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Upturn AI SWOT - About
EGBN 
Eagle Bancorp Inc (EGBN)
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Upturn Advisory Summary
08/28/2025: EGBN (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $20.06
1 Year Target Price $20.06
| 0 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 4.04% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 584.60M USD | Price to earnings Ratio - | 1Y Target Price 20.06 |
Price to earnings Ratio - | 1Y Target Price 20.06 | ||
Volume (30-day avg) 4 | Beta 1.08 | 52 Weeks Range 15.31 - 30.17 | Updated Date 08/28/2025 |
52 Weeks Range 15.31 - 30.17 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 3.40% | Basic EPS (TTM) -1.02 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -26.54% | Operating Margin (TTM) 153.85% |
Management Effectiveness
Return on Assets (TTM) -0.28% | Return on Equity (TTM) -2.63% |
Valuation
Trailing PE - | Forward PE 12.84 | Enterprise Value 511295968 | Price to Sales(TTM) 5.01 |
Enterprise Value 511295968 | Price to Sales(TTM) 5.01 | ||
Enterprise Value to Revenue 2.48 | Enterprise Value to EBITDA - | Shares Outstanding 30369000 | Shares Floating 27702892 |
Shares Outstanding 30369000 | Shares Floating 27702892 | ||
Percent Insiders 8.37 | Percent Institutions 77.94 |
Upturn AI SWOT
Eagle Bancorp Inc
Company Overview
History and Background
Eagle Bancorp, Inc. was founded in 1998 in Bethesda, Maryland. It has grown organically and through acquisitions to become one of the largest community banks in the Washington, D.C. metropolitan area.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to small and medium-sized businesses, including commercial real estate loans, working capital lines of credit, and equipment financing.
- Retail Banking: Offers deposit accounts, mortgage loans, and other consumer financial services to individuals and families.
- Wealth Management: Provides investment advisory services and financial planning to high-net-worth individuals.
Leadership and Structure
Ronald D. Paul serves as the Chairman and CEO. The company has a board of directors and operates through various regional banking divisions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data is difficult to ascertain precisely, but EagleBank is a significant player in the DC metro area. Competitors include other regional and national banks like PNC, Bank of America, and local credit unions.
- Small Business Lending: Offers various loan products tailored to small businesses. Market share data is limited, but EagleBank competes with community banks and online lenders such as Live Oak Bank and Funding Circle.
- Deposit Accounts: Includes checking, savings, and money market accounts for businesses and individuals. Market share varies by region. Competitors are numerous, including national banks such as Chase and Wells Fargo, and online banks like Ally Bank.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Consolidation is a continuing trend. The industry is also highly dependent on macro-economic factors like inflation.
Positioning
Eagle Bancorp Inc. positions itself as a relationship-focused community bank, differentiating itself through personalized service and local market expertise.
Total Addressable Market (TAM)
The TAM for banking services in the Washington, D.C. metropolitan area is estimated to be in the billions of dollars. Eagle Bancorp's market capitalization suggests they capture a small-medium percentage of this TAM. It is positioned to capture a portion of market by focusing on relationship based lending.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Experienced management team
- Relationship-focused banking approach
- Solid asset quality
Weaknesses
- Geographic concentration in the Washington, D.C. area
- Higher operating expenses relative to larger banks
- Sensitivity to interest rate fluctuations
- Exposure to commercial real estate market risks
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Potential acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates impacting loan demand
- Economic downturn affecting loan quality
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BANC
- CFBK
- WSBF
Competitive Landscape
Eagle Bancorp Inc. faces competition from larger national banks and smaller community banks. Its competitive advantage lies in its local market expertise and personalized service.
Major Acquisitions
Virginia Heritage Bank
- Year: 2014
- Acquisition Price (USD millions): 86
- Strategic Rationale: Expanded Eagle Bancorp's presence in Northern Virginia.
Growth Trajectory and Initiatives
Historical Growth: Eagle Bancorp Inc. has experienced moderate growth over the past several years, driven by organic growth and strategic acquisitions.
Future Projections: Analyst estimates suggest continued moderate growth, with potential for increased profitability through cost management and revenue diversification.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion of wealth management services.
Summary
Eagle Bancorp, Inc. demonstrates steady but not exponential growth with strong local market knowledge being key. Financial performance has been variable and the company should watch out for increasing competition and cybersecurity. Investments in digital banking and wealth management can serve as good catalysts. Solid asset quality supports the banku2019s stability and moderate growth trajectory.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Website
- Analyst Reports
- FDIC Data
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share data is based on estimates and may not be precise. Financial data is from publicly available sources and is subject to change.
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 | CEO - | ||
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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