What is Eagle Bancorp Inc Md's earnings per share (EPS)?

Eagle Bancorp Inc Md (EGBN) reported diluted earnings per share of $-4.55 for fiscal year 2025. This represents a -191.7% 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.

Eagle Bancorp Inc Md Financials

EGBN

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows Eagle Bancorp Inc Md (EGBN) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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).

Rhea AI EGBN FY2025 2026-05-07

Eagle Bancorp’s earnings pressure now reflects a compressed funding spread where profit eroded faster than the balance sheet shrank.

FY2025 did not look like a simple volume problem: revenue was still $604.5M, but interest expense had climbed to $334.6M, absorbing far more of the revenue base than it once did. With overhead roughly flat and net margin sliding from 48.5% to -22.8%, the earnings break appears tied more to a much thinner spread between asset yields and funding costs than to administrative bloat.

The balance sheet is being trimmed: total assets moved from $11.1B in FY2024 to $10.5B in FY2025, and liabilities fell alongside them rather than moving the other way. That means the company is not masking losses by piling on borrowings, yet equity erosion still left book capital at $1.13B and asset profitability negative.

Operating cash flow dropped from $123.8M in FY2024 to $28.5M in FY2025, which means the cash engine weakened even before you think about capital spending. Because this is a low-capex model with capex of only $7.7M, free cash flow at $20.8M is mainly a readout of weaker earnings conversion, not expansion spending.

Financial Health Signals

Financial Health Score 16/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Eagle Bancorp Inc Md's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

2/7

Eagle Bancorp Inc Md passes 2 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Mixed

-0.21x

For every $1 of reported earnings, Eagle Bancorp Inc Md generates $-0.21 in operating cash flow ($28.5M OCF vs -$138.1M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$604.5M

YoY-12.1%

5Y CAGR+9.2%

10Y CAGR+9.1%

Eagle Bancorp Inc Md generated $604.5M in revenue in fiscal year 2025. This represents a decrease of 12.1% from the prior year.

EBITDA

N/A

Net Income

-$138.1M

YoY-193.5%

Eagle Bancorp Inc Md reported -$138.1M in net income in fiscal year 2025. This represents a decrease of 193.5% from the prior year.

EPS (Diluted)

$-4.55

YoY-191.7%

Eagle Bancorp Inc Md earned $-4.55 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 191.7% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$20.8M

YoY-83.2%

5Y CAGR-30.7%

10Y CAGR-14.0%

Eagle Bancorp Inc Md generated $20.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 83.2% from the prior year.

Cash & Debt

$695.7M

YoY+9.8%

5Y CAGR-17.2%

10Y CAGR+8.8%

Eagle Bancorp Inc Md held $695.7M in cash against $76.4M in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.51

YoY-52.3%

5Y CAGR-10.3%

Eagle Bancorp Inc Md paid $0.51 per share in dividends in fiscal year 2025. This represents a decrease of 52.3% from the prior year.

Shares Outstanding

30M

YoY+0.5%

5Y CAGR-0.9%

10Y CAGR-1.0%

Eagle Bancorp Inc Md had 30M shares outstanding in fiscal year 2025. This represents an increase of 0.5% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

-22.8%

YoY-16.0pp

5Y CAGR-56.7pp

10Y CAGR-56.1pp

Eagle Bancorp Inc Md's net profit margin was -22.8% in fiscal year 2025, showing the share of revenue converted to profit. This is down 16.0 percentage points from the prior year.

Return on Equity

-12.2%

YoY-8.4pp

5Y CAGR-22.8pp

10Y CAGR-23.6pp

Eagle Bancorp Inc Md's ROE was -12.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 8.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

Eagle Bancorp Inc Md spent $0 on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$7.7M

YoY+2272.1%

5Y CAGR+21.3%

10Y CAGR+5.2%

Eagle Bancorp Inc Md invested $7.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 2272.1% from the prior year.

EGBN Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$604.5M-12.1%	$687.6M+10.0%	$625.3M+47.3%	$424.6M+16.5%	$364.5M-6.5%	$390.0M
Cost of Revenue	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
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$87.9M+0.1%	$87.8M+1.9%	$86.1M+2.4%	$84.1M-4.9%	$88.4M+18.8%	$74.4M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$334.6M-16.1%	$398.9M+19.1%	$334.8M+264.9%	$91.7M+129.5%	$40.0M-41.6%	$68.4M
Income Tax	-$58.1M-446.1%	$16.8M-37.8%	$27.0M-44.6%	$48.8M-20.1%	$61.0M+38.8%	$43.9M
Net Income	-$138.1M-193.5%	-$47.0M-146.8%	$100.5M-28.7%	$140.9M-20.2%	$176.7M+33.6%	$132.2M
EPS (Diluted)	$-4.55-191.7%	$-1.56-147.1%	$3.31-24.6%	$4.39-20.5%	$5.52+35.0%	$4.09

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$131.9M-11.5%	$149.1M-0.7%	$150.1M-0.9%	$151.4M-1.6%	$153.9M-8.6%	$168.4M-3.1%	$173.8M+2.4%	$169.7M
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	$23.2M+2.6%	$22.7M+6.4%	$21.3M-3.0%	$21.9M-0.1%	$22.0M-2.8%	$22.6M+4.3%	$21.7M-0.4%	$21.8M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$68.2M-15.5%	$80.8M-1.5%	$81.9M-2.1%	$83.7M-5.2%	$88.2M-9.6%	$97.6M-4.3%	$102.0M+3.7%	$98.4M
Income Tax	$1.3M+152.1%	-$2.6M+84.8%	-$16.9M+57.1%	-$39.4M-5206.6%	$772K-82.9%	$4.5M-7.4%	$4.9M+9.8%	$4.4M
Net Income	$14.7M+703.4%	-$2.4M+96.4%	-$67.5M+3.2%	-$69.8M-4265.7%	$1.7M-89.0%	$15.3M-29.9%	$21.8M+126.0%	-$83.8M
EPS (Diluted)	$0.48	N/A	$-2.22+3.5%	$-2.30-3933.3%	$0.06	N/A	$0.72+125.9%	$-2.78

EGBN Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$10.5B-5.7%	$11.1B-4.6%	$11.7B+4.6%	$11.2B-5.9%	$11.8B+6.6%	$11.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$695.7M+9.8%	$633.5M-12.3%	$722.7M+131.7%	$311.9M-81.8%	$1.7B-4.2%	$1.8B
Inventory	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
Goodwill	N/A	$0-100.0%	$104.2M0.0%	$104.2M0.0%	$104.2M0.0%	$104.2M
Total Liabilities	$9.4B-5.4%	$9.9B-4.7%	$10.4B+4.7%	$9.9B-5.5%	$10.5B+6.3%	$9.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$76.4M+0.4%	$76.1M	$0-100.0%	$69.8M+0.2%	$69.7M-74.0%	$268.1M
Total Equity	$1.1B-7.7%	$1.2B-3.8%	$1.3B+3.7%	$1.2B-9.1%	$1.4B+8.9%	$1.2B
Retained Earnings	$837.6M-14.7%	$982.3M-7.5%	$1.1B+4.6%	$1.0B+9.2%	$930.1M+16.5%	$798.1M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$10.0B-5.2%	$10.5B-2.9%	$10.8B+2.0%	$10.6B-6.3%	$11.3B+1.7%	$11.1B-1.4%	$11.3B-0.2%	$11.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$579.4M-16.7%	$695.7M-18.2%	$850.8M+230.6%	$257.3M-62.0%	$676.7M+6.8%	$633.5M+3.8%	$610.5M+12.5%	$542.8M
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	N/A	N/A	N/A	$0	N/A	$0	$0	$0
Total Liabilities	$8.8B-5.9%	$9.4B-3.4%	$9.7B+2.9%	$9.4B-6.5%	$10.1B+1.7%	$9.9B-1.6%	$10.1B-0.7%	$10.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$76.5M+0.1%	$76.4M+0.1%	$76.3M+0.1%	$76.3M+0.1%	$76.2M+0.1%	$76.1M+0.4%	$75.8M	N/A
Total Equity	$1.1B+1.2%	$1.1B+0.7%	$1.1B-5.2%	$1.2B-4.8%	$1.2B+1.5%	$1.2B+0.1%	$1.2B+4.8%	$1.2B
Retained Earnings	$852.0M+1.7%	$837.6M+0.7%	$831.7M-8.0%	$904.2M-7.6%	$979.0M-0.3%	$982.3M+1.6%	$967.0M+1.8%	$949.9M

EGBN Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$28.5M-77.0%	$123.8M-36.7%	$195.6M+0.4%	$194.9M-18.3%	$238.4M+79.1%	$133.1M
Capital Expenditures	$7.7M+2272.1%	$326K+365.7%	$70K-96.7%	$2.1M-60.0%	$5.3M+79.5%	$2.9M
Free Cash Flow	$20.8M-83.2%	$123.4M-36.9%	$195.6M+1.4%	$192.8M-17.3%	$233.2M+79.1%	$130.2M
Investing Cash Flow	$570.4M+83.6%	$310.7M+418.1%	-$97.7M+89.5%	-$927.1M-8.1%	-$857.9M-53.8%	-$557.7M
Financing Cash Flow	-$536.7M-2.5%	-$523.7M-267.4%	$312.9M+146.7%	-$670.2M-223.0%	$544.7M-72.4%	$2.0B
Dividends Paid	$15.3M-66.4%	$45.6M-17.0%	$55.0M-1.4%	$55.8M+24.8%	$44.7M+57.8%	$28.3M
Share Buybacks	$0	$0-100.0%	$48.0M+45.2%	$33.1M+4751.5%	$682K-98.9%	$61.4M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$14.9M+351.4%	-$5.9M-129.8%	$19.8M+169.3%	-$28.6M-166.3%	$43.2M+328.1%	$10.1M-81.9%	$55.6M+0.6%	$55.2M
Capital Expenditures	$587K-79.4%	$2.9M-29.0%	$4.0M+453.4%	$726K+426.1%	$138K-3.5%	$143K-6.5%	$153K+473.2%	-$41K
Free Cash Flow	$14.3M+262.9%	-$8.8M-155.4%	$15.8M+153.9%	-$29.3M-168.2%	$43.0M+332.9%	$9.9M-82.1%	$55.4M+0.4%	$55.2M
Investing Cash Flow	$412.2M+111.7%	$194.7M-34.1%	$295.4M+33.8%	$220.8M+257.1%	-$140.5M-179.6%	$176.4M+70.6%	$103.4M+312.1%	$25.1M
Financing Cash Flow	-$543.4M-58.0%	-$343.9M-223.6%	$278.2M+145.5%	-$611.5M-535.3%	$140.5M+185.9%	-$163.5M-79.0%	-$91.3M+64.2%	-$255.4M
Dividends Paid	$303K-1.6%	$308K-93.8%	$5.0M-0.2%	$5.0M+0.6%	$5.0M0.0%	$5.0M-63.3%	$13.6M0.0%	$13.6M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	$0	$0	$0

EGBN Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	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
Net Margin	-22.8%-16.0pp	-6.8%-22.9pp	16.1%-17.1pp	33.2%-15.3pp	48.5%+14.6pp	33.9%
Return on Equity	-12.2%-8.4pp	-3.8%-11.7pp	7.9%-3.6pp	11.5%-1.6pp	13.1%+2.4pp	10.7%
Return on Assets	-1.3%-0.9pp	-0.4%-1.3pp	0.9%-0.4pp	1.3%-0.2pp	1.5%+0.3pp	1.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.070.0	0.06+0.1	0.00-0.1	0.060.0	0.05-0.2	0.22
FCF Margin	3.4%-14.5pp	17.9%-13.3pp	31.3%-14.1pp	45.4%-18.6pp	64.0%+30.6pp	33.4%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	11.2%+12.8pp	-1.6%+43.3pp	-45.0%+1.1pp	-46.1%-47.2pp	1.1%-8.0pp	9.1%-3.5pp	12.6%+61.9pp	-49.4%
Return on Equity	1.3%+1.5pp	-0.2%+5.8pp	-6.0%-0.1pp	-5.9%-6.0pp	0.1%-1.1pp	1.3%-0.5pp	1.8%+8.9pp	-7.2%
Return on Assets	0.1%+0.2pp	-0.0%+0.6pp	-0.6%+0.0pp	-0.7%-0.7pp	0.0%-0.1pp	0.1%-0.1pp	0.2%+0.9pp	-0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.070.0	0.070.0	0.070.0	0.060.0	0.060.0	0.060.0	0.06-8.6	8.66
FCF Margin	10.8%+16.7pp	-5.9%-16.4pp	10.5%+29.9pp	-19.4%-47.4pp	28.0%+22.1pp	5.9%-26.0pp	31.9%-0.6pp	32.5%

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Frequently Asked Questions

What is Eagle Bancorp Inc Md's annual revenue?

Eagle Bancorp Inc Md (EGBN) reported $604.5M in total revenue for fiscal year 2025. This represents a -12.1% 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 Inc Md's revenue growing?

Eagle Bancorp Inc Md (EGBN) revenue declined by 12.1% year-over-year, from $687.6M to $604.5M in fiscal year 2025.

Is Eagle Bancorp Inc Md profitable?

No, Eagle Bancorp Inc Md (EGBN) reported a net income of -$138.1M in fiscal year 2025, with a net profit margin of -22.8%.

How much debt does Eagle Bancorp Inc Md have?

As of fiscal year 2025, Eagle Bancorp Inc Md (EGBN) had $695.7M in cash and equivalents against $76.4M in long-term debt.

What is Eagle Bancorp Inc Md's net profit margin?

Eagle Bancorp Inc Md (EGBN) had a net profit margin of -22.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Eagle Bancorp Inc Md pay dividends?

Yes, Eagle Bancorp Inc Md (EGBN) paid $0.51 per share in dividends during fiscal year 2025.

What is Eagle Bancorp Inc Md's return on equity (ROE)?

Eagle Bancorp Inc Md (EGBN) has a return on equity of -12.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Eagle Bancorp Inc Md's free cash flow?

Eagle Bancorp Inc Md (EGBN) generated $20.8M in free cash flow during fiscal year 2025. This represents a -83.2% 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 Inc Md's operating cash flow?

Eagle Bancorp Inc Md (EGBN) generated $28.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Eagle Bancorp Inc Md's total assets?

Eagle Bancorp Inc Md (EGBN) had $10.5B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Eagle Bancorp Inc Md's capital expenditures?

Eagle Bancorp Inc Md (EGBN) invested $7.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Eagle Bancorp Inc Md have outstanding?

Eagle Bancorp Inc Md (EGBN) had 30M shares outstanding as of fiscal year 2025.

What is Eagle Bancorp Inc Md's debt-to-equity ratio?

Eagle Bancorp Inc Md (EGBN) had a debt-to-equity ratio of 0.07 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Eagle Bancorp Inc Md's return on assets (ROA)?

Eagle Bancorp Inc Md (EGBN) had a return on assets of -1.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Eagle Bancorp Inc Md's Piotroski F-Score?

Eagle Bancorp Inc Md (EGBN) has a Piotroski F-Score of 2 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Eagle Bancorp Inc Md's earnings high quality?

Eagle Bancorp Inc Md (EGBN) has an earnings quality ratio of -0.21x, considered mixed 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 Inc Md?

Eagle Bancorp Inc Md (EGBN) scores 16 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.