Eagle Bancorp
Relationship-focused commercial bank providing loans, deposits, and treasury services across the Washington, D.C. region.
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Profile
Provides commercial real estate, construction, business, SBA, municipal, and consumer lending alongside deposits and treasury management across the Washington, D.C. region. Revenue is driven mainly by the spread between interest earned on loans and securities and the cost of deposits and other funding, with commercial real estate still a material credit concentration.
Operates EagleBank as a full-service community bank across Suburban Maryland, Washington, D.C., and Northern Virginia. Commercial and industrial lending covers working capital, equipment, government contractors, and other business needs; real estate lending spans income-producing properties, owner-occupied buildings, construction, and development. Deposit accounts, treasury management, SBA lending, municipal finance, consumer credit, and digital banking round out the franchise.
Builds business through relationship bankers, local credit decisions, and tailored service for small and middle-market companies, professionals, nonprofits, property owners, and individuals. Management is reducing legacy commercial real estate concentrations while expanding commercial-and-industrial relationships and core operating deposits. Earnings depend mainly on the spread between loan yields and funding costs, deposit stability, and borrower credit quality; commercial real estate remains a material balance-sheet concentration under federal and Maryland banking oversight.
Company facts
Categories
Key statistics
Year to date +32.3% · Average volume (30d) 258.5K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Apr 27, 2026 | Piper Sandler | Reiterate | Neutral | $19 | $29 | |
| Apr 14, 2026 | Raymond James | Target | $32 | |||
| Jan 27, 2026 | UBS | Target | $25 | |||
| Oct 27, 2025 | Piper Sandler | Reiterate | Neutral | $27 | $19 | |
| Jun 10, 2025 | Janney Montgomery Scott | Upgrade | Neutral | Buy |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 22, 2026Q2 FY26 | $0.34 | $0.23 | −33.1% | $74.4M | $73.1M | −1.7% | +2.45% |
| Apr 22, 2026Q1 FY26 | $0.28 | $0.48 | +71.4% | $75.5M | $76.4M | +1.2% | −2.72% |
| Jan 21, 2026Q4 FY25 | −$0.12 | $0.25 | +308.3% | $73.6M | $80.5M | +9.4% | +16.02% |
| Oct 22, 2025Q3 FY25 | −$0.30 | −$2.22 | −640.0% | $69.9M | $70.7M | +1.1% | −12.54% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $162.1M | $157.9M | $152.6M | $161.7M | $144.6M | $137.3M | |
| Gross profit | $47.9M | −$65.7M | −$42.5M | $80.5M | $64.8M | $51.7M | |
| Operating income | $2.4M | −$109.2M | −$84.4M | $20.7M | $16.1M | $7.6M | |
| Net income | $1.7M | −$69.8M | −$67.5M | $7.6M | $14.7M | $6.9M | |
| Diluted EPS | $0.06 | −$2.30 | −$2.22 | $0.25 | $0.48 | $0.23 | |
| Gross margin | 29.6% | -41.6% | -27.9% | 49.8% | 44.8% | 37.6% | |
| Operating margin | 1.5% | -69.2% | -55.3% | 12.8% | 11.1% | 5.6% |
Fiscal years (4-quarter sums)FY21 $404.9M · FY22 $448.3M · FY23 $646.9M · FY24 $707.1M · FY25 $634.3M
Balance sheet, Jun 30, 2026Cash & short-term investments $13.4M · Total debt $211.7M · Total assets $9.66B · Shareholders' equity $1.15B
Dividends
Last cut to $0.01 from $0.165 in Nov 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 6, 2026 | Aug 6 | Aug 17 | $0.01 | |
| May 4, 2026 | May 4 | May 15 | $0.01 | |
| Feb 2, 2026 | Feb 2 | Feb 13 | $0.01 | |
| Nov 3, 2025 | Nov 3 | Nov 14 | $0.01 | cut from $0.165 |
| Aug 8, 2025 | Aug 8 | Aug 29 | $0.165 | |
| May 5, 2025 | May 5 | May 16 | $0.165 | |
| Feb 7, 2025 | Feb 7 | Feb 21 | $0.165 | |
| Oct 21, 2024 | Oct 21 | Oct 31 | $0.165 | cut from $0.45 |
Ownership
Shares outstanding 30.50M · Float 25.11M · 82.3% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 4.20M | 13.76% | 13F | Aug 7, 2026 |
| North Reef Capital Management LP | 1.71M | 5.62% | 13F | Aug 14, 2026 |
| T. Rowe Price Investment Management, Inc. | 1.69M | 5.50% | 13G | Aug 14, 2026 |
| State Street Corp | 1.56M | 5.13% | 13F | Aug 7, 2026 |
| Lehman Kenneth R | 1.54M | 5.10% | 13G | Jun 27, 2025 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Nov 19, 2025 | Louis P. Jr. Mathews | director | +1,500 | $16.84 |
| Nov 21, 2025 | Louis P. Jr. Mathews | director | +1,500 | $17.20 |
| Nov 14, 2025 | Eric R. Newell | officer: Senior EVP, CFO | +3,050 | $16.55 |
Peers
- Atlantic Union Bankshares
Dominant Maryland/DC community-bank rival after absorbing Sandy Spring Bank
- United Bankshares
Diversified multi-state regional bank with a top-10 D.C.-metro deposit franchise
- PNC Financial Services Group
National super-regional bank with deep D.C.-metro commercial banking scale
- Truist Financial
Super-regional bank; #3 D.C.-metro deposit share vs a community-bank niche
- M&T Bank
Buffalo-based super-regional bank with deep Maryland/D.C. commercial footprint
- Burke & Herbert Financial Services
173-year-old Alexandria, VA community bank, $7.9B assets post-Summit merger
- Capital Bancorp
Small-cap Rockville, MD bank with commercial banking, mortgage and fintech units
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Eagle Bancorp | $27.57 | −0.07% | $840.8M | — | 14.8 | 1.4 | −1.5% |
| Atlantic Union Bankshares | $40.66 | +0.02% | $5.77B | 12.1 | 10.5 | 2.6 | −3.5% |
| United Bankshares | $47.60 | +0.01% | $6.56B | 13.0 | 12.7 | 3.6 | +6.0% |
| PNC Financial Services Group | $256.30 | +5.78% | $96.65B | 13.3 | 11.9 | 2.7 | +21.4% |
| Truist Financial | $53.13 | +5.37% | $62.83B | 12.0 | 10.6 | 2.1 | +6.5% |
| M&T Bank | $237.29 | −0.08% | $34.39B | 12.5 | 11.9 | 2.8 | +5.7% |
| Burke & Herbert Financial Services | $71.71 | 0.00% | $1.44B | 11.5 | 8.5 | 3.3 | +24.6% |
| Capital Bancorp | $36.54 | −0.11% | $595.2M | 10.7 | 9.8 | 2.0 | +9.2% |
| Median | 12.1 | 10.6 | 2.7 | +6.5% |