Eagle Bancorp

EGBN · Nasdaq · Financials · Financials, fiscal 2016 to 2025

EGBN · Last close · November 6, 2026

$33.81

Eagle Bancorp's revenue fell 3.1% to $299 million in fiscal 2025. Net income was −$138 million. Its return on equity was −11.7%, down from −3.8% a year earlier. Its efficiency ratio was 67.1%, down from 89.0% a year earlier. It paid out $15 million in dividends and buybacks. The diluted share count rose 0.6%.

Eagle Bancorp, Inc. Latest fiscal year ended December 31, 2025 10-K filed March 9, 2026 · 0001050441-26-000021 Updated November 6, 2026

Revenue

$299M

3.1%

Net income

−$138M

Return on equity

−11.7%

8.0 pts

Return on tangible equity

−11.7%

7.8 pts

Efficiency ratio

67.1%

21.9 pts

Market cap

$1.0B

Nov 6 close

P/E

23.8x

On $1.42 EPS, 4 qtrs

Return on equity is net income as a share of shareholders' equity; return on tangible equity leaves out goodwill and other intangible assets. The efficiency ratio is operating costs as a share of revenue, so lower means the bank spends less to earn each dollar. Market cap is the last closing share price times the latest diluted share count, so it is approximate. P/E is the last close divided by diluted earnings per share over the last four quarters, or the latest fiscal year where the quarters aren't available; there is none when the company made a loss.

Charts show fiscal years, from the 10-K filings.

What Eagle Bancorp does

Eagle Bancorp is the bank holding company for EagleBank, a Maryland-chartered commercial bank. The company is based in Bethesda, Maryland, and was formed in 1997 by local business people and professionals; the bank opened in 1998.

The bank serves the Washington, D.C. area through twelve branches: six in suburban Maryland, three in the District of Columbia and three in Northern Virginia. It also has four lending centers and offers remote deposit and mobile banking. It makes money mainly from interest on loans funded by customer deposits, and a significant part of its loan book is secured by commercial properties.

The bank owns a few small subsidiaries. One holds real estate acquired through foreclosure, one receives fees from an insurance referral program, and Landroval Municipal Finance focuses on lending to municipalities.

Its biggest risks, as it describes them

A large part of its loans are secured by commercial properties, so weak property markets could hurt it.
Its reserve for credit losses rests on estimates and may not cover actual losses.
It faces competition for deposits and could see customers withdraw large deposits.
Deposits above the insured limit may be more likely to leave the bank.
Failing to meet capital and regulatory requirements would hurt its business.

From Eagle Bancorp's annual report on Form 10-K, filed March 9, 2026, in our words; the 10-K has the full description and every risk factor. Updated with each new annual report.

Income statement

Revenue and net income

US$ billions, fiscal years; net losses in red. Revenue on the left axis, net income on the right; zero is the same line on both. Revenue is net of interest expense.

Revenue (left axis)Net income (right axis)

Efficiency ratio and net interest income

Percent of revenue. The efficiency ratio is noninterest expense over revenue.

Efficiency ratioNet interest income share

From fiscal 2016 to 2023, earnings per share grew 2.1% a year and net income 0.4% a year, as buybacks cut the share count by 11%. Eagle Bancorp then lost money in fiscal 2024 and 2025.

Diluted earnings per share

US$ per share, fiscal years, restated for any stock splits; loss years in red.

Return on equity

Percent. Net income over average equity; tangible equity excludes goodwill, intangibles and preferred stock.

Return on equityReturn on tangible common equity

Balance sheet

Loans and deposits

US$ billions, at each fiscal year end

Loans, netDeposits

Total assets and shareholders' equity

US$ billions, at each fiscal year end. Assets on the left axis, equity on the right.

Total assets (left axis)Equity (right axis)

Five years at a glance

Fiscal year end	FY21	FY22	FY23	FY24	FY25
Loans, net	—	—	—	—	—
Deposits	9,982	8,713	8,808	9,131	9,134
Loans to deposits	—	—	—	—	—
Provision for credit losses	−21	0	32	66	293
Provision to average loans	—	—	—	—	—
Total assets	11,847	11,151	11,664	11,130	10,497
Shareholders' equity	1,351	1,228	1,274	1,226	1,131

US$ millions unless stated, at each fiscal year end.

Cash flow

Stock-based compensation and buybacks

US$ billions, fiscal years. Shares paid to employees (stock-based compensation, a cost that uses no cash) against cash spent buying shares back. Buybacks that only match it leave the share count roughly where it was.

Stock-based compensationShare buybacks

Dividends and buybacks

US$ billions, cash paid in each fiscal year

DividendsShare buybacks

Diluted share count

Weighted-average diluted shares, millions

Projections

Project Eagle Bancorp's revenue, net income and earnings per share five years ahead in a bull, a base and a bear case with your own figures, and see the share prices your P/E estimates give them. Every projected figure is yours: it is not a forecast of ours.

Open Eagle Bancorp's projections

Insider trades

Over the 12 months between November 7, 2025 and November 6, 2026, 2 insiders bought $101,538 of Eagle Bancorp shares on the open market, and none sold any.

Buys and sells by month

US$ millions, open-market purchases (up) and sales (down) by officers, directors and 10% owners in each month.

BoughtSold

Date	Insider	Trade	Shares	Price	Value	Filing
Nov 21, 2025	Louis P. Mathews Jr.Director	Bought	1,500	$17.20	$25,800	Form 4
Nov 19, 2025	Louis P. Mathews Jr.Director	Bought	1,500	$16.84	$25,260	Form 4
Nov 14, 2025	Eric R NewellSenior EVP, CFO	Bought	3,050	$16.55	$50,478	Form 4

Open-market purchases and sales by officers, directors and 10% owners, from their Form 4 filings with the SEC: one row per person, day and filing, at the day's average price. Grants, option exercises and shares withheld for tax aren't counted. Insiders buy and sell for many reasons, such as taxes, spreading their savings or a plan set up months earlier, so a trade on its own says little about where a company is heading. For information only, not investment advice. Insider trades at all companies

Compare

Put Eagle Bancorp side by side with any other company we cover: revenue, growth, margins, cash flow and returns, with ten years of charts.

Similar companies

Company	Year	Revenue growth	Net margin	Return on equity	Return on tangible equity	Efficiency ratio	Compare
Eagle Bancorp	FY25	−3.1%	−46.1%	−11.7%	−11.7%	67.1%
City	FY25	7.0%	41.5%	16.9%	20.9%	49.0%	Compare
Hanmi Financial	FY25	15.3%	28.2%	10.0%	10.0%	54.7%	Compare
Lakeland Financial	FY25	6.1%	38.4%	14.3%	14.4%	48.9%	Compare
Westamerica Bank	FY25	−12.2%	45.0%	12.7%	14.7%	39.5%	Compare

Each company's latest fiscal year. Fiscal years end in different months, so the periods don't line up exactly.

10 years of figures

Fiscal year	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Income statement
Revenue	285	313	340	350	367	365	356	312	309	299
Revenue growth	9.6%	9.7%	8.4%	3.0%	5.0%	−0.6%	−2.3%	−12.5%	−1.1%	−3.1%
Net interest income	258	284	317	324	322	324	333	290	289	270
Noninterest income	27	29	23	26	46	40	24	22	20	29
Noninterest expense	115	119	127	140	144	149	165	153	275	201
Provision for credit losses	11	9	9	13	46	−21	0	32	66	293
Net income	98	100	152	143	132	177	141	100	−47	−138
Diluted EPS (US$)	2.86	2.92	4.42	4.18	4.09	5.52	4.39	3.31	−1.56	−4.55
Diluted shares (millions)	34	34	34	34	32	32	32	30	30	30
Payouts
Dividends paid	0	0	0	22	28	45	56	55	46	15
Share buybacks	0	0	0	55	61	1	33	48	0	0
Balance sheet at fiscal year end
Loans, net	5,619	6,347	6,922	7,472	—	—	—	—	—	—
Deposits	5,716	5,854	6,974	7,224	9,189	9,982	8,713	8,808	9,131	9,134
Total assets	6,890	7,479	8,389	8,989	11,118	11,847	11,151	11,664	11,130	10,497
Shareholders' equity	843	950	1,109	1,191	1,241	1,351	1,228	1,274	1,226	1,131
Ratios
Return on equity	12.4%	11.2%	14.8%	12.4%	10.9%	13.6%	10.9%	8.0%	−3.8%	−11.7%
Return on tangible common equity	—	12.7%	16.4%	13.7%	11.9%	14.8%	11.9%	8.8%	−3.9%	−11.7%
Return on assets	1.5%	1.4%	1.9%	1.6%	1.3%	1.5%	1.2%	0.9%	−0.4%	−1.3%
Efficiency ratio	40.3%	37.8%	37.3%	40.0%	39.2%	40.9%	46.3%	49.1%	89.0%	67.1%

US$ millions unless stated. Where a later 10-K restated a year, the latest filed figure is shown. Download all figures (CSV, US$ millions)

Source: Eagle Bancorp's Form 10-K filings, from SEC EDGAR. For information only, not investment advice. The Filing Desk is not affiliated with Eagle Bancorp.