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Upturn AI SWOT - About
EGBN 
Eagle Bancorp Inc (EGBN)
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Upturn Advisory Summary
06/27/2025: EGBN (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
4 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $21.25
1 Year Target Price $21.25
| 0 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 29.94% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 563.80M USD | Price to earnings Ratio - | 1Y Target Price 21.25 |
Price to earnings Ratio - | 1Y Target Price 21.25 | ||
Volume (30-day avg) 4 | Beta 1.03 | 52 Weeks Range 16.68 - 30.48 | Updated Date 06/30/2025 |
52 Weeks Range 16.68 - 30.48 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 3.56% | Basic EPS (TTM) -1.49 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -18.04% | Operating Margin (TTM) 23.82% |
Management Effectiveness
Return on Assets (TTM) -0.39% | Return on Equity (TTM) -3.6% |
Valuation
Trailing PE - | Forward PE 12.84 | Enterprise Value 521451328 | Price to Sales(TTM) 2.26 |
Enterprise Value 521451328 | Price to Sales(TTM) 2.26 | ||
Enterprise Value to Revenue 3.84 | Enterprise Value to EBITDA - | Shares Outstanding 30377400 | Shares Floating 29235807 |
Shares Outstanding 30377400 | Shares Floating 29235807 | ||
Percent Insiders 3.31 | Percent Institutions 79.57 |
Analyst Ratings
Rating 2 | Target Price 21.25 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Eagle Bancorp Inc
Company Overview
History and Background
Eagle Bancorp, Inc. was founded in 1998 with the vision of creating a community bank focused on serving the needs of businesses and individuals in the Washington, D.C. metropolitan area. It has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, including term loans, lines of credit, and commercial real estate financing, along with deposit accounts and cash management services.
- Retail Banking: Provides personal banking services such as checking and savings accounts, mortgages, and consumer loans. Focuses on building relationships with individual customers.
- Wealth Management: Offers wealth management and investment advisory services to individuals and families.
Leadership and Structure
The company is led by a board of directors and a management team consisting of executives in areas such as finance, lending, and operations. Susan G. Riel is the President and CEO. The structure is hierarchical, with various departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial real estate loans are a significant portion of Eagle Bancorp's lending portfolio. Market share data for this specific product isn't publicly broken out, but EagleBank is a major player in the DC metro area. Competitors include local and regional banks like PNC, M&T Bank, and Truist.
- Commercial and Industrial (C&I) Loans: C&I loans cater to businesses for working capital, equipment financing, etc. Specific market share is not disclosed. Competitors include Bank of America, Wells Fargo, and other regional players.
- Deposit Accounts: Checking, savings, and money market accounts serve as a core product for attracting customer funds. No specific market share information is available. Competitors include all major banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive, influenced by interest rates, economic conditions, and technological advancements. It involves intense competition for deposits and loans.
Positioning
Eagle Bancorp is positioned as a community-focused bank that specializes in serving the needs of businesses and individuals in the Washington, D.C. metropolitan area. Its competitive advantage lies in its local market knowledge and strong customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in the DC metro area is substantial (billions of dollars) encompassing all banking activities. Eagle Bancorp is focused on capturing a sizable share through its expertise and local connections.
Upturn SWOT Analysis
Strengths
- Strong local market presence in the DC metro area
- Experienced management team
- Solid asset quality
- Strong relationships with local businesses
Weaknesses
- Geographic concentration (limited diversification)
- Reliance on commercial real estate lending
- Smaller size compared to larger national banks
- Sensitivity to interest rate fluctuations
Opportunities
- Expanding into underserved segments of the local market
- Leveraging technology to enhance customer service
- Acquiring smaller banks or branches
- Growing wealth management business
Threats
- Increased competition from larger banks and online lenders
- Economic downturn in the DC metro area
- Rising interest rates
- Changes in banking regulations
Competitors and Market Share
Key Competitors
- PNC
- MTB
- TFC
Competitive Landscape
Eagle Bancorp competes with larger national and regional banks. Its strengths are its local knowledge and customer service. Its weakness is its smaller size and geographic concentration.
Major Acquisitions
Virginia Heritage Bank
- Year: 2014
- Acquisition Price (USD millions): 84.5
- Strategic Rationale: Expanded market share and branch network in Northern Virginia.
Growth Trajectory and Initiatives
Historical Growth: Growth trends in loans, deposits, and branch network expansion have been key drivers of historical performance. Specific numerical data requires pulling past financials.
Future Projections: Analyst estimates would be sourced from financial data providers and typically factor in economic forecasts, interest rate expectations, and company-specific initiatives.
Recent Initiatives: Recent strategic initiatives undertaken by Eagle Bancorp Inc. such as expansion into new segments, improved marketing campaigns, tech upgrades etc. would be included.
Summary
Eagle Bancorp is a community-focused bank with a strong presence in the DC metro area. Its success is driven by local knowledge and customer relationships. The company faces challenges from larger banks and economic fluctuations. Key to its future is leveraging technology and diversifying its business.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Articles
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market Share numbers are estimates and may not accurately reflect actual values.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Eagle Bancorp Inc
Exchange NASDAQ | Headquaters Bethesda, MD, United States | ||
IPO Launch date 1998-07-31 | Chair, President & CEO Ms. Susan G. Riel | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 451 | Website https://www.eaglebankcorp.com |
Full time employees 451 | 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. 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; personal credit cards; and residential mortgage loans. In addition, the company provides online and mobile banking services; checking and saving 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. Further, the company offers 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.
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