Eagle Bancorp Financials
This page shows Eagle Bancorp (EBMT) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Eagle Bancorp's revenue grew a modest 4.0% year-over-year to $108.4M. This slow but positive growth earns a score of 40/100.
Eagle Bancorp carries a low D/E ratio of 0.23, meaning only $0.23 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 97/100, indicating a strong balance sheet with room for future borrowing.
Eagle Bancorp converts 26.2% of revenue into free cash flow ($28.3M). This strong cash generation earns a score of 90/100.
Eagle Bancorp generates a 7.7% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 28/100. This is up from 5.6% the prior year.
Eagle Bancorp passes 7 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Eagle Bancorp generates $2.23 in operating cash flow ($33.1M OCF vs $14.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Eagle Bancorp generated $108.4M in revenue in fiscal year 2025. This represents an increase of 4.0% from the prior year.
Eagle Bancorp reported $14.8M in net income in fiscal year 2025. This represents an increase of 51.7% from the prior year.
Eagle Bancorp earned $1.90 per diluted share (EPS) in fiscal year 2025. This represents an increase of 53.2% from the prior year.
Cash & Balance Sheet
Eagle Bancorp generated $28.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 96.0% from the prior year.
Eagle Bancorp held $63.0M in cash against $44.5M in long-term debt as of fiscal year 2025.
Eagle Bancorp paid $0.57 per share in dividends in fiscal year 2025. This represents an increase of 1.8% from the prior year.
Eagle Bancorp had 8M shares outstanding in fiscal year 2025. This represents a decrease of 0.9% from the prior year.
Margins & Returns
Eagle Bancorp's net profit margin was 13.7% in fiscal year 2025, showing the share of revenue converted to profit. This is up 4.3 percentage points from the prior year.
Eagle Bancorp's ROE was 7.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.1 percentage points from the prior year.
Capital Allocation
Eagle Bancorp spent $1.6M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 275.4% from the prior year.
Eagle Bancorp invested $4.8M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 66.0% from the prior year.
EBMT Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $27.4M-1.7% | $27.8M+2.5% | $27.1M+4.1% | $26.1M-2.3% | $26.7M-0.3% | $26.8M+3.6% | $25.8M+3.5% | $24.9M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $8.2M-10.4% | $9.1M+1.6% | $9.0M-1.8% | $9.2M-7.4% | $9.9M-9.7% | $11.0M+7.5% | $10.2M+4.7% | $9.7M |
| Income Tax | $1.4M+1.8% | $1.3M+76.6% | $751K+19.0% | $631K+134.6% | $269K-49.1% | $529K+19.1% | $444K+20.0% | $370K |
| Net Income | $4.7M+30.3% | $3.6M+12.1% | $3.2M-0.1% | $3.2M-5.7% | $3.4M+26.7% | $2.7M+55.9% | $1.7M-8.4% | $1.9M |
| EPS (Diluted) | N/A | $0.46+12.2% | $0.410.0% | $0.41 | N/A | $0.34+54.5% | $0.22-8.3% | $0.24 |
EBMT Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.1B-0.6% | $2.1B-0.8% | $2.1B+2.4% | $2.1B-0.7% | $2.1B-2.0% | $2.1B+2.2% | $2.1B+1.1% | $2.1B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $63.0M+113.3% | $29.5M+9.6% | $26.9M+18.1% | $22.8M-27.7% | $31.6M-25.2% | $42.2M+77.5% | $23.8M+13.6% | $20.9M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $34.7M0.0% | $34.7M0.0% | $34.7M0.0% | $34.7M0.0% | $34.7M0.0% | $34.7M0.0% | $34.7M0.0% | $34.7M |
| Total Liabilities | $1.9B-1.0% | $1.9B-1.2% | $2.0B+2.4% | $1.9B-0.9% | $1.9B-2.0% | $2.0B+2.0% | $1.9B+1.1% | $1.9B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $44.5M-25.0% | $59.3M+0.1% | $59.2M+0.1% | $59.2M+0.1% | $59.1M+0.1% | $59.1M+0.1% | $59.1M+0.1% | $59.0M |
| Total Equity | $191.8M+2.9% | $186.5M+3.2% | $180.6M+1.7% | $177.6M+1.6% | $174.8M-1.7% | $177.7M+4.4% | $170.2M+0.7% | $168.9M |
| Retained Earnings | $111.5M+3.3% | $107.9M+2.3% | $105.5M+2.0% | $103.4M+2.1% | $101.3M+2.3% | $99.0M+1.6% | $97.4M+0.6% | $96.8M |
EBMT Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $20.5M+129.3% | $9.0M+412.7% | $1.7M-7.3% | $1.9M-87.9% | $15.6M+500.6% | $2.6M-20.7% | $3.3M-54.1% | $7.1M |
| Capital Expenditures | $934K-50.0% | $1.9M+420.1% | $359K-77.9% | $1.6M-51.2% | $3.3M-0.5% | $3.3M+26.6% | $2.6M-44.8% | $4.8M |
| Free Cash Flow | $19.6M+176.5% | $7.1M+410.8% | $1.4M+429.8% | $262K-97.9% | $12.2M+1734.0% | -$749K-219.5% | $627K-73.2% | $2.3M |
| Investing Cash Flow | $41.2M+98.4% | $20.8M+153.9% | -$38.5M-2456.2% | -$1.5M-106.6% | $22.9M+221.9% | -$18.8M+6.4% | -$20.1M-69.7% | -$11.8M |
| Financing Cash Flow | -$28.3M-4.2% | -$27.1M-166.4% | $40.9M+547.6% | -$9.1M+81.4% | -$49.1M-241.8% | $34.6M+76.2% | $19.7M+1711.4% | $1.1M |
| Dividends Paid | $1.2M+0.2% | $1.2M+1.8% | $1.1M-0.4% | $1.1M-1.0% | $1.1M+0.4% | $1.1M+1.9% | $1.1M0.0% | $1.1M |
| Share Buybacks | $410K | $0-100.0% | $408K-46.0% | $755K+80.2% | $419K | $0 | $0 | $0 |
EBMT Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 17.3%+4.3pp | 13.0%+1.1pp | 11.9%-0.5pp | 12.4%-0.4pp | 12.9%+2.7pp | 10.1%+3.4pp | 6.7%-0.9pp | 7.6% |
| Return on Equity | 2.5%+0.5pp | 1.9%+0.2pp | 1.8%-0.0pp | 1.8%-0.1pp | 2.0%+0.4pp | 1.5%+0.5pp | 1.0%-0.1pp | 1.1% |
| Return on Assets | 0.2%+0.1pp | 0.2%+0.0pp | 0.1%-0.0pp | 0.2%0.0pp | 0.2%+0.0pp | 0.1%+0.0pp | 0.1%0.0pp | 0.1% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.23-0.1 | 0.32-0.0 | 0.330.0 | 0.330.0 | 0.340.0 | 0.33-0.0 | 0.350.0 | 0.35 |
| FCF Margin | 71.7%+46.2pp | 25.5%+20.4pp | 5.1%+4.1pp | 1.0%-44.9pp | 45.9%+48.7pp | -2.8%-5.2pp | 2.4%-7.0pp | 9.4% |
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Frequently Asked Questions
What is Eagle Bancorp's annual revenue?
Eagle Bancorp (EBMT) reported $108.4M in total revenue for fiscal year 2025. This represents a 4.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Eagle Bancorp's revenue growing?
Eagle Bancorp (EBMT) revenue grew by 4% year-over-year, from $104.2M to $108.4M in fiscal year 2025.
Is Eagle Bancorp profitable?
Yes, Eagle Bancorp (EBMT) reported a net income of $14.8M in fiscal year 2025, with a net profit margin of 13.7%.
How much debt does Eagle Bancorp have?
As of fiscal year 2025, Eagle Bancorp (EBMT) had $63.0M in cash and equivalents against $44.5M in long-term debt.
What is Eagle Bancorp's net profit margin?
Eagle Bancorp (EBMT) had a net profit margin of 13.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Eagle Bancorp pay dividends?
Yes, Eagle Bancorp (EBMT) paid $0.57 per share in dividends during fiscal year 2025.
What is Eagle Bancorp's return on equity (ROE)?
Eagle Bancorp (EBMT) has a return on equity of 7.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Eagle Bancorp's free cash flow?
Eagle Bancorp (EBMT) generated $28.3M in free cash flow during fiscal year 2025. This represents a 96.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Eagle Bancorp's operating cash flow?
Eagle Bancorp (EBMT) generated $33.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Eagle Bancorp's total assets?
Eagle Bancorp (EBMT) had $2.1B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Eagle Bancorp's capital expenditures?
Eagle Bancorp (EBMT) invested $4.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Eagle Bancorp's debt-to-equity ratio?
Eagle Bancorp (EBMT) had a debt-to-equity ratio of 0.23 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Eagle Bancorp's return on assets (ROA)?
Eagle Bancorp (EBMT) had a return on assets of 0.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Eagle Bancorp's Piotroski F-Score?
Eagle Bancorp (EBMT) has a Piotroski F-Score of 7 out of 9, indicating strong financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Eagle Bancorp's earnings high quality?
Eagle Bancorp (EBMT) has an earnings quality ratio of 2.23x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Eagle Bancorp?
Eagle Bancorp (EBMT) scores 64 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.