Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
EGBN 
Eagle Bancorp Inc (EGBN)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
03/27/2025: 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.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 4.53% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 629.15M USD | Price to earnings Ratio - | 1Y Target Price 26.83 |
Price to earnings Ratio - | 1Y Target Price 26.83 | ||
Volume (30-day avg) 389134 | Beta 1.08 | 52 Weeks Range 15.47 - 30.75 | Updated Date 03/30/2025 |
52 Weeks Range 15.47 - 30.75 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 3.17% | Basic EPS (TTM) -1.56 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -19.25% | Operating Margin (TTM) 45.2% |
Management Effectiveness
Return on Assets (TTM) -0.41% | Return on Equity (TTM) -3.76% |
Valuation
Trailing PE - | Forward PE 12.84 | Enterprise Value 616271552 | Price to Sales(TTM) 2.57 |
Enterprise Value 616271552 | Price to Sales(TTM) 2.57 | ||
Enterprise Value to Revenue 3.95 | Enterprise Value to EBITDA - | Shares Outstanding 30204200 | Shares Floating 29063691 |
Shares Outstanding 30204200 | Shares Floating 29063691 | ||
Percent Insiders 3.62 | Percent Institutions 78.97 |
Analyst Ratings
Rating 3 | Target Price 29 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Eagle Bancorp Inc
Company Overview
History and Background
Eagle Bancorp, Inc. was founded in 1998 and is headquartered in Bethesda, Maryland. It operates as the holding company for EagleBank, providing banking and financial services primarily in the Washington, D.C. metropolitan area. Eagle Bancorp has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Commercial Lending: Provides loans to businesses for working capital, equipment financing, and real estate development. Focuses on small to medium-sized businesses.
- Commercial Real Estate Lending: Offers financing for the acquisition, development, and construction of commercial real estate properties.
- Residential Mortgage Lending: Provides mortgage loans to individuals for the purchase or refinance of residential properties.
- Retail Banking: Offers deposit accounts, online banking, and other retail banking services to individuals and businesses.
Leadership and Structure
Ronald D. Paul serves as Chairman and CEO. The company has a board of directors and a management team overseeing its various business segments.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Financing for various CRE projects in the DC metro area. EagleBank is a significant player in this market, but specific market share data is difficult to ascertain without proprietary reports. Competitors include larger national banks and regional players like Sandy Spring Bancorp and Bank of America.
- Commercial Loans: Provides lending to businesses to enable their expansion and growth. Eagle Bank focuses on SMBs. Competitors are national and regional banks.
- Deposit Accounts: Offer a range of banking services including checking, savings and money market accounts. Competitors: Numerous local and national banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing pressures from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Regional banks are navigating these challenges by focusing on customer service and specialized lending solutions.
Positioning
Eagle Bancorp is positioned as a community-focused bank with a strong presence in the Washington, D.C. metropolitan area. Its competitive advantage lies in its local market knowledge and relationship-based approach to banking.
Total Addressable Market (TAM)
The TAM for banking services in the DC metro area is substantial, encompassing both commercial and retail customers. Eagle Bancorp captures a segment of this TAM, positioning itself as a local bank to grow along with the expansion of the area.
Upturn SWOT Analysis
Strengths
- Strong local market presence in the Washington, D.C. area
- Experienced management team
- Relationship-based approach to banking
- Solid commercial real estate lending expertise
Weaknesses
- Geographic concentration, making it vulnerable to economic downturns in the D.C. area
- Higher cost of funds compared to larger banks
- Limited diversification in revenue streams
Opportunities
- Expansion into adjacent markets within the Mid-Atlantic region
- Increased adoption of digital banking services
- Strategic acquisitions of smaller community banks
- Growth in the commercial real estate market
Threats
- Rising interest rates impacting loan demand
- Increased competition from larger national banks and fintech companies
- Regulatory changes impacting capital requirements
- Economic downturn in the Washington, D.C. area
Competitors and Market Share
Key Competitors
- SNAL
- WSFS
- PBCT
Competitive Landscape
Eagle Bancorp competes with larger national banks and other regional players. Its advantages include its local market knowledge and relationship-based approach. Disadvantages could include higher operating costs compared to the big banks.
Major Acquisitions
Virginia Heritage Bank
- Year: 2014
- Acquisition Price (USD millions): 89.5
- Strategic Rationale: Expanded Eagle Bancorp's presence into Loudoun County, Virginia, providing access to new markets and customers.
Growth Trajectory and Initiatives
Historical Growth: Eagle Bancorp's growth has been driven by organic expansion and acquisitions in the D.C. metropolitan area. Loan growth has been a key driver of revenue increases.
Future Projections: Future growth projections depend on various factors, including economic conditions, interest rates, and the company's ability to execute its strategic plan. Please refer to analyst reports for projections.
Recent Initiatives: Recent strategic initiatives may include investments in technology, expansion into new markets, or acquisitions of other banks. Look for company announcements and press releases for specifics.
Summary
Eagle Bancorp is a regional bank with a strong presence in the D.C. area. Its strength lies in its local expertise and relationship-based approach, but geographic concentration poses a risk. To sustain growth, it must adapt to the digital landscape and manage competitive pressures, and maintain strong financial metrics.
Similar Companies
- SNAL
- WSFS
- PBCT
- CFBK
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Yahoo Finance
- Analyst Reports (where available)
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share estimates are approximate. Please consult a qualified financial advisor before making any 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 | 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.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.