EGBN
Eagle Bancorp, Inc.21.38
+0.18+0.85%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Disposition timing, credit caution.
Q&A drilled into held-for-sale loans, confirming 2/3 of $90.7M slated for Q1 disposition amid diverse buyer interest, though Eric Newell cautioned it's 'not done until it's done.' Management expects criticized/classified loans to decline further but punted on 2026 provision specifics, signaling levels above 2024's $10M-ish but well below 2025's peaks; ACL coverage should ease. Multifamily stabilized with sub-6% cap rates and positive migrations, while C&I growth emerged sustainable at moderated pace via $15M-$30M deals. One quarter isn't a trend. Brokered CDs at $1.56B (4%) targeted near zero. Watch credit trends and deposit shifts for PPNR traction.
Key Stats
Market Cap
649.34MP/E (TTM)
-Basic EPS (TTM)
-3.96Dividend Yield
0.02%Recent Filings
8-K
Continuity awards retain execs
Eagle Bancorp's Compensation Committee granted 2026 Continuity Awards on March 16 to senior executives Eric Newell, Evelyn Lee, and Ryan Riel amid CEO Susan Riel's retirement search. Cash payments—$425,000 to Newell and Riel, $325,000 to Lee—hit March 27, repayable if they exit early before June 30, 2027; each got 4,086 RSUs (~$100,000) vesting March 16, 2029. Retention locks in leadership. Transition stays steady.
10-K
FY2025 results
Eagle Bancorp posted a $138M net loss for FY2025 ended December 31, 2025, driven by $248M net charge-offs (3.22% of average loans, derived) and $293M loan provision amid CRE office woes, yet pre-provision net revenue jumped to $98.5M from $34.0M as 2024's $104M goodwill impairment vanished. Loans shrank 8% to $7.3B with $654M CRE runoff, Q4 nonperformers plunging to $109M (1.04% assets) from year-end peaks via accelerated dispositions and HFS transfers yielding $177M charge-offs. Margins held at 2.37% despite Fed cuts; deposits edged up to $9.1B. Q4 dividend sliced to $0.01/share for capital preservation. CRE concentrations persist at 337% risk-based capital, threatening quarterly momentum.
8-K
Execs get options, RSUs, PSUs
Eagle Bancorp's Compensation Committee granted long-term incentives on February 19, 2026, to four named executives under its 2025 Equity Incentive Plan: options at $26.45 strike, RSUs vesting over three years, and PSUs tied to 2026-2028 TSR vs KBW Regional Bank Index and EPS growth. Vesting demands continued service, yet accelerates on death, disability, or change in control. Executives face strict non-compete covenants.
8-K
Profitable Q4 amid credit cleanup
Eagle Bancorp swung to Q4 2025 net income of $7.6 million ($0.25/share) from Q3's $67.5 million loss, fueled by a $97.7 million provision drop to $15.5 million and $12.3 million charge-offs. Nonperforming assets fell to $108.9 million (1.04% of assets); C&I loans surged 11%. Credit quality improves. Plans Q1 HFS dispositions.
10-Q
Q3 FY2025 results
Eagle Bancorp posted a Q3 net loss of $67.5M on $68.2M net interest income, down from $71.8M y/y, while net interest margin edged up to 2.43% from 2.37% (derived). Massive $113.2M provision swamped operations after $140.8M net charge-offs, mainly office CRE loans reclassified to $136.5M held-for-sale. Loans shrank 8% q/q to $7.3B, deposits climbed 4% to $9.5B, cash swelled to $851M with $3.2B undrawn FHLB/FRB lines. ACL hit 2.14% of loans. CRE office weighs heavy.
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