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Eagle Bancorp (EGBN) Financials

Eagle Bancorp logo
$20.72 -0.24 (-1.15%)
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Annual Income Statements for Eagle Bancorp

Annual Income Statements for Eagle Bancorp

This table shows Eagle Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 141 101 -47
Consolidated Net Income / (Loss)		 141 101 -47
Net Income / (Loss) Continuing Operations		 141 101 -47
Total Pre-Tax Income 		190 128 -30
Total Revenue		 357 312 309
Net Interest Income / (Expense)		 333 291 289
Total Interest Income		 425 625 688
Loans and Leases Interest Income		 359 518 548
Investment Securities Interest Income		 51 55 50
Deposits and Money Market Investments Interest Income		 13 52 89
Federal Funds Sold and Securities Borrowed Interest Income		 0.86 0.29 0.43
Total Interest Expense		 92 335 399
Deposits Interest Expense		 83 258 320
Short-Term Borrowings Interest Expense		 3.98 73 72
Long-Term Debt Interest Expense		 4.15 2.77 4.80
Federal Funds Purchased and Securities Sold Interest Expense		 0.36 1.22 1.27
Total Non-Interest Income		 24 22 20
Service Charges on Deposit Accounts		 5.40 6.46 6.84
Other Service Charges		 12 12 10
Net Realized & Unrealized Capital Gains on Investments		 3.53 0.41 0.07
Other Non-Interest Income		 2.55 2.66 2.89
Provision for Credit Losses		 1.74 31 64
Total Non-Interest Expense		 165 153 275
Salaries and Employee Benefits		 84 86 88
Net Occupancy & Equipment Expense		 25 26 25
Marketing Expense		 4.72 3.36 5.45
Property & Liability Insurance Claims		 4.97 12 29
Other Operating Expenses		 46 26 23
Impairment Charge		 0.00 0.00 104
Income Tax Expense		 49 27 17
Basic Earnings per Share		 $4.40 $3.31 ($1.56)
Weighted Average Basic Shares Outstanding		 30.95M 29.93M 30.20M
Diluted Earnings per Share		 $4.39 $3.31 ($1.56)
Weighted Average Diluted Shares Outstanding		 30.95M 29.93M 30.20M
Weighted Average Basic & Diluted Shares Outstanding		 30.95M 29.93M 30.20M
Cash Dividends to Common per Share		 $1.75 $1.80 $1.07

Quarterly Income Statements for Eagle Bancorp

This table shows Eagle Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 37 42 24 29 27 20 -0.34 -84 22 15
Consolidated Net Income / (Loss)		 37 42 24 29 27 20 -0.34 -84 22 15
Net Income / (Loss) Continuing Operations		 37 42 24 29 27 20 -0.34 -84 22 15
Total Pre-Tax Income 		49 52 31 37 35 25 2.66 -79 27 20
Total Revenue		 89 91 79 80 77 76 78 77 79 75
Net Interest Income / (Expense)		 84 86 75 72 71 73 75 71 72 71
Total Interest Income		 112 129 140 157 161 167 176 170 174 168
Loans and Leases Interest Income		 94 109 121 129 132 136 138 138 140 133
Investment Securities Interest Income		 13 14 14 14 14 13 13 12 13 12
Deposits and Money Market Investments Interest Income		 4.10 5.70 5.77 13 15 18 25 20 21 23
Federal Funds Sold and Securities Borrowed Interest Income		 0.22 0.59 0.08 0.05 0.08 0.09 0.07 0.14 0.10 0.12
Total Interest Expense		 28 44 65 85 90 94 101 98 102 98
Deposits Interest Expense		 26 39 49 59 71 78 79 77 81 83
Long-Term Debt Interest Expense		 1.04 1.04 16 25 1.04 -39 21 21 0.00 -38
Federal Funds Purchased and Securities Sold Interest Expense		 0.06 0.27 0.30 0.33 0.31 0.27 0.32 0.33 0.33 0.29
Total Non-Interest Income		 5.31 5.33 3.70 8.60 6.35 2.89 3.59 5.33 6.95 4.07
Service Charges on Deposit Accounts		 1.34 1.43 1.51 1.63 1.63 1.69 1.70 1.65 1.75 1.74
Other Service Charges		 2.51 2.71 1.25 6.22 4.05 0.49 1.18 2.93 4.45 1.58
Net Realized & Unrealized Capital Gains on Investments		 0.83 0.54 0.28 0.10 0.00 0.03 0.00 0.04 0.02 0.00
Other Non-Interest Income		 0.63 0.66 0.66 0.65 0.67 0.69 0.70 0.71 0.73 0.74
Provision for Credit Losses		 3.80 -0.30 7.01 5.56 4.81 14 36 9.57 8.50 11
Total Non-Interest Expense		 36 39 41 38 38 37 40 146 44 45
Salaries and Employee Benefits		 22 24 24 22 22 18 22 22 22 23
Net Occupancy & Equipment Expense		 6.72 6.41 6.42 6.58 6.29 6.40 6.35 6.39 6.23 6.51
Marketing Expense		 1.18 1.29 0.64 0.88 0.77 1.07 0.86 1.66 1.59 1.34
Property & Liability Insurance Claims		 1.29 1.72 1.49 2.58 3.34 4.44 6.41 5.92 7.40 9.28
Other Operating Expenses		 5.48 5.85 7.87 5.98 5.69 6.76 4.65 6.59 6.72 4.81
Income Tax Expense		 12 10 6.89 8.18 7.25 4.67 3.00 4.43 4.86 4.51
Basic Earnings per Share		 $1.16 $1.32 $0.78 $0.94 $0.91 $0.68 ($0.01) ($2.78) $0.72 $0.51
Weighted Average Basic Shares Outstanding		 31.92M 30.95M 30.72M 29.91M 29.93M 29.93M 30.19M 30.18M 30.20M 30.20M
Diluted Earnings per Share		 $1.16 $1.32 $0.78 $0.94 $0.91 $0.68 ($0.01) ($2.78) $0.72 $0.51
Weighted Average Diluted Shares Outstanding		 31.92M 30.95M 30.72M 29.91M 29.93M 29.93M 30.19M 30.18M 30.20M 30.20M
Weighted Average Basic & Diluted Shares Outstanding		 31.92M 30.95M 30.72M 29.91M 29.93M 29.93M 30.19M 30.18M 30.20M 30.20M

Annual Cash Flow Statements for Eagle Bancorp

This table details how cash moves in and out of Eagle Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -1,402 411 -89
Net Cash From Operating Activities		 195 196 124
Net Cash From Continuing Operating Activities		 195 196 124
Net Income / (Loss) Continuing Operations		 141 101 -47
Consolidated Net Income / (Loss)		 141 101 -47
Provision For Loan Losses		 1.74 31 64
Depreciation Expense		 3.32 3.48 3.20
Amortization Expense		 9.01 6.19 5.42
Non-Cash Adjustments to Reconcile Net Income		 47 14 109
Changes in Operating Assets and Liabilities, net		 -7.02 40 -11
Net Cash From Investing Activities		 -927 -98 311
Net Cash From Continuing Investing Activities		 -927 -98 311
Purchase of Property, Leasehold Improvements and Equipment		 -2.11 -0.07 -0.33
Purchase of Investment Securities		 -1,287 -313 -9.37
Sale and/or Maturity of Investments		 362 215 320
Net Cash From Financing Activities		 -670 313 -524
Net Cash From Continuing Financing Activities		 -670 313 -524
Net Change in Deposits		 -1,268 95 323
Issuance of Debt		 0.00 0.00 76
Repayment of Debt		 675 325 -880
Repurchase of Common Equity		 -33 -48 0.00
Payment of Dividends		 -56 -55 -46
Other Financing Activities, Net		 12 -3.93 3.06
Cash Interest Paid		 91 377 438
Cash Income Taxes Paid		 23 22 8.21

Quarterly Cash Flow Statements for Eagle Bancorp

This table details how cash moves in and out of Eagle Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Change in Cash & Equivalents		 -281 168 -139 15 70 465 -4.81 -175 68 23
Net Cash From Operating Activities		 15 55 61 31 47 57 2.85 55 56 10
Net Cash From Continuing Operating Activities		 15 55 61 31 47 57 2.85 55 56 10
Net Income / (Loss) Continuing Operations		 37 42 24 29 27 20 -0.34 -84 22 15
Consolidated Net Income / (Loss)		 37 42 24 29 27 20 -0.34 -84 22 15
Provision For Loan Losses		 3.80 -0.30 7.01 5.56 4.81 14 36 9.57 8.50 11
Depreciation Expense		 0.83 0.84 0.89 0.89 0.87 0.83 0.79 0.71 0.67 1.04
Amortization Expense		 2.18 1.82 1.72 1.56 1.49 1.42 1.43 1.37 1.38 1.24
Non-Cash Adjustments to Reconcile Net Income		 4.48 4.20 2.60 8.48 1.33 1.71 1.70 105 1.09 1.76
Changes in Operating Assets and Liabilities, net		 -33 6.53 24 -14 12 19 -36 23 22 -20
Net Cash From Investing Activities		 -105 -264 -59 50 -74 -15 5.86 25 103 176
Net Cash From Continuing Investing Activities		 -105 -264 -59 50 -74 -15 5.86 25 103 176
Purchase of Property, Leasehold Improvements and Equipment		 -0.84 -0.60 -0.31 0.09 -0.08 0.23 -0.07 0.04 -0.15 -0.14
Purchase of Investment Securities		 -196 -334 -117 -21 -110 -64 -65 2.50 17 35
Sale and/or Maturity of Investments		 92 71 58 71 36 49 71 23 86 141
Net Cash From Financing Activities		 -191 376 -141 -66 97 423 -14 -255 -91 -164
Net Cash From Continuing Financing Activities		 -191 376 -141 -66 97 423 -14 -255 -91 -164
Net Change in Deposits		 -408 -50 -1,250 255 658 432 -307 -234 274 590
Repayment of Debt		 - - -3,744 -1,077 5,146 -0.00 -1,800 -560 2,230 -750
Payment of Dividends		 -14 -14 -14 -13 -13 -14 -13 -14 -14 -4.98
Other Financing Activities, Net		 -3.27 14 2.89 -0.66 -11 5.03 6.55 2.31 -7.06 1.26
Cash Interest Paid		 29 41 61 103 103 110 67 114 128 129
Cash Income Taxes Paid		 11 7.30 - - 7.01 4.60 - - 5.98 2.23

Annual Balance Sheets for Eagle Bancorp

This table presents Eagle Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Total Assets		 11,151 11,665 11,130
Cash and Due from Banks		 13 9.05 12
Federal Funds Sold		 34 3.74 2.58
Interest Bearing Deposits at Other Banks		 265 710 619
Trading Account Securities		 2,699 2,522 2,206
Loans and Leases, Net of Allowance		 -74 -86 -114
Allowance for Loan and Lease Losses		 74 86 114
Premises and Equipment, Net		 13 10 7.69
Intangible Assets		 104 105 0.02
Other Assets		 8,097 8,391 8,397
Total Liabilities & Shareholders' Equity		 11,151 11,665 11,130
Total Liabilities		 9,923 10,390 9,903
Non-Interest Bearing Deposits		 3,151 2,279 1,544
Interest Bearing Deposits		 5,562 6,529 7,587
Short-Term Debt		 35 1,401 523
Long-Term Debt		 1,045 0.00 76
Other Long-Term Liabilities		 129 182 173
Total Equity & Noncontrolling Interests		 1,228 1,274 1,226
Total Preferred & Common Equity		 1,228 1,274 1,226
Total Common Equity		 1,228 1,274 1,226
Common Stock		 413 375 385
Retained Earnings		 1,015 1,061 982
Accumulated Other Comprehensive Income / (Loss)		 -200 -162 -141

Quarterly Balance Sheets for Eagle Bancorp

This table presents Eagle Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024
Total Assets		 10,713 11,089 11,035 11,164 11,613 11,302 11,285
Cash and Due from Banks		 27 9.94 9.87 8.63 10 11 16
Federal Funds Sold		 70 3.75 3.98 14 11 5.80 9.61
Interest Bearing Deposits at Other Banks		 47 159 174 236 696 526 584
Trading Account Securities		 1,659 1,589 2,591 2,507 2,446 2,404 2,395
Loans and Leases, Net of Allowance		 0.00 0.00 -78 -83 -100 -106 -112
Allowance for Loan and Lease Losses		 - - 78 83 100 106 112
Premises and Equipment, Net		 14 13 12 11 9.50 8.79 8.29
Intangible Assets		 104 104 104 105 105 0.13 0.02
Other Assets		 8,792 9,210 8,218 8,366 8,435 8,448 8,383
Total Liabilities & Shareholders' Equity		 10,713 11,089 11,035 11,164 11,613 11,302 11,285
Total Liabilities		 9,493 9,847 9,815 9,948 10,353 10,133 10,060
Non-Interest Bearing Deposits		 2,929 2,248 2,010 2,073 1,836 1,694 1,610
Interest Bearing Deposits		 5,835 5,216 5,708 6,304 6,666 6,573 6,931
Short-Term Debt		 536 2,152 1,874 1,326 1,707 1,699 1,272
Long-Term Debt		 70 70 70 70 - - 76
Other Long-Term Liabilities		 124 162 153 176 145 166 171
Total Equity & Noncontrolling Interests		 1,220 1,242 1,220 1,216 1,259 1,169 1,225
Total Preferred & Common Equity		 1,220 1,242 1,220 1,216 1,259 1,169 1,225
Total Common Equity		 1,220 1,242 1,220 1,216 1,259 1,169 1,225
Common Stock		 443 397 371 373 378 380 383
Retained Earnings		 987 1,026 1,041 1,055 1,048 950 967
Accumulated Other Comprehensive Income / (Loss)		 -211 -181 -192 -212 -166 -161 -124

Annual Metrics And Ratios for Eagle Bancorp

This table displays calculated financial ratios and metrics derived from Eagle Bancorp's official financial filings.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - -
Revenue Growth		 -2.30% -12.46% -1.11%
EBITDA Growth		 -18.41% -32.09% -115.76%
EBIT Growth		 -20.19% -32.77% -123.71%
NOPAT Growth		 -20.24% -28.66% -121.06%
Net Income Growth		 -20.24% -28.66% -146.79%
EPS Growth		 -20.47% -24.60% -147.13%
Operating Cash Flow Growth		 -18.26% 0.37% -36.73%
Free Cash Flow Firm Growth		 -257.79% 37.10% 411.34%
Invested Capital Growth		 32.32% 15.88% -31.76%
Revenue Q/Q Growth		 0.61% -4.60% -0.33%
EBITDA Q/Q Growth		 -1.69% -16.86% -30.68%
EBIT Q/Q Growth		 -2.16% -17.70% -20.27%
NOPAT Q/Q Growth		 0.41% -17.93% -20.27%
Net Income Q/Q Growth		 0.41% -17.93% -11.72%
EPS Q/Q Growth		 0.46% -16.20% -12.23%
Operating Cash Flow Q/Q Growth		 27.15% 0.71% -27.34%
Free Cash Flow Firm Q/Q Growth		 -1,037.85% 59.87% 3,923.79%
Invested Capital Q/Q Growth		 26.41% 2.43% -29.07%
Profitability Metrics		 - - -
EBITDA Margin		 56.66% 43.96% -7.01%
EBIT Margin		 53.20% 40.86% -9.80%
Profit (Net Income) Margin		 39.53% 32.21% -15.24%
Tax Burden Percent		 74.30% 78.84% 155.54%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 25.70% 21.16% 0.00%
Return on Invested Capital (ROIC)		 6.96% 4.04% -0.94%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.96% 4.04% -3.53%
Return on Net Nonoperating Assets (RNNOA)		 3.97% 4.00% -2.82%
Return on Equity (ROE)		 10.93% 8.03% -3.76%
Cash Return on Invested Capital (CROIC)		 -20.87% -10.68% 36.81%
Operating Return on Assets (OROA)		 1.65% 1.12% -0.27%
Return on Assets (ROA)		 1.23% 0.88% -0.41%
Return on Common Equity (ROCE)		 10.93% 8.03% -3.76%
Return on Equity Simple (ROE_SIMPLE)		 11.47% 7.89% -3.84%
Net Operating Profit after Tax (NOPAT)		 141 101 -21
NOPAT Margin		 39.53% 32.21% -6.86%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 2.59%
SG&A Expenses to Revenue		 32.02% 36.90% 38.46%
Operating Expenses to Revenue		 46.31% 49.12% 88.99%
Earnings before Interest and Taxes (EBIT)		 190 128 -30
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 202 137 -22
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.00 0.66 0.64
Price to Tangible Book Value (P/TBV)		 1.09 0.72 0.64
Price to Revenue (P/Rev)		 3.44 2.69 2.53
Price to Earnings (P/E)		 8.71 8.36 0.00
Dividend Yield		 5.46% 6.41% 5.86%
Earnings Yield		 11.48% 11.96% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.86 0.57 0.41
Enterprise Value to Revenue (EV/Rev)		 5.60 4.87 2.42
Enterprise Value to EBITDA (EV/EBITDA)		 9.88 11.07 0.00
Enterprise Value to EBIT (EV/EBIT)		 10.52 11.91 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 14.16 15.11 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 10.24 7.76 6.04
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.90
Leverage & Solvency		 - - -
Debt to Equity		 0.88 1.10 0.49
Long-Term Debt to Equity		 0.85 0.00 0.06
Financial Leverage		 0.57 0.99 0.80
Leverage Ratio		 8.92 9.12 9.12
Compound Leverage Factor		 8.92 9.12 9.12
Debt to Total Capital		 46.78% 52.36% 32.83%
Short-Term Debt to Total Capital		 1.52% 52.36% 28.66%
Long-Term Debt to Total Capital		 45.26% 0.00% 4.17%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 53.22% 47.64% 67.17%
Debt to EBITDA		 5.35 10.21 -27.71
Net Debt to EBITDA		 3.80 4.94 1.58
Long-Term Debt to EBITDA		 5.17 0.00 -3.52
Debt to NOPAT		 7.66 13.93 -28.31
Net Debt to NOPAT		 5.45 6.74 1.62
Long-Term Debt to NOPAT		 7.41 0.00 -3.60
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 -423 -266 828
Operating Cash Flow to CapEx		 9,223.95% 279,465.71% 37,966.26%
Free Cash Flow to Firm to Interest Expense		 -4.61 -0.79 2.08
Operating Cash Flow to Interest Expense		 2.12 0.58 0.31
Operating Cash Flow Less CapEx to Interest Expense		 2.10 0.58 0.31
Efficiency Ratios		 - - -
Asset Turnover		 0.03 0.03 0.03
Fixed Asset Turnover		 25.44 26.38 34.52
Capital & Investment Metrics		 - - -
Invested Capital		 2,308 2,675 1,825
Invested Capital Turnover		 0.18 0.13 0.14
Increase / (Decrease) in Invested Capital		 564 367 -849
Enterprise Value (EV)		 1,996 1,519 747
Market Capitalization		 1,228 841 781
Book Value per Share		 $38.48 $42.58 $40.60
Tangible Book Value per Share		 $35.22 $39.07 $40.60
Total Capital		 2,308 2,675 1,825
Total Debt		 1,080 1,401 599
Total Long-Term Debt		 1,045 0.00 76
Net Debt		 768 678 -34
Capital Expenditures (CapEx)		 2.11 0.07 0.33
Net Nonoperating Expense (NNE)		 0.00 0.00 26
Net Nonoperating Obligations (NNO)		 1,080 1,401 599
Total Depreciation and Amortization (D&A)		 12 9.67 8.61
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $4.40 $3.31 ($1.56)
Adjusted Weighted Average Basic Shares Outstanding		 30.95M 29.93M 30.20M
Adjusted Diluted Earnings per Share		 $4.39 $3.31 ($1.56)
Adjusted Weighted Average Diluted Shares Outstanding		 30.95M 29.93M 30.20M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 30.95M 29.93M 30.20M
Normalized Net Operating Profit after Tax (NOPAT)		 141 101 52
Normalized NOPAT Margin		 39.53% 32.21% 16.77%
Pre Tax Income Margin		 53.20% 40.86% -9.80%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 2.07 0.38 -0.08
NOPAT to Interest Expense		 1.54 0.30 -0.05
EBIT Less CapEx to Interest Expense		 2.04 0.38 -0.08
NOPAT Less CapEx to Interest Expense		 1.51 0.30 -0.05
Payout Ratios		 - - -
Dividend Payout Ratio		 39.58% 54.70% -96.99%
Augmented Payout Ratio		 63.05% 102.48% -96.99%

Quarterly Metrics And Ratios for Eagle Bancorp

This table displays calculated financial ratios and metrics derived from Eagle Bancorp's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 2.13% 2.44% -10.44% -9.13% -13.61% -16.54% -0.56% -4.63% 2.24% -1.35%
EBITDA Growth		 -10.98% -5.96% -46.62% 24.28% -29.15% -50.62% -85.54% -296.61% -22.34% -18.70%
EBIT Growth		 -15.83% -7.40% -47.85% 29.50% -29.62% -52.42% -91.46% -315.27% -22.96% -20.48%
NOPAT Growth		 -14.47% 1.38% -47.02% 82.80% -26.58% -52.07% -101.39% -293.65% -20.33% -24.40%
Net Income Growth		 -14.47% 1.38% -47.02% 82.80% -26.58% -52.07% -101.39% -392.07% -20.33% -24.40%
EPS Growth		 -14.71% 1.54% -45.07% 91.84% -21.55% -48.48% -101.28% -395.74% -20.88% -25.00%
Operating Cash Flow Growth		 -86.30% 304.56% -0.09% -51.42% 206.53% 2.50% -95.32% 79.65% 17.23% -82.19%
Free Cash Flow Firm Growth		 -145.09% -492.37% -702.54% -751.92% -1,207.82% 33.61% 125.98% 115.88% 107.91% 349.68%
Invested Capital Growth		 5.50% 32.32% 126.73% 94.19% 43.02% 15.88% -14.35% -9.32% -1.46% -31.76%
Revenue Q/Q Growth		 0.82% 1.93% -13.42% 2.14% -4.15% -1.53% 3.16% -2.05% 2.75% -4.99%
EBITDA Q/Q Growth		 65.04% 5.28% -38.63% 16.55% -5.91% -26.62% -82.03% -1,685.01% 137.17% -23.18%
EBIT Q/Q Growth		 72.81% 6.32% -40.50% 18.45% -6.09% -28.12% -89.32% -3,085.07% 133.61% -25.80%
NOPAT Q/Q Growth		 137.62% 13.13% -42.56% 18.40% -4.56% -26.14% -101.67% -16,338.20% 139.26% -29.91%
Net Income Q/Q Growth		 137.62% 13.13% -42.56% 18.40% -4.56% -26.14% -101.67% -24,693.49% 126.03% -29.91%
EPS Q/Q Growth		 136.73% 13.79% -40.91% 20.51% -3.19% -25.27% -101.47% -27,700.00% 125.90% -29.17%
Operating Cash Flow Q/Q Growth		 -75.56% 257.30% 9.99% -49.42% 54.20% 19.48% -94.98% 1,841.22% 0.62% -81.85%
Free Cash Flow Firm Q/Q Growth		 -125.10% -799.96% -266.46% 21.24% 49.65% 54.31% 243.41% -51.84% -74.91% 1,341.25%
Invested Capital Q/Q Growth		 12.09% 26.41% 50.05% -8.66% -17.45% 2.43% 10.90% -3.30% -10.30% -29.07%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 58.53% 60.45% 42.85% 48.90% 48.00% 35.77% 6.23% -100.80% 36.46% 29.48%
EBIT Margin		 55.16% 57.53% 39.54% 45.86% 44.93% 32.80% 3.40% -103.51% 33.86% 26.44%
Profit (Net Income) Margin		 41.81% 46.40% 30.78% 35.68% 35.53% 26.65% -0.43% -109.28% 27.69% 20.42%
Tax Burden Percent		 75.80% 80.65% 77.85% 77.82% 79.08% 81.25% -12.71% 105.58% 81.77% 77.24%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 24.20% 19.35% 22.15% 22.18% 20.92% 18.75% 112.71% 0.00% 18.23% 22.76%
Return on Invested Capital (ROIC)		 8.33% 8.16% 4.28% 5.05% 5.24% 3.34% -0.04% -7.40% 3.31% 2.80%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.33% 8.16% 4.28% 5.05% 5.24% 3.34% -0.04% -8.95% 3.31% 2.80%
Return on Net Nonoperating Assets (RNNOA)		 3.28% 4.66% 4.20% 4.74% 4.31% 3.31% -0.07% -13.64% 3.72% 2.24%
Return on Equity (ROE)		 11.61% 12.83% 8.48% 9.79% 9.54% 6.65% -0.11% -21.04% 7.02% 5.04%
Cash Return on Invested Capital (CROIC)		 2.54% -20.87% -72.79% -58.51% -29.88% -10.68% 17.82% 9.37% 0.79% 36.81%
Operating Return on Assets (OROA)		 1.75% 1.78% 1.23% 1.42% 1.34% 0.90% 0.09% -2.85% 0.93% 0.72%
Return on Assets (ROA)		 1.33% 1.44% 0.96% 1.10% 1.06% 0.73% -0.01% -3.01% 0.76% 0.55%
Return on Common Equity (ROCE)		 11.61% 12.83% 8.48% 9.79% 9.54% 6.65% -0.11% -21.04% 7.02% 5.04%
Return on Equity Simple (ROE_SIMPLE)		 11.51% 0.00% 9.62% 10.86% 10.08% 0.00% 6.03% -3.12% -3.44% 0.00%
Net Operating Profit after Tax (NOPAT)		 37 42 24 29 27 20 -0.34 -56 22 15
NOPAT Margin		 41.81% 46.40% 30.78% 35.68% 35.53% 26.65% -0.43% -72.45% 27.69% 20.42%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1.55% 0.00% 0.00%
SG&A Expenses to Revenue		 33.00% 34.52% 39.67% 36.59% 37.12% 34.12% 36.96% 38.89% 37.43% 40.66%
Operating Expenses to Revenue		 40.59% 42.80% 51.55% 47.23% 48.83% 48.89% 51.09% 191.03% 55.35% 59.49%
Earnings before Interest and Taxes (EBIT)		 49 52 31 37 35 25 2.66 -79 27 20
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 52 55 34 39 37 27 4.88 -77 29 22
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.02 1.00 0.74 0.48 0.48 0.66 0.53 0.47 0.55 0.64
Price to Tangible Book Value (P/TBV)		 1.11 1.09 0.80 0.52 0.53 0.72 0.58 0.47 0.55 0.64
Price to Revenue (P/Rev)		 3.51 3.44 2.63 1.71 1.79 2.69 2.14 1.79 2.17 2.53
Price to Earnings (P/E)		 8.86 8.71 7.65 4.39 4.77 8.36 8.76 0.00 0.00 0.00
Dividend Yield		 5.16% 5.46% 7.28% 9.51% 9.21% 6.41% 8.09% 9.84% 8.08% 5.86%
Earnings Yield		 11.29% 11.48% 13.07% 22.78% 20.97% 11.96% 11.41% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.93 0.86 0.86 0.74 0.66 0.57 0.56 0.60 0.55 0.41
Enterprise Value to Revenue (EV/Rev)		 4.81 5.60 8.53 6.89 5.26 4.87 5.31 5.55 4.55 2.42
Enterprise Value to EBITDA (EV/EBITDA)		 8.30 9.88 17.17 12.97 10.43 11.07 15.28 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 8.80 10.52 18.39 13.79 11.11 11.91 16.71 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 12.15 14.16 24.81 17.65 14.05 15.11 21.78 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 11.12 10.24 15.20 14.40 8.86 7.76 12.02 10.54 8.28 6.04
Enterprise Value to Free Cash Flow (EV/FCFF)		 37.81 0.00 0.00 0.00 0.00 0.00 2.89 6.04 68.50 0.90
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.50 0.88 1.79 1.59 1.15 1.10 1.36 1.45 1.10 0.49
Long-Term Debt to Equity		 0.06 0.85 0.06 0.06 0.06 0.00 0.00 0.00 0.06 0.06
Financial Leverage		 0.39 0.57 0.98 0.94 0.82 0.99 1.57 1.52 1.12 0.80
Leverage Ratio		 8.74 8.92 8.85 8.89 8.98 9.12 9.08 9.35 9.20 9.12
Compound Leverage Factor		 8.74 8.92 8.85 8.89 8.98 9.12 9.08 9.35 9.20 9.12
Debt to Total Capital		 33.20% 46.78% 64.14% 61.44% 53.44% 52.36% 57.54% 59.23% 52.38% 32.83%
Short-Term Debt to Total Capital		 29.38% 1.52% 62.12% 59.23% 50.76% 52.36% 57.54% 59.23% 49.43% 28.66%
Long-Term Debt to Total Capital		 3.82% 45.26% 2.02% 2.21% 2.68% 0.00% 0.00% 0.00% 2.95% 4.17%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 66.80% 53.22% 35.86% 38.56% 46.56% 47.64% 42.46% 40.77% 47.62% 67.17%
Debt to EBITDA		 2.95 5.35 12.87 10.78 8.46 10.21 15.76 -205.09 -81.45 -27.71
Net Debt to EBITDA		 2.25 3.80 11.87 9.74 6.89 4.94 9.13 -139.57 -44.56 1.58
Long-Term Debt to EBITDA		 0.34 5.17 0.40 0.39 0.42 0.00 0.00 0.00 -4.58 -3.52
Debt to NOPAT		 4.32 7.66 18.60 14.68 11.39 13.93 22.47 -141.18 -76.58 -28.31
Net Debt to NOPAT		 3.29 5.45 17.16 13.26 9.29 6.74 13.02 -96.08 -41.90 1.62
Long-Term Debt to NOPAT		 0.50 7.41 0.58 0.53 0.57 0.00 0.00 0.00 -4.31 -3.60
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -58 -522 -1,912 -1,506 -758 -346 497 239 60 865
Operating Cash Flow to CapEx		 1,848.27% 9,289.92% 19,423.64% 0.00% 61,584.42% 0.00% 4,008.45% 0.00% 36,332.68% 7,054.55%
Free Cash Flow to Firm to Interest Expense		 -2.10 -11.98 -29.31 -17.78 -8.38 -3.67 4.92 2.43 0.59 8.86
Operating Cash Flow to Interest Expense		 0.56 1.27 0.93 0.36 0.52 0.60 0.03 0.56 0.55 0.10
Operating Cash Flow Less CapEx to Interest Expense		 0.53 1.26 0.93 0.36 0.52 0.60 0.03 0.56 0.54 0.10
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 24.46 25.44 25.78 26.48 26.28 26.38 27.78 29.66 31.75 34.52
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 1,826 2,308 3,463 3,163 2,611 2,675 2,966 2,869 2,573 1,825
Invested Capital Turnover		 0.20 0.18 0.14 0.14 0.15 0.13 0.10 0.10 0.12 0.14
Increase / (Decrease) in Invested Capital		 95 564 1,936 1,534 785 367 -497 -295 -38 -849
Enterprise Value (EV)		 1,705 1,996 2,962 2,337 1,722 1,519 1,655 1,708 1,410 747
Market Capitalization		 1,243 1,228 914 581 584 841 666 552 673 781
Book Value per Share		 $38.02 $38.48 $40.13 $39.71 $40.66 $42.58 $42.08 $38.74 $40.61 $40.60
Tangible Book Value per Share		 $34.77 $35.22 $36.76 $36.32 $37.14 $39.07 $38.58 $38.73 $40.61 $40.60
Total Capital		 1,826 2,308 3,463 3,163 2,611 2,675 2,966 2,869 2,573 1,825
Total Debt		 606 1,080 2,221 1,944 1,396 1,401 1,707 1,699 1,348 599
Total Long-Term Debt		 70 1,045 70 70 70 0.00 0.00 0.00 76 76
Net Debt		 462 768 2,049 1,756 1,138 678 989 1,156 737 -34
Capital Expenditures (CapEx)		 0.84 0.60 0.31 -0.09 0.08 -0.23 0.07 -0.04 0.15 0.14
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 28 0.00 0.00
Net Nonoperating Obligations (NNO)		 606 1,080 2,221 1,944 1,396 1,401 1,707 1,699 1,348 599
Total Depreciation and Amortization (D&A)		 3.01 2.66 2.61 2.45 2.37 2.25 2.22 2.07 2.05 2.27
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.16 $1.32 $0.78 $0.94 $0.91 $0.68 ($0.01) ($2.78) $0.72 $0.51
Adjusted Weighted Average Basic Shares Outstanding		 31.92M 30.95M 30.72M 29.91M 29.93M 29.93M 30.19M 30.18M 30.20M 30.20M
Adjusted Diluted Earnings per Share		 $1.16 $1.32 $0.78 $0.94 $0.91 $0.68 ($0.01) ($2.78) $0.72 $0.51
Adjusted Weighted Average Diluted Shares Outstanding		 31.92M 30.95M 30.72M 29.91M 29.93M 29.93M 30.19M 30.18M 30.20M 30.20M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 31.92M 30.95M 30.72M 29.91M 29.93M 29.93M 30.19M 30.18M 30.20M 30.20M
Normalized Net Operating Profit after Tax (NOPAT)		 37 42 24 29 27 20 1.86 17 22 15
Normalized NOPAT Margin		 41.81% 46.40% 30.78% 35.68% 35.53% 26.65% 2.38% 22.63% 27.69% 20.42%
Pre Tax Income Margin		 55.16% 57.53% 39.54% 45.86% 44.93% 32.80% 3.40% -103.51% 33.86% 26.44%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 1.78 1.20 0.48 0.44 0.38 0.26 0.03 -0.81 0.26 0.20
NOPAT to Interest Expense		 1.35 0.97 0.37 0.34 0.30 0.21 0.00 -0.56 0.21 0.16
EBIT Less CapEx to Interest Expense		 1.75 1.19 0.47 0.44 0.38 0.27 0.03 -0.81 0.26 0.20
NOPAT Less CapEx to Interest Expense		 1.32 0.96 0.37 0.34 0.30 0.22 0.00 -0.56 0.21 0.16
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 38.73% 39.58% 47.74% 42.28% 44.91% 54.70% 71.83% -149.69% -130.17% -96.99%
Augmented Payout Ratio		 38.74% 63.05% 90.83% 103.55% 111.13% 102.48% 110.88% -149.68% -130.17% -96.99%

Financials Breakdown Chart

Key Financial Trends

Eagle Bancorp (NASDAQ: EGBN) has shown several financial trends across the last four years through its quarterly income statements, cash flow, and balance sheets. Here is an analysis of the key points retail investors should consider:

  • Stable Net Interest Income: Eagle Bancorp's net interest income remains consistently strong, with Q4 2024 reporting approximately $70.8 million, similar to prior quarters, reflecting steady core banking revenue.
  • Growing Non-Interest Income: Non-interest income sources such as service charges and capital gains have contributed positively, with total non-interest income at $4.07 million in Q4 2024, indicating diversification beyond interest revenues.
  • Provision for Credit Losses Management: The provision for credit losses fluctuates but remains controlled, with $10.5 million in Q4 2024 compared to a spike in Q2 2024 ($35.6 million), suggesting Eagle Bancorp manages asset quality prudently over time.
  • Consistent Dividend Payout: The company has maintained a steady dividend per share (around $0.45 annually), which can be appealing to income-focused investors.
  • Solid Equity Base: Total common equity has grown modestly, reaching approximately $1.23 billion by Q3 2024, supporting balance sheet strength.
  • Deposit Growth: Net change in deposits shows volatility with significant increases in some quarters (e.g., $590 million in Q4 2024) but declines in others, reflecting fluctuating customer deposit flows and liquidity management dynamics.
  • Capital Expenditures: The bank’s investment in property, equipment, and securities varies quarterly, reflecting ongoing investment but without clear trend indicating expansion or retrenchment.
  • Q2 2024 Net Loss: The company posted a significant net loss of approximately $83.8 million in Q2 2024, driven primarily by an impairment charge and high provision for credit losses, marking a challenging quarter for profitability.
  • Increased Long-Term Debt Interest Expense: There has been an increase in interest expense related to long-term debt in recent quarters, for example, negative $37.6 million in Q4 2024, which may pressure net income if interest rates rise further.
  • Volatile Cash Flows from Financing Activities: Significant swings in cash flows from financing activities, including large debt repayments and issuances, could indicate refinancing risk or liquidity pressure at times.

Overall, Eagle Bancorp maintains a stable core banking operation with steady interest income and a healthy equity base. However, investors should monitor credit losses and the occasional volatile cash flow from financing activities, as these have caused episodic hits to profitability recently, notably in Q2 2024. The consistent dividend payments and positive net interest income trends offer some confidence, but risks remain from loan loss provisions and interest expense increases.

10/09/25 10:33 AM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Eagle Bancorp's Financials

When does Eagle Bancorp's financial year end?

According to the most recent income statement we have on file, Eagle Bancorp's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Eagle Bancorp's net income changed over the last 2 years?

Eagle Bancorp's net income appears to be on a downward trend, with a most recent value of -$47.04 million in 2024, falling from $140.93 million in 2022. The previous period was $100.53 million in 2023. See where experts think Eagle Bancorp is headed by visiting Eagle Bancorp's forecast page.

How has Eagle Bancorp's revenue changed over the last 2 years?

Over the last 2 years, Eagle Bancorp's total revenue changed from $356.52 million in 2022 to $308.63 million in 2024, a change of -13.4%.

How much debt does Eagle Bancorp have?

Eagle Bancorp's total liabilities were at $9.90 billion at the end of 2024, a 4.7% decrease from 2023, and a 0.2% decrease since 2022.

How much cash does Eagle Bancorp have?

In the past 2 years, Eagle Bancorp's cash and equivalents has ranged from $9.05 million in 2023 to $12.66 million in 2022, and is currently $11.88 million as of their latest financial filing in 2024.

How has Eagle Bancorp's book value per share changed over the last 2 years?

Over the last 2 years, Eagle Bancorp's book value per share changed from 38.48 in 2022 to 40.60 in 2024, a change of 5.5%.


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This page (NASDAQ:EGBN) was last updated on 10/9/2025 by MarketBeat.com Staff
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