NasdaqCM:EGBN

Stock Analysis Report

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Market Cap

US$1.9b

Last Updated

2021/06/14 00:58 UTC

Data Sources

Company Financials +

Executive Summary

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


Snowflake Analysis

Flawless balance sheet with proven track record.


Similar Companies

Share Price & News

How has Eagle Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: EGBN is not significantly more volatile than the rest 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.


Market Performance


7 Day Return

0.03%

EGBN

-3.2%

US Banks

0.8%

US Market


1 Year Return

81.1%

EGBN

63.4%

US Banks

44.4%

US Market

Return vs Industry: EGBN exceeded the US Banks industry which returned 63.4% over the past year.

Return vs Market: EGBN exceeded the US Market which returned 44.3% over the past year.


Shareholder returns

EGBNIndustryMarket
7 Day0.03%-3.2%0.8%
30 Day3.8%-2.7%3.0%
90 Day4.6%4.1%4.4%
1 Year85.5%81.1%68.2%63.4%46.7%44.4%
3 Year-1.7%-6.0%30.1%19.0%60.3%50.4%
5 Year28.4%22.7%116.5%89.1%128.3%102.8%

Long-Term Price Volatility Vs. Market

How volatile is Eagle Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Eagle Bancorp undervalued compared to its fair value and its price relative to the market?

38.1%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: EGBN ($57.9) is trading below our estimate of fair value ($93.54)

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


Price To Earnings Ratio

PE vs Industry: EGBN is poor value based on its PE Ratio (12.2x) compared to the US Banks industry average (12x).

PE vs Market: EGBN is good value based on its PE Ratio (12.2x) compared to the US market (19.7x).


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: EGBN is overvalued based on its PB Ratio (1.5x) compared to the US Banks industry average (1.2x).


Future Growth

How is Eagle Bancorp forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?

-8.5%

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 (-8.5% per year).

Earnings vs Market: EGBN's earnings are forecast to decline over the next 3 years (-8.5% per year).

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

Revenue vs Market: EGBN's revenue is expected to decline over the next 3 years (-1.1% per year).

High Growth Revenue: EGBN's revenue is forecast to decline over the next 3 years (-1.1% 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


Past Performance

How has Eagle Bancorp performed over the past 5 years?

9.7%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: EGBN has high quality earnings.

Growing Profit Margin: EGBN's current net profit margins (43.9%) are higher than last year (41.2%).


Past Earnings Growth Analysis

Earnings Trend: EGBN's earnings have grown by 9.7% per year over the past 5 years.

Accelerating Growth: EGBN's earnings growth over the past year (15.3%) exceeds its 5-year average (9.7% per year).

Earnings vs Industry: EGBN earnings growth over the past year (15.3%) underperformed the Banks industry 20.5%.


Return on Equity

High ROE: EGBN's Return on Equity (12.1%) is considered low.


Financial Health

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


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 (195%).

Low Risk Liabilities: 93% 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 (67%).

Low Risk Deposits: EGBN's Loans to Deposits ratio (81%) is appropriate.

Level of Bad Loans: EGBN has an appropriate level of bad loans (0.7%).


Dividend

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

1.73%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: EGBN's dividend (1.73%) is higher than the bottom 25% of dividend payers in the US market (1.27%).

High Dividend: EGBN's dividend (1.73%) is low compared to the top 25% of dividend payers in the US market (3.35%).


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 2 years.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (19.1%), 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 and that it will be covered by earnings.


Next Steps

Management

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

5.3yrs

Average management tenure


CEO

Susan Riel (70 yo)

2.25yrs

Tenure

US$3,609,296

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 ($USD3.61M) is about average for companies of similar size in the US market ($USD3.67M).

Compensation vs Earnings: Susan's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: EGBN's management team is seasoned and experienced (5.3 years average tenure).


Board Members

Experienced Board: EGBN's board of directors are not considered experienced ( 1.9 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: EGBN insiders have only sold shares in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

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


Top Shareholders

Company Information

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


Key Information

  • Name: Eagle Bancorp, Inc.
  • Ticker: EGBN
  • Exchange: NasdaqCM
  • Founded: 1997
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$1.851b
  • Shares outstanding: 31.96m
  • Website: https://www.eaglebankcorp.com

Number of Employees


Location

  • Eagle Bancorp, Inc.
  • 7830 Old Georgetown Road
  • Third Floor
  • Bethesda
  • Maryland
  • 20814-2432
  • United States

Listings


Biography

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 ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/06/14 00:58
End of Day Share Price2021/06/11 00:00
Earnings2021/03/31
Annual Earnings2020/12/31


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.