# Eagle Bancorp, Inc. (EGBN)

> Source: Nexqual · https://nexqual.com/EGBN · data as of 2026-10-23 13:32 UTC · cite as "Nexqual, Eagle Bancorp, Inc. (EGBN), nexqual.com/EGBN" · informational, not investment advice.

**Price:** USD 32.68 (-0.89% today) · US market open, as of October 23, 2026 at 13:32 UTC; quotes may be delayed. Prev close 32.97 · day 32.31–32.74 · 52w 15.03–33.09 · market cap $996M · NCM

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $301M, net income -$48.3M (-16.1% margin) (SEC filings).
- Analysts: Hold (mean 2.50 on a 1–5 scale) (6 analysts), mean target USD 33.42 (range 29–40).
- Total return with dividends: 1Y +93.1% vs S&P 500 +14.9%; 5Y -30.2% vs S&P 500 +80.3%.
- Next earnings: 2027-01-20, EPS estimate USD 0.48, revenue estimate $64.2M.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $365M | $357M | $312M | $309M | $299M | $301M |
| Net income | $177M | $141M | $101M | -$47.0M | -$138M | -$48.3M |
| EPS (diluted) | $5.52 | $4.39 | $3.31 | -$1.56 | -$4.55 | — |
| Free cash flow | $233M | $193M | $196M | $123M | $20.8M | $52.9M |
| Net margin | 48.4% | 39.5% | 32.2% | -15.2% | -46.1% | -16.1% |
| Revenue growth | -0.6% | -2.3% | -12.5% | -1.1% | -3.1% | — |
| Cash + short-term investments | $1.71B | $312M | $723M | $633M | $696M | — |
| Total debt | $394M | $1.08B | $1.37B | $566M | $76.4M | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)
P/S 3.3x · P/FCF 18.8x · P/B 0.9x · FCF yield 5.31% · Earnings yield -4.85% · Dividend yield (paid, TTM) 0.59%
P/E at fiscal year-ends: Dec 2023 9.1x.

## Analysts
Consensus Hold (mean 2.50 on a 1–5 scale), 6 analysts; mean target USD 33.42 (low 29, high 40).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-07 | Hovde Group | Initiated | Outperform | $37 |
| 2026-06-26 | Piper Sandler | Target raised | Neutral | $29 → $30 |

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-23) | 5Y (from 2021-10-25) |
|---|---|---|
| Total return | +93.1% | -30.2% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | +93.2% | -6.9% |
| Volatility (annualized) | 35.8% | 42.0% |
| Max drawdown | -13.8% (Jan 2026→Mar 2026) | -71.5% (Jan 2022→May 2023) |

## Peers (Banks - Regional)
BBD (Banco Bradesco Sa) USD 3.89 -1.65% · FITB (Fifth Third Bancorp) USD 52.64 -1.11% · DB (Deutsche Bank AG) USD 30.79 -2.19% · TFC (Truist Financial Corporation) USD 48.03 -0.81% · NWG (NatWest Group plc) USD 16.59 -2.35% · NU (Nu Holdings Ltd.) USD 14.63 -0.68%

## More
Full page: https://nexqual.com/EGBN · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Supply chain and relationships (SEC annual reports)

Named in EGBN's own 10-K filed 2026-03-09 (https://www.sec.gov/Archives/edgar/data/1050441/000105044126000021/egbn-20251231.htm):

| Relationship | Company | Sentence in the filing |
|---|---|---|
| Customer | Federal Deposit Insurance | "The banking industry is highly regulated and supervised under federal and state laws and regulations that are intended primarily for the protection of depositors, customers, the public, the banking industry as a whole or…" |

## Company outlook (8-K filed 2026-10-21)

- "Forward-looking statements: This press release contains forward-looking statements within the meaning of the Securities Exchange Act of 1934, as amended, including statements of goals, intentions, and expectations as to future trends, plans, events, financial condition, asset quality or results of Company operations and policies and regarding general economic conditions."
- "For details on factors that could affect these expectations, see the risk factors and other cautionary language included in the Company's Annual Report on Form 10-K for the year ended December 31, 2025 and in other periodic and current reports filed with the SEC, including the Company's Quarterly Reports on Form 10-Q."

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2026-12-31) | $0.48 | $0.56 | -15.5% | $64.2M | 5 |
| Next quarter (ends 2027-03-31) | $0.56 | $0.56 | -1.8% | $63.9M | 4 |
| Current fiscal year (ends 2026-12-31) | $1.72 | $1.82 | -5.8% | $252.9M | 6 |
| Next fiscal year (ends 2027-12-31) | $2.53 | $2.61 | -3.2% | $265.7M | 5 |