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EGBN logoEagle Bancorp, Inc.(EGBN)Earnings, Financials & Key Ratios

EGBN•NASDAQ•Banking & Credit
$26.51
$808M mkt cap·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
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$270M-6.5%
  • Total Revenue$634M-10.4%
  • Net Income-$128M-172.2%
  • Return on Equity-10.82%-187.5%
  • Net Interest Margin2.57%-0.9%
  • Efficiency Ratio30.06%-22.6%
  • ROA-1.18%-186.9%
  • Equity / Assets10.87%-1.3%
  • Book Value per Share37.74-7.2%
  • Tangible BV/Share37.74-7.2%
  • Debt/Equity0.13-74.7%
Technical→

EGBN Key Insights

Eagle Bancorp, Inc. (EGBN) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Efficient operations: 30.1% efficiency ratio
  • ✓Well capitalized: 10.9% equity/assets
  • ✓Trading at only 0.7x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

EGBN Price & Volume

Eagle Bancorp, Inc. (EGBN) stock price & volume — 10-year historical chart

Loading chart...

EGBN Growth Metrics

Eagle Bancorp, Inc. (EGBN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years8.48%
5 Years7.8%
3 Years12.26%
TTM-

Profit CAGR

10 Years-
5 Years-
3 Years-
TTM-172.25%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM-168.26%

Return on Capital

10 Years10.49%
5 Years6.36%
3 Years1.31%
Last Year-2.86%

EGBN Recent Earnings

Eagle Bancorp, Inc. (EGBN) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 5/12 qtrs (45%)●Beat Revenue 10/12 qtrs (91%)
Q2 2026Latest
Apr 22, 2026
EPS
$0.48
Est $0.28
+71.4%
Revenue
$76M
Est $75M
+1.2%
Q2 2026
Mar 9, 2026
EPS
$0.25
Revenue
$162M
Q1 2026
Jan 21, 2026
EPS
$0.25
Est $0.12
+308.3%
Revenue
$80M
Est $74M
+9.4%
Q4 2025
Oct 22, 2025
EPS
$2.22
Est $0.30
-640.0%
Revenue
$71M
Est $70M
+1.1%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 22, 2026
$0.48vs $0.28+71.4%
$76Mvs $75M+1.2%
Q2 2026Mar 9, 2026
$0.25
$162M
Q1 2026Jan 21, 2026
$0.25vs $0.12+308.3%
$80Mvs $74M+9.4%
Q4 2025Oct 22, 2025
$2.22vs $0.30-640.0%
$71Mvs $70M+1.1%
Based on last 12 quarters of dataView full earnings history →

EGBN Peer Comparison

Eagle Bancorp, Inc. (EGBN) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.36B45.2013.5710.36%9.51%0.17
FUNC logoFUNCFirst United CorporationDirect Competitor243.7M37.5111.9116.94%12.52%1.05
BWFG logoBWFGBankwell Financial Group, Inc.Direct Competitor417.32M52.3411.766.13%12.21%0.60
MNSB logoMNSBMainStreet Bancshares, Inc.Direct Competitor175.12M23.3613.27-1.44%7.26%0.32
NFBK logoNFBKNorthfield Bancorp, Inc.Direct Competitor587.44M14.0519.5113.88%5.48%1.08
CARE logoCARECarter Bankshares, Inc.Direct Competitor579.93M26.1718.696.24%7.65%0.43
OFG logoOFGOFG BancorpProduct Competitor1.98B45.9610.244.84%15.21%0.42
FXNC logoFXNCFirst National CorporationProduct Competitor248.63M27.5014.0327.11%9.98%0.23

Compare EGBN vs Peers

Eagle Bancorp, Inc. (EGBN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for EGBN.

Scale Benchmark

vs WAL

Larger-name benchmark to compare EGBN against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, FUNC, BWFG, MNSB

EGBN Income Statement

Eagle Bancorp, Inc. (EGBN) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income283.89M316.99M324.05M321.56M324.51M332.87M290.55M288.69M269.89M
NII Growth %9.96%11.66%2.22%-0.77%0.92%2.57%-12.71%-0.64%-6.51%
Net Interest Margin %3.8%3.78%3.61%2.89%2.74%2.99%2.49%2.59%2.57%
Interest Income324.03M393.29M429.63M389.99M364.5M424.61M625.33M687.56M604.95M
Interest Expense40.15M76.29M105.58M68.42M39.98M91.75M334.78M398.88M335.06M
Loan Loss Provision8.97M8.66M13.09M46.95M-21.94M1.74M31.27M64.23M279.05M
Non-Interest Income29.37M22.59M25.7M45.7M40.38M23.65M21.54M19.94M29.31M
Non-Interest Income %8.31%5.43%5.64%10.49%9.97%5.28%3.33%2.82%4.62%
Total Revenue
353.41M▲ 0%
415.87M▲ 17.7%
455.33M▲ 9.5%
435.68M▼ 4.3%
404.88M▼ 7.1%
448.27M▲ 10.7%
646.86M▲ 44.3%
707.5M▲ 9.4%
634.26M▼ 10.4%
Revenue Growth %12.88%17.68%9.49%-4.31%-7.07%10.72%44.3%9.37%-10.35%
Non-Interest Expense118.55M126.71M139.86M144.16M149.16M165.1M153.29M274.63M190.66M
Efficiency Ratio33.55%30.47%30.72%33.09%36.84%36.83%23.7%38.82%30.06%
Operating Income
185.74M▲ 0%
204.21M▲ 9.9%
196.79M▼ 3.6%
176.15M▼ 10.5%
237.67M▲ 34.9%
189.68M▼ 20.2%
127.52M▼ 32.8%
-30.24M▼ 123.7%
-170.51M▼ 463.9%
Operating Margin %52.56%49.1%43.22%40.43%58.7%42.31%19.71%-4.27%-26.88%
Operating Income Growth %16.74%9.95%-3.63%-10.49%34.93%-20.19%-32.77%-123.71%-463.87%
Pretax Income
185.74M▲ 0%
204.21M▲ 9.9%
196.79M▼ 3.6%
176.15M▼ 10.5%
237.67M▲ 34.9%
189.68M▼ 20.2%
127.52M▼ 32.8%
-30.24M▼ 123.7%
-186.18M▼ 515.7%
Pretax Margin %52.56%49.1%43.22%40.43%58.7%42.31%19.71%-4.27%-29.35%
Income Tax85.5M51.93M53.85M43.93M60.98M48.75M26.99M16.8M-58.13M
Effective Tax Rate %46.04%25.43%27.36%24.94%25.66%25.7%21.16%-55.54%31.22%
Net Income
100.23M▲ 0%
152.28M▲ 51.9%
142.94M▼ 6.1%
132.22M▼ 7.5%
176.69M▲ 33.6%
140.93M▼ 20.2%
100.53M▼ 28.7%
-47.03M▼ 146.8%
-128.05M▼ 172.2%
Net Margin %28.36%36.62%31.39%30.35%43.64%31.44%15.54%-6.65%-20.19%
Net Income Growth %2.58%51.92%-6.13%-7.5%33.64%-20.24%-28.66%-146.79%-172.25%
Net Income (Continuing)100.23M152.28M142.94M132.22M176.69M140.93M100.53M-47.03M-128.05M
EPS (Diluted)
2.92▲ 0%
4.42▲ 51.4%
4.18▼ 5.4%
4.09▼ 2.2%
5.52▲ 35.0%
4.39▼ 20.5%
3.31▼ 24.6%
-1.56▼ 147.1%
-4.21▼ 169.9%
EPS Growth %2.1%51.37%-5.43%-2.15%34.96%-20.47%-24.6%-147.13%-169.87%
EPS (Basic)2.944.444.184.095.534.403.31-1.56-4.21
Diluted Shares Outstanding34.32M34.44M34.21M32.36M32M32.08M30.39M30.16M30.24M

EGBN Balance Sheet

Eagle Bancorp, Inc. (EGBN) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments763.97M1.09B1.05B2.91B4.32B1.88B2.23B1.5B988.46M
Cash & Due from Banks174.71M309.93M202.99M1.76B1.69B277.93M718.94M630.9M11.69M
Short Term Investments589.27M784.14M843.36M1.15B2.62B1.6B1.51B866.12M976.77M
Total Investments6.96B7.72B8.37B8.89B9.66B10.26B10.4B10.03B9.04B
Investments Growth %12.12%10.97%8.38%6.18%8.68%6.2%1.41%-3.64%-9.81%
Long-Term Investments6.37B6.94B7.53B7.74B7.04B8.66B8.9B9.16B8.35B
Accounts Receivables000000000
Goodwill & Intangibles107.21M105.77M104.74M105.11M104.25M104.23M104.92M16K0
Goodwill104.17M104.17M104.17M104.17M104.17M104.17M104.17M104.17M0
Intangible Assets3.04M1.6M571K946K87K65K757K-104.15M0
PP&E (Net)20.99M16.85M41.99M38.79M45.11M38.02M29.32M26.19M41.25M
Other Assets186.22M198.67M237.04M284.55M299.68M374.15M319.85M354.38M1.96B
Total Current Assets763.97M1.09B1.05B2.91B4.32B1.88B2.23B1.5B11.69M
Total Non-Current Assets6.72B7.3B7.94B8.21B7.53B9.27B9.44B9.63B10.49B
Total Assets
7.48B▲ 0%
8.39B▲ 12.2%
8.99B▲ 7.1%
11.12B▲ 23.7%
11.85B▲ 6.6%
11.15B▼ 5.9%
11.66B▲ 4.6%
11.13B▼ 4.6%
10.5B▼ 5.7%
Asset Growth %8.5%12.22%7.15%23.69%6.56%-5.88%4.61%-4.59%-5.68%
Return on Assets (ROA)1.4%1.92%1.65%1.32%1.54%1.23%0.88%-0.41%-1.18%
Accounts Payable000000000
Total Debt618.47M247.71M528.63M622.83M429.09M1.11B1.49B623.08M146.94M
Net Debt443.76M-62.22M325.64M-1.14B-1.26B831.24M774.72M-7.82M135.25M
Long-Term Debt216.91M217.3M217.69M268.08M69.67M69.79M69.92M76.11M81.16M
Short-Term Debt401.56M30.41M280.98M326.73M323.92M1.01B1.4B523.16M35.26M
Other Liabilities56.14M58.2M45.02M64.88M85.91M100.19M88.56M149.29M9.24B
Total Current Liabilities6.26B7B7.51B9.52B10.31B9.72B10.21B9.65B35.26M
Total Non-Current Liabilities273.05M275.5M292.67M360.98M191.08M199.25M181.71M249.21M9.36B
Total Liabilities6.53B7.28B7.8B9.88B10.5B9.92B10.39B9.9B9.36B
Total Equity
950.44M▲ 0%
1.11B▲ 16.7%
1.19B▲ 7.4%
1.24B▲ 4.2%
1.35B▲ 8.9%
1.23B▼ 9.1%
1.27B▲ 3.7%
1.23B▼ 3.8%
1.14B▼ 6.9%
Equity Growth %12.77%16.68%7.37%4.22%8.86%-9.07%3.74%-3.78%-6.91%
Equity / Assets (Capital Ratio)12.71%13.22%13.25%11.16%11.4%11.02%10.92%11.02%10.87%
Return on Equity (ROE)11.18%14.79%12.43%10.88%13.64%10.93%8.03%-3.76%-10.82%
Book Value per Share27.6932.2034.8038.3442.2138.2941.9340.6637.74
Tangible BV per Share24.5729.1331.7435.1038.9535.0438.4740.6637.74
Common Stock340K342K331K315K316K310K296K298K300K
Additional Paid-in Capital520.3M528.38M482.29M427.02M434.64M412.3M374.89M384.93M391.2M
Retained Earnings431.54M584.49M705.11M798.06M930.06M1.02B1.06B982.3M838.94M
Accumulated OCI-1.75M-4.28M2.96M15.5M-14.24M-199.51M-162.36M-141.47M-89.16M
Treasury Stock000000000
Preferred Stock000000000

EGBN Cash Flow Statement

Eagle Bancorp, Inc. (EGBN) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations160.92M165.46M132.68M133.14M238.44M194.9M195.63M123.77M28.5M
Operating CF Growth %37.75%2.82%-19.81%0.34%79.09%-18.26%0.37%-36.73%-76.98%
Net Income100.23M152.28M142.94M132.22M176.69M140.93M100.53M-47.03M-128.05M
Depreciation & Amortization6.88M6.97M6.17M4.7M5.87M3.32M3.48M3.2M330K
Deferred Taxes18.97M-3.5M-61K-8.33M5.77M6.56M-3.38M2.6M0
Other Non-Cash Items39.71M19.3M-20.74M20.11M18.17M50.32M44.21M172.23M215.5M
Working Capital Changes-10.44M-16.09M-3.31M-20.87M24.12M-16.13M40.76M-16.79M-66.33M
Cash from Investing-810.38M-784.8M-637.13M-557.68M-857.92M-927.08M-97.7M310.74M570.43M
Purchase of Investments-202.97M-331.88M-374.65M-739.96M-2.03B-716M000
Sale/Maturity of Investments149M130.14M318.99M426.62M514.96M392.35M213.24M338.61M0
Net Investment Activity-53.97M-201.74M-55.66M-313.34M-1.51B-323.65M213.24M338.61M0
Acquisitions000000000
Other Investing-750.65M-581.58M-578.63M-241.39M661.84M-601.31M-310.87M-27.54M570.43M
Cash from Financing471.76M750.74M424.55M1.97B544.65M-670.19M312.9M-523.71M-536.72M
Dividends Paid00-22.33M-28.33M-44.69M-55.78M-54.99M-45.62M-15.31M
Share Repurchases00-54.9M-61.43M-682K-33.09M-48.03M00
Stock Issued0000000485K-772K
Net Stock Activity00-54.9M-61.43M-682K-33.09M-48.03M485K-772K
Debt Issuance (Net)1000K-1000K1000K1000K-1000K1000K1000K-1000K-1000K
Other Financing146.76M1.08B251.79M1.96B790.02M-1.27B95.44M325.61M2.53M
Net Change in Cash
-177.69M▲ 0%
131.39M▲ 173.9%
-79.89M▼ 160.8%
1.55B▲ 2036.5%
-74.83M▼ 104.8%
-1.4B▼ 1774.0%
410.83M▲ 129.3%
-89.2M▼ 121.7%
-14.87M▲ 83.3%
Exchange Rate Effect00000000-62.21M
Cash at Beginning368.16M190.47M321.86M241.97M1.79B1.71B311.85M722.68M23.56M
Cash at End190.47M321.86M241.97M1.79B1.71B311.85M722.68M633.48M8.69M
Interest Paid39.77M73.81M105.98M70.18M30.99M90.59M376.84M438.22M0
Income Taxes Paid69.2M55.2M54.65M37.4M54.36M23.45M21.54M8.21M0
Free Cash Flow
155.17M▲ 0%
163.97M▲ 5.7%
129.84M▼ 20.8%
130.19M▲ 0.3%
233.15M▲ 79.1%
192.79M▼ 17.3%
195.56M▲ 1.4%
123.44M▼ 36.9%
20.76M▼ 83.2%
FCF Growth %41.84%5.68%-20.81%0.27%79.08%-17.31%1.44%-36.88%-83.18%

EGBN Banking Ratios

Eagle Bancorp, Inc. (EGBN) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)12.36%11.18%14.79%12.43%10.88%13.64%10.93%8.03%-3.76%-10.82%
Return on Assets (ROA)1.51%1.4%1.92%1.65%1.32%1.54%1.23%0.88%-0.41%-1.18%
Net Interest Margin3.75%3.8%3.78%3.61%2.89%2.74%2.99%2.49%2.59%2.57%
Efficiency Ratio36.74%33.55%30.47%30.72%33.09%36.84%36.83%23.7%38.82%30.06%
Equity / Assets12.23%12.71%13.22%13.25%11.16%11.4%11.02%10.92%11.02%10.87%
Book Value / Share24.6627.6932.234.838.3442.2138.2941.9340.6637.74
NII Growth10.35%9.96%11.66%2.22%-0.77%0.92%2.57%-12.71%-0.64%-6.51%
Dividend Payout---15.62%21.43%25.29%39.58%54.7%--

EGBN SEC Filings & Documents

Eagle Bancorp, Inc. (EGBN) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 22, 2026·SEC

Material company update

Mar 18, 2026·SEC

Material company update

Feb 25, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 9, 2026·SEC

FY 2025

Feb 27, 2025·SEC

FY 2024

Feb 29, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 7, 2025·SEC

FY 2025

May 8, 2025·SEC

EGBN Frequently Asked Questions

Eagle Bancorp, Inc. (EGBN) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Eagle Bancorp, Inc. (EGBN) saw revenue decline by 10.4% over the past year.

Eagle Bancorp, Inc. (EGBN) reported a net loss of $128.1M for fiscal year 2025.

Dividend & Returns

Yes, Eagle Bancorp, Inc. (EGBN) pays a dividend with a yield of 1.91%. This makes it attractive for income-focused investors.

Eagle Bancorp, Inc. (EGBN) has a return on equity (ROE) of -10.8%. 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 30.1%. This is excellent, indicating strong cost control.

Explore More EGBN

Eagle Bancorp, Inc. (EGBN) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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