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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
www.eaglebankcorp.com
Market Cap
$738.93M
P/E (TTM)
-5.7
14.3
Dividend Yield
1.4%
52W High
$29.26
52W Low
$15.03
52W Range
65%
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

Q4 2025 Data

Revenue

$161.72M-6.24%
4-Quarter Trend

EPS

$0.25-50.98%
4-Quarter Trend

FCF

-$35.40M+0.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Massive Credit Loss Provisioning Provision for credit losses surged to $293.1M in 2025, up from $66.4M in 2024, reflecting severe asset quality deterioration across the portfolio.
Significant Net Loss Recorded Company posted a net loss of $(138.05M) in 2025, substantially worse than the $(47.04M) loss in 2024, primarily driven by elevated credit costs.
Loan Portfolio Contraction Total loans held for investment decreased by $654.4M to $7.28B, while total assets fell $632.3M year-over-year as securities were liquidated.
Strong Capital Position Maintained CET1 ratio stood at 13.07%, exceeding the 7.00% minimum requirement, demonstrating capital strength despite challenging operating results.

Risk Factors

Commercial Real Estate Stress Heavy CRE concentration (80% of portfolio) led to $248.2M in net charge-offs, primarily concentrated in the D.C. metro office sector.
Heightened Credit Provisioning ACL coverage ratio improved significantly to 2.19% of loans, reflecting management's conservative stance amid ongoing uncertainty in office valuations.
Deposit Outflow Vulnerability $2.3B in uninsured deposits (25% of total) creates heightened risk of rapid deposit migration if market confidence wavers or funding costs rise.
Legal Contingency Exposure $10M provision recorded for ongoing U.S. Attorney investigation, diverting management attention and creating financial uncertainty regarding potential resolution.

Outlook

Accelerated Asset Disposition Strategy focuses on accelerating dispositions of criticized and classified loans to reduce overall asset quality risk exposure in the near term.
Digital Deposit Modernization Bank launched a new digital platform in early 2024 to modernize deposit offerings and better compete for stable funding sources across the U.S.
Conservative Valuation Approach Management will continue conservative valuations for CRE, especially office properties, factoring in market volatility and refinancing risk.
Capital Buffer Maintenance Expect to maintain capital ratios well in excess of regulatory requirements despite recent net losses and the reduction of quarterly dividends to preserve capital.

Peer Comparison

Revenue (TTM)

CUBI stock ticker logoCUBI
$1.41B
+3.9%
EGBN stock ticker logoEGBN
$634.26M
-10.3%
FFIC stock ticker logoFFIC
$489.41M
+19.9%

Gross Margin (Latest Quarter)

THFF stock ticker logoTHFF
96.6%
+26.3pp
FCBC stock ticker logoFCBC
90.9%
+4.8pp
NRIM stock ticker logoNRIM
82.9%
+5.0pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
CUBI$2.26B10.111.2%6.9%
MOFG$1.02B17.410.0%1.6%
MPB$785.80M12.97.4%1.0%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-0.1%
Flat Growth
4Q Net Income CAGR
65.3%
Profitability Improved
Cash Flow Stability
50%
Cash Flow Needs Attention

Deep Research

Next earnings:Apr 21, 2026
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LTM
No Data