Eagle Bancorp, Inc. (EGBN) 10-Year Financial Performance & Capital Metrics

EGBN • • Banking & Credit

Financial ServicesRegional BanksCommercial & Business BankingCommercial & Corporate Banking

AboutEagle 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; and other 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. The company serves sole proprietors, small and medium-sized businesses, partnerships, corporations, non-profit organizations and associations, and individuals, as well as investors. As of December 31, 2021, it operated seventeen banking offices comprising 6 in Suburban Maryland, 5 in the District of Columbia, and 6 in Northern Virginia. Eagle Bancorp, Inc. was incorporated in 1997 and is headquartered in Bethesda, Maryland.Show more

Net Interest Income $289M -0.6%
Total Revenue $708M +9.4%
Net Income -$47M -146.8%
Return on Equity -3.76% -146.8%
Net Interest Margin 2.59% +4.1%
Efficiency Ratio 38.82% +63.8%
ROA -0.41% -146.8%
Equity / Assets 11.02% +0.8%
Book Value per Share 40.66 -3.0%
Tangible BV/Share 40.66 +5.7%
Debt/Equity 0.51 -56.6%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 38.8% efficiency ratio
✓Well capitalized: 11.0% equity/assets
✓Trading at only 0.6x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y12.92%

5Y9.21%

3Y20.45%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM15.16%

EPS CAGR

10Y-

5Y-

3Y-

TTM15.38%

ROCE

10Y Avg12.45%

5Y Avg9.22%

3Y Avg6.52%

Latest-2.06%

Peer Comparison

Commercial & Corporate Banking

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TCBITexas Capital Bancshares, Inc.	4.49B	98.37	76.85	-1.72%	4.4%	7.92%	9.27%	0.46
BANCBanc of California, Inc.	3.15B	20.87	40.13	24.65%	6.78%	6.01%	2.04%	0.67
DBDeutsche Bank AG	74.26B	38.87	28.37	11.78%	5.07%	7.18%		1.91
HTHHilltop Holdings Inc.	2.2B	35.83	20.59	2.5%	7.35%	7.2%	12.14%	0.61
SFBSServisFirst Bancshares, Inc.	4.28B	78.31	18.82	17.89%	23.26%	14.33%	5.8%	1.27
CMAComerica Incorporated	11.69B	91.51	18.23	-4.95%	13.98%	10.57%	3.83%	1.02
BOKFBOK Financial Corporation	8.08B	127.69	15.69	10.4%	15.57%	8.91%	15.59%	0.80
CNOBConnectOne Bancorp, Inc.	1.37B	27.26	15.49	6.06%	13.8%	3.98%	4.15%	0.63

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	233.94M	258.17M	283.89M	316.99M	324.05M	321.56M	324.51M	332.87M	290.55M	288.69M
NII Growth %	0.31%	0.1%	0.1%	0.12%	0.02%	-0.01%	0.01%	0.03%	-0.13%	-0.01%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	253.18M	285.81M	324.03M	393.29M	429.63M	389.99M	364.5M	424.61M	625.33M	687.56M
Interest Expense	19.24M	27.64M	40.15M	76.29M	105.58M	68.42M	39.98M	91.75M	334.78M	398.88M
Loan Loss Provision	14.64M	11.33M	8.97M	8.66M	13.09M	46.95M	-21.94M	1.74M	31.27M	64.23M
Non-Interest Income+	27.76M	27.28M	29.37M	22.59M	25.7M	45.7M	40.38M	23.65M	21.54M	19.94M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	280.94M	313.09M	353.41M	415.87M	455.33M	435.68M	404.88M	448.27M	646.86M	707.5M
Revenue Growth %	0.34%	0.11%	0.13%	0.18%	0.09%	-0.04%	-0.07%	0.11%	0.44%	0.09%
Non-Interest Expense	111.85M	115.02M	118.55M	126.71M	139.86M	144.16M	149.16M	165.1M	153.29M	274.63M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	135.22M	159.1M	185.74M	204.21M	196.79M	176.15M	237.67M	189.68M	127.52M	-30.24M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.57%	0.18%	0.17%	0.1%	-0.04%	-0.1%	0.35%	-0.2%	-0.33%	-1.24%
Pretax Income+	135.22M	159.1M	185.74M	204.21M	196.79M	176.15M	237.67M	189.68M	127.52M	-30.24M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	51.05M	61.4M	85.5M	51.93M	53.85M	43.93M	60.98M	48.75M	26.99M	16.8M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	84.17M	97.71M	100.23M	152.28M	142.94M	132.22M	176.69M	140.93M	100.53M	-47.03M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.55%	0.16%	0.03%	0.52%	-0.06%	-0.08%	0.34%	-0.2%	-0.29%	-1.47%
Net Income (Continuing)	84.17M	97.71M	100.23M	152.28M	142.94M	132.22M	176.69M	140.93M	100.53M	-47.03M
EPS (Diluted)+	2.50	2.86	2.92	4.42	4.18	4.09	5.52	4.39	3.31	-1.56
EPS Growth %	0.28%	0.14%	0.02%	0.51%	-0.05%	-0.02%	0.35%	-0.2%	-0.25%	-1.47%
EPS (Basic)	2.54	2.91	2.94	4.44	4.18	4.09	5.53	4.40	3.31	-1.56
Diluted Shares Outstanding	33.48M	34.18M	34.32M	34.44M	34.21M	32.36M	32M	32.08M	30.39M	30.16M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	294.57M	365.77M	174.71M	309.93M	202.99M	1.76B	1.69B	277.93M	718.94M	630.9M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	5.48B	6.21B	6.96B	7.72B	8.37B	8.89B	9.66B	10.26B	10.4B	10.03B
Investments Growth %	0.17%	0.13%	0.12%	0.11%	0.08%	0.06%	0.09%	0.06%	0.01%	-0.04%
Long-Term Investments	4.99B	5.67B	6.37B	6.94B	7.53B	7.74B	7.04B	8.66B	8.9B	9.16B
Accounts Receivables	0	0	0	0	0	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	104.17M	104.17M	104.17M	104.17M	104.17M	104.17M	104.17M	104.17M	104.17M	104.17M
Intangible Assets	4.37M	3.25M	3.04M	1.6M	571K	946K	87K	65K	757K	-104.15M
PP&E (Net)	18.25M	20.66M	20.99M	16.85M	41.99M	38.79M	45.11M	38.02M	29.32M	26.19M
Other Assets	132.86M	139.47M	186.22M	198.67M	237.04M	284.55M	299.68M	374.15M	319.85M	354.38M
Total Current Assets	782.44M	903.87M	763.97M	1.09B	1.05B	2.91B	4.32B	1.88B	2.23B	1.5B
Total Non-Current Assets	5.29B	5.99B	6.72B	7.3B	7.94B	8.21B	7.53B	9.27B	9.44B	9.63B
Total Assets+	6.08B	6.89B	7.48B	8.39B	8.99B	11.12B	11.85B	11.15B	11.66B	11.13B
Asset Growth %	0.16%	0.13%	0.09%	0.12%	0.07%	0.24%	0.07%	-0.06%	0.05%	-0.05%
Return on Assets (ROA)	0.01%	0.02%	0.01%	0.02%	0.02%	0.01%	0.02%	0.01%	0.01%	-0%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	141.28M	285.39M	618.47M	247.71M	528.63M	622.83M	429.09M	1.11B	1.49B	623.08M
Net Debt	-153.29M	-80.38M	443.76M	-62.22M	325.64M	-1.14B	-1.26B	831.24M	774.72M	-7.82M
Long-Term Debt	68.93M	216.51M	216.91M	217.3M	217.69M	268.08M	69.67M	69.79M	69.92M	76.11M
Short-Term Debt	72.36M	68.88M	401.56M	30.41M	280.98M	326.73M	323.92M	1.01B	1.4B	523.16M
Other Liabilities	37.25M	45.79M	56.14M	58.2M	45.02M	64.88M	85.91M	100.19M	88.56M	149.29M
Total Current Liabilities	5.23B	5.78B	6.26B	7B	7.51B	9.52B	10.31B	9.72B	10.21B	9.65B
Total Non-Current Liabilities	106.18M	262.31M	273.05M	275.5M	292.67M	360.98M	191.08M	199.25M	181.71M	249.21M
Total Liabilities	5.34B	6.05B	6.53B	7.28B	7.8B	9.88B	10.5B	9.92B	10.39B	9.9B
Total Equity+	738.6M	842.8M	950.44M	1.11B	1.19B	1.24B	1.35B	1.23B	1.27B	1.23B
Equity Growth %	0.19%	0.14%	0.13%	0.17%	0.07%	0.04%	0.09%	-0.09%	0.04%	-0.04%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.12%	0.12%	0.11%	0.15%	0.12%	0.11%	0.14%	0.11%	0.08%	-0.04%
Book Value per Share	22.06	24.66	27.69	32.20	34.80	38.34	42.21	38.29	41.93	40.66
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	331K	338K	340K	342K	331K	315K	316K	310K	296K	298K
Additional Paid-in Capital	503.53M	513.53M	520.3M	528.38M	482.29M	427.02M	434.64M	412.3M	374.89M	384.93M
Retained Earnings	233.6M	331.31M	431.54M	584.49M	705.11M	798.06M	930.06M	1.02B	1.06B	982.3M
Accumulated OCI	191K	-2.38M	-1.75M	-4.28M	2.96M	15.5M	-14.24M	-199.51M	-162.36M	-141.47M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	98.59M	116.82M	160.92M	165.46M	132.68M	133.14M	238.44M	194.9M	195.63M	123.77M
Operating CF Growth %	0.66%	0.18%	0.38%	0.03%	-0.2%	0%	0.79%	-0.18%	0%	-0.37%
Net Income	84.17M	97.71M	100.23M	152.28M	142.94M	132.22M	176.69M	140.93M	100.53M	-47.03M
Depreciation & Amortization	7.78M	6.23M	6.88M	6.97M	6.17M	4.7M	5.87M	3.32M	3.48M	3.2M
Deferred Taxes	-6.73M	-5.63M	18.97M	-3.5M	-61K	-8.33M	5.77M	6.56M	-3.38M	2.6M
Other Non-Cash Items	12.3M	9.64M	39.71M	19.3M	-20.74M	20.11M	18.17M	50.32M	44.21M	172.23M
Working Capital Changes	-4M	1.97M	-10.44M	-16.09M	-3.31M	-20.87M	24.12M	-16.13M	40.76M	-16.79M
Cash from Investing+	-796.92M	-750.95M	-810.38M	-784.8M	-637.13M	-557.68M	-857.92M	-927.08M	-97.7M	310.74M
Purchase of Investments	-274.9M	-236.99M	-202.97M	-331.88M	-374.65M	-739.96M	-2.03B	-716M	0	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0	0
Other Investing	-683.02M	-685.1M	-750.65M	-581.58M	-578.63M	-241.39M	661.84M	-601.31M	-310.87M	-27.54M
Cash from Financing+	740.67M	703.93M	471.76M	750.74M	424.55M	1.97B	544.65M	-670.19M	312.9M	-523.71M
Dividends Paid	-600K	0	0	0	-22.33M	-28.33M	-44.69M	-55.78M	-54.99M	-45.62M
Share Repurchases	-4K	0	0	0	-54.9M	-61.43M	-682K	-33.09M	-48.03M	0
Stock Issued	94.63M	0	0	0	0	0	0	0	0	485K
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	1000K	1000K	-1000K	1000K	1000K	-1000K	1000K	1000K	-1000K
Other Financing	867.84M	556.35M	146.76M	1.08B	251.79M	1.96B	790.02M	-1.27B	95.44M	325.61M
Net Change in Cash+	42.34M	69.8M	-177.69M	131.39M	-79.89M	1.55B	-74.83M	-1.4B	410.83M	-89.2M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	256.02M	298.36M	368.16M	190.47M	321.86M	241.97M	1.79B	1.71B	311.85M	722.68M
Cash at End	298.36M	368.16M	190.47M	321.86M	241.97M	1.79B	1.71B	311.85M	722.68M	633.48M
Interest Paid	19.59M	24.03M	39.77M	73.81M	105.98M	70.18M	30.99M	90.59M	376.84M	438.22M
Income Taxes Paid	52.65M	66.15M	69.2M	55.2M	54.65M	37.4M	54.36M	23.45M	21.54M	8.21M
Free Cash Flow+	93.93M	109.39M	155.17M	163.97M	129.84M	130.19M	233.15M	192.79M	195.56M	123.44M
FCF Growth %	0.73%	0.16%	0.42%	0.06%	-0.21%	0%	0.79%	-0.17%	0.01%	-0.37%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	12.38%	12.36%	11.18%	14.79%	12.43%	10.88%	13.64%	10.93%	8.03%	-3.76%
Return on Assets (ROA)	1.49%	1.51%	1.4%	1.92%	1.65%	1.32%	1.54%	1.23%	0.88%	-0.41%
Net Interest Margin	3.85%	3.75%	3.8%	3.78%	3.61%	2.89%	2.74%	2.99%	2.49%	2.59%
Efficiency Ratio	39.81%	36.74%	33.55%	30.47%	30.72%	33.09%	36.84%	36.83%	23.7%	38.82%
Equity / Assets	12.15%	12.23%	12.71%	13.22%	13.25%	11.16%	11.4%	11.02%	10.92%	11.02%
Book Value / Share	22.06	24.66	27.69	32.2	34.8	38.34	42.21	38.29	41.93	40.66
NII Growth	31.08%	10.35%	9.96%	11.66%	2.22%	-0.77%	0.92%	2.57%	-12.71%	-0.64%
Dividend Payout	-	-	-	-	15.62%	21.43%	25.29%	39.58%	54.7%	-

Frequently Asked Questions

Growth & Financials

Eagle Bancorp, Inc. (EGBN) grew revenue by 9.4% over the past year. This is steady growth.

Eagle Bancorp, Inc. (EGBN) reported a net loss of $31.0M for fiscal year 2024.

Dividend & Returns

Yes, Eagle Bancorp, Inc. (EGBN) pays a dividend with a yield of 6.66%. This makes it attractive for income-focused investors.

Eagle Bancorp, Inc. (EGBN) has a return on equity (ROE) of -3.8%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Eagle Bancorp, Inc. (EGBN) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.

Eagle Bancorp, Inc. (EGBN) has an efficiency ratio of 38.8%. This is excellent, indicating strong cost control.

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Eagle Bancorp, Inc. (EGBN) 10-Year Financial Performance & Capital Metrics

EGBN • • Banking & Credit

Financial ServicesRegional BanksCommercial & Business BankingCommercial & Corporate Banking

Net Interest Income $289M -0.6%
Total Revenue $708M +9.4%
Net Income -$47M -146.8%
Return on Equity -3.76% -146.8%
Net Interest Margin 2.59% +4.1%
Efficiency Ratio 38.82% +63.8%
ROA -0.41% -146.8%
Equity / Assets 11.02% +0.8%
Book Value per Share 40.66 -3.0%
Tangible BV/Share 40.66 +5.7%
Debt/Equity 0.51 -56.6%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 38.8% efficiency ratio
✓Well capitalized: 11.0% equity/assets
✓Trading at only 0.6x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y12.92%

5Y9.21%

3Y20.45%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM15.16%

EPS CAGR

10Y-

5Y-

3Y-

TTM15.38%

ROCE

10Y Avg12.45%

5Y Avg9.22%

3Y Avg6.52%

Latest-2.06%

Peer Comparison

Commercial & Corporate Banking

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TCBITexas Capital Bancshares, Inc.	4.49B	98.37	76.85	-1.72%	4.4%	7.92%	9.27%	0.46
BANCBanc of California, Inc.	3.15B	20.87	40.13	24.65%	6.78%	6.01%	2.04%	0.67
DBDeutsche Bank AG	74.26B	38.87	28.37	11.78%	5.07%	7.18%		1.91
HTHHilltop Holdings Inc.	2.2B	35.83	20.59	2.5%	7.35%	7.2%	12.14%	0.61
SFBSServisFirst Bancshares, Inc.	4.28B	78.31	18.82	17.89%	23.26%	14.33%	5.8%	1.27
CMAComerica Incorporated	11.69B	91.51	18.23	-4.95%	13.98%	10.57%	3.83%	1.02
BOKFBOK Financial Corporation	8.08B	127.69	15.69	10.4%	15.57%	8.91%	15.59%	0.80
CNOBConnectOne Bancorp, Inc.	1.37B	27.26	15.49	6.06%	13.8%	3.98%	4.15%	0.63

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	233.94M	258.17M	283.89M	316.99M	324.05M	321.56M	324.51M	332.87M	290.55M	288.69M
NII Growth %	0.31%	0.1%	0.1%	0.12%	0.02%	-0.01%	0.01%	0.03%	-0.13%	-0.01%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	253.18M	285.81M	324.03M	393.29M	429.63M	389.99M	364.5M	424.61M	625.33M	687.56M
Interest Expense	19.24M	27.64M	40.15M	76.29M	105.58M	68.42M	39.98M	91.75M	334.78M	398.88M
Loan Loss Provision	14.64M	11.33M	8.97M	8.66M	13.09M	46.95M	-21.94M	1.74M	31.27M	64.23M
Non-Interest Income+	27.76M	27.28M	29.37M	22.59M	25.7M	45.7M	40.38M	23.65M	21.54M	19.94M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	280.94M	313.09M	353.41M	415.87M	455.33M	435.68M	404.88M	448.27M	646.86M	707.5M
Revenue Growth %	0.34%	0.11%	0.13%	0.18%	0.09%	-0.04%	-0.07%	0.11%	0.44%	0.09%
Non-Interest Expense	111.85M	115.02M	118.55M	126.71M	139.86M	144.16M	149.16M	165.1M	153.29M	274.63M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	135.22M	159.1M	185.74M	204.21M	196.79M	176.15M	237.67M	189.68M	127.52M	-30.24M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.57%	0.18%	0.17%	0.1%	-0.04%	-0.1%	0.35%	-0.2%	-0.33%	-1.24%
Pretax Income+	135.22M	159.1M	185.74M	204.21M	196.79M	176.15M	237.67M	189.68M	127.52M	-30.24M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	51.05M	61.4M	85.5M	51.93M	53.85M	43.93M	60.98M	48.75M	26.99M	16.8M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	84.17M	97.71M	100.23M	152.28M	142.94M	132.22M	176.69M	140.93M	100.53M	-47.03M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.55%	0.16%	0.03%	0.52%	-0.06%	-0.08%	0.34%	-0.2%	-0.29%	-1.47%
Net Income (Continuing)	84.17M	97.71M	100.23M	152.28M	142.94M	132.22M	176.69M	140.93M	100.53M	-47.03M
EPS (Diluted)+	2.50	2.86	2.92	4.42	4.18	4.09	5.52	4.39	3.31	-1.56
EPS Growth %	0.28%	0.14%	0.02%	0.51%	-0.05%	-0.02%	0.35%	-0.2%	-0.25%	-1.47%
EPS (Basic)	2.54	2.91	2.94	4.44	4.18	4.09	5.53	4.40	3.31	-1.56
Diluted Shares Outstanding	33.48M	34.18M	34.32M	34.44M	34.21M	32.36M	32M	32.08M	30.39M	30.16M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	294.57M	365.77M	174.71M	309.93M	202.99M	1.76B	1.69B	277.93M	718.94M	630.9M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	5.48B	6.21B	6.96B	7.72B	8.37B	8.89B	9.66B	10.26B	10.4B	10.03B
Investments Growth %	0.17%	0.13%	0.12%	0.11%	0.08%	0.06%	0.09%	0.06%	0.01%	-0.04%
Long-Term Investments	4.99B	5.67B	6.37B	6.94B	7.53B	7.74B	7.04B	8.66B	8.9B	9.16B
Accounts Receivables	0	0	0	0	0	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	104.17M	104.17M	104.17M	104.17M	104.17M	104.17M	104.17M	104.17M	104.17M	104.17M
Intangible Assets	4.37M	3.25M	3.04M	1.6M	571K	946K	87K	65K	757K	-104.15M
PP&E (Net)	18.25M	20.66M	20.99M	16.85M	41.99M	38.79M	45.11M	38.02M	29.32M	26.19M
Other Assets	132.86M	139.47M	186.22M	198.67M	237.04M	284.55M	299.68M	374.15M	319.85M	354.38M
Total Current Assets	782.44M	903.87M	763.97M	1.09B	1.05B	2.91B	4.32B	1.88B	2.23B	1.5B
Total Non-Current Assets	5.29B	5.99B	6.72B	7.3B	7.94B	8.21B	7.53B	9.27B	9.44B	9.63B
Total Assets+	6.08B	6.89B	7.48B	8.39B	8.99B	11.12B	11.85B	11.15B	11.66B	11.13B
Asset Growth %	0.16%	0.13%	0.09%	0.12%	0.07%	0.24%	0.07%	-0.06%	0.05%	-0.05%
Return on Assets (ROA)	0.01%	0.02%	0.01%	0.02%	0.02%	0.01%	0.02%	0.01%	0.01%	-0%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	141.28M	285.39M	618.47M	247.71M	528.63M	622.83M	429.09M	1.11B	1.49B	623.08M
Net Debt	-153.29M	-80.38M	443.76M	-62.22M	325.64M	-1.14B	-1.26B	831.24M	774.72M	-7.82M
Long-Term Debt	68.93M	216.51M	216.91M	217.3M	217.69M	268.08M	69.67M	69.79M	69.92M	76.11M
Short-Term Debt	72.36M	68.88M	401.56M	30.41M	280.98M	326.73M	323.92M	1.01B	1.4B	523.16M
Other Liabilities	37.25M	45.79M	56.14M	58.2M	45.02M	64.88M	85.91M	100.19M	88.56M	149.29M
Total Current Liabilities	5.23B	5.78B	6.26B	7B	7.51B	9.52B	10.31B	9.72B	10.21B	9.65B
Total Non-Current Liabilities	106.18M	262.31M	273.05M	275.5M	292.67M	360.98M	191.08M	199.25M	181.71M	249.21M
Total Liabilities	5.34B	6.05B	6.53B	7.28B	7.8B	9.88B	10.5B	9.92B	10.39B	9.9B
Total Equity+	738.6M	842.8M	950.44M	1.11B	1.19B	1.24B	1.35B	1.23B	1.27B	1.23B
Equity Growth %	0.19%	0.14%	0.13%	0.17%	0.07%	0.04%	0.09%	-0.09%	0.04%	-0.04%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.12%	0.12%	0.11%	0.15%	0.12%	0.11%	0.14%	0.11%	0.08%	-0.04%
Book Value per Share	22.06	24.66	27.69	32.20	34.80	38.34	42.21	38.29	41.93	40.66
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	331K	338K	340K	342K	331K	315K	316K	310K	296K	298K
Additional Paid-in Capital	503.53M	513.53M	520.3M	528.38M	482.29M	427.02M	434.64M	412.3M	374.89M	384.93M
Retained Earnings	233.6M	331.31M	431.54M	584.49M	705.11M	798.06M	930.06M	1.02B	1.06B	982.3M
Accumulated OCI	191K	-2.38M	-1.75M	-4.28M	2.96M	15.5M	-14.24M	-199.51M	-162.36M	-141.47M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	98.59M	116.82M	160.92M	165.46M	132.68M	133.14M	238.44M	194.9M	195.63M	123.77M
Operating CF Growth %	0.66%	0.18%	0.38%	0.03%	-0.2%	0%	0.79%	-0.18%	0%	-0.37%
Net Income	84.17M	97.71M	100.23M	152.28M	142.94M	132.22M	176.69M	140.93M	100.53M	-47.03M
Depreciation & Amortization	7.78M	6.23M	6.88M	6.97M	6.17M	4.7M	5.87M	3.32M	3.48M	3.2M
Deferred Taxes	-6.73M	-5.63M	18.97M	-3.5M	-61K	-8.33M	5.77M	6.56M	-3.38M	2.6M
Other Non-Cash Items	12.3M	9.64M	39.71M	19.3M	-20.74M	20.11M	18.17M	50.32M	44.21M	172.23M
Working Capital Changes	-4M	1.97M	-10.44M	-16.09M	-3.31M	-20.87M	24.12M	-16.13M	40.76M	-16.79M
Cash from Investing+	-796.92M	-750.95M	-810.38M	-784.8M	-637.13M	-557.68M	-857.92M	-927.08M	-97.7M	310.74M
Purchase of Investments	-274.9M	-236.99M	-202.97M	-331.88M	-374.65M	-739.96M	-2.03B	-716M	0	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0	0
Other Investing	-683.02M	-685.1M	-750.65M	-581.58M	-578.63M	-241.39M	661.84M	-601.31M	-310.87M	-27.54M
Cash from Financing+	740.67M	703.93M	471.76M	750.74M	424.55M	1.97B	544.65M	-670.19M	312.9M	-523.71M
Dividends Paid	-600K	0	0	0	-22.33M	-28.33M	-44.69M	-55.78M	-54.99M	-45.62M
Share Repurchases	-4K	0	0	0	-54.9M	-61.43M	-682K	-33.09M	-48.03M	0
Stock Issued	94.63M	0	0	0	0	0	0	0	0	485K
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	1000K	1000K	-1000K	1000K	1000K	-1000K	1000K	1000K	-1000K
Other Financing	867.84M	556.35M	146.76M	1.08B	251.79M	1.96B	790.02M	-1.27B	95.44M	325.61M
Net Change in Cash+	42.34M	69.8M	-177.69M	131.39M	-79.89M	1.55B	-74.83M	-1.4B	410.83M	-89.2M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	256.02M	298.36M	368.16M	190.47M	321.86M	241.97M	1.79B	1.71B	311.85M	722.68M
Cash at End	298.36M	368.16M	190.47M	321.86M	241.97M	1.79B	1.71B	311.85M	722.68M	633.48M
Interest Paid	19.59M	24.03M	39.77M	73.81M	105.98M	70.18M	30.99M	90.59M	376.84M	438.22M
Income Taxes Paid	52.65M	66.15M	69.2M	55.2M	54.65M	37.4M	54.36M	23.45M	21.54M	8.21M
Free Cash Flow+	93.93M	109.39M	155.17M	163.97M	129.84M	130.19M	233.15M	192.79M	195.56M	123.44M
FCF Growth %	0.73%	0.16%	0.42%	0.06%	-0.21%	0%	0.79%	-0.17%	0.01%	-0.37%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	12.38%	12.36%	11.18%	14.79%	12.43%	10.88%	13.64%	10.93%	8.03%	-3.76%
Return on Assets (ROA)	1.49%	1.51%	1.4%	1.92%	1.65%	1.32%	1.54%	1.23%	0.88%	-0.41%
Net Interest Margin	3.85%	3.75%	3.8%	3.78%	3.61%	2.89%	2.74%	2.99%	2.49%	2.59%
Efficiency Ratio	39.81%	36.74%	33.55%	30.47%	30.72%	33.09%	36.84%	36.83%	23.7%	38.82%
Equity / Assets	12.15%	12.23%	12.71%	13.22%	13.25%	11.16%	11.4%	11.02%	10.92%	11.02%
Book Value / Share	22.06	24.66	27.69	32.2	34.8	38.34	42.21	38.29	41.93	40.66
NII Growth	31.08%	10.35%	9.96%	11.66%	2.22%	-0.77%	0.92%	2.57%	-12.71%	-0.64%
Dividend Payout	-	-	-	-	15.62%	21.43%	25.29%	39.58%	54.7%	-

Frequently Asked Questions

Growth & Financials

Eagle Bancorp, Inc. (EGBN) grew revenue by 9.4% over the past year. This is steady growth.

Eagle Bancorp, Inc. (EGBN) reported a net loss of $31.0M for fiscal year 2024.

Dividend & Returns

Yes, Eagle Bancorp, Inc. (EGBN) pays a dividend with a yield of 6.66%. This makes it attractive for income-focused investors.

Eagle Bancorp, Inc. (EGBN) has a return on equity (ROE) of -3.8%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Eagle Bancorp, Inc. (EGBN) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.

Eagle Bancorp, Inc. (EGBN) has an efficiency ratio of 38.8%. This is excellent, indicating strong cost control.