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Eagle Bancorp, Inc. operates as the bank holding company for EagleBank that provides commercial and consumer banking services primarily in the United States. The provide deposit services including business and personal checking accounts; and other deposit 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. It 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; and personal credit cards. In addition, the company provides online and mobile banking services; insurance products and services through a referral program; and treasury management services. The company serves sole proprietors, small, medium, and middle-sized businesses, partnerships, corporations, and non-profit organizations and associations, as well as investors. Eagle Bancorp, Inc. was incorporated in 1997 and is headquartered in Bethesda, Maryland.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $299M | - | $-138M | $21M | -12.2% | -3.1% | 193.5% |
| 2024 | $309M | - | $-47M | $123M | -3.8% | -1.1% | -146.8% |
| 2023 | $312M | - | $101M | $196M | 7.9% | -12.5% | -28.7% |
| 2022 | $357M | - | $141M | $193M | 11.5% | - | - |
| 2021 | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 356.52 | 312.08 | 308.63 | 299.20 |
| Operating Revenue | - | 356.52 | 312.08 | 308.63 | 299.20 |
| Selling General And Administration | - | 93.74 | 101.31 | 122.23 | 124.29 |
| Interest Income | - | 424.61 | 625.33 | 687.56 | 604.48 |
| Interest Expense | - | 91.75 | 334.78 | 398.88 | 334.60 |
| Net Interest Income | - | 332.87 | 290.55 | 288.69 | 269.89 |
| Pretax Income | - | 189.68 | 127.52 | -30.24 | -196.18 |
| Tax Provision | - | 48.75 | 26.99 | 16.80 | -58.13 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | 0 | -21.88 | -2.96 |
| Net Income Continuous Operations | - | 140.93 | 100.53 | -47.04 | -138.05 |
| Net Income From Continuing And Discontinued Operation | - | 140.93 | 100.53 | -47.04 | -138.05 |
| Net Income From Continuing Operation Net Minority Interest | - | 140.93 | 100.53 | -47.04 | -138.05 |
| Net Income | - | 140.93 | 100.53 | -47.04 | -138.05 |
| Net Income Common Stockholders | - | 140.93 | 100.53 | -47.04 | -138.05 |
| Net Income Including Noncontrolling Interests | - | 140.93 | 100.53 | -47.04 | -138.05 |
| Normalized Income | - | 140.93 | 100.53 | 35.26 | -131.01 |
| Diluted NI Availto Com Stockholders | - | 140.93 | 100.53 | -47.04 | -138.05 |
| Basic Average Shares | - | 32.03 | 30.35 | 30.16 | 30.35 |
| Diluted Average Shares | - | 32.10 | 30.40 | 30.20 | 30.35 |
| Reconciled Depreciation | - | 3.32 | 3.48 | 3.20 | 2.95 |
| Total Unusual Items | - | 0 | 0 | -104.17 | -10 |
| Total Unusual Items Excluding Goodwill | - | 0 | 0 | -104.17 | -10 |
| Special Income Charges | - | 0 | 0 | -104.17 | -10 |
| Other Special Charges | - | - | - | - | 10 |
| Impairment Of Capital Assets | - | 0 | 0 | 104.17 | 0 |
| Gain On Sale Of Security | - | -0.17 | -0.01 | 0.01 | -3.82 |
| General And Administrative Expense | - | 89.02 | 97.95 | 116.78 | 119.27 |
| Other Gand A | 11.71 | - | - | - | - |
| Salaries And Wages | - | 84.05 | 86.10 | 87.77 | 87.86 |
| Insurance And Claims | - | 4.97 | 11.85 | 29.01 | 31.41 |
| Selling And Marketing Expense | - | 4.72 | 3.36 | 5.45 | 5.02 |
| Occupancy And Equipment | - | 13.22 | 12.61 | 11.38 | 12.03 |
| Professional Expense And Contract Services Expense | - | 8.58 | 10.79 | 9.29 | 10.17 |
| Other Non Interest Expense | - | 49.55 | 28.59 | 27.57 | 44.17 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Eagle Bancorp, Inc.this co. | EGBN | $828M | -6.00 | 0.73 | -12.2% | - |
| Abacus Global Management, Inc. | ABX | $851M | 23.29 | 2.03 | 8.7% | 11.11 |
| First Financial Corporation | THFF | $840M | 10.61 | 1.29 | 12.2% | - |
| Farmers National Banc Corp. | FMNB | $834M | 15.27 | 1.72 | 11.2% | - |
| Root, Inc. | ROOT | $833M | 20.67 |
| - |
| - |
| - |
| - |
| - |
| 2.93 |
| 14.2% |
| - |
| Mid Penn Bancorp, Inc. | MPB | $823M | 14.64 | 1.01 | 6.9% | - |
| Employers Holdings, Inc. | EIG | $811M | 75.12 | 0.85 | 1.1% | - |
| loanDepot, Inc. | LDI | $811M | -12.94 | 3.46 | -26.7% | - |
| First Community Bankshares, Inc. | FCBC | $811M | 16.61 | 1.62 | 9.7% | - |
| Peer Median | - | 15.94 | 1.67 | 9.2% | 11.11 | |