NASDAQ : EGBN
Eagle Bancorp, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 33.28 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 1.01B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 437.88M | 494.81M | 548.39M | 518.08M | 358.97M | 337.75M |
| Interest Income on Investments | 91.25M | 109.67M | 139.17M | 107.25M | 65.65M | 26.75M |
| Total Interest Income | 529.13M | 604.48M | 687.56M | 625.33M | 424.61M | 364.50M |
| Interest Paid on Deposits | 265.15M | 314.65M | 320.42M | 257.54M | 83.26M | 27.77M |
| Interest Paid on Borrowings | 8.33M | 19.94M | 78.45M | 77.24M | 8.48M | 12.21M |
| Total Interest Expense | 273.47M | 334.60M | 398.88M | 334.78M | 91.75M | 39.98M |
| Net Interest Income | 255.66M | 269.89M | 288.69M | 290.55M | 332.87M | 324.51M |
| Gain (Loss) on Sale of Investments | 299.00K | -3.82M | 14.00K | -11.00K | -169.00K | 2.96M |
| Other Non-Interest Income | 33.12M | 30.69M | 13.03M | 14.67M | 14.72M | 18.81M |
| Total Non-Interest Income | 45.22M | 29.31M | 19.94M | 21.54M | 23.65M | 40.38M |
| Revenues Before Loan Losses | 300.88M | 299.19M | 308.63M | 312.08M | 356.52M | 364.90M |
| Provision for Loan Losses | 51.55M | 294.72M | 64.23M | 31.27M | 1.74M | -21.94M |
| Revenue | 249.33M | 4.47M | 244.39M | 280.81M | 354.78M | 386.84M |
| Salaries and Employee Benefits | 90.83M | 80.81M | 78.21M | 76.08M | 74.15M | 80.59M |
| Occupancy Expenses | 5.44M | 4.23M | 4.60M | 12.61M | 13.22M | 14.88M |
| Federal Deposit Insurance | 22.39M | 31.41M | 29.01M | 11.85M | 4.97M | 5.90M |
| Selling, General & Administrative | 49.28M | 46.60M | 45.17M | 37.25M | 35.37M | 35.20M |
| Other Non-Interest Expense | 41.76M | 37.60M | 13.48M | 15.51M | 37.38M | 12.61M |
| Total Non-Interest Expense | 209.71M | 200.66M | 170.47M | 153.29M | 165.10M | 149.16M |
| EBT Excluding Unusual Items | 39.62M | -196.18M | 73.93M | 127.52M | 189.68M | 237.67M |
| Pretax Income | 39.62M | -196.18M | -30.24M | 127.52M | 189.68M | 237.67M |
| Income Tax Expense | -3.82M | -58.13M | 16.80M | 26.99M | 48.75M | 60.98M |
| Net Income | 43.44M | -138.05M | -47.03M | 100.53M | 140.93M | 176.69M |
| Net Income to Common | 43.44M | -138.05M | -47.03M | 100.53M | 140.93M | 176.69M |
| Basic Shares Outstanding | 30.41M | 30.35M | 30.16M | 30.35M | 32.00M | 31.94M |
| Diluted Shares Outstanding | 30.50M | 30.35M | 30.16M | 30.39M | 32.08M | 32.00M |
| EPS (Basic) | 1.43 | -4.55 | -1.56 | 3.31 | 4.40 | 5.53 |
| EPS (Diluted) | 1.42 | -4.55 | -1.56 | 3.31 | 4.39 | 5.52 |
| Dividend Per Share | 0.04 | 0.35 | 1.23 | 1.80 | 1.75 | 1.40 |
| Effective Tax Rate | 21.16% | 25.70% | 25.66% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 13.64M | 695.69M | 633.48M | 722.68M | 311.85M | 1.71B |
| Investment Securities | 2.22B | 1.24B | 1.53B | 1.75B | 1.82B | 945.74M |
| Trading Asset Securities | 24.33M | 31.59M | 30.66M | 31.13M | 5.91M | |
| Mortgage-Backed Securities | 629.05M | 674.26M | 776.92M | 870.72M | 1.68B | |
| Total Investments | 2.22B | 1.89B | 2.24B | 2.55B | 2.72B | 2.63B |
| Gross Loans | 6.56B | 7.30B | 7.95B | 8.00B | 7.66B | 7.09B |
| Allowance for Loan Losses | -120.78M | -159.60M | -114.39M | -85.94M | -74.44M | -74.97M |
| Other Adjustments to Gross Loans | -17.60M | -18.80M | -27.00M | -29.20M | -26.90M | |
| Net Loans | 6.44B | 7.12B | 7.82B | 7.88B | 7.56B | 6.99B |
| Property, Plant & Equipment | 41.66M | 41.25M | 26.19M | 29.32M | 38.02M | 45.11M |
| Goodwill | 104.17M | 104.17M | 104.17M | |||
| Other Intangible Assets | 720.00K | |||||
| Loans Held for Sale | 13.53M | 90.65M | 6.73M | 47.22M | ||
| Accrued Interest Receivable | 35.90M | 42.90M | 52.90M | 51.30M | 6.00M | |
| Long-Term Deferred Tax Assets | 140.39M | 132.33M | 91.47M | 86.62M | 96.57M | 43.17M |
| Other Real Estate Owned & Foreclosed | 2.06M | 2.74M | 1.11M | 1.96M | 1.64M | |
| Other Long-Term Assets | 594.40M | 484.48M | 274.58M | 231.47M | 255.89M | 265.83M |
| Total Assets | 9.46B | 10.50B | 11.13B | 11.66B | 11.15B | 11.85B |
| Interest Bearing Deposits | 6.48B | 6.23B | 5.88B | 5.00B | 5.04B | 6.55B |
| Institutional Deposits | 1.47B | 1.71B | 1.53B | 517.78M | 152.46M | |
| Non-Interest Bearing Deposits | 1.55B | 1.43B | 1.54B | 2.28B | 3.15B | 3.28B |
| Total Deposits | 8.03B | 9.13B | 9.13B | 8.81B | 8.71B | 9.98B |
| Short-Term Borrowings | 23.94M | 552.27M | 1.36B | 1.04B | 329.19M | |
| Current Portion of Long-Term Debt | 69.92M | |||||
| Current Portion of Leases | 4.73M | |||||
| Long-Term Debt | 76.68M | 76.43M | 76.11M | 69.79M | 69.67M | |
| Long-Term Leases | 34.05M | 30.53M | 23.82M | 23.24M | 29.27M | 35.50M |
| Other Long-Term Liabilities | 161.17M | 96.69M | 120.18M | 127.92M | 70.12M | 80.64M |
| Total Liabilities | 8.31B | 9.37B | 9.90B | 10.39B | 9.92B | 10.50B |
| Common Stock | 302.00K | 300.00K | 298.00K | 296.00K | 310.00K | 316.00K |
| Additional Paid-In Capital | 388.40M | 382.50M | 384.93M | 374.89M | 412.30M | 434.64M |
| Retained Earnings | 882.49M | 837.64M | 982.30M | 1.06B | 1.02B | 930.06M |
| Comprehensive Income & Other | -112.80M | -89.16M | -141.47M | -162.36M | -199.51M | -14.24M |
| Shareholders' Equity | 1.16B | 1.13B | 1.23B | 1.27B | 1.23B | 1.35B |
| Total Liabilities & Equity | 9.46B | 10.50B | 11.13B | 11.66B | 11.15B | 11.85B |
| Total Debt | 110.72M | 135.63M | 652.19M | 1.45B | 1.14B | 434.36M |
| Net Cash (Debt) | 431.54M | 584.40M | 12.88M | -700.95M | -796.24M | 1.29B |
| Net Cash Per Share | 14.15 | 19.26 | 0.43 | -23.06 | -24.82 | 40.18 |
| Filing Date Shares Outstanding | 30.48M | 30.36M | 30.20M | 29.93M | 30.95M | 31.95M |
| Total Common Shares Outstanding | 30.48M | 30.36M | 30.20M | 29.93M | 31.35M | 31.95M |
| Book Value Per Share | 38.00 | 37.26 | 40.60 | 42.58 | 39.18 | 42.28 |
| Tangible Book Value | 1.16B | 1.13B | 1.23B | 1.17B | 1.12B | 1.25B |
| Tangible Book Value Per Share | 38.00 | 37.26 | 40.60 | 39.08 | 35.86 | 39.02 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -138.05M | -47.03M | 100.53M | 140.93M | 176.69M | |
| Depreciation & Amortization | 2.95M | 3.20M | 3.48M | 3.32M | 5.87M | |
| Gain (Loss) on Sale of Assets | -1.65M | -1.51M | 8.00K | -1.08M | -1.95M | |
| Gain (Loss) on Sale of Investments | 8.32M | 5.40M | 6.20M | 9.18M | 1.07M | |
| Total Asset Writedown | 104.17M | |||||
| Provision for Credit Losses | 293.10M | 66.36M | 31.54M | 266.00K | -20.82M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | -57.00K | 6.73M | 44.19M | 55.03M | ||
| Change in Other Net Operating Assets | -86.70M | -16.79M | 40.76M | -16.13M | 24.12M | |
| Other Operating Activities | -56.51M | 474.00K | -3.64M | 8.04M | 4.65M | |
| Operating Cash Flow | 28.50M | 123.77M | 195.63M | 194.90M | 238.44M | |
| Capital Expenditures | -7.73M | -326.00K | -70.00K | -2.11M | -5.29M | |
| Investment in Securities | 435.96M | 338.61M | 213.24M | -323.65M | -1.51B | |
| Purchase / Sale of Intangibles | 4.80M | |||||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | 303.00M | -6.98M | -351.91M | -570.98M | 681.27M | |
| Other Investing Activities | -160.79M | -25.36M | 41.04M | -30.34M | -19.43M | |
| Investing Cash Flow | 570.43M | 310.74M | -97.70M | -927.08M | -857.92M | |
| Short-Term Debt Issued | 2.57M | 325.00M | 686.18M | |||
| Long-Term Debt Issued | 75.81M | |||||
| Total Debt Issued | 78.38M | 325.00M | 686.18M | |||
| Short-Term Debt Repaid | -523.16M | -880.00M | -4.51M | -202.81M | ||
| Total Debt Repaid | -523.16M | -880.00M | -4.51M | -202.81M | ||
| Net Debt Issued (Repaid) | -523.16M | -801.62M | 320.49M | 686.18M | -202.81M | |
| Issuance of Common Stock | 436.00K | 485.00K | 586.00K | 845.00K | 496.00K | |
| Repurchase of Common Stock | -48.03M | -33.09M | -682.00K | |||
| Common Dividends Paid | -15.31M | -45.62M | -54.99M | -55.78M | -44.69M | |
| Total Dividends Paid | -15.31M | -45.62M | -54.99M | -55.78M | -44.69M | |
| Net Increase (Decrease) in Deposit Accounts | 2.53M | 323.04M | 94.86M | -1.27B | 792.34M | |
| Other Financing Activities | -1.21M | |||||
| Financing Cash Flow | -536.72M | -523.71M | 312.90M | -670.19M | 544.65M | |
| Net Cash Flow | 62.21M | -89.20M | 410.83M | -1.40B | -74.83M | |
| Free Cash Flow | 20.76M | 123.44M | 195.56M | 192.79M | 233.15M | |
| Free Cash Flow Margin | 464.37% | 50.51% | 69.64% | 54.34% | 60.27% | |
| Free Cash Flow Per Share | 0.68 | 4.09 | 6.43 | 6.01 | 7.29 | |
| Cash Interest Paid | 342.47M | 438.22M | 376.84M | 90.59M | 30.99M | |
| Cash Income Tax Paid | 1.46M | 8.21M | 21.54M | 23.45M | 54.36M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.01B | 650.55M | 786.15M | 901.98M | 1.41B | 1.86B |
| Last Close Price | 33.28 | 21.40 | 25.34 | 27.52 | 37.68 | 48.25 |
| PE Ratio | 23.39 | 8.97 | 9.98 | 10.55 | ||
| PS Ratio | 4.07 | 145.50 | 3.22 | 3.21 | 3.96 | 4.82 |
| PB Ratio | 0.88 | 0.57 | 0.64 | 0.71 | 1.15 | 1.38 |
| P/FCF Ratio | 19.19 | 31.33 | 6.37 | 4.61 | 7.30 | 8.00 |
| P/OCF Ratio | 16.58 | 22.83 | 6.35 | 4.61 | 7.22 | 7.82 |
| Debt / Equity Ratio | 0.10 | 0.12 | 0.53 | 1.14 | 0.93 | 0.32 |
| Debt / FCF Ratio | 6.53 | 5.28 | 7.44 | 5.91 | 1.86 | |
| Net Debt / Equity Ratio | -0.37 | -0.52 | -0.01 | 0.55 | 0.65 | -0.95 |
| Net Debt / FCF Ratio | -28.15 | -0.10 | 3.58 | 4.13 | -5.51 | |
| Return on Equity (ROE) | 3.81% | -11.71% | -3.76% | 8.03% | 10.93% | 13.63% |
| Return on Assets (ROA) | 0.43% | -1.28% | -0.41% | 0.88% | 1.23% | 1.54% |
| Earnings Yield | 4.28% | -21.22% | -5.98% | 11.15% | 10.02% | 9.48% |
| FCF Yield | 5.21% | 3.19% | 15.70% | 21.68% | 13.71% | 12.51% |
| Dividend Yield | 0.12% | 1.63% | 4.72% | 5.97% | 3.90% | 2.40% |
| Payout Ratio | 2.81% | 54.70% | 39.58% | 25.29% | ||
| Buyback Yield / Dilution | -0.63% | -0.63% | 0.78% | 5.25% | -0.23% | 1.11% |
| Total Shareholder Return | -0.51% | 1.00% | 5.50% | 11.22% | 3.67% | 3.51% |