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Eagle Bancorp

Nasdaq:EGBN
Snowflake Description

Flawless balance sheet and undervalued.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
EGBN
Nasdaq
$1B
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 7 days ago. More info.


Add to Portfolio Compare Print
  • Eagle Bancorp has significant price volatility in the past 3 months.
EGBN Share Price and Events
7 Day Returns
-25%
NasdaqCM:EGBN
0.3%
US Banks
-0.9%
US Market
1 Year Returns
-27.7%
NasdaqCM:EGBN
-7.8%
US Banks
3.8%
US Market
EGBN Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Eagle Bancorp (EGBN) -25% -24.4% -26.9% -27.7% -20.5% 19%
US Banks 0.3% 2.9% -0.7% -7.8% 45.9% 46.5%
US Market -0.9% 1.1% 1.1% 3.8% 35.5% 42.1%
1 Year Return vs Industry and Market
  • EGBN underperformed the Banks industry which returned -7.8% over the past year.
  • EGBN underperformed the Market in United States of America which returned 3.8% 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 6 analysts.
= Stable Book Value * Return on Equity
= $37.99 * 12.3%
$4.68
Book Value of Equity per Share Weighted future Book Value estimates from 6 analysts. $37.99
Discount Rate (Cost of Equity) See below 7.8%
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 0.6
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.597 (1 + (1- 21%) (36.71%))
0.846
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.85
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (0.846 * 5.96%)
7.77%

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)
= (12.3% – 7.77%) * $37.99)
$1.72
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $1.72 / (7.77% - 2.73%)
$34.19
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $37.99 + $34.19
$72.18
NasdaqCM:EGBN Discount to Share Price
Calculation Result
Value per share (USD) From above. $72.18
Current discount Discount to share price of $40.07
= -1 x ($40.07 - $72.18) / $72.18
44.5%

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 $40.07 vs Future cash flow value of $72.18
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 (2019-06-30) in USD $4.37
NasdaqCM:EGBN Share Price ** NasdaqCM (2019-07-23) in USD $40.07
United States of America Banks Industry PE Ratio Median Figure of 595 Publicly-Listed Banks Companies 12.67x
United States of America Market PE Ratio Median Figure of 3,083 Publicly-Listed Companies 17.8x

* 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)

= 40.07 ÷ 4.37

9.18x

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 9.18x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 8 Analysts
3.9%per year
United States of America Banks Industry PEG Ratio Median Figure of 271 Publicly-Listed Banks Companies 1.2x
United States of America Market PEG Ratio Median Figure of 2,118 Publicly-Listed Companies 1.58x

*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

= 9.18x ÷ 3.9%

2.37x

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 (2019-06-30) in USD $34.30
NasdaqCM:EGBN Share Price * NasdaqCM (2019-07-23) in USD $40.07
United States of America Banks Industry PB Ratio Median Figure of 595 Publicly-Listed Banks Companies 1.2x
United States of America Market PB Ratio Median Figure of 5,249 Publicly-Listed Companies 1.78x
NasdaqCM:EGBN PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

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

= 40.07 ÷ 34.30

1.17x

* Primary Listing of Eagle Bancorp.

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

  • Eagle Bancorp is good value 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 5/6, 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 8 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
3.9%
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 8 Analysts 3.9%
NasdaqCM:EGBN Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 8 Analysts 9.6%
United States of America Banks Industry Earnings Growth Rate Market Cap Weighted Average 1.6%
United States of America Banks Industry Revenue Growth Rate Market Cap Weighted Average 3.4%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.3%

*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 (3 weeks ago) See Below
Future Estimates Average of up to 8 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
2023-12-31 501 1
2022-12-31 460 1
2021-12-31 391 167 2
2020-12-31 346 148 8
2019-12-31 330 145 8
NasdaqCM:EGBN Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-06-30 338 150
2019-03-31 336 185 150
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

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Eagle Bancorp's earnings are expected to grow by 3.9% yearly, however this is not considered high growth (20% yearly).
  • Eagle Bancorp's revenue is expected to grow by 9.6% 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 (3 weeks ago) See Below
Future Estimates Average of up to 8 Analyst Estimates (S&P Global) See Below

All data from Eagle Bancorp Company Filings, last reported 3 weeks 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 4.70 4.70 4.70 1.00
2020-12-31 4.28 4.64 3.69 7.00
2019-12-31 4.18 4.27 4.12 7.00
NasdaqCM:EGBN Past Financials Data
Date (Data in USD Millions) EPS *
2019-06-30 4.37
2019-03-31 4.37
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

*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 (26.8% vs 20.4%)
  • Eagle Bancorp's earnings growth has not exceeded the US Banks industry average in the past year (26.8% vs 37.8%).
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 3 weeks 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
2019-06-30 337.73 150.26 107.38
2019-03-31 335.75 150.31 106.93
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

*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 3/6, 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 3 weeks ago.

NasdaqCM:EGBN Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-06-30 1,184.58 474.16 196.63
2019-03-31 1,148.49 494.11 123.29
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
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
2.2%
Current annual income from Eagle Bancorp dividends. Estimated to be 1.96% next year.
If you bought $2,000 of Eagle Bancorp shares you are expected to receive $44 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?
  • Eagle Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.44%).
  • Eagle Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (3.77%).
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 8 Analyst Estimates (S&P Global) See Below
United States of America Banks Industry Average Dividend Yield Market Cap Weighted Average of 480 Stocks 3.1%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2017 Stocks 2.4%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.8%

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 0.91 4.00
2019-12-31 0.66 4.00
NasdaqCM:EGBN Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-05-15 0.880 1.653
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
2009-03-16 0.000 0.000
2009-01-29 0.000 0.000
2008-11-10 0.000 0.000
2008-10-23 0.000 0.000
2008-08-11 0.198 2.811

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

  • Dividends per share have been volatile in the past 10 years (annual drop of over 20%).
  • Dividends per share have increased over the past 10 years.
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 0.8%) - 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 2/6, 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 $2,210,065
AGE 69
TENURE AS CEO 0.3 years
CEO Bio

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. and EagleBank since March 21, 2019 until May 06, 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, both up more than 20%.
  • 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:

11.5
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
President
COMPENSATION
$2M
AGE
69
TENURE
0.3 yrs

Charles Levingston

TITLE
Executive VP & CFO
COMPENSATION
$951K
AGE
39
TENURE
2.3 yrs

Janice Williams

TITLE
Executive Vice President
COMPENSATION
$2M
AGE
62
TENURE
11.5 yrs

Tony Marquez

TITLE
Executive Vice President
COMPENSATION
$1M
AGE
60
TENURE
7.9 yrs

Mike Flynn

TITLE
Executive VP & COO
COMPENSATION
$274K
AGE
71
TENURE
13.1 yrs

Lindsey Rheaume

TITLE
Executive Vice President
AGE
58
TENURE
4.5 yrs

Jane Cornett

TITLE
VP & Corporate Secretary

Sylvie Sluse

TITLE
Assistant VP & Group Manager
TENURE
13.7 yrs

Jenny Shtipelman

TITLE
Assistant Vice President of EagleBank and Business Development Officer of EagleBank
TENURE
13.7 yrs

Catherine McNamee

TITLE
Business Development Officer of EagleBank and Assistant Vice President of EagleBank
TENURE
13.7 yrs
Board of Directors Tenure

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

3.5
Average Tenure
63.5
Average Age
  • The tenure for the Eagle Bancorp board of directors is about average.
Board of Directors

Norm Pozez

TITLE
Chairman
COMPENSATION
$589K
AGE
64
TENURE
0.3 yrs

Susan Riel

TITLE
President
COMPENSATION
$2M
AGE
69
TENURE
1.8 yrs

Kathy Raffa

TITLE
Director
COMPENSATION
$315K
AGE
60
TENURE
1.4 yrs

Leland Weinstein

TITLE
Lead Director
COMPENSATION
$403K
AGE
57
TENURE
3.5 yrs

Leslie Alperstein

TITLE
Director
COMPENSATION
$307K
AGE
76
TENURE
15.8 yrs

Harvey Goodman

TITLE
Director
COMPENSATION
$300K
AGE
63
TENURE
12.5 yrs

David Pinsky

TITLE
Member of Health Care Advisory Board
TENURE
13.3 yrs

Daniel Esposito

TITLE
Member of Health Care Advisory Board
TENURE
13.3 yrs

Jim Soltesz

TITLE
Director
AGE
64
TENURE
0.2 yrs

Theresa LaPlaca

TITLE
Director
AGE
59
Who owns this company?
Recent Insider Trading
  • No 3 month individual 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.'s (NASDAQ:EGBN) P/E Ratio Really That Good?

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 12.37, based on the last twelve months. … The formula for price to earnings is: Price to Earnings Ratio = Price per Share ÷ Earnings per Share (EPS) Or for Eagle Bancorp: P/E of 12.37 = $54.1 ÷ $4.37 (Based on the year to March 2019.) Is A High Price-to-Earnings Ratio Good?

Simply Wall St -

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

Another thing to keep in mind is that Eagle Bancorp’s share price may be quite stable relative to the rest of the market, as indicated by its low beta. … This means that if you believe the current share price should move towards its intrinsic value over time, a low beta could suggest it is not likely to reach that level anytime soon, and once it’s there, it may be hard to fall back down into an attractive buying range again. … Although value investors would argue that it’s the intrinsic value relative to the price that matter the most, a more compelling investment thesis would be high growth potential at a cheap price.

Simply Wall St -

Should You Be Concerned About Eagle Bancorp, Inc.'s (NASDAQ:EGBN) Historical Volatility?

Some investors use beta as a measure of how much a certain stock is impacted by market risk (volatility). … It takes less capital to move the share price of small companies, and they are also more impacted by company specific events, so it's a bit of a surprise that the beta is so close to the overall market. … What this means for you: It is probable that there is a link between the share price of Eagle Bancorp and the broader market, since it has a beta value quite close to one.

Simply Wall St -

If You Like EPS Growth Then Check Out Eagle Bancorp (NASDAQ:EGBN) Before It's Too Late

So if you're like me, you might be more interested in profitable, growing companies, like Eagle Bancorp (NASDAQ:EGBN). … Not all of Eagle Bancorp's revenue this year is revenue from operations, so keep in mind the revenue and margin numbers I've used might not be the best representation of the underlying business. … Eagle Bancorp maintained stable EBIT margins over the last year, all while growing revenue 7.7% to US$336m.

Simply Wall St -

Could Eagle Bancorp, Inc.'s (NASDAQ:EGBN) Investor Composition Influence The Stock Price?

A look at the shareholders of Eagle Bancorp, Inc. … As Nassim Nicholas Taleb said, 'Don’t tell me what you think, tell me what you have in your portfolio.'. … With a market capitalization of US$1.9b, Eagle Bancorp is a decent size, so it is probably on the radar of institutional investors.

Simply Wall St -

The Eagle Bancorp (NASDAQ:EGBN) Share Price Is Up 43% And Shareholders Are Holding On

(NASDAQ:EGBN) share price down 14% in the last month. … One imperfect but simple way to consider how the market perception of a company has shifted is to compare the change in the earnings per share (EPS) with the share price movement. … Over half a decade, Eagle Bancorp managed to grow its earnings per share at 20% a year.

Simply Wall St -

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 -

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
$1,377,794,736
34,539,853
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
DB 2ZI Common Stock Deutsche Boerse AG DE EUR 31. Jul 1998
Number of employees
Current staff
Staff numbers
480
Eagle Bancorp employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/07/24 01:23
End of day share price update: 2019/07/23 00:00
Last estimates confirmation: 2019/07/19
Last earnings filing: 2019/07/17
Last earnings reported: 2019/06/30
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.