Eagle Bancorp, Inc. (EGBN) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

-0.2%

$34.10

vs $34.17 price

Levered DCF

$50.63

After debt service

Piotroski score

4 / 9

Average

Altman Z-score

0.29

Distress zone

Rating

B+

Overall 3 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
P/E	-5.09×	-16.69×	9.11×	10.02×	10.55×	10.1×	11.63×	10.97×
P/B	0.57×	0.64×	0.72×	1.15×	1.38×	1.08×	1.4×	1.51×
P/S	1.02×	1.11×	1.42×	3.15×	4.6×	3.07×	3.65×	4.02×
EV / EBITDA	-0.38×	-28.74×	12.9×	11.61×	2.46×	1.09×	9.79×	7.62×
Gross margin	3.2%	34.5%	43.4%	79.1%	95.5%	73.5%	73.9%	79.6%
Operating margin	-26.9%	-4.3%	19.7%	42.3%	58.7%	40.4%	43.2%	49.1%
Net margin	-20.2%	-6.6%	15.5%	31.4%	43.6%	30.3%	31.4%	36.6%
Current ratio	293.43×	0.16×	0.22×	0.19×	0.42×	0.31×	0.14×	0.16×
Debt / equity	0.1×	0.51×	1.17×	0.9×	0.32×	0.5×	0.44×	0.22×
Interest coverage	-0.51×	-0.08×	0.38×	2.07×	5.94×	2.57×	1.86×	2.68×
Dividend yield	2.4%	5.8%	6.0%	4.0%	2.4%	2.1%	1.3%	0.0%
Payout ratio	-12.0%	-97.0%	54.7%	39.6%	25.3%	21.4%	15.6%	0.0%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Return on equity	-11.2%	-3.8%	7.9%	11.5%	13.1%	10.7%	12.0%	13.7%
Return on invested capital	-1.1%	-1.5%	3.5%	5.8%	9.5%	6.9%	8.1%	10.8%
Return on assets	-1.2%	-0.4%	0.9%	1.3%	1.5%	1.2%	1.6%	1.8%
Free cash flow yield	3.2%	15.7%	21.4%	13.7%	12.5%	9.7%	7.8%	9.8%
Earnings yield	-19.8%	-6.0%	11.0%	10.0%	9.5%	9.9%	8.6%	9.1%
Enterprise value	$63.8M	$777.2M	$1.7B	$2.2B	$598.4M	$197.4M	$2B	$1.6B
Net debt / EBITDA	3.49×	0.29×	5.91×	4.31×	-5.19×	-6.29×	1.6×	-0.29×
Cash conversion cycle (days)	0	0	0	0	0	0	0	0