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Upturn AI Summary - About
Eagle Bancorp Inc(EGBN)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for EGBN
09/28/2026: EGBN (2-star) is currently NOT-A-BUY. Pass it for now.
Eagle Bancorp Inc is a regional bank holding company focused on providing commercial and retail banking services in the Washington, D.C. metropolitan area. The company has a leading position in its local niche, benefiting from strong relationships with businesses and professionals within the DMV region. Its primary growth story revolves around capitalizing on regional economic activity and specialized lending. However, investors should be aware of risks such as geographic concentration, interest rate sensitivity, and competition from much larger national banks. The stock may suit value and dividend-focused investors, provided they monitor regional economic health and net interest margin trends carefully.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely tied to regional economic trends rather than rapid expansion. |
| Momentum investor | Weak fit | Stock movement is often tied to sectoral trends in banking rather than rapid upward momentum. |
| Value investor | Strong fit | Regional banks often trade at valuations reflective of tangible book value, which may appeal to value investors. |
| Dividend investor | Strong fit while signal remains positive | The company has a history of paying dividends, providing consistent income potential. |
| Low-risk investor | Mixed fit | Banking stocks involve inherent risks related to interest rates and credit cycles, which may not suit very conservative portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Bank stocks are sensitive to interest rate policy and market sentiment. |
| Valuation risk | Medium | The stock price can fluctuate based on perceived credit quality and market interest rates. |
| Competition risk (Banking sector) | High | Competition from large national banks limits pricing power. |
| Business quality | Medium | Profitability is highly dependent on net interest margins and credit management. |
| Dividend income | Medium | Dividends are subject to board discretion and regulatory capital requirements. |
| Execution risk | Medium | Successfully managing loan quality during economic shifts is vital for performance. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -0.36% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 870.01M USD | Price to earnings Ratio - | 1Y Target Price 30.8 |
Price to earnings Ratio - | 1Y Target Price 30.8 | ||
Volume (30-day avg) 276.0K shares | Beta 0.95 | 52 Weeks Range 15.01 - 29.28 | Updated Date 09/27/2026 |
52 Weeks Range 15.01 - 29.28 | Updated Date 09/27/2026 | ||
Dividends yield (FY) 0.14% | Basic EPS (TTM) -1.59 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | The bank makes most of its money from the spread between loan interest income and deposit costs. |
| Fee-based Income | Service charges, treasury management fees, and loan-related fees. | Additional revenue generated from banking services and transactional fees. |
| Geography: DMV Region | Primary operations in D.C., Maryland, and Virginia. | The company's success is heavily tied to the local economy of the D.C. area. |
Valuation
Trailing PE - | Forward PE 12.84 | Enterprise Value 468.65M | Price to Sales(TTM) 6.27 |
Enterprise Value 468.65M | Price to Sales(TTM) 6.27 | ||
Enterprise Value to Revenue 3.55 | Enterprise Value to EBITDA - | Shares Outstanding 30.48M | Shares Floating 26.10M |
Shares Outstanding 30.48M | Shares Floating 26.10M | ||
Percent Insiders 8.17 | Percent Institutions 80.39 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Eagle Bancorp Inc
Exchange NASDAQ | Headquarters Bethesda, MD, United States | ||
IPO Launch date 1998-07-31 | President, CEO & Director Mr. Stephen R. Curley | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 475 | Website https://www.eaglebankcorp.com |
Full time employees 475 | 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. 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.
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