Eagle Bancorp Inc. Common Stock (EGBN)

FairStock Score: 35/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Eagle Bancorp is a $859 million regional bank holding company. In Graham terms, I start with the record: filed results show net income of $100.5 million in FY2023, then losses of $47.0 million in FY2024 and $138.1 million in FY2025. That is not the consistency I prize. The latest two filed quarters are encouraging: $14.7 million in fiscal Q1 2026 and $6.9 million in fiscal Q2 2026, or $0.48 and $0.23 per diluted share. FairStock's P/E is negative at -17.73, ROE is -4.14%, and Piotroski is 4/9. The market price on 2026-10-13 was $28.19, near the top of the $15.03-$29.29 52-week range, while P/B is 0.75. A bank below book can be a bargain if the loan book and capital are sound, but it can also be a value trap if book value is overstated by credit losses. I cannot verify CET1, net interest margin, nonperforming loans, reserves, or efficiency here; those are the measures that matter most for a bank. The Lynch category is TURNAROUND, and the reason is a loss in the latest year after earlier profits. Turnarounds are speculative. The moat of a small regional bank is thin—deposits, local relationships, and underwriting discipline—not a wide durable advantage. Revenue growth of 3.45% is modest. The profit-growth figure of 778.69% is a FairStock calculation and likely flatters a rebound from losses. At 0.75x book, the price looks cheap against current book, but only if earnings and credit normalize. I would need several more clean quarters and credit detail before calling this a sound value.

In plain English: Eagle Bancorp is a bank holding company for EagleBank, serving businesses and consumers mainly in the United States. The business looks weak: it lost money in fiscal 2024 and fiscal 2025, though it made small profits in the first two quarters of 2026. The stock trades below the accounting value of its net assets, which can look cheap, but that discount may reflect real worries about loan losses and future profits.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer