Eagle Bancorp Inc - Understand $egbn stock

$EGBN Market Cap: $883.7 Million

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Financial Snapshot

Revenue

$519.1M

TTM

Gross Margin

Net Earnings

-$42.10M

TTM

Current Assets

Current Liabilities

$50.80M

Q3 2024

Current Ratio

Total Assets

$11.29B

Q3 2024

Total Liabilities

$10.06B

Q3 2024

Book Value

$1.225B

Q3 2024

Cash

$610.5M

Q3 2024

P/E

-20.99

Nov 13, 2024 EST

Free Cash Flow

$114.9M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998
Revenue	$625.3M	$424.6M	$364.5M	$390.0M	$429.6M	$393.3M	$324.0M	$285.8M	$253.2M	$191.6M			$119.1M	$96.66M	$84.34M
YoY Change	47.27%	16.49%	-6.54%	-9.23%	9.24%	21.37%	13.38%	12.89%	32.16%				23.24%	14.61%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2011	2010	2009
Revenue	$625.3M	$424.6M	$364.5M	$390.0M	$429.6M	$393.3M	$324.0M	$285.8M	$253.2M	$191.6M	$119.1M	$96.66M	$84.34M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$3.480M	$3.319M	$5.874M	$4.696M	$6.174M	$6.969M	$6.883M	$6.226M	$7.780M	$9.027M	$4.200M	$3.400M	$2.600M	$2.500M	$2.100M	$1.600M	$1.300M	$1.200M	$1.100M	$1.000M	$700.0K	$600.0K	$400.0K	$300.0K	$300.0K	$100.0K
YoY Change	4.85%	-43.5%	25.09%	-23.94%	-11.41%	1.25%	10.55%	-19.97%	-13.81%	114.93%	23.53%	30.77%	4.0%	19.05%	31.25%	23.08%	8.33%	9.09%	10.0%	42.86%	16.67%	50.0%	33.33%	0.0%	200.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2011	2010	2009
Interest Expense	$334.8M	$91.75M	$39.98M	$68.42M	$105.6M	$76.29M	$40.15M	$27.64M	$19.24M	$13.10M	$20.08M	$19.83M	$24.81M
YoY Change	264.9%	129.47%	-41.57%	-35.2%	38.39%	90.03%	45.25%	43.67%	46.91%		1.24%	-20.06%
% of Operating Profit
Other Income/Expense, Net	$15.51M	$14.41M	$12.61M	$14.68M	$15.99M	$15.78M	$15.87M	$15.26M	$15.64M	$10.51M
YoY Change	7.66%	14.24%	-14.1%	-8.22%	1.34%	-0.54%	4.02%	-2.44%	48.77%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998
Pretax Income	$127.5M	$189.7M	$237.7M	$176.1M	$196.8M	$204.2M	$185.7M	$159.1M	$135.2M	$86.22M	$75.30M	$56.20M	$38.29M	$25.76M	$16.38M	$11.60M	$12.00M	$12.70M	$11.90M	$8.000M	$5.100M	$4.200M	$2.000M	$1.100M	-$900.0K	-$1.400M
YoY Change	-32.77%	-20.19%	34.93%	-10.49%	-3.63%	9.95%	16.74%	17.67%	56.83%	14.5%	33.99%	46.78%	48.67%	57.2%	41.24%	-3.33%	-5.51%	6.72%	48.75%	56.86%	21.43%	110.0%	81.82%	-222.22%	-35.71%
Income Tax	$26.99M	$48.75M	$60.98M	$43.93M	$53.85M	$51.93M	$85.50M	$61.40M	$51.05M	$31.96M	$28.30M	$20.90M	$13.73M	$9.098M	$5.965M	$4.100M	$4.300M	$4.700M	$4.400M	$2.900M	$1.900M	$1.600M	$300.0K	$0.00	$0.00	$0.00
% Of Pretax Income	21.16%	25.7%	25.66%	24.94%	27.36%	25.43%	46.04%	38.59%	37.75%	37.07%	37.58%	37.19%	35.86%	35.33%	36.41%	35.34%	35.83%	37.01%	36.97%	36.25%	37.25%	38.1%	15.0%	0.0%
Net Earnings	$100.5M	$140.9M	$176.7M	$132.2M	$142.9M	$152.3M	$100.2M	$97.71M	$84.17M	$54.26M	$47.00M	$35.30M	$24.56M	$16.66M	$10.42M	$7.400M	$7.700M	$8.000M	$7.500M	$5.100M	$3.200M	$2.700M	$1.800M	$1.100M	-$900.0K	-$1.400M
YoY Change	-28.66%	-20.24%	33.64%	-7.5%	-6.13%	51.92%	2.58%	16.09%	55.12%	15.44%	33.14%	43.74%	47.43%	59.87%	40.8%	-3.9%	-3.75%	6.67%	47.06%	59.38%	18.52%	50.0%	63.64%	-222.22%	-35.71%
Net Earnings / Revenue	16.08%	33.19%	48.48%	33.9%	33.27%	38.72%	30.93%	34.19%	33.24%	28.32%			20.62%	17.23%	12.35%
Basic Earnings Per Share	$3.31	$4.40	$5.53	$4.09	$4.18	$4.44	$2.94	$2.91	$2.54	$2.01			$1.16	$0.78	$0.55
Diluted Earnings Per Share	$3.33	$4.390M	$5.52	$4.09	$4.18	$4.42	$2.92	$2.86	$2.50	$1.95	$1.780M	$1.489M	$1.14	$0.77	$0.55	$632.5K	$713.0K	$740.7K	$694.4K	$485.7K	$415.6K	$465.5K	$321.4K	$203.7K	-$166.7K	-$500.0K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$29.32M	$38.02M	$45.00M	$39.00M	$42.00M	$17.00M	$21.00M	$21.00M	$18.00M	$19.00M	$17.00M	$15.00M	$12.00M	$9.000M	$9.000M	$10.00M	$7.000M	$7.000M	$6.000M	$6.000M	$4.000M	$4.000M	$3.000M	$3.000M	$3.000M	$2.000M
YoY Change	-22.89%	-15.51%	15.38%	-7.14%	147.06%	-19.05%	0.0%	16.67%	-5.26%	11.76%	13.33%	25.0%	33.33%	0.0%	-10.0%	42.86%	0.0%	16.67%	0.0%	50.0%	0.0%	33.33%	0.0%	0.0%	50.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$86.62M	$96.57M	$43.00M	$39.00M	$30.00M	$33.00M	$29.00M	$48.00M	$40.00M	$33.00M	$29.00M	$19.00M	$15.00M	$14.00M	$12.00M	$11.00M	$4.000M	$3.000M	$3.000M	$1.000M	$1.000M	$0.00	$0.00
YoY Change	-10.3%	124.57%	10.26%	30.0%	-9.09%	13.79%	-39.58%	20.0%	21.21%	13.79%	52.63%	26.67%	7.14%	16.67%	9.09%	175.0%	33.33%	0.0%	200.0%	0.0%
Total Long-Term Assets
YoY Change
Total Assets	$11.66B	$11.15B	$11.85B	$11.12B	$8.989B	$8.389B	$7.479B	$6.890B	$6.076B	$5.248B	$3.772B	$3.409B	$2.831B	$2.089B	$1.806B	$1.497B	$846.0M	$773.0M	$672.0M	$553.0M	$443.0M	$348.0M	$237.0M	$164.0M	$113.0M	$52.00M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$23.24M	$29.27M	$36.00M	$28.00M	$30.00M
YoY Change	-20.6%	-18.7%	28.57%	-6.67%
Deferred Revenue
YoY Change
Short-Term Debt	$30.59M	$35.10M	$24.00M	$27.00M	$31.00M	$30.00M	$77.00M	$69.00M	$72.00M	$61.00M	$80.00M	$101.0M	$103.0M	$98.00M	$91.00M	$99.00M	$76.00M	$38.00M	$32.00M	$24.00M	$38.00M	$25.00M	$13.00M	$11.00M	$8.000M	$2.000M
YoY Change	-12.86%	46.25%	-11.11%	-12.9%	3.33%	-61.04%	11.59%	-4.17%	18.03%	-23.75%	-20.79%	-1.94%	5.1%	7.69%	-8.08%	30.26%	100.0%	18.75%	33.33%	-36.84%	52.0%	92.31%	18.18%	37.5%	300.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$53.83M	$29.27M	$36.00M	$28.00M	$30.00M	$30.00M	$77.00M	$69.00M	$72.00M	$61.00M	$80.00M	$101.0M	$103.0M	$98.00M	$91.00M	$99.00M	$76.00M	$38.00M	$32.00M	$24.00M	$38.00M	$25.00M	$13.00M	$11.00M	$8.000M	$2.000M
YoY Change	83.91%	-18.7%	28.57%	-6.67%	0.0%	-61.04%	11.59%	-4.17%	18.03%	-23.75%	-20.79%	-1.94%	5.1%	7.69%	-8.08%	30.26%	100.0%	18.75%	33.33%	-36.84%	52.0%	92.31%	18.18%	37.5%	300.0%
Long-Term Debt	$69.92M	$69.79M	$70.00M	$268.0M	$218.0M	$217.0M	$217.0M	$217.0M	$69.00M	$119.0M	$39.00M	$39.00M	$49.00M	$49.00M	$49.00M	$62.00M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$2.000M	$0.00	$0.00	$0.00
YoY Change	0.18%	-0.29%	-73.88%	22.94%	0.46%	0.0%	0.0%	214.49%	-42.02%	205.13%	0.0%	-20.41%	0.0%	0.0%	-20.97%							-100.0%
Other Long-Term Liabilities	$158.5M	$100.2M	$86.00M	$65.00M	$45.00M	$58.00M	$56.00M	$46.00M	$37.00M	$36.00M	$32.00M	$22.00M	$20.00M	$11.00M	$7.000M	$9.000M	$6.000M	$4.000M	$6.000M	$2.000M	$1.000M	$1.000M	$1.000M	$1.000M	$0.00	$0.00
YoY Change	58.17%	16.5%	32.31%	44.44%	-22.41%	3.57%	21.74%	24.32%	2.78%	12.5%	45.45%	10.0%	81.82%	57.14%	-22.22%	50.0%	50.0%	-33.33%	200.0%	100.0%	0.0%	0.0%	0.0%
Total Long-Term Liabilities	$158.5M	$170.0M	$156.0M	$333.0M	$263.0M	$275.0M	$273.0M	$263.0M	$106.0M	$155.0M	$71.00M	$61.00M	$69.00M	$60.00M	$56.00M	$71.00M	$6.000M	$4.000M	$6.000M	$2.000M	$1.000M	$1.000M	$3.000M	$1.000M	$0.00	$0.00
YoY Change	-6.77%	8.96%	-53.15%	26.62%	-4.36%	0.73%	3.8%	148.11%	-31.61%	118.31%	16.39%	-11.59%	15.0%	7.14%	-21.13%	1083.33%	50.0%	-33.33%	200.0%	100.0%	0.0%	-66.67%	200.0%
Total Liabilities	$10.39B	$9.923B	$10.50B	$9.877B	$7.798B	$7.280B	$6.529B	$6.047B	$5.337B	$4.627B	$3.378B	$3.059B	$2.565B	$1.885B	$1.617B	$1.354B	$765.0M	$701.0M	$607.0M	$495.0M	$390.0M	$328.0M	$220.0M	$149.0M	$100.0M	$37.00M
YoY Change	4.71%	-5.47%	6.28%	26.66%	7.12%	11.5%	7.97%	13.3%	15.34%	36.97%	10.43%	19.26%	36.07%	16.57%	19.42%	76.99%	9.13%	15.49%	22.63%	26.92%	18.9%	49.09%	47.65%	49.0%	170.27%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Basic Shares Outstanding	30.35M shares	32.00M shares	31.94M shares	32.33M shares	34.18M shares	34.31M shares	34.14M	33.59M	32.84M	26.68M
Diluted Shares Outstanding	30.39M shares	32.08M shares	32.00M shares	32.36M shares	34.21M shares	34.44M shares	34.32M	34.18M	33.48M	27.55M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $883.7 Million

About Eagle Bancorp Inc

Eagle Bancorp, Inc. operates as a bank holding company, which engages in the provision of commercial banking services. The company is headquartered in Bethesda, Maryland and currently employs 452 full-time employees. The Bank is a chartered commercial bank. The Company, through the Bank, conducts a full-service community banking business in Northern Virginia, Suburban Maryland and Washington, D.C. The primary financial services offered by the Bank include real estate, commercial and consumer lending, as well as traditional deposit and repurchase agreement products. The Bank offers a range of commercial banking services to its business and professional clients, as well as consumer banking services to individuals living and/or working primarily in the Bank’s market area. The Bank’s loan portfolio consists of traditional business and real estate secured loans. The company operates 13 branch offices: six in Suburban Maryland, four located in the District of Columbia, and three in Northern Virginia. The company also has four lending centers and utilizes various digital capabilities, including remote deposit services and mobile banking services.

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