Cash deployment during FY2025 included $7.7M in capital expenditures and $15.3M paid in dividends, while the 5-year share count change was -4.6%.

At a share price of $28.35, Eagle Bancorp has a market capitalization of $864.2M and an enterprise value of $462.9M. Its forward P/E of 12.8x is above the 10.8x median of its US-listed Financial Services peers, and its price-to-sales ratio of 6.2x exceeds the peer median of 3.2x. The stock trades at a price-to-book ratio of 0.7x. Over the past year, Eagle Bancorp gained 53.3%, outperforming the S&P 500 ETF's 16.8% return, though its 5-year return of -40.4% trails the benchmark's 83.0% gain.

Eagle Bancorp pays a quarterly dividend with an annualized forward payout of $0.04 per share, translating to a dividend yield of 0.14% and a payout ratio of 53.6%. The company has paid dividends for 8 consecutive years, though its 5-year annualized dividend growth stands at -10.5%. The last ex-dividend date was August 6, 2026.

Wall Street coverage consists of 3 Strong Buy and 3 Hold ratings, with no Buy, Sell, or Strong Sell recommendations. The mean price target of $32.17 implies 13.5% upside relative to the last close of $28.35. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $1.43, representing 133.9% growth, on revenue of $255.6M. Eagle Bancorp beat EPS estimates in 2 of the trailing 4 quarters, with its next earnings announcement scheduled for October 21, 2026.

This page is an AI-written research summary of Eagle Bancorp, Inc. (EGBN). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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