Eagle Bancorp, Inc (NASDAQ:EGBN) Repricing Signals Near-Term Recovery In Credit Metrics

Eagle Bancorp shows mixed technical momentum but improving fundamentals that support a near-term rebound in credit stability and valuation re-rating.

Recent News

Feb 4, 2026 — Analyst one-year price target revised upward to $26.52, reflecting a cluster of raised forecasts supporting a higher consensus target. Feb 19, 2026 — Company filed an 8‑K detailing annual long‑term incentive awards granted to the CEO and three senior executives. Jan–Feb 2026 — several institutional 13G/A filings updated major holders and position sizes, indicating active institutional ownership shifts during year‑end 2025 reporting.

Technical Analysis

ADX at 15.11 indicates no established directional trend; this weak trend strength limits conviction for breakout scenarios and emphasizes range behavior over the next several weeks.

DI+ decreased while DI- registered a peak-and-reversal; DI+ decreasing reads as bearish pressure, while the DI- peak-and-reverse reads as bullish pressure — together these point to a tug‑of‑war between sellers and buyers with no clear directional dominance.

MACD sits negative at -0.25 and the MACD trend is decreasing with the signal line at -0.05; negative and declining MACD denotes bearish momentum and argues the near-term price impulse currently favors downward pressure until momentum stabilizes.

MRO at -27.4 and decreasing indicates the current price sits below the momentum target and that mean‑reversion upside potential exists; the negative MRO implies price has room to move up toward its modeled target if momentum shifts.

RSI of 52.03 and decreasing places momentum near neutral but tilting lower, consistent with short‑term consolidation rather than an oversold bounce or overbought extension.

Price relationships show mixed horizons: the close at $24.33 trades below the 20‑day average ($24.84) and 12‑day EMA (24.70) — a short‑term bearish posture — yet sits above the 200‑day average ($20.64), indicating longer‑term support remains intact. Bollinger bands place the close near the lower band, suggesting compression and a heightened probability of a counter‑move if downside fails to extend. Ichimoku lines (Tenkan 24.79, Kijun 25.58, Senkou A 25.31) keep the price below short‑term cloud thresholds, reinforcing near‑term resistance levels around the mid‑$25s and the supertrend upper near $26.20 as a key supply area.

 


Fundamental Analysis

Earnings: Reported EPS of $0.25 versus an estimate of -$0.01 produced a positive surprise of $0.26 and an EPS surprise ratio of 26.0%, reflecting an earnings rebound for the quarter. Forward EPS sits at $0.643125 with forward P/E about 30.66, which contrasts with the trailing negative P/E of -8.91 driven by recent net losses. Free cash flow totaled $15,829,000 with a free cash flow yield of 2.63%.

Profitability and credit: Net income equaled -$67,513,000 and income before tax -$84,420,000 for the reported period; return on assets stands at -0.63% and return on equity at -6.01%, both showing material weakness versus historical profitability. Net interest income of $68,159,000 supports core margin, but interest expense (interestExpense $81,944,000) and elevated credit provisions have pressured the income statement.

Balance sheet and liquidity: Total assets reached $10,815,502,000 with cash of $849,310,000 and beginning cash flow of $257,333,000 rising to an end‑period cash flow of $850,767,000, demonstrating ample liquidity. Debt metrics remain conservative: total debt $112,624,000, debt‑to‑assets 1.041%, and debt‑to‑equity 0.10025, all reflecting low leverage on the balance sheet.

Growth and efficiency: Revenue totaled $70,654,000 with YoY revenue growth of -2.73% and QoQ revenue decline of -11.54%; earnings growth YoY at -146.603% confirms recent volatility in profitability. Asset turnover of 0.66% sits below the industry peer mean but above the provided industry low; the company shows modest asset utilization consistent with a regional bank managing credit re‑positioning.

Valuation context: Price‑to‑book at 0.53 sits below the industry peer mean (industry peer mean book = 1.24617) and below the industry peer median (1.15598) while above the industry peer low (0.28407). P/E is negative versus an industry peer mean P/E around 42.99, reflecting the impact of recent losses on trailing multiples. WMDST values the stock as under‑valued given current book multiple, liquidity profile, and forward earnings recovery embedded in forward EPS and forward P/E.

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

Expect consolidation with a slight downside bias while short‑term momentum indicators (MACD negative, 12/26 EMAs sloping down, and price below the 20‑day average) digest recent earnings and incentive‑award disclosures. Defensive support lives near the 200‑day average, whose presence should limit structural downside over the next six weeks unless credit metrics deteriorate further. The negative MRO paired with institutional position updates and raised analyst targets points to a credible re‑rating scenario should momentum stabilize; conversely, a sustained move below the lower Bollinger band or a renewed MACD decline would extend the consolidation window and maintain price pressure into the mid‑$20s resistance band.

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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