Eagle Bancorp, Inc.
- Open
- 27.35
- Day high
- 27.41
- Day low
- 26.70
- Prev close
- 27.39
- Volume
- 228K
- Mkt cap
- $821M
- P/E (TTM)
- —
- EPS (TTM)
- —
- P/B
- 0.7
- P/S
- 1.3
- Yield
- 0.72%
- Per share
- $0.20
Eagle Bancorp, Inc. (EGBN) is a Financial Services company listed on NASDAQ. The stock is up 25% over the past year.
Eagle Bancorp, Inc. (EGBN) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 2 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
EGBN earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 23, 2026 | $0.28 | $0.48 | +71.4% | $76M | +1.2% |
| Mar 9, 2026 | — | $0.25 | — | $162M | — |
| Oct 22, 2025 | $-0.30 | $-2.22 | -640.0% | $71M | +1.1% |
| Jul 23, 2025 | $0.40 | $-2.30 | -675.0% | $74M | -5.7% |
| Apr 23, 2025 | $0.46 | $0.06 | -87.0% | $74M | +2.7% |
| Jan 22, 2025 | $0.51 | $0.50 | -2.0% | $75M | +0.3% |
| Oct 23, 2024 | $0.44 | $0.72 | +63.6% | $79M | +4.8% |
| Jul 24, 2024 | $0.33 | $0.67 | +103.0% | $76M | +1.9% |
| Jan 24, 2024 | $0.68 | $0.67 | -1.5% | $76M | +10.5% |
| Oct 25, 2023 | $0.72 | $0.91 | +26.4% | $77M | +11.3% |
| Jul 26, 2023 | $0.68 | $0.94 | +38.2% | $80M | +9.6% |
| Apr 19, 2023 | $1.13 | $0.78 | -31.0% | $79M | -6.7% |
EGBN insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Mar 2, 2026 | Lee Evelynofficer: EVP, Chief C&I Lending Officer | Tax | 212 | $26.33 |
| Mar 2, 2026 | Riel Ryanofficer: Sr. Executive Vice President | Tax | 832 | $26.33 |
| Mar 2, 2026 | RIEL SUSAN Gdirector, officer: President & CEO | Tax | 3,206 | $26.33 |
| Mar 2, 2026 | Saltzman Paulofficer: EVP/Chief Legal Officer | Tax | 368 | $26.33 |
| Feb 23, 2026 | RIEL SUSAN Gdirector, officer: President & CEO | Grant | 7,780 | — |
| Feb 23, 2026 | Saltzman Paulofficer: EVP/Chief Legal Officer | Grant | 3,296 | — |
| Feb 23, 2026 | Ludwig A. Lesliedirector | Grant | 9,073 | — |
| Feb 23, 2026 | Soto Benjamin M.director | Grant | 9,073 | — |
| Feb 23, 2026 | Freidkin Stevendirector | Grant | 9,073 | — |
| Feb 23, 2026 | Lee Evelynofficer: EVP, Chief C&I Lending Officer | Grant | 8,513 | $26.45 |
| Feb 23, 2026 | Riel Ryanofficer: Sr. Executive Vice President | Grant | 9,764 | $26.45 |
| Feb 23, 2026 | Soltesz James Adirector | Grant | 9,073 | — |
| Feb 23, 2026 | Saltzman Paulofficer: EVP/Chief Legal Officer | Grant | 6,646 | $26.45 |
| Feb 23, 2026 | Riel Ryanofficer: Sr. Executive Vice President | Grant | 4,843 | — |
| Feb 23, 2026 | Wilm Theodore A.director | Grant | 4,536 | — |
Source: EGBN SEC Form 4 filings, latest Mar 2, 2026. For informational purposes only — not investment advice.
See the full EGBN insider & 13F page →Eagle Bancorp, Inc. company profile
Overview
Eagle Bancorp, Inc. (NASDAQ:EGBN) is a regional bank holding company founded in 1997 and headquartered in Bethesda, Maryland. The company operates through its primary subsidiary, EagleBank, which provides commercial and consumer banking services primarily in the Washington D.C. metropolitan area. Since going public in 1999, Eagle Bancorp has established itself as a community-focused financial institution serving the greater Washington region, including Suburban Maryland, the District of Columbia, and Northern Virginia through seventeen banking offices.
Business
Eagle Bancorp operates in the regional banking industry, providing traditional commercial and consumer banking services through its subsidiary EagleBank. The banking industry serves as a financial intermediary, accepting deposits from customers and lending those funds to borrowers while earning a spread between the interest paid on deposits and the interest earned on loans. The company's core services include commercial lending, which encompasses working capital loans, equipment financing, real estate lines of credit, and government contract financing. Commercial real estate (CRE) lending represents a significant portion of their portfolio, including construction loans and permanent financing for office buildings, retail properties, and other commercial developments. The bank also provides asset-based lending and accounts receivable financing for businesses that need capital secured by their assets. On the consumer side, Eagle Bancorp offers residential mortgage loans, home equity lines of credit, personal loans, auto financing, and credit cards. The bank provides comprehensive deposit services including checking and savings accounts, certificates of deposit, and money market accounts for both individual and business customers. Additionally, the company offers treasury management services such as cash management, business sweep accounts, lockbox services, remote deposit capture, merchant card services, and automated clearing house (ACH) services. These services help business customers manage their daily financial operations more efficiently. The bank also provides insurance products through referral programs and maintains ATM networks and safety deposit box services. Eagle Bancorp's geographic focus on the Washington D.C. metropolitan area allows it to serve a diverse customer base including sole proprietors, small and medium-sized businesses, partnerships, corporations, non-profit organizations, government contractors, and individual consumers in one of the nation's most economically stable regions.
Revenue model
Eagle Bancorp generates revenue primarily through net interest income, which is the difference between interest earned on loans and investments and interest paid on deposits and borrowed funds. This traditional banking model, known as spread banking, constituted the majority of their revenue with net interest income of approximately $70-75 million per quarter in recent periods. The bank's paying customers include commercial borrowers such as small and medium-sized businesses, government contractors, real estate developers, and construction companies who pay interest on loans. On the deposit side, the bank pays interest to individual savers, businesses, and institutional customers who place funds in various deposit accounts. The bank also generates non-interest income through fees for services like treasury management, loan origination fees, deposit account fees, and referral income from insurance products. Several factors significantly impact Eagle Bancorp's profitability margins. Interest rate environment is the most critical factor - rising rates generally benefit the bank's net interest margin as loan rates typically adjust faster than deposit rates, while falling rates compress margins. The bank's asset sensitivity means it benefits from rising rate environments, with management estimating 9.9% net interest income growth potential from a 100 basis point rate increase. Credit quality represents another major margin factor, as loan losses directly reduce profitability. Eagle Bancorp faces particular challenges with its commercial real estate portfolio, especially office properties, which have experienced significant valuation declines. The bank has been building credit loss provisions, with allowances reaching $114 million (1.44% of total loans) by Q4 2024. Deposit competition and funding costs also pressure margins. The bank has been working to reduce its reliance on higher-cost wholesale funding and brokered deposits while growing relationship-based core deposits. Regulatory capital requirements influence the bank's ability to grow and generate returns, while operational efficiency through expense management affects overall profitability. The Washington D.C. market's economic stability generally supports the bank's performance, though government policy changes and federal employment trends can impact local economic conditions.
Competitive moat
Eagle Bancorp operates with a relatively narrow economic moat that stems primarily from its established market presence in the Washington D.C. metropolitan area. The bank's competitive advantages include deep local market knowledge, established relationships with government contractors and businesses in the region, and expertise in serving the unique needs of the D.C. market including government contracting financing. The company's relationship-based banking approach provides some customer stickiness, as small and medium-sized businesses often prefer working with local banks that understand their specific needs. Eagle Bancorp's focus on commercial real estate lending in the D.C. area has historically provided specialized expertise, though this concentration has become a vulnerability rather than a strength in recent years. However, the bank's moat is relatively weak compared to larger regional or national banks. The banking industry faces intense competition from multiple sources including larger regional banks with greater resources, credit unions, online banks offering higher deposit rates, and non-bank lenders. Larger competitors like Bank of America, Wells Fargo, and regional players can offer more comprehensive services, better technology platforms, and more competitive pricing. The bank's geographic concentration in the D.C. area, while providing local expertise, also limits diversification and makes the institution vulnerable to regional economic downturns. Regulatory pressures continue to increase compliance costs, disproportionately affecting smaller banks like Eagle Bancorp. Most significantly, the bank's commercial real estate concentration, particularly in office properties, has become a major competitive disadvantage as property values have declined and credit quality has deteriorated. This concentration limits the bank's flexibility and has required substantial provisioning for credit losses. Fintech disruption in payments, lending, and deposit gathering also threatens traditional banking relationships, while digital transformation requirements demand significant technology investments that smaller banks struggle to fund effectively.
Risks & safety
Eagle Bancorp presents moderate financial risk with adequate capital buffers but concerning asset quality trends that require careful monitoring. **Capital and Solvency:** 1. Strong regulatory capital ratios: Tier 1 leverage ratio of 10.74% and Common Equity Tier 1 ratio of 14.63% provide substantial buffers above regulatory minimums 2. Total assets of $11.1 billion with shareholders' equity of $1.2 billion 3. Available liquidity of $4.6 billion provides adequate funding flexibility 4. Debt-to-equity ratio of 0.48 indicates manageable leverage levels **Credit Quality Concerns:** 1. Allowance for credit losses increased to $114 million (1.44% of total loans) by Q4 2024 2. Non-performing loans rose to $208.7 million, with substandard loans at $426.4 million 3. Significant exposure to troubled office real estate sector with $949 million portfolio 4. Net charge-offs of $9.5 million in Q4 2024, with expectations of 25-50 basis points annually **Valuation Metrics:** 1. Price-to-book ratio of 0.64 suggests potential undervaluation 2. Price-to-earnings ratio of 12.85 (based on Q4 2024 performance) appears reasonable 3. Book value provides some downside protection given asset base **Other Considerations:** 1. 76% of deposits are insured, providing stability during stress periods 2. Recent goodwill impairment of $104 million in Q2 2024 cleaned up balance sheet 3. Dividend sustainability may be questioned given credit challenges and earnings volatility
Recent development
Over the past few years, Eagle Bancorp has undergone significant strategic repositioning in response to challenging market conditions, particularly in commercial real estate. The bank has been actively diversifying its loan portfolio away from commercial real estate concentration, with management targeting a reduction in CRE exposure over 24-36 months and focusing on growing commercial and industrial (C&I) lending. Leadership changes have been substantial, with the bank bringing in new expertise including Evelyn Lee as Chief Lending Officer and Kevin Geoghagen as Chief Credit Officer to strengthen credit management capabilities. The retirement of long-term executive Jan Williams after 20 years marked a significant transition period. The company has made strategic investments in digital banking by launching a direct banking channel that has opened 558 new customer relationships within six months. This digital initiative aims to reduce funding costs and attract deposits from beyond their traditional geographic footprint. Additionally, the bank onboarded an expatriate banking services team to serve international customers, representing a new market segment expansion. Credit management has become a primary focus, with the bank proactively addressing asset quality issues through increased provisioning, enhanced monitoring of commercial real estate loans, and implementation of various workout strategies including cash flow sweeps, payment reserves, and collaborative asset sales with borrowers. Funding strategy transformation has been another key development, with Eagle Bancorp working to reduce reliance on wholesale funding and brokered deposits. The bank fully repaid $1 billion in Bank Term Funding Program debt and has been focusing on growing relationship-based core deposits. Management has also raised $77.7 million in unsecured senior debt to strengthen the capital base and reduced the dividend to support growth initiatives and reserve building.
EGBN company profile · for informational purposes only — not investment advice.
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