Eagle Bancorp, Inc. (EGBN) Financial Ratios
28 years of historical data (1998–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
N/A
—
5yr avg: 9.00
30Y Low1.1·High49.7
P/FCF
↑
40.54
↑+252% vs avg
5yr avg: 11.52
30Y Low3.2·High47.4
P/B Ratio
↓
0.73
↓-18% vs avg
5yr avg: 0.89
30Y Low0.5·High2.7
ROE
↓
-10.8%
↑-400% vs avg
5yr avg: 3.6%
30Y Low-11%·High15%
Debt/EBITDA
↑
N/A
—
5yr avg: 6.30
30Y Low1.0·High16.4
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
EGBN Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Eagle Bancorp, Inc. currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis. On a free-cash-flow basis, the stock trades at 40.5x P/FCF, 252% above the 5-year average of 11.5x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $842M | $648M | $785M | $916M | $1.4B | $1.9B | $1.3B | $1.7B | $1.7B | $2.0B | $2.1B |
| Enterprise Value | $977M | $783M | $777M | $1.7B | $2.2B | $602M | $199M | $2.0B | $1.6B | $2.4B | $2.0B |
| P/E Ratio → | -6.56 | — | — | 9.11 | 10.04 | 10.57 | 10.10 | 11.63 | 11.02 | 19.83 | 21.31 |
| P/S Ratio | 1.33 | 1.02 | 1.11 | 1.42 | 3.15 | 4.61 | 3.07 | 3.65 | 4.03 | 5.62 | 6.65 |
| P/B Ratio | 0.73 | 0.57 | 0.64 | 0.72 | 1.15 | 1.38 | 1.08 | 1.40 | 1.51 | 2.09 | 2.47 |
| P/FCF | 40.54 | 31.20 | 6.36 | 4.68 | 7.33 | 8.01 | 10.27 | 12.81 | 10.23 | 12.81 | 19.04 |
| P/OCF | 29.54 | 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
EGBN EV Ratios
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 | — | 1.23 | 1.10 | 2.61 | 5.01 | 1.49 | 0.46 | 4.37 | 3.88 | 6.88 | 6.40 |
| EV / EBITDA | — | — | — | 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 | — | 37.72 | 6.30 | 8.65 | 11.64 | 2.58 | 1.52 | 15.32 | 9.85 | 15.67 | 18.31 |
EGBN Profitability
Margins and return-on-capital ratios measuring operating efficiency
Eagle Bancorp, Inc. earns an operating margin of -26.9%, below the Financial Services sector average of 20.3%. Operating margins have compressed from 19.7% to -26.9% over the past 3 years, signaling potential cost pressures or competitive headwinds. A negative ROE of -10.8% indicates the company is currently destroying shareholder equity.
Margins
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 | 3.2% | 3.2% | 34.5% | 43.4% | 79.1% | 95.5% | 73.5% | 73.9% | 79.6% | 86.1% | 87.6% |
| Operating Margin | -26.9% | -26.9% | -4.3% | 19.7% | 42.3% | 58.7% | 40.4% | 43.2% | 49.1% | 52.6% | 50.8% |
| Net Profit Margin | -20.2% | -20.2% | -6.6% | 15.5% | 31.4% | 43.6% | 30.3% | 31.4% | 36.6% | 28.4% | 31.2% |
Return on Capital
| 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 | -2.9% | -2.9% | -2.1% | 8.8% | 12.8% | 15.1% | 11.4% | 13.7% | 15.7% | 16.0% | 16.3% |
EGBN Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Net debt stands at $135M ($147M total debt minus $12M cash).
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.13 | 0.13 | 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 | — | 0.12 | -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 | — | 6.51 | -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 |
EGBN Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.33x is below 1.0, meaning current liabilities exceed current assets. The current ratio has improved from 0.22x to 0.33x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.33 | 0.33 | 0.16 | 0.22 | 0.19 | 0.42 | 0.31 | 0.14 | 0.16 | 0.12 | 0.16 |
| Quick Ratio | 0.33 | 0.33 | 0.16 | 0.22 | 0.19 | 0.42 | 0.31 | 0.14 | 0.16 | 0.12 | 0.16 |
| Cash Ratio | 0.33 | 0.33 | 0.07 | 0.07 | 0.03 | 0.16 | 0.19 | 0.03 | 0.04 | 0.03 | 0.06 |
| Asset Turnover | — | 0.06 | 0.06 | 0.06 | 0.04 | 0.03 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
EGBN Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Eagle Bancorp, Inc. returns 1.8% to shareholders annually primarily through dividends.
Dividends
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 | 1.8% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | 54.7% | 39.6% | 25.3% | 21.4% | 15.6% | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | 11.0% | 10.0% | 9.5% | 9.9% | 8.6% | 9.1% | 5.0% | 4.7% |
| FCF Yield | 2.5% | 3.2% | 15.7% | 21.3% | 13.6% | 12.5% | 9.7% | 7.8% | 9.8% | 7.8% | 5.3% |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 1.8% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $30M | $30M | $30M | $32M | $32M | $32M | $34M | $34M | $34M | $34M |
Peer Comparison
Compare EGBN with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 EGBNYou | $842M | -6.6 | — | 40.5 | 3.2% | -26.9% | -10.8% | -8.2% | — |
 NBTB | $2B | 14.0 | 10.7 | 11.1 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 FUNC | $277M | 11.3 | 8.0 | 18.0 | 70.2% | 27.3% | 12.8% | 7.1% | 3.5 |
 BWFG | $448M | 12.6 | 7.7 | 17.1 | 51.6% | 23.3% | 12.3% | 8.0% | 3.4 |
 MNSB | $176M | 13.6 | 11.5 | 16.5 | 54.4% | 14.0% | 7.3% | 5.0% | 3.7 |
 NFBK | $602M | 727.8 | 63.2 | 11.5 | 35.3% | 9.3% | 0.1% | 0.8% | 39.6 |
 CARE | $686M | 22.1 | 19.0 | 21.6 | 61.7% | 15.7% | 7.8% | 5.7% | 4.5 |
 OFG | $2B | 10.4 | 5.4 | 10.1 | 71.2% | 30.8% | 15.5% | 10.9% | 2.0 |
 FXNC | $265M | 15.0 | 6.7 | 12.6 | 74.0% | 19.6% | 10.0% | 7.7% | 1.9 |
 CUBI | $3B | 12.2 | 11.9 | 5.3 | 51.6% | 22.0% | 11.3% | 6.6% | 4.9 |
 WSFS | $4B | 14.6 | 7.1 | 18.3 | 74.7% | 28.0% | 10.8% | 9.5% | 0.7 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 28 years · Updated daily
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EGBN — Frequently Asked Questions
Quick answers to the most common questions about buying EGBN stock.
What is Eagle Bancorp, Inc.'s P/E ratio?
Eagle Bancorp, Inc.'s current P/E ratio is -6.6x. The historical average is 15.4x.
What is Eagle Bancorp, Inc.'s ROE?
Eagle Bancorp, Inc.'s return on equity (ROE) is -10.8%. The historical average is 8.1%.
Is EGBN stock overvalued?
Based on historical data, Eagle Bancorp, Inc. is trading at a P/E of -6.6x. Compare with industry peers and growth rates for a complete picture.
What is Eagle Bancorp, Inc.'s dividend yield?
Eagle Bancorp, Inc.'s current dividend yield is 1.83%.
What are Eagle Bancorp, Inc.'s profit margins?
Eagle Bancorp, Inc. has 3.2% gross margin and -26.9% operating margin.