
Eagle Bancorp, Inc.
NASDAQ•EGBN
CEO: Mr. Norman R. Pozez
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1999-07-14
Eagle Bancorp, Inc. operates as the bank holding company for EagleBank that provides commercial and consumer banking services primarily in the United States. The company also offers various commercial and consumer lending products comprising commercial loans for working capital, equipment purchases, real estate lines of credit, and government contract financing; asset based lending and accounts receivable financing; construction and commercial real estate loans; business equipment financing; consumer home equity lines of credit, personal lines of credit, and term loans; consumer installment loans, such as auto and personal loans; personal credit cards; and residential mortgage loans. In addition, it provides online and mobile banking services; checking and saving accounts; and other deposit services, including cash management services, business sweep accounts, lock boxes, remote deposit captures, account reconciliation services, merchant card services, safety deposit boxes, and automated clearing house origination, as well as after-hours depositories and ATM services. Further, the company offers insurance products and services through a referral program; and treasury management services. The company serves sole proprietors, small and medium-sized businesses, partnerships, corporations, and non-profit organizations and associations, as well as investors. Eagle Bancorp, Inc. was incorporated in 1997 and is headquartered in Bethesda, Maryland.
Contact Information
7830 Old Georgetown Road, Third Floor, Bethesda, MD, 20814, United States
301-986-1800
Market Cap
$657.54M
P/E (TTM)
-5.5
15.3
Dividend Yield
2.3%
52W High
$27.07
52W Low
$15.03
52W Range
Rank55Top 80.0%
2.6
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 2.6 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q3 2025 Data
Revenue
$152.60M-15.58%
4-Quarter Trend
EPS
-$2.22-408.33%
4-Quarter Trend
FCF
$0.00+0.00%
4-Quarter Trend
2025 Q3 Earnings Highlights
Key Highlights
Significant Net Loss Reported Q3 2025 recorded a net loss of $67.5M, reversing prior year's $21.8M profit; 9M loss reached $135.6M due to credit deterioration.
Credit Provisioning Spikes Provision for credit losses surged to $113.2M for the quarter and $277.6M year-to-date, reflecting severe asset quality concerns.
Loan Portfolio Shrinks Held-for-investment loans decreased by $630.2M since year-end 2024, driven by strategic dispositions and charge-offs, ending at $7.3B.
Capital Ratios Remain Strong Company CET1 ratio stood at 13.58% and Tier 1 Leverage at 10.40%, exceeding all regulatory well-capitalized minimums despite recent losses.
Risk Factors
Elevated Net Charge-Offs Nine-month net charge-offs totaled $235.9M, significantly higher than $29.0M last year, heavily concentrated in the CRE office sector.
CRE Office Concentration Risk Significant charge-offs resulted from updated valuations in the CRE office portfolio; management accelerated dispositions to mitigate risk exposure.
NIM Pressure Persists Nine-month Net Interest Margin slightly compressed to 2.37% as lower average loan yields offset modest funding cost reductions.
Deposit Mix Shifting Time deposits grew $475.6M, while interest-bearing transaction accounts fell $279.3M, indicating a shift in funding sources and potential cost pressure.
Outlook
Focus on Credit Resolution Management strategy involves accelerating dispositions of criticized and classified loans to reduce future asset quality risk exposure moving forward.
Liquidity Flexibility Maintained Secondary liquidity sources remain robust at $4.8B, providing ample capacity via FHLB and brokered deposit programs to meet funding needs.
Capital Management Focus Continued growth depends on earnings; capital levels must be maintained above regulatory thresholds despite ongoing CRE concentration monitoring.
Non-GAAP PPNR Decline Pre-provision net revenue for Q3 fell to $28.8M from $35.2M, driven by losses on sales of loans and investment securities.
Peer Comparison
Revenue (TTM)
$1.34B
EGBN$645.02M
$350.84M
Gross Margin (Latest Quarter)
72.1%
66.3%
65.1%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| CUBI | $2.45B | 14.2 | 9.2% | 6.1% |
| MOFG | $833.03M | 14.1 | 10.0% | 1.6% |
| HTBK | $759.06M | 17.4 | 6.2% | 0.7% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-4.0%
Flat Growth
4Q Net Income CAGR
N/M
Profitability Shift
Cash Flow Stability
50%
Cash Flow Needs Attention
Research & Insights
Next earnings:Jan 21, 2026
EPS:-$0.12
|Revenue:$67.81M
Reports
All Years
Form 10-Q - Q3 2025
Period End: Sep 30, 2025|Filed: Nov 7, 2025|Revenue: $152.60M-15.6%|EPS: $-2.22-408.3%MissForm 10-Q - Q2 2025
Period End: Jun 30, 2025|Filed: Aug 7, 2025|Revenue: $157.86M-9.7%|EPS: $-2.30-17.3%MissForm 10-Q - Q1 2025
Period End: Mar 31, 2025|Filed: May 8, 2025|Revenue: $162.09M-9.4%|EPS: $0.06-593.8%MissForm 10-K - FY 2024
Period End: Dec 31, 2024|Filed: Feb 27, 2025|Revenue: $707.50M+9.4%|EPS: $-1.56-147.1%MissForm 10-Q - Q3 2024
Period End: Sep 30, 2024|Filed: Nov 7, 2024|Revenue: $180.76M+7.9%|EPS: $0.72-20.9%BeatForm 10-Q - Q2 2024
Period End: Jun 30, 2024|Filed: Aug 8, 2024|Revenue: $174.83M+5.9%|EPS: $-2.78-395.7%MissForm 10-Q - Q1 2024
Period End: Mar 31, 2024|Filed: May 3, 2024|Revenue: $178.98M+24.3%|EPS: $-0.01-101.4%MissForm 10-K - FY 2023
Period End: Dec 31, 2023|Filed: Feb 29, 2024|Revenue: $646.86M+44.3%|EPS: $3.31-24.8%Beat