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Eagle Bancorp

Nasdaq:EGBN
Snowflake Description

Flawless balance sheet and good value.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
EGBN
Nasdaq
$2B
Market Cap
  1. Home
  2. US
  3. Banks
Company description

Eagle Bancorp, Inc. operates as the bank holding company for EagleBank that provides commercial and consumer banking services primarily in the United States. The last earnings update was 23 days ago. More info.


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EGBN Share Price and Events
7 Day Returns
-11.1%
NasdaqCM:EGBN
-7.4%
US Banks
-1.1%
US Market
1 Year Returns
-16.8%
NasdaqCM:EGBN
-9.6%
US Banks
6.4%
US Market
EGBN Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Eagle Bancorp (EGBN) -11.1% -17.8% 7.7% -16.8% 4.4% 38.5%
US Banks -7.4% -7.7% 9.7% -9.6% 40.7% 32.9%
US Market -1.1% 0.3% 17.2% 6.4% 37.9% 42.1%
1 Year Return vs Industry and Market
  • EGBN underperformed the Banks industry which returned -9.6% over the past year.
  • EGBN underperformed the Market in United States of America which returned 6.4% over the past year.
Price Volatility
EGBN
Industry
5yr Volatility vs Market

EGBN Value

 Is Eagle Bancorp undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Eagle Bancorp to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Eagle Bancorp.

NasdaqCM:EGBN Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 5 analysts.
= Stable Book Value * Return on Equity
= $39.18 * 13.5%
$5.30
Book Value of Equity per Share Weighted future Book Value estimates from 5 analysts. $39.18
Discount Rate (Cost of Equity) See below 7.5%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NasdaqCM:EGBN
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.61
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.611 (1 + (1- 21%) (14.62%))
0.787
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.8
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (0.8 * 5.96%)
7.5%

Discounted Cash Flow Calculation for NasdaqCM:EGBN using Excess Returns Model Model

The calculations below outline how an intrinsic value for Eagle Bancorp is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

NasdaqCM:EGBN Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (13.5% – 7.5%) * $39.18)
$2.36
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $2.36 / (7.5% - 2.73%)
$49.51
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $39.18 + $49.51
$88.69
NasdaqCM:EGBN Discount to Share Price
Calculation Result
Value per share (USD) From above. $88.69
Current discount Discount to share price of $49.28
= -1 x ($49.28 - $88.69) / $88.69
44.4%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Eagle Bancorp is available for.
Intrinsic value
44%
Share price is $49.28 vs Future cash flow value of $88.69
Current Discount Checks
For Eagle Bancorp to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Eagle Bancorp's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Eagle Bancorp's share price is below the future cash flow value, and at a substantial discount (> 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Eagle Bancorp's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Eagle Bancorp's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqCM:EGBN PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in USD $4.44
NasdaqCM:EGBN Share Price ** NasdaqCM (2019-03-22) in USD $49.28
United States of America Banks Industry PE Ratio Median Figure of 587 Publicly-Listed Banks Companies 12.68x
United States of America Market PE Ratio Median Figure of 3,062 Publicly-Listed Companies 17.16x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Eagle Bancorp.

NasdaqCM:EGBN PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqCM:EGBN Share Price ÷ EPS (both in USD)

= 49.28 ÷ 4.44

11.1x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Eagle Bancorp is good value based on earnings compared to the US Banks industry average.
  • Eagle Bancorp is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does Eagle Bancorp's expected growth come at a high price?
Raw Data
NasdaqCM:EGBN PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 11.1x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 7 Analysts
7.1%per year
United States of America Banks Industry PEG Ratio Median Figure of 260 Publicly-Listed Banks Companies 1.13x
United States of America Market PEG Ratio Median Figure of 2,105 Publicly-Listed Companies 1.44x

*Line of best fit is calculated by linear regression .

NasdaqCM:EGBN PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 11.1x ÷ 7.1%

1.57x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Eagle Bancorp is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on Eagle Bancorp's assets?
Raw Data
NasdaqCM:EGBN PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in USD $32.25
NasdaqCM:EGBN Share Price * NasdaqCM (2019-03-22) in USD $49.28
United States of America Banks Industry PB Ratio Median Figure of 592 Publicly-Listed Banks Companies 1.2x
United States of America Market PB Ratio Median Figure of 5,165 Publicly-Listed Companies 1.85x
NasdaqCM:EGBN PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqCM:EGBN Share Price ÷ Book Value per Share (both in USD)

= 49.28 ÷ 32.25

1.53x

* Primary Listing of Eagle Bancorp.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Eagle Bancorp is overvalued based on assets compared to the US Banks industry average.
X
Value checks
We assess Eagle Bancorp's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Eagle Bancorp has a total score of 4/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

EGBN Future Performance

 How is Eagle Bancorp expected to perform in the next 1 to 3 years based on estimates from 7 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
7.1%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Eagle Bancorp expected to grow at an attractive rate?
  • Eagle Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Eagle Bancorp's earnings growth is positive but not above the United States of America market average.
  • Eagle Bancorp's revenue growth is expected to exceed the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NasdaqCM:EGBN Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqCM:EGBN Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 7 Analysts 7.1%
NasdaqCM:EGBN Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 7 Analysts 8.6%
United States of America Banks Industry Earnings Growth Rate Market Cap Weighted Average 4.3%
United States of America Banks Industry Revenue Growth Rate Market Cap Weighted Average 5.4%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14.2%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.1%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqCM:EGBN Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 7 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqCM:EGBN Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2023-12-31 522 1
2022-12-31 478 1
2021-12-31 439 1
2020-12-31 377 175 7
2019-12-31 347 162 7
NasdaqCM:EGBN Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2018-12-31 331 165 152
2018-09-30 326 154 128
2018-06-30 319 162 118
2018-03-31 312 107 109
2017-12-31 304 161 100
2017-09-30 295 167 110
2017-06-30 287 123 105
2017-03-31 280 142 101
2016-12-31 274 117 98
2016-09-30 267 73 94
2016-06-30 260 188 91
2016-03-31 253 127 88

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Eagle Bancorp's earnings are expected to grow by 7.1% yearly, however this is not considered high growth (20% yearly).
  • Eagle Bancorp's revenue is expected to grow by 8.6% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqCM:EGBN Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 7 Analyst Estimates (S&P Global) See Below

All data from Eagle Bancorp Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqCM:EGBN Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2023-12-31
2022-12-31
2021-12-31
2020-12-31 5.06 5.23 4.76 5.00
2019-12-31 4.67 4.77 4.54 5.00
NasdaqCM:EGBN Past Financials Data
Date (Data in USD Millions) EPS *
2018-12-31 4.44
2018-09-30 3.72
2018-06-30 3.46
2018-03-31 3.19
2017-12-31 2.94
2017-09-30 3.25
2017-06-30 3.10
2017-03-31 3.01
2016-12-31 2.91
2016-09-30 2.81
2016-06-30 2.72
2016-03-31 2.62

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Eagle Bancorp is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Eagle Bancorp's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Eagle Bancorp has a total score of 2/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

EGBN Past Performance

  How has Eagle Bancorp performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Eagle Bancorp's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Eagle Bancorp has delivered over 20% year on year earnings growth in the past 5 years.
  • Eagle Bancorp's 1-year earnings growth exceeds its 5-year average (51.9% vs 21%)
  • Eagle Bancorp's earnings growth has exceeded the US Banks industry average in the past year (51.9% vs 43.4%).
Earnings and Revenue History
Eagle Bancorp's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Eagle Bancorp Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqCM:EGBN Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 330.92 152.28 107.42
2018-09-30 326.49 127.53 106.96
2018-06-30 318.79 118.45 104.91
2018-03-31 311.84 108.93 102.68
2017-12-31 304.29 100.23 100.13
2017-09-30 295.45 110.38 99.89
2017-06-30 287.49 105.03 99.57
2017-03-31 279.85 101.40 97.71
2016-12-31 274.12 97.71 97.04
2016-09-30 266.66 94.28 94.95
2016-06-30 259.74 91.04 93.69
2016-03-31 252.54 87.65 92.41
2015-12-31 247.06 83.57 91.79
2015-09-30 236.02 75.83 91.05
2015-06-30 221.38 68.48 89.06
2015-03-31 203.76 60.52 85.63
2014-12-31 185.94 53.64 82.19
2014-09-30 173.03 50.96 78.10
2014-06-30 166.31 48.64 75.02
2014-03-31 163.19 47.37 73.02
2013-12-31 159.90 46.44 69.96
2013-09-30 156.05 44.64 68.86
2013-06-30 150.54 42.55 66.78
2013-03-31 141.98 38.66 65.41
2012-12-31 133.23 34.72 64.33
2012-09-30 125.94 31.70 62.15
2012-06-30 116.89 28.49 59.19
2012-03-31 109.75 25.72 56.26

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Eagle Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Eagle Bancorp used its assets more efficiently than the US Banks industry average last year based on Return on Assets.
  • Unable to establish if Eagle Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Eagle Bancorp's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Eagle Bancorp has a total score of 4/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

EGBN Health

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

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Eagle Bancorp's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Eagle Bancorp Company Filings, last reported 2 months ago.

NasdaqCM:EGBN Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 1,108.94 248.04 325.82
2018-09-30 1,061.65 578.70 190.98
2018-06-30 1,023.14 546.33 271.64
2018-03-31 985.18 540.45 209.69
2017-12-31 950.44 618.48 192.77
2017-09-30 933.98 490.44 449.20
2017-06-30 902.68 436.26 447.79
2017-03-31 873.04 373.84 479.74
2016-12-31 842.80 286.16 368.30
2016-09-30 815.64 347.31 519.24
2016-06-30 788.63 211.37 247.02
2016-03-31 762.50 145.05 202.27
2015-12-31 738.60 142.73 298.39
2015-09-30 786.07 138.58 306.25
2015-06-30 765.06 127.46 400.24
2015-03-31 741.53 138.03 415.88
2014-12-31 620.76 280.67 256.17
2014-09-30 442.61 168.28 208.39
2014-06-30 426.82 100.11 115.71
2014-03-31 410.38 105.74 230.95
2013-12-31 393.86 119.77 306.96
2013-09-30 382.10 121.57 220.38
2013-06-30 369.39 136.63 191.25
2013-03-31 361.85 131.96 270.89
2012-12-31 349.98 140.64 339.33
2012-09-30 324.40 124.67 57.71
2012-06-30 290.27 147.00 149.49
2012-03-31 276.01 160.88 142.15
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Eagle Bancorp has an acceptable proportion of non-loan assets held.
  • Eagle Bancorp's liabilities are made up of primarily low risk sources of funding.
  • Loans at Eagle Bancorp are broadly funded by customer deposits.
  • Eagle Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Eagle Bancorp has a sufficient allowance for bad loans.
  • Eagle Bancorp has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess Eagle Bancorp's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Eagle Bancorp has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

EGBN Dividends

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

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Eagle Bancorp dividends.
If you bought $2,000 of Eagle Bancorp shares you are expected to receive $0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Eagle Bancorp's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Eagle Bancorp's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqCM:EGBN Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 7 Analyst Estimates (S&P Global) See Below
United States of America Banks Industry Average Dividend Yield Market Cap Weighted Average of 469 Stocks 3%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2003 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.9%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.5%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqCM:EGBN Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2023-12-31
2022-12-31
2021-12-31
2020-12-31
2019-12-31
NasdaqCM:EGBN Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2010-05-10 0.000 0.000
2010-04-21 0.000 0.000
2010-03-15 0.000 0.000
2010-01-28 0.000 0.000
2009-11-09 0.000 0.000
2009-10-22 0.000 0.000
2009-08-10 0.000 0.000
2009-07-23 0.000 0.000
2009-05-11 0.000 0.000
2009-04-23 0.000 0.000
2009-03-25 0.000 0.000

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Eagle Bancorp has not reported any payouts.
  • Unable to verify if Eagle Bancorp's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Eagle Bancorp's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Eagle Bancorp has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Eagle Bancorp's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.9%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Eagle Bancorp afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Eagle Bancorp has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

EGBN Management

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

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Susan Riel
COMPENSATION $1,921,664
AGE 68
TENURE AS CEO 0 years
CEO Bio

Ms. Susan G. Riel has been Interim President and Chief Executive Officer of Eagle Bancorp, Inc. since March 21, 2019. Ms. Riel served as Executive Vice President at Eagle Bancorp, Inc. until March 21, 2019 and has been its Director since October 2017. Ms. Riel served as Chief Operations Officer and Senior Executive Vice President of EagleBank, Inc., a subsidiary of Eagle BanCorp. Inc. and has been its Director since 2018. She served as Chief Operating Officer and Executive Vice President of Columbia First Bank, FSB since 1989 until that institution's acquisition by First Union BanCorp. in 1995. She served as the Chief Administrative Officer of EagleBank at Eagle Bancorp, Inc. Ms. Riel has over 28 years of experience in the commercial banking industry.

CEO Compensation
  • Susan's compensation has been consistent with company performance over the past year.
  • Susan's remuneration is lower than average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Eagle Bancorp management team in years:

5.9
Average Tenure
61
Average Age
  • The average tenure for the Eagle Bancorp management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Susan Riel

TITLE
Interim President
COMPENSATION
$2M
AGE
68

Charles Levingston

TITLE
Executive VP & CFO
COMPENSATION
$788K
AGE
38
TENURE
1.9 yrs

Janice Williams

TITLE
Executive Vice President
COMPENSATION
$2M
AGE
61
TENURE
11.2 yrs

Antonio Marquez

TITLE
Executive Vice President
COMPENSATION
$1M
AGE
59
TENURE
7.6 yrs

Jim Langmead

TITLE
Consultant
COMPENSATION
$194K
AGE
68
TENURE
1.9 yrs

Mike Flynn

TITLE
Executive VP & COO
COMPENSATION
$274K
AGE
70
TENURE
12.8 yrs

Larry Bensignor

TITLE
Executive VP
AGE
61

Lindsey Rheaume

TITLE
Executive Vice President
AGE
57
TENURE
4.2 yrs

John Vogt

TITLE
Senior Vice President of Enterprise Banking for Eagle Bank

Jane Cornett

TITLE
VP & Corporate Secretary
Board of Directors Tenure

Average tenure and age of the Eagle Bancorp board of directors in years:

12.2
Average Tenure
65.5
Average Age
  • The average tenure for the Eagle Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors

Norm Pozez

TITLE
Chairman
COMPENSATION
$314K
AGE
63

Susan Riel

TITLE
Interim President
COMPENSATION
$2M
AGE
68
TENURE
1.4 yrs

Kathy Raffa

TITLE
Director
COMPENSATION
$95K
AGE
59
TENURE
1.1 yrs

Leland Weinstein

TITLE
Lead Director
COMPENSATION
$382K
AGE
56
TENURE
3.2 yrs

Dudley Dworken

TITLE
Director
COMPENSATION
$361K
AGE
68
TENURE
19.6 yrs

Leslie Alperstein

TITLE
Director
COMPENSATION
$282K
AGE
75
TENURE
15.5 yrs

Harvey Goodman

TITLE
Director
COMPENSATION
$282K
AGE
62
TENURE
12.2 yrs

Don Rogers

TITLE
Director
COMPENSATION
$268K
AGE
72
TENURE
12.2 yrs

David Pinsky

TITLE
Member of Health Care Advisory Board
TENURE
12.9 yrs

Daniel Esposito

TITLE
Member of Health Care Advisory Board
TENURE
12.9 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess Eagle Bancorp's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Eagle Bancorp has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

EGBN News

Simply Wall St News

Is Eagle Bancorp, Inc. (NASDAQ:EGBN) Over-Exposed To Risk?

As a small-cap bank with a market capitalisation of US$1.9b, Eagle Bancorp, Inc.’s (NASDAQ:EGBN) profit and value are directly affected by economic activity. … Risk associate with repayment is measured by the level of bad debt which is an expense written off Eagle Bancorp’s bottom line. … Today we will analyse Eagle Bancorp’s level of bad debt and liabilities in order to understand the risk involved with investing in the bank.

Simply Wall St -

What Is Eagle Bancorp, Inc.'s (NASDAQ:EGBN) Share Price Doing?

As a mid-cap stock with high coverage by analysts, you could assume any recent changes in the company’s outlook is already priced into the stock? … However, what if the stock is still a bargain. … Today I will analyse the most recent data on Eagle Bancorp’s outlook and valuation to see if the opportunity still exists

Simply Wall St -

Does Eagle Bancorp, Inc. (NASDAQ:EGBN) Have A High Beta?

(NASDAQ:EGBN), then you might want to consider its beta (a measure of share price volatility) in order to understand how the stock could impact your portfolio. … Some investors use beta as a measure of how much a certain stock is impacted by market risk (volatility). … While we should keep in mind that Warren Buffett has cautioned that 'Volatility is far from synonymous with risk', beta is still a useful factor to consider.

Simply Wall St -

Intrinsic Calculation For Eagle Bancorp, Inc. (NASDAQ:EGBN) Shows Investors Are Overpaying

Valuing EGBN, a bank stock, can be daunting since these financial companies have cash flows that are impacted by regulations that are not imposed upon other industries. … For instance, banks must hold a certain level of cash reserves on the books as a safety precaution.

Simply Wall St -

Here's How P/E Ratios Can Help Us Understand Eagle Bancorp, Inc. (NASDAQ:EGBN)

To keep it practical, we'll show how Eagle Bancorp, Inc.'s (NASDAQ:EGBN) P/E ratio could help you assess the value on offer. … Eagle Bancorp has a P/E ratio of 13.72, based on the last twelve months. … Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS)

Simply Wall St -

Is Eagle Bancorp, Inc.'s (NASDAQ:EGBN) CEO Salary Justified?

First, this article will compare CEO compensation with compensation at similar sized companies. … How Does Ron Paul's Compensation Compare With Similar Sized Companies. … has a market cap of US$1.6b, and is paying total annual CEO compensation of US$6.2m.

Simply Wall St -

What You Should Know About Eagle Bancorp Inc’s (NASDAQ:EGBN) Risks

As a small-cap bank with a market capitalisation of US$1.7b, Eagle Bancorp Inc’s (NASDAQ:EGBN) profit and value are directly affected by economic growth. … Risk associated with repayment is measured by bad debt which is written off as an expense, impacting Eagle Bancorp’s bottom line. … See our latest analysis for Eagle Bancorp

Simply Wall St -

Does Eagle Bancorp Inc's (NASDAQ:EGBN) PE Ratio Warrant A Buy?

I am writing today to help inform people who are new to the stock market. … and want to learn about the link between company’s fundamentals and stock market performance. … While this makes EGBN appear like a good stock to buy, you might change your mind after I explain the assumptions behind the P/E ratio.

Simply Wall St -

Eagle Bancorp Inc (NASDAQ:EGBN): The Best Of Both Worlds

Looking at the company as a whole, as a potential stock investment, I believe EGBN has a lot to offer. … is a company with great financial health as well as a. … For those interested in understanding where the figures come from and want to see the analysis,

Simply Wall St -

Why Eagle Bancorp Inc's (NASDAQ:EGBN) CEO Pay Matters To You

Understanding how CEOs are incentivised to run and grow their company is an important aspect of investing in a stock. … This is because, if incentives are aligned, more value is created for shareholders which directly impacts your returns as an investor. … CEOs leading companies of similar size and profitability

Simply Wall St -

EGBN Company Info

Description

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.

Details
Name: Eagle Bancorp, Inc.
EGBN
Exchange: NasdaqCM
Founded: 1997
$1,696,078,926
34,417,186
Website: http://www.eaglebankcorp.com
Address: Eagle Bancorp, Inc.
7830 Old Georgetown Road,
Third Floor,
Bethesda,
Maryland, 20814,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqCM EGBN Common Stock Nasdaq Capital Market US USD 31. Jul 1998
Number of employees
Current staff
Staff numbers
470
Eagle Bancorp employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/03/24 23:35
End of day share price update: 2019/03/22 00:00
Last estimates confirmation: 2019/03/21
Last earnings filing: 2019/03/01
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.