Eagle Bancorp (EGBN)
Market Price (10/22/2026): $28.51 | Market Cap: $869.4 MilSector: Financials | Industry: Regional Banks
Eagle Bancorp (EGBN)
Market Price (10/22/2026): $28.51Market Cap: $869.4 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -124% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 20%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 18% Attractive yieldFCF Yield is 6.1% Low stock price volatilityVol 12M is 36% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. | Trading close to highsDist 52W High is -2.0%, Dist 3Y High is -2.3% Weak multi-year price returns2Y Excs Rtn is -12%, 3Y Excs Rtn is -13% Meaningful short interestShort Interest % of Basic SharesShort Interest % of Basic Shares = (Short Interest Quantity) / (Basic Shares Outstanding). A high fraction of short interest can indicate potential risk of a short squeeze. is 10% | Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -3.9%, Rev Chg QQuarterly Revenue Change % is -1.5% Yield minus risk free rate is negativeERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -10% Key risksEGBN key risks include [1] a severely distressed and highly concentrated commercial real estate loan portfolio, Show more. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -124% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 20%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 18% |
| Attractive yieldFCF Yield is 6.1% |
| Low stock price volatilityVol 12M is 36% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Trading close to highsDist 52W High is -2.0%, Dist 3Y High is -2.3% |
| Weak multi-year price returns2Y Excs Rtn is -12%, 3Y Excs Rtn is -13% |
| Meaningful short interestShort Interest % of Basic SharesShort Interest % of Basic Shares = (Short Interest Quantity) / (Basic Shares Outstanding). A high fraction of short interest can indicate potential risk of a short squeeze. is 10% |
| Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -3.9%, Rev Chg QQuarterly Revenue Change % is -1.5% |
| Yield minus risk free rate is negativeERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -10% |
| Key risksEGBN key risks include [1] a severely distressed and highly concentrated commercial real estate loan portfolio, Show more. |
Qualitative Assessment
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Eagle Bancorp (EGBN) stock has remained largely at the same level since 6/30/2026 because of the following key factors:
1. Strong Earnings Beat Primarily Driven by Reduced Credit Loss Provisions. Eagle Bancorp reported diluted earnings per share (EPS) of $0.79 for fiscal Q3 2026, which comfortably exceeded the consensus estimate of $0.34, marking a 132% beat. This significant earnings surprise was largely attributable to an $18.6 million reduction in the provision for credit losses, which fell to $2.8 million in fiscal Q3 2026 from $21.4 million in fiscal Q2 2026.
2. Softening Core Profitability and Slight Revenue Miss. Despite the strong EPS, the company experienced a decline in core profitability, with Pre-Provision Net Revenue (PPNR) decreasing by 18.2% to $23.8 million in fiscal Q3 2026 compared to $29.1 million in fiscal Q2 2026. This softening was due to higher noninterest expenses, lower noninterest income, and slightly lower net interest income. Furthermore, the reported revenue of $70.9 million for fiscal Q3 2026 was slightly below analysts' expectations of $71.78 million.
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Eagle Bancorp (EGBN) stock has remained largely at the same level since 6/30/2026 because of the following key factors:
1. Strong Earnings Beat Primarily Driven by Reduced Credit Loss Provisions. Eagle Bancorp reported diluted earnings per share (EPS) of $0.79 for fiscal Q3 2026, which comfortably exceeded the consensus estimate of $0.34, marking a 132% beat. This significant earnings surprise was largely attributable to an $18.6 million reduction in the provision for credit losses, which fell to $2.8 million in fiscal Q3 2026 from $21.4 million in fiscal Q2 2026.
2. Softening Core Profitability and Slight Revenue Miss. Despite the strong EPS, the company experienced a decline in core profitability, with Pre-Provision Net Revenue (PPNR) decreasing by 18.2% to $23.8 million in fiscal Q3 2026 compared to $29.1 million in fiscal Q2 2026. This softening was due to higher noninterest expenses, lower noninterest income, and slightly lower net interest income. Furthermore, the reported revenue of $70.9 million for fiscal Q3 2026 was slightly below analysts' expectations of $71.78 million.
3. Mixed Signals on Asset Quality. Eagle Bancorp presented mixed results regarding asset quality during fiscal Q3 2026. While the company saw a decline in criticized and classified loans and a significant moderation in net charge-offs, nonperforming assets simultaneously increased, driven by "one significant relationship." This indicates that while progress is being made in cleaning up the balance sheet, asset quality work is not yet fully complete.
4. Neutral Broad Regional Banking Sector Performance. The overall regional banking sector experienced a relatively neutral trend during fiscal Q3 2026. While higher interest rates generally provided a tailwind by widening net interest margins for regional banks, this positive effect was partially offset by weakness observed in capital markets and trading activities across the sector. This balanced industry performance likely contributed to EGBN's stock largely maintaining its level within the specified period.
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Stock Movement Drivers
Fundamental Drivers
The 0.5% change in EGBN stock from 6/30/2026 to 10/21/2026 was primarily driven by a 1.1% change in the company's P/S Multiple.| (LTM values as of) | 6302026 | 10212026 | Change |
|---|---|---|---|
| Stock Price ($) | 28.38 | 28.53 | 0.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 302 | 301 | -0.4% |
| P/S Multiple | 2.9 | 2.9 | 1.1% |
| Shares Outstanding (Mil) | 30 | 30 | -0.2% |
| Cumulative Contribution | 0.5% |
Market Drivers
6/30/2026 to 10/21/2026| Return | Correlation | |
|---|---|---|
| EGBN | 0.5% | |
| Market (SPY) | 3.5% | 12.0% |
| Sector (XLF) | 4.5% | 34.1% |
Fundamental Drivers
The 14.8% change in EGBN stock from 3/31/2026 to 10/21/2026 was primarily driven by a 14.7% change in the company's P/S Multiple.| (LTM values as of) | 3312026 | 10212026 | Change |
|---|---|---|---|
| Stock Price ($) | 24.85 | 28.53 | 14.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 299 | 301 | 0.5% |
| P/S Multiple | 2.5 | 2.9 | 14.7% |
| Shares Outstanding (Mil) | 30 | 30 | -0.4% |
| Cumulative Contribution | 14.8% |
Market Drivers
3/31/2026 to 10/21/2026| Return | Correlation | |
|---|---|---|
| EGBN | 14.8% | |
| Market (SPY) | 19.2% | 18.3% |
| Sector (XLF) | 13.9% | 44.5% |
Fundamental Drivers
The 41.3% change in EGBN stock from 9/30/2025 to 10/21/2026 was primarily driven by a 42.4% change in the company's P/S Multiple.| (LTM values as of) | 9302025 | 10212026 | Change |
|---|---|---|---|
| Stock Price ($) | 20.19 | 28.53 | 41.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 302 | 301 | -0.3% |
| P/S Multiple | 2.0 | 2.9 | 42.4% |
| Shares Outstanding (Mil) | 30 | 30 | -0.4% |
| Cumulative Contribution | 41.3% |
Market Drivers
9/30/2025 to 10/21/2026| Return | Correlation | |
|---|---|---|
| EGBN | 41.3% | |
| Market (SPY) | 17.0% | 23.2% |
| Sector (XLF) | 5.3% | 46.4% |
Fundamental Drivers
The 49.1% change in EGBN stock from 9/30/2023 to 10/21/2026 was primarily driven by a 68.5% change in the company's P/S Multiple.| (LTM values as of) | 9302023 | 10212026 | Change |
|---|---|---|---|
| Stock Price ($) | 19.13 | 28.53 | 49.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 339 | 301 | -11.4% |
| P/S Multiple | 1.7 | 2.9 | 68.5% |
| Shares Outstanding (Mil) | 30 | 30 | -0.1% |
| Cumulative Contribution | 49.1% |
Market Drivers
9/30/2023 to 10/21/2026| Return | Correlation | |
|---|---|---|
| EGBN | 49.1% | |
| Market (SPY) | 87.1% | 33.6% |
| Sector (XLF) | 76.4% | 50.8% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| EGBN Return | 45% | -22% | -27% | -8% | -16% | 33% | -14% |
| Peers Return | 27% | 7% | -1% | 17% | 9% | 14% | 95% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 12% | 104% |
Monthly Win Rates [3] | |||||||
| EGBN Win Rate | 58% | 33% | 42% | 50% | 50% | 60% | |
| Peers Win Rate | 72% | 43% | 47% | 57% | 55% | 52% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| EGBN Max Drawdown | -11% | -31% | -65% | -44% | -40% | -14% | |
| Peers Max Drawdown | -20% | -21% | -34% | -15% | -23% | -15% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: UBSI, TOWN, WSBC, FNB, MTB.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 10/21/2026 (YTD)
How Low Can It Go
| Event | EGBN | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -31.1% | -18.8% |
| % Gain to Breakeven | 45.2% | 23.1% |
| Time to Breakeven | 231 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -31.2% | -9.5% |
| % Gain to Breakeven | 45.3% | 10.5% |
| Time to Breakeven | 40 days | 24 days |
| 2020 COVID-19 Crash | ||
| % Loss | -42.9% | -33.7% |
| % Gain to Breakeven | 75.1% | 50.9% |
| Time to Breakeven | 292 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -11.3% | -19.2% |
| % Gain to Breakeven | 12.7% | 23.8% |
| Time to Breakeven | 22 days | 105 days |
| 2015-2016 China Devaluation / Global Growth Scare | ||
| % Loss | -10.1% | -12.2% |
| % Gain to Breakeven | 11.2% | 13.9% |
| Time to Breakeven | 31 days | 62 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -20.3% | -17.9% |
| % Gain to Breakeven | 25.5% | 21.8% |
| Time to Breakeven | 55 days | 123 days |
In The Past
Eagle Bancorp's stock fell -31.1% during the 2025 US Tariff Shock. Such a loss loss requires a 45.2% gain to breakeven.
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| Event | EGBN | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -31.1% | -18.8% |
| % Gain to Breakeven | 45.2% | 23.1% |
| Time to Breakeven | 231 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -31.2% | -9.5% |
| % Gain to Breakeven | 45.3% | 10.5% |
| Time to Breakeven | 40 days | 24 days |
| 2020 COVID-19 Crash | ||
| % Loss | -42.9% | -33.7% |
| % Gain to Breakeven | 75.1% | 50.9% |
| Time to Breakeven | 292 days | 140 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -20.3% | -17.9% |
| % Gain to Breakeven | 25.5% | 21.8% |
| Time to Breakeven | 55 days | 123 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -52.0% | -53.4% |
| % Gain to Breakeven | 108.2% | 114.4% |
| Time to Breakeven | 336 days | 1085 days |
| Summer 2007 Credit Crunch | ||
| % Loss | -20.1% | -8.6% |
| % Gain to Breakeven | 25.2% | 9.5% |
| Time to Breakeven | 1190 days | 47 days |
In The Past
Eagle Bancorp's stock fell -31.1% during the 2025 US Tariff Shock. Such a loss loss requires a 45.2% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Eagle Bancorp (EGBN)
Eagle Bancorp, Inc. (EGBN) operates as the bank holding company for EagleBank, providing comprehensive commercial and consumer banking services. Its primary market is concentrated in the metropolitan Washington D.C. area, specifically across Suburban Maryland, the District of Columbia, and Northern Virginia, where it maintains seventeen banking offices to serve its local communities.
The company offers a wide array of financial products and services. Its lending portfolio includes commercial loans for working capital, equipment, and real estate, along with asset-based lending and government contract financing. EagleBank also provides construction and commercial real estate loans, business equipment financing, and various consumer loans such as home equity lines, personal loans, and residential mortgages. Complementing its lending products, it delivers essential banking services like online and mobile banking, cash management solutions, business sweep accounts, lock boxes, remote deposit capture, merchant card services, and personal credit cards.
Eagle Bancorp serves a diverse client base, including sole proprietors, small and medium-sized businesses, partnerships, corporations, non-profit organizations, associations, and individual customers, including investors. Its business model centers on delivering tailored financial solutions to support the unique needs of these varied entities within its core operating regions, fostering both business growth and personal financial well-being.
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Here are 1-3 brief analogies for Eagle Bancorp (EGBN):
- Eagle Bancorp is like **Bank of America, but a community bank focused solely on the Washington D.C. metropolitan area.**
- Consider Eagle Bancorp as a **Chase Bank, specifically catering to the commercial and consumer needs of the D.C. region.**
- Eagle Bancorp is the **local, community-oriented equivalent of a major regional bank like PNC, serving Maryland, D.C., and Northern Virginia.**
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- Commercial Lending: Provides various loans to businesses for working capital, equipment, real estate, and government contract financing.
- Consumer Lending: Offers personal loans, home equity lines of credit, auto loans, and residential mortgage loans for individuals.
- Online and Mobile Banking Services: Delivers digital platforms for account management and transactions.
- Cash Management Services: Provides businesses with tools like remote deposit capture, merchant card services, and account reconciliation.
- Personal Credit Cards: Issues credit cards for consumer use.
- Safety Deposit Boxes: Offers secure storage for client valuables.
- Insurance Referral Program: Facilitates access to insurance products and services through referrals.
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As a bank holding company, Eagle Bancorp (EGBN) serves a diverse customer base rather than having a few "major customers" in the traditional sense of large corporate clients that contribute a significant portion of revenue. Its customer base is comprised of various categories of individuals and organizations.
The primary customer categories served by Eagle Bancorp include:
- Individuals: This category encompasses consumers who utilize the bank's services for personal banking needs, such as personal lines of credit, term loans, auto loans, personal credit cards, residential mortgage loans, home equity lines of credit, and general online/mobile banking services.
- Businesses: This broad category includes sole proprietors, small and medium-sized businesses, partnerships, and corporations. These customers engage with EagleBank for commercial lending products like working capital loans, equipment purchases, real estate lines of credit, government contract financing, asset-based lending, accounts receivable financing, construction and commercial real estate loans, business equipment financing, and cash management services.
- Non-profit Organizations and Associations: Eagle Bancorp also provides banking services tailored to the needs of various non-profit organizations and associations operating within its service areas.
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Visa (V)
Mastercard (MA)
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Susan G. Riel, President & Chief Executive Officer
Susan G. Riel has served as the President and Chief Executive Officer of Eagle Bancorp, Inc. and EagleBank since 2019. She has been with EagleBank since 1998, previously holding the positions of Senior Executive Vice President and Chief Operating Officer. Ms. Riel also helped found Eagle in 1998. She is a member of the Company Board of Directors since 2017 and the Bank Board since 2018.
Eric R. Newell, Senior Executive Vice President and Chief Financial Officer of Eagle Bancorp, Inc.
Eric R. Newell joined Eagle Bancorp, Inc. as Senior Executive Vice President and Chief Financial Officer in September 2023. Before joining Eagle Bancorp, Inc., Mr. Newell served as the Executive Vice President & Chief Financial Officer at Equity Bancshares (NYSE:EQBK) from April 2020. Prior to that, he was the Chief Financial Officer of United Financial Bancorp, Inc (NASDAQ: UBNK) from November 2013 until its sale to Peoples United Bank in October 2019. His earlier career included roles at AllianceBernstein L.P., Fitch Ratings, Inc, and the Federal Deposit Insurance Corporation.
Charles D. Levingston, CPA, Executive Vice President and Chief Financial Officer of EagleBank
Charles D. Levingston is the Executive Vice President and Chief Financial Officer of EagleBank, and previously served as Executive Vice President and Chief Financial Officer of the holding company since April 2017. He joined EagleBank in January 2012. Before his tenure at EagleBank, Mr. Levingston worked at The Federal Reserve Banks of Atlanta and Philadelphia as a commissioned Bank Examiner, and at PriceWaterhouseCoopers as a Manager in the Advisory practice.
Paul Saltzman, Esquire, Executive Vice President and Chief Legal Officer
Paul Saltzman is the Executive Vice President and Chief Legal Officer of Eagle Bancorp, Inc., and EagleBank, a position he assumed in January 2020. Prior to joining the company, Mr. Saltzman was a partner in the Banking and Financial Institutions Advisory Practice at White & Case from mid-2018. From 2015 to 2018, he served as Vice Chairman at Deutsche Bank.
Ryan A. Riel, Senior Executive Vice President
Ryan A. Riel holds the title of Senior Executive Vice President at Eagle Bancorp.
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The key risks to Eagle Bancorp (EGBN) include significant credit quality challenges, particularly within its commercial real estate (CRE) office portfolio; a weakened earnings profile driven by loan losses and net interest margin compression; and intense competition in its operating markets, affecting its funding profile.
- Credit Quality Challenges in Commercial Real Estate (CRE) Office Portfolio: Eagle Bancorp has faced substantial credit quality issues, predominantly within its commercial real estate portfolio, leading to considerable loan loss provisions and net charge-offs. The office loan segment, particularly in the highly competitive Washington D.C. metro area, has been negatively impacted by elevated interest rates, the shift to hybrid work models, and federal government efficiency initiatives, resulting in increased vacancy rates and valuation pressures on collateral. This situation has been described as a "complete washout of the quality of its loan portfolio," with a rise in substandard loans. A significant portion of the company's income-producing office portfolio is scheduled to mature in 2026, indicating a potential for ongoing credit challenges.
- Weakened Earnings Profile and Net Interest Margin (NIM) Compression: The company has reported consecutive quarters of significant losses, indicating a sharp deterioration in profitability. Eagle Bancorp's net interest margin (NIM) has been squeezed due to intense competition for deposits in its core markets and a greater reliance on higher-cost wholesale funding, resulting in a NIM well below average. This has also contributed to return on assets and return on equity metrics that are below industry standards.
- Intense Competition and Funding Profile: Eagle Bancorp operates in the Washington D.C. metro area, a market characterized by intense competitive rivalry from both large national banks and numerous established community banks. This competitive environment, coupled with depositor power, leads to increased funding costs for the bank as it strives to attract and retain stable core deposits. The company's funding profile exhibits a comparatively higher reliance on wholesale funding, such as brokered deposits and Federal Home Loan Bank (FHLB) borrowings, which further contributes to elevated funding costs and impacts profitability.
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The rapid expansion of digital-first neobanks and online lenders directly competing for consumer and small business accounts with agile, technology-driven solutions.
The increasing entry and integration of financial services by major technology companies (Big Tech), leveraging their vast user bases and ecosystems to offer banking and lending products.
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Eagle Bancorp, Inc. (EGBN) offers a range of commercial and consumer banking services. The addressable markets for their main products and services, primarily within the United States, are substantial.
Commercial Banking Services
- Commercial Lending: The U.S. commercial lending market was valued at approximately $14.15 trillion in 2023 and grew to $16.44 trillion in 2024. It is projected to reach $30.09 trillion by 2028. North America, with the United States comprising about 75% of the market share, remains the largest region for commercial lending.
- Commercial Real Estate (CRE) Loans: The U.S. commercial real estate mortgage market, including loans backed by income-producing properties, was approximately $4.5 trillion as of March 2023. Additionally, there were about $470 billion in construction loans. Total commercial real estate mortgage borrowing and lending in the U.S. was estimated at $498 billion in 2024. The broader U.S. Real Estate Loan Market (encompassing residential, commercial, and industrial properties) reached an impressive valuation of $3.5 trillion in 2024.
Consumer Banking Services
- Residential Mortgage Loans: Total single-family mortgage origination volume in the U.S. is expected to increase to $2.2 trillion in 2026, up from $2.0 trillion in 2025. The dollar volume of new mortgages originated in the U.S. was $159.2 billion in July 2025. Overall, outstanding residential mortgage debt in the USA Home Finance Market is approximately in the trillions of USD.
- Home Equity Lines of Credit (HELOCs) and Home Equity Loans: The U.S. home equity lending market was valued at $179.21 billion in 2025 and is projected to grow to $228.25 billion by 2031. HELOCs constituted 68.52% of this market in 2025. In the fourth quarter of 2024, HELOC balances in the U.S. rose to an aggregate of $396 billion. Banks hold approximately $276 billion of the total HELOC volume.
- Personal Loans: The U.S. Personal Loans Market size was valued at $320.73 billion in 2025 and is anticipated to reach $674.13 billion by 2033. Unsecured personal loans represented a $253 billion market as of Q1 2025. As of Q4 2025, Americans collectively owed $276 billion in personal loan debt.
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Expected Drivers of Future Revenue Growth for Eagle Bancorp (EGBN)
Over the next 2-3 years, Eagle Bancorp (EGBN) is expected to drive revenue growth through several key initiatives and market dynamics:
- Growth in Commercial and Industrial (C&I) Lending: Eagle Bancorp is focusing on expanding its commercial lending platform, evidenced by positive results in Q1 2025 with commercial loans increasing by 4.3% over the previous quarter. The company expects continued impact from new additions to its C&I team, leading to growth and improved market penetration in the Greater Washington D.C. Metro Area.
- Improvement in Net Interest Margin (NIM): The company anticipates an increase in its net interest margin, with projections ranging between 2.6% and 2.8% for 2026. This improvement is supported by efforts to optimize the funding mix and manage interest-earning assets effectively.
- Increase in Non-Interest Income: Eagle Bancorp expects a substantial increase in non-interest income, forecasting a 15-25% rise in 2026. This growth is a result of strategic initiatives to diversify revenue streams.
- Balance Sheet Repositioning and Improved Funding Mix: The company is actively repositioning its balance sheet to achieve more durable performance and stronger pre-provision net revenue. This includes reducing concentrations in commercial real estate and construction loans, while also improving the funding mix by increasing core deposits and reducing reliance on brokered deposits.
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Share Repurchases
- Eagle Bancorp's Board of Directors authorized the repurchase of 1,600,000 shares of common stock, representing approximately 5% of outstanding shares, under a program effective from January 1, 2023, until December 31, 2023.
- The company reported no spending on share buybacks in the fourth quarter of 2024.
Share Issuance
- The number of outstanding shares remained at approximately 32 million at the end of 2021 and 2022.
- Shares outstanding decreased to approximately 30 million by the end of 2023 and remained around that level throughout 2024.
- By the end of 2025, shares outstanding increased to approximately 31 million.
Capital Expenditures
- Capital expenditures were $5 million in 2021 and $2 million in 2022.
- In both 2023 and 2024, capital expenditures were effectively $0 million.
- For the fourth quarter of 2025, Eagle Bancorp invested $2.9 million in capital expenditures.
Peer Outperformance in Regional Banks
| Ticker | Name | Rev Growth 3Y Avg | P/E | 1Y | 3Y | 5Y | 5Y Gap |
|---|---|---|---|---|---|---|---|
| EGBN | Eagle Bancorp | -3.9% | -18.0x | 46.9% | 71.5% | -39.9% | — |
| RF | Regions Financial | -0.3% | 10.7x | 19.8% | 121.5% | 48.2% | +88pp |
| FIBK | First Interstate BancSystem | -1.6% | 10.6x | 20.4% | 93.5% | 16.2% | +56pp |
| Industry | Names | 1Y med | 3Y med | 5Y med | Top 3 by 5Y |
|---|---|---|---|---|---|
| Reinsurance | 6 | 29.3% | 70.9% | 117.9% | SPNT 175% · RGA 150% · RNR 149% |
| Diversified Banks | 12 | 28.8% | 148.1% | 90.6% | CM 141% · RY 126% · JPM 124% |
| Life & Health Insurance | 20 | 13.6% | 61.4% | 84.5% | JXN 473% · UNM 291% · MFC 183% |
| Multi-Sector Holdings | 4 | 9.7% | 58.8% | 71.2% | BRK-B 88% · VOYA 54% · JEF 30% |
| Investment Banking & Brokerage | 13 | -12.1% | 102.8% | 70.1% | IBKR 373% · SNEX 176% · GS 151% |
| Property & Casualty Insurance | 42 | 13.6% | 80.6% | 63.8% | TRV 174% · PGR 161% · ACGL 146% |
| Multi-line Insurance | 9 | 7.7% | 67.3% | 58.4% | GNW 98% · L 98% · AIZ 87% |
| Regional Banks ← | 260 | 29.2% | 97.1% | 53.0% | CBC 228% · FCNCA 161% · NIC 138% |
| Financial Exchanges & Data | 15 | 7.8% | 36.5% | 29.9% | CBOE 168% · VIRT 161% · CME 70% |
| Consumer Finance | 30 | -1.3% | 90.3% | 27.5% | ENVA 413% · EZPW 325% · FCFS 154% |
| Insurance Brokers | 15 | -6.3% | 7.3% | 19.4% | LIFE 416% · ARX 88% · AJG 66% |
| Diversified Financial Services | 4 | -4.1% | 22.5% | 5.3% | FRHC 158% · EQH 83% |
| Asset Management & Custody Banks | 84 | -13.7% | 21.9% | 3.0% | WT 296% · AAMI 257% · VCTR 244% |
| Commercial & Residential Mortgage Finance | 15 | -54.2% | 35.1% | -5.8% | FNMA 340% · FMCC 305% · ACT 149% |
| Specialized Finance | 3 | 7.9% | 35.9% | -12.1% | CACC -12% · HASI -22% |
| Mortgage REITs | 34 | -21.7% | -2.9% | -35.1% | RITM 25% · DX 17% · AGNC 6% |
| Transaction & Payment Processing Services | 17 | 0.6% | 8.3% | -36.6% | V 84% · MA 80% · CPAY 47% |
| Diversified Capital Markets | 20 | -53.8% | 13.4% | -63.7% | LPLA 89% · TW 45% · RIOT -52% |
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Financials
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|---|---|
| Name | |
| Mkt Price | 36.84 |
| Mkt Cap | 5.0 |
| Rev LTM | 1,166 |
| Op Inc LTM | - |
| FCF LTM | 464 |
| FCF 3Y Avg | 364 |
| CFO LTM | 476 |
| CFO 3Y Avg | 377 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 13.2% |
| Rev Chg 3Y Avg | 5.3% |
| Rev Chg Q | 5.5% |
| QoQ Delta Rev Chg LTM | 1.4% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 38.1% |
| CFO/Rev 3Y Avg | 34.6% |
| FCF/Rev LTM | 35.3% |
| FCF/Rev 3Y Avg | 31.7% |
Price Behavior
| Market Price | $28.53 | |
| Market Cap ($ Bil) | 0.9 | |
| First Trading Date | 07/14/1999 | |
| Distance from 52W High | -2.0% | |
| 50 Days | 200 Days | |
| DMA Price | $28.06 | $26.69 |
| DMA Trend | up | up |
| Distance from DMA | 1.7% | 6.9% |
| 3M | 1YR | |
| Volatility | 20.9% | 35.7% |
| Downside Capture | 38.89 | 60.07 |
| Upside Capture | 46.74 | 95.81 |
| Correlation (S&P 500) | 13.1% | 22.0% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.06 | 0.19 | 0.22 | 0.37 | 0.68 | 0.98 |
| Up Beta | -3.21 | 0.30 | -0.25 | 0.01 | 0.56 | 1.00 |
| Down Beta | 0.49 | -0.06 | -0.38 | -0.24 | 0.64 | 0.90 |
| Up Capture | 41% | 17% | 41% | 64% | 79% | 89% |
| Bmk +ve Days | 6 | 16 | 27 | 66 | 132 | 424 |
| Stock +ve Days | 11 | 19 | 30 | 74 | 139 | 383 |
| Down Capture | 24% | 20% | 64% | 72% | 66% | 102% |
| Bmk -ve Days | 16 | 26 | 37 | 60 | 120 | 328 |
| Stock -ve Days | 11 | 23 | 34 | 52 | 111 | 362 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with EGBN | |
|---|---|---|---|---|
| EGBN | 46.6% | 35.7% | 1.12 | - |
| Sector ETF (XLF) | 7.5% | 14.4% | 0.27 | 42.3% |
| Equity (SPY) | 16.2% | 12.7% | 0.90 | 20.9% |
| Gold (GLD) | -6.0% | 29.0% | -0.22 | 5.7% |
| Commodities (DBC) | 50.2% | 20.7% | 1.85 | -18.3% |
| Real Estate (VNQ) | 3.1% | 13.8% | -0.03 | 28.9% |
| Bitcoin (BTCUSD) | -25.3% | 43.4% | -0.55 | 8.2% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with EGBN | |
|---|---|---|---|---|
| EGBN | -9.6% | 41.9% | -0.12 | - |
| Sector ETF (XLF) | 9.7% | 18.3% | 0.39 | 50.5% |
| Equity (SPY) | 13.6% | 17.1% | 0.61 | 34.8% |
| Gold (GLD) | 17.7% | 18.9% | 0.76 | -0.3% |
| Commodities (DBC) | 9.5% | 19.5% | 0.37 | 4.6% |
| Real Estate (VNQ) | 1.1% | 18.9% | -0.05 | 40.9% |
| Bitcoin (BTCUSD) | 7.6% | 51.7% | 0.33 | 15.0% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with EGBN | |
|---|---|---|---|---|
| EGBN | -3.0% | 41.0% | 0.06 | - |
| Sector ETF (XLF) | 13.1% | 22.1% | 0.54 | 59.7% |
| Equity (SPY) | 15.5% | 17.9% | 0.73 | 43.0% |
| Gold (GLD) | 12.2% | 16.4% | 0.61 | -4.1% |
| Commodities (DBC) | 8.2% | 18.1% | 0.37 | 14.8% |
| Real Estate (VNQ) | 5.2% | 20.7% | 0.21 | 43.6% |
| Bitcoin (BTCUSD) | 62.6% | 66.2% | 1.02 | 10.3% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Updated 10/21/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 7/22/2026 | 2.4% | 3.5% | 3.3% |
| 4/22/2026 | -2.7% | -4.0% | -2.9% |
| 1/21/2026 | 6.8% | 16.1% | 17.6% |
| 10/23/2025 | -12.5% | -14.0% | -11.8% |
| 7/23/2025 | -21.2% | -23.9% | -16.4% |
| 4/23/2025 | -11.4% | -15.3% | -16.5% |
| 1/22/2025 | -2.1% | 3.8% | -4.4% |
| 10/23/2024 | 15.5% | 14.4% | 23.5% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 9 | 9 | 9 |
| # Negative | 14 | 14 | 14 |
| Median Positive | 1.6% | 3.9% | 13.0% |
| Median Negative | -5.1% | -5.1% | -12.7% |
| Max Positive | 15.5% | 16.1% | 34.2% |
| Max Negative | -21.2% | -23.9% | -38.4% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 7/22/2026 | 2.4% | 3.5% | 3.3% |
| 4/22/2026 | -2.7% | -4.0% | -2.9% |
| 1/21/2026 | 6.8% | 16.1% | 17.6% |
| 10/23/2025 | -12.5% | -14.0% | -11.8% |
| 7/23/2025 | -21.2% | -23.9% | -16.4% |
| 4/23/2025 | -11.4% | -15.3% | -16.5% |
| 1/22/2025 | -2.1% | 3.8% | -4.4% |
| 10/23/2024 | 15.5% | 14.4% | 23.5% |
| 7/24/2024 | 0.9% | -4.1% | -11.1% |
| 4/24/2024 | -10.3% | -14.7% | -14.0% |
| 1/24/2024 | 1.6% | 0.8% | -14.0% |
| 10/25/2023 | 13.3% | 13.4% | 34.2% |
| 7/26/2023 | 1.0% | -2.7% | -13.6% |
| 4/19/2023 | -19.5% | -22.6% | -38.4% |
| 1/18/2023 | -1.8% | 3.9% | 4.8% |
| 10/19/2022 | -5.3% | -6.2% | -3.4% |
| 7/20/2022 | -5.0% | -1.6% | 5.4% |
| 4/21/2022 | -0.4% | -8.3% | -14.2% |
| 1/19/2022 | -3.3% | -3.6% | -3.2% |
| 7/21/2021 | -5.6% | -1.2% | -0.3% |
| 4/21/2021 | 1.5% | 4.3% | 7.0% |
| 1/27/2021 | -4.1% | 0.1% | 13.0% |
| 10/21/2020 | 0.4% | -1.2% | 24.0% |
| SUMMARY STATS | |||
| # Positive | 9 | 9 | 9 |
| # Negative | 14 | 14 | 14 |
| Median Positive | 1.6% | 3.9% | 13.0% |
| Median Negative | -5.1% | -5.1% | -12.7% |
| Max Positive | 15.5% | 16.1% | 34.2% |
| Max Negative | -21.2% | -23.9% | -38.4% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 06/30/2026 | 08/06/2026 | 10-Q |
| 03/31/2026 | 05/07/2026 | 10-Q |
| 12/31/2025 | 03/09/2026 | 10-K |
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 08/07/2025 | 10-Q |
| 03/31/2025 | 05/08/2025 | 10-Q |
| 12/31/2024 | 02/27/2025 | 10-K |
| 09/30/2024 | 11/07/2024 | 10-Q |
| 06/30/2024 | 08/08/2024 | 10-Q |
| 03/31/2024 | 05/03/2024 | 10-Q |
| 12/31/2023 | 02/29/2024 | 10-K |
| 09/30/2023 | 11/08/2023 | 10-Q |
| 06/30/2023 | 08/09/2023 | 10-Q |
| 03/31/2023 | 05/10/2023 | 10-Q |
| 12/31/2022 | 03/01/2023 | 10-K |
| 09/30/2022 | 11/09/2022 | 10-Q |
| Report Date | Filing Date | Filing |
|---|---|---|
| 06/30/2026 | 08/06/2026 | 10-Q |
| 03/31/2026 | 05/07/2026 | 10-Q |
| 12/31/2025 | 03/09/2026 | 10-K |
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 08/07/2025 | 10-Q |
| 03/31/2025 | 05/08/2025 | 10-Q |
| 12/31/2024 | 02/27/2025 | 10-K |
| 09/30/2024 | 11/07/2024 | 10-Q |
| 06/30/2024 | 08/08/2024 | 10-Q |
| 03/31/2024 | 05/03/2024 | 10-Q |
| 12/31/2023 | 02/29/2024 | 10-K |
| 09/30/2023 | 11/08/2023 | 10-Q |
| 06/30/2023 | 08/09/2023 | 10-Q |
| 03/31/2023 | 05/10/2023 | 10-Q |
| 12/31/2022 | 03/01/2023 | 10-K |
| 09/30/2022 | 11/09/2022 | 10-Q |
| 06/30/2022 | 08/09/2022 | 10-Q |
| 03/31/2022 | 05/10/2022 | 10-Q |
| 12/31/2021 | 03/01/2022 | 10-K |
| 09/30/2021 | 11/09/2021 | 10-Q |
| 06/30/2021 | 08/09/2021 | 10-Q |
| 03/31/2021 | 05/10/2021 | 10-Q |
| 12/31/2020 | 03/01/2021 | 10-K |
| 09/30/2020 | 11/09/2020 | 10-Q |
| 06/30/2020 | 08/10/2020 | 10-Q |
| 03/31/2020 | 05/11/2020 | 10-Q |
| 12/31/2019 | 03/02/2020 | 10-K |
| 09/30/2019 | 11/12/2019 | 10-Q |
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Regional Banks Resources |
| Bank Director |
| Independent Banker |
| S&P Global Market Intelligence |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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