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EGBN 
Eagle Bancorp Inc (EGBN)
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Upturn Advisory Summary
11/05/2025: 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 $19.88
1 Year Target Price $19.88
| 0 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -3.36% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 503.48M USD | Price to earnings Ratio - | 1Y Target Price 19.88 |
Price to earnings Ratio - | 1Y Target Price 19.88 | ||
Volume (30-day avg) 4 | Beta 1.07 | 52 Weeks Range 15.03 - 30.15 | Updated Date 11/8/2025 |
52 Weeks Range 15.03 - 30.15 | Updated Date 11/8/2025 | ||
Dividends yield (FY) 3.10% | Basic EPS (TTM) -1.04 |
Earnings Date
Report Date 2025-10-22 | When After Market | Estimate -0.79 | Actual -2.22 |
Profitability
Profit Margin - | Operating Margin (TTM) 182.85% |
Management Effectiveness
Return on Assets (TTM) -1.09% | Return on Equity (TTM) -10.25% |
Valuation
Trailing PE - | Forward PE 12.84 | Enterprise Value -220940512 | Price to Sales(TTM) 126.69 |
Enterprise Value -220940512 | Price to Sales(TTM) 126.69 | ||
Enterprise Value to Revenue 2.57 | Enterprise Value to EBITDA - | Shares Outstanding 30366555 | Shares Floating 25070324 |
Shares Outstanding 30366555 | Shares Floating 25070324 | ||
Percent Insiders 8.36 | Percent Institutions 84.56 |
Upturn AI SWOT
Eagle Bancorp Inc
Company Overview
History and Background
Eagle Bancorp, Inc. was founded in 1998 with the goal of serving the banking needs of businesses and individuals in the Washington, D.C. metropolitan area. It has grown through organic expansion and strategic acquisitions to become a leading community bank in the region.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products and services to businesses, including commercial real estate financing, business loans, and treasury management services.
- Retail Banking: Offers a variety of personal banking services such as checking and savings accounts, mortgage loans, and consumer loans to individuals and families.
- Wealth Management: Provides wealth management and investment advisory services to high-net-worth individuals and families.
Leadership and Structure
Ronald D. Paul serves as Chairman and CEO. The organizational structure includes various departments such as lending, retail banking, finance, and operations, all reporting to the executive management team.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data for Eagle Bancorp Inc. in the CRE lending market is estimated to be 3-5% in the DC metro area. Competitors include larger national banks and regional players like Sandy Spring Bancorp (SASR).
- Business Loans: Offers loans to small and medium-sized businesses. Market share data is not readily available. Competitors include Bank of America (BAC), Wells Fargo (WFC), and other regional and community banks.
- Deposit Accounts: Provides checking, savings, and money market accounts to businesses and individuals. Market share data varies by specific product and geographic area. Competitors include Capital One (COF) and PNC Financial Services (PNC).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased competition from fintech companies, and regulatory scrutiny. Community banks are also navigating increasing competition from larger national banks.
Positioning
Eagle Bancorp Inc. positions itself as a relationship-focused community bank with a strong presence in the DC metro area. Its competitive advantage lies in its local expertise and personalized service.
Total Addressable Market (TAM)
The estimated total market value for banking services in the Washington D.C. metro area is in the billions of dollars. Eagle Bancorp Inc. is positioned to capture a portion of this market through its local presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence in the DC metro area
- Experienced management team
- Solid credit quality
- Relationship-focused banking model
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Reliance on commercial real estate lending
- Higher cost of funds than competitors
Opportunities
- Expansion into new markets within the DC metro area
- Increased adoption of digital banking technologies
- Growing demand for wealth management services
- Acquisition of smaller community banks
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic slowdown in the DC metro area
- Regulatory changes
Competitors and Market Share
Key Competitors
- SASR
- CFG
- TFC
- FHB
Competitive Landscape
Eagle Bancorp Inc. competes with larger national banks, regional banks, and other community banks. Its competitive advantage lies in its local expertise and personalized service.
Growth Trajectory and Initiatives
Historical Growth: Eagle Bancorp Inc. has experienced steady growth over the past decade, driven by organic expansion and acquisitions.
Future Projections: Future growth is expected to be driven by continued expansion in the DC metro area, as well as increased adoption of digital banking technologies.
Recent Initiatives: Recent initiatives include investments in digital banking infrastructure and expansion of wealth management services.
Summary
Eagle Bancorp Inc. is a solid community bank with a strong presence in the DC metro area. Its focus on relationship banking and local expertise provides a competitive advantage. The company faces challenges from larger competitors and economic uncertainties, but has opportunities for growth through digital innovation and strategic acquisitions. The company needs to be aware of higher interest rates and how that would affect their customers who hold loans with the bank.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings, market research reports, analyst estimates, SEC filings (Form 10K, Form 10Q)
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is based on estimations. Financial performance and projections are subject to change based on market conditions. AI rating is for informational purposes only and should not be used as the sole basis for investment decisions. Real-time financial data for analysis was unavailable at the time of this response. Consider consulting a financial professional before making investment decisions.
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 | President, CEO & Director 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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