Eagle Bancorp Financials
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Eagle Bancorp's revenue grew 13.7% year-over-year to $104.2M, a solid pace of expansion. This earns a growth score of 68/100.
Eagle Bancorp carries a low D/E ratio of 0.34, meaning only $0.34 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 99/100, indicating a strong balance sheet with room for future borrowing.
Eagle Bancorp converts 13.9% of revenue into free cash flow ($14.5M). This strong cash generation earns a score of 69/100.
Eagle Bancorp generates a 5.6% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 22/100. This is down from 5.9% the prior year.
Eagle Bancorp passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Eagle Bancorp generates $2.92 in operating cash flow ($28.5M OCF vs $9.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
This page shows Eagle Bancorp (EBMT) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 14 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).
Key Financial Metrics
Eagle Bancorp generated $104.2M in revenue in fiscal year 2024. This represents an increase of 13.7% from the prior year.
Eagle Bancorp generated $14.5M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 398.6% from the prior year.
Eagle Bancorp reported $9.8M in net income in fiscal year 2024. This represents a decrease of 2.8% from the prior year.
Eagle Bancorp earned $1.24 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 3.9% from the prior year.
Eagle Bancorp held $31.6M in cash against $59.1M in long-term debt as of fiscal year 2024.
Eagle Bancorp paid $0.56 per share in dividends in fiscal year 2024. This represents an increase of 1.8% from the prior year.
Eagle Bancorp had 8M shares outstanding in fiscal year 2024. This represents an increase of 0.1% from the prior year.
Eagle Bancorp's net profit margin was 9.4% in fiscal year 2024, showing the share of revenue converted to profit. This is down 1.6 percentage points from the prior year.
Eagle Bancorp's ROE was 5.6% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 0.4 percentage points from the prior year.
Eagle Bancorp spent $419K on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents an increase of 81.4% from the prior year.
Eagle Bancorp invested $14.1M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 0.8% from the prior year.
EBMT Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $27.8M+2.5% | $27.1M+4.1% | $26.1M-2.3% | $26.7M+3.3% | $25.8M+3.5% | $24.9M+1.6% | $24.5M+1.9% | $24.1M |
| 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 | $9.1M+1.6% | $9.0M-1.8% | $9.2M-7.4% | $9.9M-2.9% | $10.2M+4.7% | $9.7M+4.1% | $9.3M+9.8% | $8.5M |
| Income Tax | $1.3M+76.6% | $751K+19.0% | $631K+134.6% | $269K-39.4% | $444K+20.0% | $370K+217.5% | -$315K-160.1% | $524K |
| Net Income | $3.6M+12.1% | $3.2M-0.1% | $3.2M-5.7% | $3.4M+97.5% | $1.7M-8.4% | $1.9M-12.3% | $2.2M-17.9% | $2.6M |
| EPS (Diluted) | $0.46+12.2% | $0.410.0% | $0.41-6.8% | $0.44+100.0% | $0.22-8.3% | $0.24-11.1% | $0.27-20.6% | $0.34 |
EBMT Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.1B-0.8% | $2.1B+2.4% | $2.1B-0.7% | $2.1B+0.2% | $2.1B+1.1% | $2.1B0.0% | $2.1B+0.6% | $2.1B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $29.5M+9.6% | $26.9M+18.1% | $22.8M-27.7% | $31.6M+32.8% | $23.8M+13.6% | $20.9M-14.8% | $24.5M+18.1% | $20.8M |
| 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-1.2% | $2.0B+2.4% | $1.9B-0.9% | $1.9B0.0% | $1.9B+1.1% | $1.9B0.0% | $1.9B0.0% | $1.9B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $59.3M+0.1% | $59.2M+0.1% | $59.2M+0.1% | $59.1M+0.1% | $59.1M+0.1% | $59.0M+0.1% | $59.0M+0.1% | $59.0M |
| Total Equity | $186.5M+3.2% | $180.6M+1.7% | $177.6M+1.6% | $174.8M+2.7% | $170.2M+0.7% | $168.9M-0.2% | $169.3M+7.6% | $157.3M |
| Retained Earnings | $107.9M+2.3% | $105.5M+2.0% | $103.4M+2.1% | $101.3M+4.0% | $97.4M+0.6% | $96.8M+0.8% | $96.0M+1.1% | $95.0M |
EBMT Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $9.0M+412.7% | $1.7M-7.3% | $1.9M-87.9% | $15.6M+376.5% | $3.3M-54.1% | $7.1M-41.6% | $12.2M+97.1% | $6.2M |
| Capital Expenditures | $1.9M+420.1% | $359K-77.9% | $1.6M-51.2% | $3.3M+25.9% | $2.6M-44.8% | $4.8M+84.7% | $2.6M-48.4% | $5.0M |
| Free Cash Flow | $7.1M+410.8% | $1.4M+429.8% | $262K-97.9% | $12.2M+1852.0% | $627K-73.2% | $2.3M-75.6% | $9.6M+716.5% | $1.2M |
| Investing Cash Flow | $20.8M+153.9% | -$38.5M-2456.2% | -$1.5M-106.6% | $22.9M+214.1% | -$20.1M-69.7% | -$11.8M-293.1% | -$3.0M+94.3% | -$52.9M |
| Financing Cash Flow | -$27.1M-166.4% | $40.9M+547.6% | -$9.1M+81.4% | -$49.1M-349.8% | $19.7M+1711.4% | $1.1M+120.0% | -$5.4M-112.2% | $44.5M |
| Dividends Paid | $1.2M+1.8% | $1.1M-0.4% | $1.1M-1.0% | $1.1M+2.3% | $1.1M0.0% | $1.1M0.0% | $1.1M+0.4% | $1.1M |
| Share Buybacks | $0-100.0% | $408K-46.0% | $755K+80.2% | $419K | $0 | $0 | $0 | $0 |
EBMT Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| 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 | 13.0%+1.1pp | 11.9%-0.5pp | 12.4%-0.4pp | 12.9%+6.1pp | 6.7%-0.9pp | 7.6%-1.2pp | 8.8%-2.1pp | 10.9% |
| Return on Equity | 1.9%+0.2pp | 1.8%-0.0pp | 1.8%-0.1pp | 2.0%+0.9pp | 1.0%-0.1pp | 1.1%-0.2pp | 1.3%-0.4pp | 1.7% |
| Return on Assets | 0.2%+0.0pp | 0.1%-0.0pp | 0.2%0.0pp | 0.2%+0.1pp | 0.1%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 | 0.32-0.0 | 0.330.0 | 0.330.0 | 0.340.0 | 0.350.0 | 0.350.0 | 0.35-0.0 | 0.37 |
| FCF Margin | 25.5%+20.4pp | 5.1%+4.1pp | 1.0%-44.9pp | 45.9%+43.4pp | 2.4%-7.0pp | 9.4%-29.8pp | 39.2%+34.3pp | 4.9% |
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Frequently Asked Questions
What is Eagle Bancorp's annual revenue?
Eagle Bancorp (EBMT) reported $104.2M in total revenue for fiscal year 2024. This represents a 13.7% 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 13.7% year-over-year, from $91.6M to $104.2M in fiscal year 2024.
Is Eagle Bancorp profitable?
Yes, Eagle Bancorp (EBMT) reported a net income of $9.8M in fiscal year 2024, with a net profit margin of 9.4%.
What is Eagle Bancorp's earnings per share (EPS)?
Eagle Bancorp (EBMT) reported diluted earnings per share of $1.24 for fiscal year 2024. This represents a -3.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
How much debt does Eagle Bancorp have?
As of fiscal year 2024, Eagle Bancorp (EBMT) had $31.6M in cash and equivalents against $59.1M in long-term debt.
What is Eagle Bancorp's net profit margin?
Eagle Bancorp (EBMT) had a net profit margin of 9.4% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Eagle Bancorp pay dividends?
Yes, Eagle Bancorp (EBMT) paid $0.56 per share in dividends during fiscal year 2024.
What is Eagle Bancorp's return on equity (ROE)?
Eagle Bancorp (EBMT) has a return on equity of 5.6% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Eagle Bancorp's free cash flow?
Eagle Bancorp (EBMT) generated $14.5M in free cash flow during fiscal year 2024. This represents a 398.6% 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 $28.5M in operating cash flow during fiscal year 2024, 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 2024, including both current and long-term assets.
What are Eagle Bancorp's capital expenditures?
Eagle Bancorp (EBMT) invested $14.1M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
Does Eagle Bancorp buy back shares?
Yes, Eagle Bancorp (EBMT) spent $419K on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
How many shares does Eagle Bancorp have outstanding?
Eagle Bancorp (EBMT) had 8M shares outstanding as of fiscal year 2024.
What is Eagle Bancorp's debt-to-equity ratio?
Eagle Bancorp (EBMT) had a debt-to-equity ratio of 0.34 as of fiscal year 2024, 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 0.5% for fiscal year 2024, 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 5 out of 9, indicating neutral 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 2.92x, 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 65 out of 100 on our Financial Profile, indicating strong 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.