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EGBN

Eagle Bancorp NasdaqCM:EGBN Stock Report

Last Price

US$47.88

Market Cap

US$1.5b

7D

4.2%

1Y

-16.2%

Updated

26 Jun, 2022

Data

Company Financials +
EGBN fundamental analysis
Snowflake Score
Valuation5/6
Future Growth0/6
Past Performance4/6
Financial Health6/6
Dividends2/6

EGBN Stock Overview

Eagle Bancorp, Inc. operates as the bank holding company for EagleBank that provides commercial and consumer banking services primarily in the United States.

Eagle Bancorp Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Eagle Bancorp
Historical stock prices
Current Share PriceUS$47.88
52 Week HighUS$63.84
52 Week LowUS$44.86
Beta0.98
1 Month Change-3.86%
3 Month Change-17.93%
1 Year Change-16.19%
3 Year Change-11.55%
5 Year Change-24.36%
Change since IPO1,561.50%

Recent News & Updates

Apr 07
Eagle Bancorp's (NASDAQ:EGBN) Dividend Will Be Increased To US$0.40

Eagle Bancorp's (NASDAQ:EGBN) Dividend Will Be Increased To US$0.40

The board of Eagle Bancorp, Inc. ( NASDAQ:EGBN ) has announced that it will be increasing its dividend on the 29th of...

Shareholder Returns

EGBNUS BanksUS Market
7D4.2%3.7%6.6%
1Y-16.2%-17.7%-18.4%

Return vs Industry: EGBN exceeded the US Banks industry which returned -17.7% over the past year.

Return vs Market: EGBN exceeded the US Market which returned -18.4% over the past year.

Price Volatility

Is EGBN's price volatile compared to industry and market?
EGBN volatility
EGBN Average Weekly Movement3.7%
Banks Industry Average Movement3.8%
Market Average Movement8.1%
10% most volatile stocks in US Market16.6%
10% least volatile stocks in US Market3.2%

Stable Share Price: EGBN is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: EGBN's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1997507Susan Rielhttps://www.eaglebankcorp.com

Eagle 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.

Eagle Bancorp Fundamentals Summary

How do Eagle Bancorp's earnings and revenue compare to its market cap?
EGBN fundamental statistics
Market CapUS$1.54b
Earnings (TTM)US$178.97m
Revenue (TTM)US$382.42m

8.6x

P/E Ratio

1.2x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
EGBN income statement (TTM)
RevenueUS$382.42m
Cost of RevenueUS$0
Gross ProfitUS$382.42m
Other ExpensesUS$203.46m
EarningsUS$178.97m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)5.58
Gross Margin100.00%
Net Profit Margin46.80%
Debt/Equity Ratio20.2%

How did EGBN perform over the long term?

See historical performance and comparison

Dividends

3.8%

Current Dividend Yield

28%

Payout Ratio

Does EGBN pay a reliable dividends?

See EGBN dividend history and benchmarks
When do you need to buy EGBN by to receive an upcoming dividend?
Eagle Bancorp dividend dates
Ex Dividend DateJul 08 2022
Dividend Pay DateJul 29 2022
Days until Ex dividend10 days
Days until Dividend pay date31 days

Does EGBN pay a reliable dividends?

See EGBN dividend history and benchmarks
We’ve recently updated our valuation analysis.

Valuation

Is EGBN undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for EGBN?

Other financial metrics that can be useful for relative valuation.

EGBN key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio-1.8x

Price to Earnings Ratio vs Peers

How does EGBN's PE Ratio compare to its peers?

EGBN PE Ratio vs Peers
The above table shows the PE ratio for EGBN vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average13.2x
TCBK TriCo Bancshares
14.3x14.5%US$1.5b
WABC Westamerica Bancorporation
17.3x8.8%US$1.5b
NBTB NBT Bancorp
10.4x-2.3%US$1.6b
RNST Renasant
10.8x6.7%US$1.6b
EGBN Eagle Bancorp
8.6x-4.7%US$1.5b

Price-To-Earnings vs Peers: EGBN is good value based on its Price-To-Earnings Ratio (8.6x) compared to the peer average (13.2x).


Price to Earnings Ratio vs Industry

How does EGBN's PE Ratio compare vs other companies in the US Banks Industry?

Price-To-Earnings vs Industry: EGBN is good value based on its Price-To-Earnings Ratio (8.6x) compared to the US Banks industry average (9.6x)


Price to Earnings Ratio vs Fair Ratio

What is EGBN's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

EGBN PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio8.6x
Fair PE Ratio10.5x

Price-To-Earnings vs Fair Ratio: EGBN is good value based on its Price-To-Earnings Ratio (8.6x) compared to the estimated Fair Price-To-Earnings Ratio (10.5x).


Share Price vs Fair Value

What is the Fair Price of EGBN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: EGBN ($47.88) is trading below our estimate of fair value ($135.04)

Significantly Below Fair Value: EGBN is trading below fair value by more than 20%.


Price to Earnings Growth Ratio

PEG Ratio: EGBN's earnings are forecast to decline next year, so we can't calculate its PEG ratio.


Discover undervalued companies

Future Growth

How is Eagle Bancorp forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


-4.7%

Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: EGBN's earnings are forecast to decline over the next 3 years (-4.7% per year).

Earnings vs Market: EGBN's earnings are forecast to decline over the next 3 years (-4.7% per year).

High Growth Earnings: EGBN's earnings are forecast to decline over the next 3 years.

Revenue vs Market: EGBN's revenue (1.2% per year) is forecast to grow slower than the US market (8.4% per year).

High Growth Revenue: EGBN's revenue (1.2% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if EGBN's Return on Equity is forecast to be high in 3 years time


Discover growth companies

Past Performance

How has Eagle Bancorp performed over the past 5 years?

Past Performance Score

4/6

Past Performance Score 4/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


10.0%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: EGBN has high quality earnings.

Growing Profit Margin: EGBN's current net profit margins (46.8%) are higher than last year (44%).


Past Earnings Growth Analysis

Earnings Trend: EGBN's earnings have grown by 10% per year over the past 5 years.

Accelerating Growth: EGBN's earnings growth over the past year (17.3%) exceeds its 5-year average (10% per year).

Earnings vs Industry: EGBN earnings growth over the past year (17.3%) underperformed the Banks industry 20.7%.


Return on Equity

High ROE: EGBN's Return on Equity (14%) is considered low.


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Financial Health

How is Eagle Bancorp's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

6/6

Financial Health Score 6/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: EGBN's Assets to Equity ratio (8.8x) is low.

Allowance for Bad Loans: EGBN has a sufficient allowance for bad loans (301%).

Low Risk Liabilities: 96% of EGBN's liabilities are made up of primarily low risk sources of funding.

Loan Level: EGBN has an appropriate level of Loans to Assets ratio (63%).

Low Risk Deposits: EGBN's Loans to Deposits ratio (73%) is appropriate.

Level of Bad Loans: EGBN has an appropriate level of bad loans (0.3%).


Discover healthy companies

Dividend

What is Eagle Bancorp current dividend yield, its reliability and sustainability?

Dividend Score

2/6

Dividend Score 2/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


3.76%

Current Dividend Yield

Upcoming Dividend Payment

TodayJun 27 2022Ex Dividend DateJul 08 2022Dividend Pay DateJul 29 202221 days from Ex DividendBuy in the next 10 days to receive the upcoming dividend

Dividend Yield vs Market

Notable Dividend: EGBN's dividend (3.76%) is higher than the bottom 25% of dividend payers in the US market (1.57%).

High Dividend: EGBN's dividend (3.76%) is low compared to the top 25% of dividend payers in the US market (4.24%).


Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, EGBN has been paying a dividend for less than 10 years.

Growing Dividend: EGBN's dividend payments have increased, but the company has only paid a dividend for 3 years.


Current Payout to Shareholders

Earnings Coverage: With its reasonably low payout ratio (27.7%), EGBN's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

4.2yrs

Average management tenure


CEO

Susan Riel (71 yo)

3.25yrs

Tenure

US$5,491,034

Compensation

Ms. Susan G. Riel has been President and Chief Executive Officer of Eagle Bancorp, Inc. and EagleBank since May 06, 2019. Ms. Riel was an Interim President and Chief Executive Officer of Eagle Bancorp, Inc...


CEO Compensation Analysis

Compensation vs Market: Susan's total compensation ($USD5.49M) is about average for companies of similar size in the US market ($USD5.47M).

Compensation vs Earnings: Susan's compensation has increased by more than 20% in the past year.


Leadership Team

Experienced Management: EGBN's management team is considered experienced (4.2 years average tenure).


Board Members

Experienced Board: EGBN's board of directors are not considered experienced ( 2.9 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Eagle Bancorp, Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: Eagle Bancorp, Inc.
  • Ticker: EGBN
  • Exchange: NasdaqCM
  • Founded: 1997
  • Industry: Regional Banks
  • Sector: Banks
  • Implied Market Cap: US$1.536b
  • Shares outstanding: 32.08m
  • Website: https://www.eaglebankcorp.com

Number of Employees


Location

  • Eagle Bancorp, Inc.
  • 7830 Old Georgetown Road
  • Third Floor
  • Bethesda
  • Maryland
  • 20814
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/26 00:00
End of Day Share Price2022/06/24 00:00
Earnings2022/03/31
Annual Earnings2021/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.