Eagle Bancorp (EGBN) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Eagle Bancorp

NasdaqCM•Financial Services•Banks - Regional

$28.18+0.42(0.02%)Market closed

Market Cap

$863.62M

P/S

1.4x

P/B

0.8x

Eagle Bancorp, Inc. operates as the bank holding company for EagleBank that provides commercial and consumer banking services primarily in the United States. The provide deposit services including business and personal checking 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. It 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; and personal credit cards. In addition, the company provides online and mobile banking services; insurance products and services through a referral program; and treasury management services. The company serves sole proprietors, small, medium, and middle-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.

How this company scores

WeakMetricSide Score: 42/100

Grade capped at D — Interest coverage below 1× (0.1x) — earnings cannot cover interest. Strongest: Balance Sheet & Red Flags (16/25); weakest: Growth (4/25).

Profitability8/25

Growth4/25

Balance Sheet & Red Flags16/25

Cash & Earnings Quality14/25

Strengths

Long cash runwayLow leverageCash-backed earningsNet cash position

Grade capped at D

Interest coverage below 1× (0.1x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 9.0x5y range 5.0x – 10.6x

Currently near its 11-quarter median.

P/S · 1.4x5y range 0.8x – 4.7x

Currently near its 20-quarter median.

P/B · 0.8x5y range 0.5x – 1.4x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $863.62M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $595.79M
Q. Revenue: $137.34M
TTM EBITDA: $-63.24M
TTM Op. Income: $-65.75M
Q. Op. Income: $7.63M
TTM Net Income: $-48.32M
Q. Net Income: $6.92M
EPS: $0.23
Shares Out.: $30.50M

$595.79M in TTM revenue declined 11.5% YoY, reaching $137.34M last quarter. TTM EBITDA of $-63.24M and TTM operating income of $-65.75M show growth is flowing through to the bottom line. However, net income is negative at $48.32M — growth is not yet reaching the bottom line. Across the last 8 quarters, TTM revenue has fallen for 6 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 53.2%
EBITDA Margin: 6.0%
Op. Margin: 5.6%
Net Margin: 5.0%

Op. margin of 5.6% is up 74.7% YoY — cost efficiency is improving. Net margin at 5.0% and gross margin of 53.2% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 108% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: N/A
P/S Ratio: 1.4x
P/B Ratio: 0.8x

P/S of 1.4x and P/B of 0.8x. P/S is low relative to typical market levels.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $9.66B
Cash: $625.74M
Long-Term Debt: $76.59M
Book Value: $1.15B
D/E Ratio: 0.1
Debt/EBITDA: 9.4

With $9.66B in assets and $76.59M in long-term debt, D/E is 0.1and book value is $1.15B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 3 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $32.38M
TTM Free Cash Flow: $52.87M
FCF Margin: 8.9%
FCF / Net Income: -1.1

TTM FCF of $52.87M on $32.38M in operating cash flow. The FCF / Net Income ratio of -1.1x means the business consumes cash — it is not yet self-funding. Over the past year, free cash flow is down 33% — an improving trend.