NasdaqCM:EGBN

Stock Analysis Report

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.

Snowflake

Fundamentals

Flawless balance sheet and fair value.


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


Market Performance


7 Day Return

6.0%

EGBN

2.9%

US Banks

0.07%

US Market


1 Year Return

-9.5%

EGBN

8.6%

US Banks

8.9%

US Market

Return vs Industry: EGBN underperformed the US Banks industry which returned 8.6% over the past year.

Return vs Market: EGBN underperformed the US Market which returned 8.9% over the past year.


Shareholder returns

EGBNIndustryMarket
7 Day6.0%2.9%0.07%
30 Day1.9%3.4%-0.3%
90 Day10.6%2.1%-1.6%
1 Year-8.7%-9.5%11.8%8.6%11.3%8.9%
3 Year-7.8%-8.7%54.8%44.1%46.3%36.8%
5 Year29.8%28.6%70.2%51.6%62.1%44.3%

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?

38.2%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: EGBN ($45.16) is trading below our estimate of fair value ($73.09)

Significantly Below Fair Value: EGBN is trading below fair value, but not by a significant amount.


Price To Earnings Ratio

PE vs Industry: EGBN is good value based on its PE Ratio (10.5x) compared to the Banks industry average (12.6x).

PE vs Market: EGBN is good value based on its PE Ratio (10.5x) compared to the US market (17.8x).


Price to Earnings Growth Ratio

PEG Ratio: EGBN is poor value based on its PEG Ratio (6.1x)


Price to Book Ratio

PB vs Industry: EGBN is overvalued based on its PB Ratio (1.3x) compared to the US Banks industry average (1.2x).


Next Steps

Future Growth

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

1.7%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: EGBN's forecast earnings growth (1.7% per year) is below the savings rate (2.7%).

Earnings vs Market: EGBN's earnings (1.7% per year) are forecast to grow slower than the US market (14.5% per year).

High Growth Earnings: EGBN's earnings are forecast to grow, but not significantly.

Revenue vs Market: EGBN's revenue (6.4% per year) is forecast to grow slower than the US market (7.2% per year).

High Growth Revenue: EGBN's revenue (6.4% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: EGBN's Return on Equity is forecast to be low in 3 years time (11.4%).


Next Steps

Past Performance

How has Eagle Bancorp performed over the past 5 years?

19.3%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: EGBN's earnings have grown by 19.3% per year over the past 5 years.

Accelerating Growth: EGBN's earnings growth over the past year (15.9%) is below its 5-year average (19.3% per year).

Earnings vs Industry: EGBN earnings growth over the past year (15.9%) underperformed the Banks industry 29.7%.


Return on Equity

High ROE: EGBN's Return on Equity (12.5%) is considered low.


Return on Assets

ROA vs Industry: EGBN has a higher Return on Assets than the Banks industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate EGBN's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

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

Inventory Level: EGBN has a low level of unsold assets or inventory.

Debt Coverage by Assets: EGBN's debt is covered by short term assets (assets are 1.291250x debt).


Financial Institutions Analysis

Asset Level: EGBN's level of assets compared to its equity is low.

Allowance for Bad Loans: EGBN has a sufficient allowance for bad loans.

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

Loan Level: EGBN has an acceptable proportion of non-loan assets held.

Low Risk Deposits: EGBN's loans are broadly funded by customer deposits.

Level of Bad Loans: EGBN has an appropriate level of bad loans (0.76%)


Next Steps

Dividend

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

1.95%

Current Dividend Yield


Dividend Yield vs Market

company1.9%marketbottom25%1.4%markettop25%3.7%industryaverage2.9%forecastin3Years1.7%

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: EGBN's dividend (1.95%) is higher than the bottom 25% of dividend payers in the US market (1.45%).

High Dividend: EGBN's dividend (1.95%) is low compared to the top 25% of dividend payers in the US market (3.68%).

Stable Dividend: Too early to tell whether EGBN's dividend payments have been stable as they only just started paying a dividend.

Growing Dividend: Too early to tell if EGBN's dividend payments are increasing as they only just started paying a dividend.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (5.1%), EGBN's dividend payments are thoroughly covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: EGBN's dividends in 3 years are forecast to be well covered by earnings (17.8% payout ratio).


Next Steps

Management

What is the CEO of Eagle Bancorp's salary, the management and board of directors tenure and is there insider trading?

11.8yrs

Average management tenure


CEO

Susan Riel (69yo)

0.6yrs

Tenure

US$2,210,065

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 has recently become CEO, making it difficult to compare their total compensation against companies of similar size in the US market.

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


Management Age and Tenure

11.8yrs

Average Tenure

61yo

Average Age

Experienced Management: EGBN's management team is seasoned and experienced (11.8 years average tenure).


Board Age and Tenure

2.9yrs

Average Tenure

63.5yo

Average Age

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


Insider Trading

Insider Buying: EGBN insiders have only sold shares in the past 3 months.


Recent Insider Transactions

SellUS$104,47509 Sep 19
Antonio Marquez
EntityIndividual
Role
Senior Key Executive
Executive Vice President
Shares2,500
Max PriceUS$41.85

Ownership Breakdown


Management Team

  • Susan Riel (69yo)

    President

    • Tenure: 0.6yrs
    • Compensation: US$2.21m
  • Mike Flynn (71yo)

    Executive VP & COO

    • Tenure: 13.3yrs
    • Compensation: US$273.57k
  • Sylvie Sluse

    Assistant VP & Group Manager

    • Tenure: 13.9yrs
  • Jenny Shtipelman

    Assistant Vice President of EagleBank and Business Development Officer of EagleBank

    • Tenure: 13.9yrs
  • Catherine McNamee

    Business Development Officer of EagleBank and Assistant Vice President of EagleBank

    • Tenure: 13.9yrs
  • Janice Williams (62yo)

    Executive Vice President

    • Tenure: 11.8yrs
    • Compensation: US$1.68m
  • Jane Cornett

    VP & Corporate Secretary

    • Tenure: 0yrs
  • Lindsey Rheaume (58yo)

    Executive Vice President

    • Tenure: 4.8yrs
  • Tony Marquez (60yo)

    Executive Vice President

    • Tenure: 8.2yrs
    • Compensation: US$1.42m
  • Charles Levingston (39yo)

    Executive VP & CFO

    • Tenure: 2.5yrs
    • Compensation: US$951.08k

Board Members

  • Susan Riel (69yo)

    President

    • Tenure: 0.6yrs
    • Compensation: US$2.21m
  • Leslie Alperstein (76yo)

    Director

    • Tenure: 16.1yrs
    • Compensation: US$307.19k
  • Leland Weinstein (57yo)

    Lead Director

    • Tenure: 3.8yrs
    • Compensation: US$403.20k
  • Harvey Goodman (63yo)

    Director

    • Tenure: 12.8yrs
    • Compensation: US$300.48k
  • David Pinsky

    Member of Health Care Advisory Board

    • Tenure: 13.5yrs
  • Daniel Esposito

    Member of Health Care Advisory Board

    • Tenure: 13.5yrs
  • Jim Soltesz (64yo)

    Director

    • Tenure: 0.4yrs
  • Norm Pozez (64yo)

    Chairman

    • Tenure: 0.6yrs
    • Compensation: US$588.86k
  • Kathy Raffa (60yo)

    Director

    • Tenure: 1.7yrs
    • Compensation: US$315.28k
  • Theresa LaPlaca (59yo)

    Director

    • Tenure: 0.3yrs

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$1.523b
  • Shares outstanding: 33.72m
  • Website: https://www.eaglebankcorp.com

Number of Employees


Location

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

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
EGBNNasdaqCM (Nasdaq Capital Market)YesCommon StockUSUSDJul 1998
2ZIDB (Deutsche Boerse AG)YesCommon StockDEEURJul 1998

Biography

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


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/22 23:35
End of Day Share Price2019/10/22 00:00
Earnings2019/09/30
Annual Earnings2018/12/31


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.