Latest Ratios: P/E Ratio -6.6x · EV/EBITDA N/A · ROE -10.8%. (1998–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $841M | $648M | $785M | $916M | $1.4B | $1.9B | $1.3B | $1.7B | $1.7B | $2.0B | $2.1B |
| Enterprise Value | $257M | $64M | $777M | $1.7B | $2.2B | $602M | $199M | $2.0B | $1.6B | $2.4B | $2.0B |
| P/E Ratio → | -6.55 | — | — | 9.11 | 10.04 | 10.57 | 10.10 | 11.63 | 11.02 | 19.83 | 21.31 |
| P/S Ratio | 1.33 | 1.02 | 1.11 | 1.42 | 3.15 | 4.61 | 3.07 | 3.65 | 4.03 | 5.62 | 6.65 |
| P/B Ratio | 0.73 | 0.57 | 0.64 | 0.72 | 1.15 | 1.38 | 1.08 | 1.40 | 1.51 | 2.09 | 2.47 |
| P/FCF | 40.52 | 31.20 | 6.36 | 4.68 | 7.33 | 8.01 | 10.27 | 12.81 | 10.23 | 12.81 | 19.04 |
| P/OCF | 29.53 | 22.73 | 6.34 | 4.68 | 7.25 | 7.83 | 10.04 | 12.54 | 10.14 | 12.35 | 17.83 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.10 | 1.10 | 2.61 | 5.01 | 1.49 | 0.46 | 4.37 | 3.88 | 6.88 | 6.40 |
| EV / EBITDA | — | — | — | 12.91 | 11.63 | 2.47 | 1.10 | 9.80 | 7.65 | 12.62 | 12.12 |
| EV / EBIT | — | — | — | 13.26 | 11.84 | 2.53 | 1.13 | 10.11 | 7.91 | 13.09 | 12.59 |
| EV / FCF | — | 3.07 | 6.30 | 8.65 | 11.64 | 2.58 | 1.52 | 15.32 | 9.85 | 15.67 | 18.31 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 3.2% | 3.2% | 34.5% | 43.4% | 79.1% | 95.5% | 73.5% | 73.9% | 79.6% | 86.1% | 87.6% |
| Operating Margin | -26.9% | -26.9% | -4.3% | 19.7% | 42.3% | 58.7% | 40.4% | 43.2% | 49.1% | 52.6% | 50.8% |
| Net Profit Margin | -20.2% | -20.2% | -6.6% | 15.5% | 31.4% | 43.6% | 30.3% | 31.4% | 36.6% | 28.4% | 31.2% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -10.8% | -10.8% | -3.8% | 8.0% | 10.9% | 13.6% | 10.9% | 12.4% | 14.8% | 11.2% | 12.4% |
| ROA | -1.2% | -1.2% | -0.4% | 0.9% | 1.2% | 1.5% | 1.3% | 1.6% | 1.9% | 1.4% | 1.5% |
| ROIC | -8.2% | -8.2% | -1.0% | 3.7% | 6.9% | 9.8% | 7.4% | 9.6% | 10.5% | 10.3% | 11.9% |
| ROCE | -2.8% | -2.8% | -2.1% | 8.8% | 12.8% | 15.1% | 11.4% | 13.7% | 15.7% | 16.0% | 16.3% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.10 | 0.10 | 0.51 | 1.17 | 0.90 | 0.32 | 0.50 | 0.44 | 0.22 | 0.65 | 0.34 |
| Debt / EBITDA | — | — | — | 11.40 | 5.75 | 1.76 | 3.44 | 2.60 | 1.17 | 3.21 | 1.73 |
| Net Debt / Equity | — | -0.51 | -0.01 | 0.61 | 0.68 | -0.94 | -0.92 | 0.27 | -0.06 | 0.47 | -0.10 |
| Net Debt / EBITDA | — | — | — | 5.91 | 4.31 | -5.19 | -6.29 | 1.60 | -0.29 | 2.30 | -0.49 |
| Debt / FCF | — | -28.13 | -0.06 | 3.96 | 4.31 | -5.42 | -8.74 | 2.51 | -0.38 | 2.86 | -0.73 |
| Interest Coverage | -0.51 | -0.51 | -0.08 | 0.38 | 2.07 | 5.94 | 2.57 | 1.86 | 2.68 | 4.63 | 5.76 |
Net cash position: cash ($696M) exceeds total debt ($112M)
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 293.43 | 293.43 | 0.16 | 0.22 | 0.19 | 0.42 | 0.31 | 0.14 | 0.16 | 0.12 | 0.16 |
| Quick Ratio | 293.43 | 293.43 | 0.16 | 0.22 | 0.19 | 0.42 | 0.31 | 0.14 | 0.16 | 0.12 | 0.16 |
| Cash Ratio | 147.14 | 147.14 | 0.07 | 0.07 | 0.03 | 0.16 | 0.19 | 0.03 | 0.04 | 0.03 | 0.06 |
| Asset Turnover | — | 0.06 | 0.06 | 0.06 | 0.04 | 0.03 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.8% | 2.4% | 5.8% | 6.0% | 3.9% | 2.4% | 2.1% | 1.3% | — | — | — |
| Payout Ratio | — | — | — | 54.7% | 39.6% | 25.3% | 21.4% | 15.6% | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | 11.0% | 10.0% | 9.5% | 9.9% | 8.6% | 9.1% | 5.0% | 4.7% |
| FCF Yield | 2.5% | 3.2% | 15.7% | 21.3% | 13.6% | 12.5% | 9.7% | 7.8% | 9.8% | 7.8% | 5.3% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 5.2% | 2.3% | 0.0% | 4.6% | 3.3% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 1.8% | 2.4% | 5.8% | 11.2% | 6.3% | 2.4% | 6.7% | 4.6% | 0.0% | 0.0% | 0.0% |
| Shares Outstanding | — | $30M | $30M | $30M | $32M | $32M | $32M | $34M | $34M | $34M | $34M |
CRE asset quality deterioration
According to recent market data, EGBN trades at a P/B ratio of 0.77, which suggests that investors are pricing the bank at a significant discount to its tangible book value due to persistent concerns regarding credit quality and the sustainability of its core earnings power.
The current valuation multiple implies that the market anticipates further erosion of book value through potential credit write-downs or continued operational losses. This discount relative to regional peers indicates that the franchise is currently viewed as a commodity balance sheet rather than a premium growth vehicle.
Based on reported financial figures, the bank's ROE has fluctuated between -6.9% and 1.8% over the last ten quarters, indicating that the institution's profitability is currently strained by high credit provisions and an inability to leverage its asset base effectively in the DMV market.
The decomposition of profitability shows that the narrow NIM of 0.6% is insufficient to cover the bank's elevated non-interest expenses. This suggests that the bank's current business model is struggling to generate a positive return on equity without significant improvements in operating efficiency or a reduction in credit-related costs.
As reported in financial statements, the bank's NIM has remained stagnant at 0.6% for several consecutive quarters, while the efficiency ratio has spiked as high as 83.8%, highlighting a severe lack of operating leverage and persistent pressure on the bank's core interest-earning capacity.
The inability to expand margins in a competitive deposit environment suggests that the bank's funding costs are structurally misaligned with its asset yields. Investors should monitor whether management can implement cost-control measures to bring the efficiency ratio back to historical norms, as current levels are unsustainable.
Based on the reported figures, the equity-to-assets ratio has remained relatively stable at approximately 0.11, yet the absolute equity base has faced downward pressure, falling from $1.3 billion in 2023Q4 to $1.1 billion by 2026Q1, reflecting the impact of sustained net losses on capital.
While the capital ratios appear adequate on a surface level, the erosion of the absolute equity base warrants further investigation into the bank's long-term capacity for capital return. The lack of a meaningful dividend yield suggests that capital preservation has become the primary focus for management.
As indicated by the bank's volatile earnings profile, the P/E ratio is a fundamentally flawed metric for EGBN, as it is heavily distorted by lumpy, non-recurring provisions for credit losses that obscure the underlying operational health of the institution.
Analysts should prioritize P/TBV over P/E to better assess the bank's valuation, as the latter is rendered meaningless by negative or highly erratic earnings. Relying on P/E in this context may lead to a misinterpretation of the bank's recovery potential, as it fails to account for the impact of CECL-driven provisioning on reported net income.
Includes 30+ ratios · 28 years · Updated daily
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Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying EGBN stock.
Eagle Bancorp, Inc.'s current P/E ratio is -6.6x. The historical average is 15.4x.
Eagle Bancorp, Inc.'s return on equity (ROE) is -10.8%. The historical average is 8.1%.
Based on historical data, Eagle Bancorp, Inc. is trading at a P/E of -6.6x. Compare with industry peers and growth rates for a complete picture.
Eagle Bancorp, Inc.'s current dividend yield is 1.84%.
Eagle Bancorp, Inc. has 3.2% gross margin and -26.9% operating margin.