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Earnings transcript
Read the complete earnings call transcript.
EGBN
Eagle Bancorp, Inc.
$25.56
0.21
(0.83%)
| Exchange: | NASDAQ |
| Market Cap: | 776.289M |
| Shares Outstanding: | 5.911M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Susan G. Riel | |||||
| Full Time Employees: | 451 | |||||
| Address: |
| |||||
| Website: | https://www.eaglebankcorp.com |
Eagle Bancorp, Inc. operates as the bank holding company for EagleBank that provides commercial and consumer banking services primarily in the United States. 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, the company offers 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, 2021, it operated seventeen banking offices comprising 6 in Suburban Maryland, 5 in the District of Columbia, and 6 in Northern Virginia. Eagle Bancorp, Inc. was incorporated in 1997 and is headquartered in Bethesda, Maryland.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 646,863 | 707,502 | 634,258 |
| Gross Profit | 280,813 | 244,394 | 20,142 |
| EBITDA | 131,000 | -27,042 | -168,202 |
| Operating Income | 127,520 | -30,240 | -170,513 |
| Net Income | 100,534 | -47,035 | -128,052 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 11,664,538 | 11,129,508 | 10,497,203 |
| Total Liabilities | 10,390,255 | 9,903,447 | 9,355,920 |
| Total Stockholders Equity | 1,274,283 | 1,226,061 | 1,141,283 |
| Total Debt | 1,493,661 | 623,080 | 146,940 |
| Cash and Cash Equivalents | 718,944 | 630,899 | 0 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 195,626 | 123,770 | 10 |
| Capital Expenditure | -70 | -326 | 0 |
| Free Cash Flow | 195,556 | 123,444 | 10 |
| Net Income | 100,534 | -47,035 | -128,052 |
| Net Change in Cash | 410,830 | -89,204 | -14,868 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 311,152.034 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 337,987.146 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 320,754.375 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 57,947.317 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 62,944.947 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 59,735.606 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 77,189.949 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 85,637.098 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 80,551.800 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 54,560.829 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 59,266.393 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 56,244.609 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 2.660 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 2.830 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 2.550 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 4 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 4 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Established Market Position: Eagle Bancorp, Inc. operates within the banking industry under the financial services sector, with a solid market capitalization and a consistent presence as indicated by its company profile metrics. Its operational scale, supported by a significant number of full-time employees, positions it as a notable player in its market.
- Positive Historical Performance Trends: Performance data over multiple time frames (1-week, 1-month, 3-month, 6-month, 1-year, and 5-year) suggests a stable or potentially upward trajectory in stock performance, aligning with or outperforming industry and sector averages in certain periods.
- Operational Cash Flow Stability: Cash flow statements reflect consistent net cash provided by operating activities, indicating a reliable ability to generate cash from core operations, which supports ongoing business sustainability and potential reinvestment.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates EGBN intrinsic value between $57.01 – $60.23 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about EGBN valuation
Is Eagle Bancorp, Inc. (EGBN) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Eagle Bancorp, Inc. (EGBN) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is EGBN a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether EGBN trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is EGBN’s P/E ratio?
You can see EGBN’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for EGBN?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is EGBN a good long-term investment?
Whether EGBN fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
EGBN
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Daily snapshot
0.83
Trading Metrics:
| Open: | 24.84 | Previous Close: | 25.35 | |
| Day Low: | 24.83 | Day High: | 25.58 | |
| Year Low: | 15.03 | Year High: | 29.26 | |
| Price Avg 50: | 25.73 | Price Avg 200: | 21.04 | |
| Volume: | 143213 | Average Volume: | 364824 |
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Login — it's freeEGBN full analysis
Welcome to MARKETSNAP’s SWOT analysis for Eagle Bancorp, Inc., also known by its ticker EGBN. If you’re a long-term investor looking to build wealth through smart stock picks, you’re in the right place. Today, we’re diving deep into this regional banking player to uncover what makes it tick, what’s holding it back, and where it might be headed. So, grab a coffee, and let’s break it down together. First, a quick snapshot of who we’re dealing with. Eagle Bancorp, Inc.…
