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EGBN

Eagle Bancorp, Inc.

EGBN

Eagle Bancorp, Inc. • NASDAQ
$18.97 ▲ 0.37% (+0.07)
Market Cap $576.14 M
52w High $30.15
52w Low $15.03
Dividend Yield 0.51%
P/E -4.79
Volume 342.22K
Outstanding Shares 30.37M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $152.598M ▼ $41.897M ▼ $-67.513M ▲ -44.242% ▼ $-2.22 ▲ $-83.72M ▲
Q2-2025 $157.857M ▼ $43.47M ▼ $-69.775M ▼ -44.201% ▼ $-2.3 ▼ $-108.413M ▼
Q1-2025 $162.085M ▼ $45.451M ▲ $1.675M ▼ 1.033% ▼ $0.055 ▼ $3.273M ▼
Q4-2024 $172.484M ▼ $44.532M ▲ $15.29M ▼ 8.865% ▼ $0.51 ▼ $20.831M ▼
Q3-2024 $180.764M $43.614M $21.815M 12.068% $0.72 $27.349M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $0 ▼ $10.816B ▲ $9.692B ▲ $1.123B ▼
Q2-2025 $1.424B ▼ $10.601B ▼ $9.416B ▼ $1.185B ▼
Q1-2025 $1.888B ▲ $11.317B ▲ $10.072B ▲ $1.245B ▲
Q4-2024 $1.497B ▼ $11.13B ▼ $9.903B ▼ $1.226B ▲
Q3-2024 $2.034B $11.285B $10.06B $1.225B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $-69.775M ▼ $-28.621M ▼ $220.769M ▲ $-611.472M ▼ $-419.324M ▼ $-29.347M ▼
Q1-2025 $1.675M ▼ $43.185M ▲ $-140.495M ▼ $140.487M ▲ $43.177M ▲ $43.047M ▲
Q4-2024 $15.29M ▼ $10.088M ▼ $176.408M ▲ $-163.5M ▼ $22.996M ▼ $9.945M ▼
Q3-2024 $21.815M ▲ $55.589M ▲ $103.385M ▲ $-91.323M ▲ $67.651M ▲ $55.436M ▲
Q2-2024 $-83.802M $55.247M $25.085M $-255.371M $-175.039M $55.288M

Five-Year Company Overview

Income Statement

Income Statement Eagle Bancorp’s revenue has generally moved higher over the last few years, but its profits have gone the other way. Margins have narrowed steadily, and the most recent year flipped from solid profitability to a small loss. That pattern usually points to rising funding costs, higher credit costs, or pressure on loan yields. The shift from strong earnings per share to negative territory is a clear sign that earnings quality and risk management are under more scrutiny now than earlier in the period.

Balance Sheet

Balance Sheet The balance sheet looks relatively stable in size, with total assets moving within a fairly narrow band over the period. Capital levels (equity) have held up, suggesting the bank still has a solid buffer to absorb shocks. Borrowings rose notably in the recent past and have since begun to come down, which may ease funding risk but still leaves the bank more reliant on wholesale funding than a few years ago. Cash levels are well below the peak pandemic period but not alarmingly low, indicating a return toward a more normal liquidity profile rather than stress-driven hoarding of cash.

Cash Flow

Cash Flow Despite the recent accounting loss, the bank has continued to generate positive cash flow from its core operations each year, which is an important strength. Free cash flow has tracked operating cash flow closely, as the business is not very capital‑intensive and investment spending has been modest. The slight softening of cash generation in the latest year mirrors the earnings pressure but does not suggest a breakdown in the underlying cash engine. Overall, cash flow paints a more resilient picture than the income statement alone.

Competitive Edge

Competitive Edge Eagle Bancorp is a classic focused regional bank: its edge comes from deep roots in the Washington D.C. area, long relationships, and strong knowledge of local real estate and business markets. It is especially known for commercial real estate lending, where experience and local judgment matter a lot and create a barrier for outside competitors. Decision‑making is local and relatively fast, which appeals to small and mid‑sized businesses that value responsiveness over a big‑bank brand. The flip side is concentration risk: heavy exposure to commercial real estate in one metro area makes performance sensitive to local economic and property‑market cycles, so diversification into more commercial and industrial lending is a key strategic priority.

Innovation and R&D

Innovation and R&D The bank is not trying to be a fintech disruptor; its strategy is to pair standard digital tools with high‑touch service. It offers the expected online and mobile banking features, remote deposit, digital account opening, and treasury services—good enough to be competitive, but not meaningfully differentiated on technology alone. Its real “innovation” is in how it structures customized lending and treasury solutions for niche client groups like real estate developers, government contractors, nonprofits, and professional firms. Future improvements are likely to be incremental upgrades to digital channels and better integration of online tools with relationship banking, rather than bold, high‑risk technology bets.

Summary

Eagle Bancorp combines a strong local franchise and relationship banking model with a more challenging recent financial picture. Revenue has grown, but profitability has deteriorated, culminating in a recent net loss that reflects tighter margins and likely credit or funding pressures. The balance sheet remains reasonably solid, with steady capital and adequate liquidity, even though borrowing reliance has been higher than in the past. Cash flow from operations is still positive, softening concerns raised by the income statement and suggesting the core business remains viable. Strategically, the bank’s moat comes from its local expertise and reputation in commercial real estate lending, but that same specialization is a core risk that the bank is actively trying to rebalance by building up commercial and industrial lending and enhancing digital capabilities. Overall, Eagle Bancorp looks like a relationship‑driven regional bank in transition, working to adapt its traditional strengths to a tougher rate and credit environment.

NEWS

October 23, 2025 · 8:57 AM UTC

CORRECTION - Eagle Bancorp, Inc. Announces Third Quarter 2025 Results and Cash Dividend

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October 3, 2025 · 6:00 AM UTC

Eagle Bancorp Announces Earnings Call on October 23, 2025

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September 8, 2025 · 4:15 PM UTC

EagleBank Adds Two New Independent Members to Board of Directors

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