Eagle Bancorp, Inc (NASDAQ:EGBN) Returns To Profitability And Signals Modest Rebound

Eagle Bancorp returned to a profitable quarter and presents a mixed technical picture that favors short-term consolidation with upside potential if momentum stabilizes.

Recent News

On February 4, 2026 analysts revised the one‑year price target higher to $26.52, reflecting a roughly 24.6% increase to the consensus target. A February 26, 2026 company notice flagged a leadership transition at Eagle Bancorp Montana involving a senior lending officer change.

Technical Analysis

Trend Strength (ADX / DI+/DI-): ADX at 18.8 indicates no strong trend; directional indicators read mixed — DI+ at 22.15 trending decreasing (bearish), while DI- at 22.61 shows a peak-and-reversal (bullish). Together these signal lateral price action with short-term downside bias that could reverse if DI+ stabilizes.

MACD: MACD sits at 0.08 and trends decreasing beneath the signal line at 0.34, signalling bearish momentum and suggesting momentum remains dampened versus recent levels.

MRO (Momentum/Regression Oscillator): MRO at -15.86 (trend decreasing) places the market price below the model target, indicating mean-reversion potential that could support rebounds if other momentum indicators turn.

RSI: RSI at 55.48 and decreasing points to fading bullish momentum while remaining in neutral territory; the indicator implies limited immediate overbought/oversold extremity.

Price Versus Moving Averages & Bands: Last close $24.91 sits below the 20‑day average ($25.63) and slightly below the 1× lower Bollinger band ($24.99), implying short‑term weakness; price remains above the 50‑day ($24.78) and well above the 200‑day average ($20.39), which preserves a constructive medium‑term bias. Ichimoku components cluster near $25, indicating a narrow price band and likely consolidation until momentum shifts.

 


Fundamental Analysis

Earnings And Recent Report: The company reported fourth‑quarter results on January 21, 2026 and recorded earnings per share of $0.25 against an estimate of -$0.01, a positive EPS surprise of 26%. The same release announced a return to quarterly profitability after prior losses.

Profitability And Cash Flow: Trailing net income stands at -$67,513,000 while operating cash flow and end‑period cash improved to $19,847,000 and $850,767,000 respectively; free cash flow equals $15,829,000 with a free cash flow yield of 2.63% (roughly in line with the industry peer mean). Return on assets at -0.63% and return on equity at -6.01% reflect ongoing profitability recovery needs despite the quarterly EPS beat.

Valuation Multiples: Price‑to‑book at 0.53 sits below the industry peer mean (1.25) and median (1.16) while remaining above the industry peer low (0.28), indicating a below‑average market valuation versus peers. Trailing PE registers negative at -8.91 due to prior losses; forward PE sits near 30.66 on forward EPS of $0.64. Price‑to‑sales at 8.50 contrasts with a higher industry peer mean but does not alter the WMDST valuation conclusion.

Growth And Balance Sheet: Total assets grew ~2.02%; revenue declined YoY by about 4.77% and contracted QoQ by roughly 11.54%. Asset turnover at 0.66% remains below the industry peer mean (1.03%), consistent with a capital‑intensive lending model. Debt metrics show low leverage: debt‑to‑assets ~1.04% and debt‑to‑equity ~10.03%, improved QoQ and YoY, which supports balance‑sheet flexibility.

WMDST Valuation Summary: The current valuation as determined by WMDST rates the stock as under‑valued, supported by a P/B below peer averages, a recovering earnings profile (Q4 EPS beat), and a strong liquidity position despite trailing losses.

MOST-RECENT QUARTERLY REPORT
REPORT PERIOD ENDING: 2025-09-30
REPORT DATE: 2026-01-21
NEXT REPORT DATE: 2026-04-22
CASH FLOW  Begin Period Cash Flow 257.3 M
 Operating Cash Flow 19.8 M
 Capital Expenditures -4.02 M
 Change In Working Capital -31.43 M
 Dividends Paid -5.01 M
 Cash Flow Delta 593.4 M
 End Period Cash Flow 850.8 M
 
INCOME STATEMENT REVENUE
 Total Revenue 70.7 M
 Forward Revenue -5.11 M
COSTS
 Cost Of Revenue
 Depreciation 700.0 K
 Depreciation and Amortization 700.0 K
 Research and Development
 Total Operating Expenses
PROFITABILITY
 Gross Profit
 EBITDA
 EBIT
 Operating Income
 Interest Income 150.1 M
 Interest Expense 81.9 M
 Net Interest Income 68.2 M
 Income Before Tax -84.42 M
 Tax Provision -16.91 M
 Tax Rate 20.0 %
 Net Income -67.51 M
 Net Income From Continuing Operations -67.51 M
EARNINGS
 EPS Estimate -0.01
 EPS Actual 0.25
 EPS Difference 0.26
 EPS Surprise 2600.0 %
 Forward EPS 0.64
 
BALANCE SHEET ASSETS
 Total Assets 10.8 B
 Intangible Assets
 Net Tangible Assets 1.1 B
 Total Current Assets
 Cash and Short-Term Investments
 Cash 849.3 M
 Net Receivables
 Inventory
 Long-Term Investments
LIABILITIES
 Accounts Payable
 Short-Term Debt
 Total Current Liabilities
 Net Debt
 Total Debt 112.6 M
 Total Liabilities 9.7 B
EQUITY
 Total Equity 1.1 B
 Retained Earnings 831.7 M
VALUATION & PER-SHARE METRICS EQUITY & PER-SHARE METRICS
 Book Value Per-Share 37.00
 Shares Outstanding 30.367 M
 Revenue Per-Share 2.33
VALUATION
 Market Capitalization 600.9 M
 Enterprise Value 713.5 M
 Enterprise Multiple
Enterprise Multiple QoQ
Enterprise Multiple YoY
Enterprise Multiple IPRWA
 EV/R 10.098
CAPITAL STRUCTURE
 Asset To Equity 9.627
 Asset To Liability 1.116
 Debt To Capital 0.091
 Debt To Assets 0.01
Debt To Assets QoQ -32.534 %
Debt To Assets YoY -51.058 %
Debt To Assets IPRWA high: 0.165
mean: 0.056
median: 0.053
EGBN: 0.01
low: 0.0
 Debt To Equity 0.1
Debt To Equity QoQ -27.366 %
Debt To Equity YoY -48.813 %
Debt To Equity IPRWA high: 1.525
mean: 0.51
median: 0.455
EGBN: 0.1
low: -0.109
PRICE-BASED VALUATION
 Price To Book (P/B) 0.535
Price To Book QoQ 12.336 %
Price To Book YoY -0.022 %
Price To Book IPRWA high: 2.042
mean: 1.246
median: 1.156
EGBN: 0.535
low: 0.284
 Price To Earnings (P/E) -8.913
Price To Earnings QoQ 3.874 %
Price To Earnings YoY -129.538 %
Price To Earnings IPRWA high: 75.793
mean: 42.987
median: 41.768
low: 9.669
EGBN: -8.913
 PE/G Ratio 2.563
 Price To Sales (P/S) 8.504
Price To Sales QoQ 11.827 %
Price To Sales YoY 2.22 %
Price To Sales IPRWA high: 24.051
mean: 12.816
median: 12.491
EGBN: 8.504
low: 0.117
FORWARD MULTIPLES
Forward P/E 30.661
Forward PE/G -8.816
Forward P/S -119.099
EFFICIENCY OPERATIONAL
 Operating Leverage
ASSET & SALES
 Asset Turnover Ratio 0.007
Asset Turnover Ratio QoQ -2.511 %
Asset Turnover Ratio YoY -5.444 %
Asset Turnover Ratio IPRWA high: 0.016
mean: 0.01
median: 0.01
EGBN: 0.007
low: 0.005
 Receivables Turnover
Receivables Turnover Ratio QoQ
Receivables Turnover Ratio YoY
Receivables Turnover Ratio IPRWA
 Inventory Turnover
Inventory Turnover Ratio QoQ
Inventory Turnover Ratio YoY
Inventory Turnover Ratio IPRWA
 Days Sales Outstanding (DSO)
CASH CYCLE
 Cash Conversion Cycle Days (CCC)
Cash Conversion Cycle Days QoQ
Cash Conversion Cycle Days YoY
Cash Conversion Cycle Days IPRWA high: 84.471
mean: 35.522
median: 34.679
EGBN: 0
low: -17.91
CAPITAL DEPLOYMENT
 Cash Conversion Ratio
 CapEx To Revenue -0.057
 CapEx To Depreciation -5.74
 
CAPITAL, LIQUIDITY & COVERAGE CAPITAL STRUCTURE
 Total Capital 1.2 B
 Net Invested Capital 1.2 B
 Invested Capital 1.2 B
 Net Tangible Assets 1.1 B
 Net Working Capital
LIQUIDITY
 Cash Ratio
 Current Ratio
Current Ratio QoQ
Current Ratio YoY
Current Ratio IPRWA
 Quick Ratio
Quick Ratio QoQ
Quick Ratio YoY
Quick Ratio IPRWA
COVERAGE & LEVERAGE
 Debt To EBITDA
 Cost Of Debt 47.456 %
 Interest Coverage Ratio
Interest Coverage Ratio QoQ
Interest Coverage Ratio YoY
Interest Coverage Ratio IPRWA
 Operating Cash Flow Ratio
TIMING / LIQUIDITY
 Days Payables Outstanding (DPO)
DIVIDENDS
 Dividend Coverage Ratio -13.484
 Dividend Payout Ratio -0.074
 Dividend Rate 0.16
 Dividend Yield 0.008
PERFORMANCE GROWTH
 Asset Growth Rate 2.02 %
 Revenue Growth -4.766 %
Revenue Growth QoQ -1154.425 %
Revenue Growth YoY -273.309 %
Revenue Growth IPRWA high: 23.369 %
mean: 4.957 %
median: 4.094 %
EGBN: -4.766 %
low: -9.66 %
 Earnings Growth -3.478 %
Earnings Growth QoQ -99.912 %
Earnings Growth YoY -146.603 %
Earnings Growth IPRWA high: 63.889 %
median: 8.235 %
mean: 7.532 %
EGBN: -3.478 %
low: -37.5 %
MARGINS
 Gross Margin
Gross Margin QoQ
Gross Margin YoY
Gross Margin IPRWA
 EBIT Margin
EBIT Margin QoQ
EBIT Margin YoY
EBIT Margin IPRWA
 Return On Sales (ROS)
Return On Sales QoQ
Return On Sales YoY
Return On Sales IPRWA
CASH FLOW
 Free Cash Flow (FCF) 15.8 M
 Free Cash Flow Yield 2.634 %
Free Cash Flow Yield QoQ -150.634 %
Free Cash Flow Yield YoY -68.854 %
Free Cash Flow Yield IPRWA high: 9.814 %
mean: 2.699 %
median: 2.637 %
EGBN: 2.634 %
low: -3.401 %
 Free Cash Growth -153.937 %
Free Cash Growth QoQ -8.466 %
Free Cash Growth YoY -57539.179 %
Free Cash Growth IPRWA high: 435.53 %
mean: 17.752 %
median: 4.44 %
EGBN: -153.937 %
low: -394.679 %
 Free Cash To Net Income -0.234
 Cash Flow Margin -94.564 %
 Cash Flow To Earnings 0.99
VALUE & RETURNS
 Economic Value Added 0.10
 Return On Assets (ROA) -0.63 %
Return On Assets QoQ -1.099 %
Return On Assets YoY -426.425 %
Return On Assets IPRWA high: 0.657 %
mean: 0.305 %
median: 0.301 %
low: 0.027 %
EGBN: -0.63 %
 Return On Capital Employed (ROCE)
 Return On Equity (ROE) -0.06
Return On Equity QoQ 2.055 %
Return On Equity YoY -437.584 %
Return On Equity IPRWA high: 0.052
median: 0.03
mean: 0.029
low: 0.002
EGBN: -0.06
 DuPont ROE -5.851 %
 Return On Invested Capital (ROIC)
Return On Invested Capital QoQ
Return On Invested Capital YoY
Return On Invested Capital IPRWA

Six-Week Outlook

Near term, price likely consolidates in a $24.00–$26.50 band as momentum indicators weaken but mean‑reversion potential (negative MRO) caps deeper declines. A stabilizing MACD or a flattening/reversal in DI+ would increase the odds of a sustained move higher toward the revised analyst target area; absent that, expect sideways to modestly lower action while the market digests improving quarterly fundamentals.

About Eagle Bancorp, Inc.

Eagle Bancorp, Inc. (NASDAQ:EGBN) serves as the bank holding company for EagleBank, headquartered in Bethesda, Maryland. Established in 1997, Eagle Bancorp delivers a comprehensive range of financial services tailored to meet the needs of both commercial and consumer clients. The company provides a variety of lending products, including commercial loans designed for working capital, real estate financing, and government contract financing. Additionally, Eagle Bancorp extends asset-based lending, business equipment financing, and residential mortgage loans to its diverse clientele. EagleBank enhances customer experience through its robust online and mobile banking platforms, facilitating easy access to financial services. The bank’s deposit services encompass checking and savings accounts, cash management, and merchant card services. Through strategic partnerships, Eagle Bancorp also offers specialized services such as treasury management and insurance products. Serving a wide range of clients, from sole proprietors to large corporations and non-profits, Eagle Bancorp remains dedicated to promoting financial growth and stability. The company emphasizes personalized service and community involvement, establishing itself as a reliable financial partner across the United States.



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