Start here if you're new
what it is
Eagle Bancorp runs a regional bank that makes loans to businesses and offers standard banking services to local consumers.
how it gets paid
Last year Eagle Bancorp made $604M in revenue. commercial real estate lending was the main engine at $247M, or 41% of sales.
why growth slowed
Revenue fell 12.1% last year. Revenue was $455M, up 203% vs. prior year from the supplied EDGAR data, but EPS deteriorated sharply vs. prior year — check dollar EPS in the filing rather than headline vs. prior year %.
what just happened
The latest reported quarter swung to EPS of -$4.47 on $455M of revenue, a brutal contrast with the prior year's $0.50 quarter.
At a glance
B balance sheet — gets the job done, barely
25/100 earnings predictability — expect surprises
0.2% dividend yield — cash in your pocket every quarter
$1.16 fy2024 eps est
$6M fy2024 rev est
xvary composite: 45/100 — below average
What they do
Eagle Bancorp runs a regional bank that makes loans to businesses and offers standard banking services to local consumers.
This is a relationship bank, not a giant app with a mascot. It serves business and professional clients through 12 offices across Maryland, Washington, D.C., and Northern Virginia, so your edge is local access when a borrower wants a real person. With 451 employees focused on one dense market, proximity is the product.
How they make money
$604M
annual revenue · their business grew -12.1% last year
commercial real estate lending
$247M
commercial & industrial lending
$163M
construction lending
$97M
consumer banking & heloc
$61M
fees & other banking services
$36M
The products that matter
lending spread income
Net interest income
$284M · 47% of reported mix
this is the core banking engine — the spread between what the bank earns on loans and pays on deposits — and it fell 12.1% from last year.
pressure point
fees and other banking income
Non-interest income
$320M · 53% of reported mix
this $320M line was flat, which matters because it kept the reported revenue mix from getting even weaker.
stabilizer
deposit funding base
Consumer and business deposits
$696M cash · $76M debt
the balance sheet shows $696M in cash against $76M in long-term debt. that gives you liquidity. it does not solve an earnings problem by itself.
liquidity
Key numbers
$1.16
fy2024 eps est
$6M
fy2024 rev est
n/a
trailing p/e
0.2%
dividend yield
Financial health
B
strength
- balance sheet grade B — adequate — nothing special
- risk rank 4 — safer than 20% of stocks
- price stability 30 / 100
- long-term debt $76M (9% of capital)
B — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for EGBN right now.
source: institutional data · return history unavailable
What just happened
missed estimates
The latest reported quarter swung to EPS of -$4.47 on $455M of revenue, a brutal contrast with the prior year's $0.50 quarter.
Revenue was $455M, up 203% vs. prior year from the supplied EDGAR data, but EPS moved much worse vs. prior year — vs. prior year % around breakeven is noise; use the filing quarters. Jargon: EPS → profit per share → so what: more revenue did not save shareholders from a loss.
$455M
revenue
$4.47
eps
+203%
revenue vs. last year
the number that mattered
The number that mattered was -$4.47 EPS because banks live on credit quality, and a loss that large overwhelms any comfort from headline revenue.
source: EDGAR data provided, latest quarter
Get this snapshot in your inbox
This page, delivered free — plus weekly updates when the numbers change. plain english, no spam.
weekly updates
earnings alerts
plain english
no spam
What could go wrong
the top risk is the earnings recovery stalling after one profitable quarter.
high
the turnaround never becomes a trend
q4 produced $7.6M of net income, but the year still ended at -$4.21 per share. one quarter is a data point, not proof.
if earnings stay inconsistent, the entire recovery case built into the $2.87 2027 EPS forecast starts looking optimistic.
high
net interest income keeps shrinking
$284M of net interest income makes up 47% of the reported revenue mix, and it fell 12.1% from last year.
if the core lending spread keeps compressing, a regional bank with no moat has fewer ways to grow out of trouble.
med
regional concentration in the washington, d.c. market
you own a bank tied primarily to one metro area. that means local credit conditions matter more here than they would at a national lender.
a weaker local market would hit loan demand, credit quality, and the return on that $1.1B equity base all at once.
med
low earnings predictability means you should expect noise
a 25/100 predictability score is the market's way of saying this income statement has not earned the benefit of the doubt.
volatile quarters make it harder for investors to trust forward EPS numbers, and banks that lose trust rarely get premium valuations.
if profitability doesn't normalize, you're left owning a $737M regional bank with -$4.21 in trailing EPS and a 0.2% yield that barely pays you to wait.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings date
q1 2026 earnings on april 22, 2026
this is the next real test. if q4 was a one-off bounce, it will show up quickly.
core metric
net interest income
$284M and down 12.1% is the problem line. for a bank, this is the engine room.
risk
whether local credit stress shows up in results
a D.C.-centric lender does not get the luxury of broad geographic diversification. local weakness travels straight into the loan book.
trend
whether quarterly numbers start bridging toward $2.87 EPS
the 2027 forecast only matters if the next few quarters stop looking erratic and start looking repeatable.
Analyst rankings
earnings predictability
25 / 100
in human-speak, analysts do not trust this earnings stream to stay smooth.
risk rank
4
that means the stock is considered safer than 20% of names in the dataset. not catastrophic, but not comfort food either.
source: institutional data
Institutional activity
institutional ownership data for EGBN is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$23
current price
n/a
target midpoint · n/a from current
Want the deeper analysis?
The full deep dive: dcf model, scenario analysis, competitive moat breakdown, and quarterly tracking — everything on this page, taken further.
see plans from $5/moThe deep dive