Latest Ratios: P/E Ratio 19.4x · EV/EBITDA 6.7x · ROE -10.8%. (1998–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.0B | $648M | $785M | $916M | $1.4B | $1.9B | $1.3B | $1.7B | $1.7B | $2.0B | $2.1B |
| Enterprise Value | $447M | $64M | $777M | $1.7B | $2.2B | $602M | $199M | $2.0B | $1.6B | $2.4B | $2.0B |
| P/E Ratio → | 19.38 | — | — | 9.11 | 10.04 | 10.57 | 10.10 | 11.63 | 11.02 | 19.83 | 21.31 |
| P/S Ratio | 3.43 | 2.17 | 2.54 | 2.94 | 3.97 | 5.12 | 3.64 | 4.76 | 4.94 | 6.34 | 7.30 |
| P/B Ratio | 0.90 | 0.57 | 0.64 | 0.72 | 1.15 | 1.38 | 1.08 | 1.40 | 1.51 | 2.09 | 2.47 |
| P/FCF | 10.89 | 31.20 | 6.36 | 4.68 | 7.33 | 8.01 | 10.27 | 12.81 | 10.23 | 12.81 | 19.04 |
| P/OCF | 36.18 | 22.73 | 6.34 | 4.68 | 7.25 | 7.83 | 10.04 | 12.54 | 10.14 | 12.35 | 17.83 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.21 | 2.52 | 5.42 | 6.30 | 1.65 | 0.54 | 5.69 | 4.76 | 7.76 | 7.02 |
| EV / EBITDA | 6.66 | — | — | 12.91 | 11.63 | 2.47 | 1.10 | 9.80 | 7.65 | 12.62 | 12.12 |
| EV / EBIT | — | — | — | 13.26 | 11.84 | 2.53 | 1.13 | 10.11 | 7.91 | 13.09 | 12.59 |
| EV / FCF | — | 3.07 | 6.30 | 8.65 | 11.64 | 2.58 | 1.52 | 15.32 | 9.85 | 15.67 | 18.31 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 6.7% | 6.7% | 79.2% | 90.0% | 99.5% | 106.0% | 87.2% | 96.3% | 97.4% | 97.1% | 96.0% |
| Operating Margin | -57.0% | -57.0% | -9.8% | 40.9% | 53.2% | 65.1% | 48.0% | 56.3% | 60.1% | 59.3% | 55.7% |
| Net Profit Margin | -42.8% | -42.8% | -15.2% | 32.2% | 39.5% | 48.4% | 36.0% | 40.9% | 44.8% | 32.0% | 34.2% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -10.8% | -10.8% | -3.8% | 8.0% | 10.9% | 13.6% | 10.9% | 12.4% | 14.8% | 11.2% | 12.4% |
| ROA | -1.2% | -1.2% | -0.4% | 0.9% | 1.2% | 1.5% | 1.3% | 1.6% | 1.9% | 1.4% | 1.5% |
| ROIC | -8.2% | -8.2% | -1.0% | 3.7% | 6.9% | 9.8% | 7.4% | 9.6% | 10.5% | 10.3% | 11.9% |
| ROCE | -2.8% | -2.8% | -2.1% | 8.8% | 12.8% | 15.1% | 11.4% | 13.7% | 15.7% | 16.0% | 16.3% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.10 | 0.10 | 0.51 | 1.17 | 0.90 | 0.32 | 0.50 | 0.44 | 0.22 | 0.65 | 0.34 |
| Debt / EBITDA | — | — | — | 11.40 | 5.75 | 1.76 | 3.44 | 2.60 | 1.17 | 3.21 | 1.73 |
| Net Debt / Equity | — | -0.51 | -0.01 | 0.61 | 0.68 | -0.94 | -0.92 | 0.27 | -0.06 | 0.47 | -0.10 |
| Net Debt / EBITDA | — | — | — | 5.91 | 4.31 | -5.19 | -6.29 | 1.60 | -0.29 | 2.30 | -0.49 |
| Debt / FCF | — | -28.13 | -0.06 | 3.96 | 4.31 | -5.42 | -8.74 | 2.51 | -0.38 | 2.86 | -0.73 |
| Interest Coverage | -0.51 | -0.51 | -0.08 | 0.38 | 2.07 | 5.94 | 2.57 | 1.86 | 2.68 | 4.63 | 5.76 |
Net cash position: cash ($696M) exceeds total debt ($112M)
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 293.43 | 293.43 | 0.16 | 0.22 | 0.19 | 0.42 | 0.31 | 0.14 | 0.16 | 0.12 | 0.16 |
| Quick Ratio | 293.43 | 293.43 | 0.16 | 0.22 | 0.19 | 0.42 | 0.31 | 0.14 | 0.16 | 0.12 | 0.16 |
| Cash Ratio | 147.14 | 147.14 | 0.07 | 0.07 | 0.03 | 0.16 | 0.19 | 0.03 | 0.04 | 0.03 | 0.06 |
| Asset Turnover | — | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.5% | 2.4% | 5.8% | 6.0% | 3.9% | 2.4% | 2.1% | 1.3% | — | — | — |
| Payout Ratio | — | — | — | 54.7% | 39.6% | 25.3% | 21.4% | 15.6% | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 5.2% | — | — | 11.0% | 10.0% | 9.5% | 9.9% | 8.6% | 9.1% | 5.0% | 4.7% |
| FCF Yield | 9.2% | 3.2% | 15.7% | 21.3% | 13.6% | 12.5% | 9.7% | 7.8% | 9.8% | 7.8% | 5.3% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 5.2% | 2.3% | 0.0% | 4.6% | 3.3% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 1.5% | 2.4% | 5.8% | 11.2% | 6.3% | 2.4% | 6.7% | 4.6% | 0.0% | 0.0% | 0.0% |
| Shares Outstanding | — | $30M | $30M | $30M | $32M | $32M | $32M | $34M | $34M | $34M | $34M |
Includes 30+ ratios · 28 years · Updated daily
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Quick answers to the most common questions about buying EGBN stock.
Eagle Bancorp, Inc.'s current P/E ratio is 19.4x. The historical average is 15.4x. This places it at the 71th percentile of its historical range.
Eagle Bancorp, Inc.'s current EV/EBITDA is 6.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 13.1x.
Eagle Bancorp, Inc.'s return on equity (ROE) is -10.8%. The historical average is 8.1%.
Based on historical data, Eagle Bancorp, Inc. is trading at a P/E of 19.4x. This is at the 71th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Eagle Bancorp, Inc.'s current dividend yield is 1.50%.
Eagle Bancorp, Inc. has 6.7% gross margin and -57.0% operating margin.
Key Metrics
Top Statement Risk
Credit Cost Volatility Persistence
Metrics are mathematically derived from official filings.
Deep Discount Reflects Earnings Uncertainty
Based on EGBN's reported figures, the stock trades at 0.90 times book value and 19.38 times trailing earnings, a multiple that appears to price in continued credit normalization risk rather than a return to sustained profitability.
A sub-1.0x price-to-book multiple typically signals that the market expects returns on equity below the cost of equity, and the trailing ROE of negative 10.8 percent is consistent with that skepticism. The 19.38 times trailing P/E is distorted by provision-driven losses in 2025 and should not be read as an expensive multiple on normalized earnings. Investors should monitor whether quarterly ROE can sustain positive readings long enough to justify closing the gap to tangible book value.
Thin Spreads Drive Weak Returns
According to reported figures, EGBN's net interest margin of roughly 0.6 percent combined with a fee-income share of 13.5 to 16.6 percent in recent quarters leaves ROE dependent on credit costs rather than core spread earnings.
DuPont decomposition shows that returns are constrained by a thin net interest margin that is offset only partially by leverage, since equity-to-assets near 12 percent limits the multiplier effect. The swing from ROE of negative 5.8 percent in 2025Q3 to positive 2.1 percent in 2026Q3 appears driven largely by provision normalization rather than margin expansion. Sustainable ROE recovery would require visible NIM improvement, which the data does not yet show.
Efficiency Gains Mask Compressed Spreads
Based on EGBN's reported figures, the efficiency ratio improved from 74.3 percent in 2025Q4 to 60 to 67 percent in 2026, while net interest margin remained flat near 0.6 percent over the same period.
The efficiency improvement appears to reflect cost discipline and revenue stabilization rather than spread recovery, since NIM has not moved materially across the ten quarters. A flat NIM in a competitive DMV deposit market suggests limited pricing power, and efficiency gains of this kind can reverse quickly if revenue declines again. Investors should watch whether non-interest expense reduction is sustained independently of provision and fee volatility.
Capital Cushion Narrows Under Losses
As reported in balance sheet data, equity of roughly 1.2 billion dollars against 9.5 billion in total assets provides an equity-to-assets ratio near 12 percent, though the cushion has been eroded by negative earnings in 2025.
The equity-to-assets ratio of roughly 12 percent appears adequate on a headline basis, but the figure does not isolate CET1 or Tier 1 risk-weighted ratios, which are the binding regulatory constraints and are not present in the supplied data. The dividend reduction from about 5.0 million per quarter in 2025 to roughly 0.3 million suggests management has prioritized capital preservation. Capacity for capital return therefore appears limited until profitability is sustained across several quarters.
Lagging Peers on Profitability and Valuation
Based on EGBN's reported figures, the bank's trailing ROE of negative 10.8 percent and price-to-book of 0.90 trail peers such as NBTB at 11.3 percent ROE and 1.42 times book, and BWFG at 14.3 percent ROE and 1.82 times book.
The gap in both ROE and P/B relative to the peer group appears largely cyclical and tied to credit cost recognition in 2025, though the thin NIM of about 0.6 percent versus typical regional bank spreads suggests a partly structural component as well. Peers with ROE above 11 percent and P/B above 1.4 times reflect a market willingness to pay for returns that EGBN has not yet demonstrated. Closing the valuation gap would likely require several consecutive quarters of positive ROE.
Trailing Loss Rates Misleading as P/E Anchor
The trailing P/E of 19.38 is most commonly misapplied to EGBN, since provision-driven losses make the multiple unstable and it obscures the more relevant price-to-tangible-book and normalized ROTCE measures.
Price-to-earnings on a bank with volatile credit provisions can swing from negative to elevated multiples without any change in franchise value, so it understates the discount implied by the 0.90 times book ratio. Price-to-tangible-book combined with normalized return on tangible equity, excluding the 2025 provision spike, provides a more stable anchor for valuation. Investors should treat the trailing P/E as a symptom of credit-cycle timing rather than a valuation signal in its own right.