Eagle Bancorp, Inc. operates as the bank holding company for EagleBank that provides commercial and consumer banking services primarily in the United States.
Flawless balance sheet and good value.
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 has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: EGBN underperformed the US Banks industry which returned 9.7% over the past year.
Return vs Market: EGBN underperformed the US Market which returned 19.4% over the past year.
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
2 days ago | Simply Wall StYou Have To Love Eagle Bancorp, Inc.'s (NASDAQ:EGBN) Dividend
2 weeks ago | Simply Wall StShould You Investigate Eagle Bancorp, Inc. (NASDAQ:EGBN) At US$43.70?
1 month ago | Simply Wall StEagle Bancorp, Inc. Just Released Its Full-Year Earnings: Here's What Analysts Think
Is Eagle Bancorp undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: EGBN ($44.43) is trading below our estimate of fair value ($85.45)
Significantly Below Fair Value: EGBN is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: EGBN is good value based on its PE Ratio (10.6x) compared to the Banks industry average (12.6x).
PE vs Market: EGBN is good value based on its PE Ratio (10.6x) compared to the US market (18.3x).
Price to Earnings Growth Ratio
PEG Ratio: EGBN is poor value based on its PEG Ratio (5.6x)
Price to Book Ratio
PB vs Industry: EGBN is overvalued based on its PB Ratio (1.2x) compared to the US Banks industry average (1.2x).
How is Eagle Bancorp forecast to perform in the next 1 to 3 years based on estimates from 7 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: EGBN's forecast earnings growth (1.9% per year) is above the savings rate (1.7%).
Earnings vs Market: EGBN's earnings (1.9% per year) are forecast to grow slower than the US market (14.2% per year).
High Growth Earnings: EGBN's earnings are forecast to grow, but not significantly.
Revenue vs Market: EGBN's revenue (5.7% per year) is forecast to grow slower than the US market (7.6% per year).
High Growth Revenue: EGBN's revenue (5.7% 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%).
How has Eagle Bancorp performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: EGBN has high quality earnings.
Growing Profit Margin: EGBN's current net profit margins (42.5%) are lower than last year (46%).
Past Earnings Growth Analysis
Earnings Trend: EGBN's earnings have grown by 17.8% per year over the past 5 years.
Accelerating Growth: EGBN's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: EGBN had negative earnings growth (-6.1%) over the past year, making it difficult to compare to the Banks industry average (12.3%).
Return on Equity
High ROE: EGBN's Return on Equity (12%) is considered low.
Return on Assets
Return on Capital Employed
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
Inventory Level: EGBN has a low level of unsold assets or inventory.
Debt Coverage by Assets: EGBN's debt is not covered by short term assets (assets are 0.6x 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 (0.65%)
What is Eagle Bancorp's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: EGBN's dividend (1.98%) is higher than the bottom 25% of dividend payers in the US market (1.43%).
High Dividend: EGBN's dividend (1.98%) is low compared to the top 25% of dividend payers in the US market (3.7%).
Stability and Growth of Payments
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 (15.8%), EGBN's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: EGBN's dividends in 3 years are forecast to be well covered by earnings (20.5% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Susan Riel (69yo)
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 ($USD2.21M) is below average for companies of similar size in the US market ($USD3.81M).
Compensation vs Earnings: Susan's compensation has been consistent with company performance over the past year.
|Executive VP & CFO||2.8yrs||US$951.08k||0.034% $508.9k|
|Executive Vice President||12.1yrs||US$1.68m||0.22% $3.3m|
|Executive Vice President||8.5yrs||US$1.42m||0.099% $1.5m|
|Executive VP & COO||13.7yrs||US$273.57k||no data|
|Executive VP & Chief Legal Officer||0.08yrs||no data||no data|
|Executive Vice President||5.1yrs||no data||0.055% $810.0k|
|VP & Corporate Secretary||0yrs||no data||no data|
|Assistant VP & Group Manager||14.3yrs||no data||no data|
|Assistant Vice President of EagleBank and Business Development Officer of EagleBank||14.3yrs||no data||no data|
Experienced Management: EGBN's management team is seasoned and experienced (8.5 years average tenure).
|Lead Director||4.1yrs||US$403.20k||0.42% $6.2m|
|Member of Health Care Advisory Board||13.8yrs||no data||no data|
|Member of Health Care Advisory Board||13.8yrs||no data||no data|
|Director||0.8yrs||no data||0.020% $299.7k|
|Independent Director||2yrs||US$315.28k||0.055% $806.0k|
|Director||0.6yrs||no data||0.030% $441.5k|
|Director||0.6yrs||no data||0.011% $158.5k|
|Director||0.3yrs||no data||0.0017% $25.6k|
Experienced Board: EGBN's board of directors are not considered experienced ( 1.5 years average tenure), which suggests a new board.
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.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Eagle Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Eagle Bancorp, Inc.
- Ticker: EGBN
- Exchange: NasdaqCM
- Founded: 1997
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$1.479b
- Shares outstanding: 33.24m
- Website: https://www.eaglebankcorp.com
Number of Employees
- Eagle Bancorp, Inc.
- 7830 Old Georgetown Road
- Third Floor
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|EGBN||NasdaqCM (Nasdaq Capital Market)||Yes||Common Stock||US||USD||Jul 1998|
|2ZI||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Jul 1998|
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, tiered savings, and money market accounts, as well as individual retirement, certificate of deposit, and investment sweep accounts; and time deposits. 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. Further, it provides insurance products and services through a referral program. The company serves sole proprietors, small and medium-sized businesses, partnerships, corporations, non-profit organizations and associations, and individuals, as well as investors. As of December 31, 2018, it operated 20 banking offices comprising 6 in Suburban Maryland, 5 in the District of Columbia, and 9 in Northern Virginia. Eagle Bancorp, Inc. was founded in 1997 and is headquartered in Bethesda, Maryland.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/18 23:55|
|End of Day Share Price||2020/02/18 00:00|
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.