EAGLE BANCORP INC financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data EAGLE BANCORP INC files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Selling and marketing	3.5	4.1	4.57	4.83	4.28	4.17	4.72	3.36	5.45	5.02
Interest expense	27.6	40.1	76.3	106	68.4	40	91.7	335
Pre-tax income	159	186	204	197	176	238	190	128	-30.2	-196
Income tax	61.4	85.5	51.9	53.8	43.9	61	48.8	27	16.8	-58.1
Net income	97.7	100	152	143	132	177	141	101	-47	-138
EPS, basic	2.91	2.94	4.44	4.18	4.09	5.53	4.40	3.31	-1.56	-4.55
EPS, diluted	2.86	2.92	4.42	4.18	4.09	5.52	4.39	3.31	-1.56	-4.55
Shares, basic (weighted)	33.6	34.1	34.3	34.2	32.3	31.9	32	30.3	30.2	30.3
Shares, diluted (weighted)	34.2	34.3	34.4	34.2	32.4	32	32.1	30.4	30.2	30.3
Dividend per share				0.66	0.88	1.40	1.75	1.80	1.07	0.51

Balance sheet

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	368	190	322	242	1,789	1,714	312	723	633	696
Property, plant and equipment	20.7	21	16.9	14.6	13.6	14.6	13.5	10.2	7.69	12.8
Lease right-of-use assets				27.4	25.2	30.6	24.5	19.1	18.5	28.5
Goodwill	104	104	104	104	104	104	104	104	0
Intangible assets					0.95	1.63	0.07	0.76
Total assets	6,890	7,479	8,389	8,989	11,118	11,847	11,151	11,665	11,130	10,497
Short-term debt	402	402	30.4	281	327	324	1,010	1,370	490	0
Total liabilities	6,047	6,529	7,280	7,798	9,877	10,497	9,923	10,390	9,903	9,366
Total debt	217	217	217	218	268	69.7	69.8	0	76.1	76.4
Paid-in capital	514	520	528	482	427	435	412	375	385	382
Retained earnings	331	432	584	705	798	930	1,015	1,061	982	838
Other comprehensive income	-2.38	-1.75	-4.28	2.96	15.5	-14.2	-200	-162	-141	-89.2
Shareholders' equity	843	950	1,109	1,191	1,241	1,351	1,228	1,274	1,226	1,131
Total equity	843	950	1,109	1,191	1,241	1,351	1,228	1,274	1,226	1,131
Total liabilities and equity	6,890	7,479	8,389	8,989	11,118	11,847	11,151	11,665	11,130	10,497
Shares outstanding	34	34.2	34.4	33.2	31.8	32	31.3	29.9	30.2	30.4

Cash flow statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	97.7	100	152	143	132	177	141	101	-47	-138
Depreciation and amortization	6.23	6.88	6.97	6.17	4.7	5.87	3.32	3.48	3.2	2.95
Stock-based compensation	6.91	5.57	6.49	7.68	5.32	7.81	9.9	10	9.56	7.05
Deferred income tax	-5.63	19	-3.5	-0.06	-8.33	5.77	6.56	-3.38	2.6	-68.4
Cash from operations	117	161	165	133	133	238	195	196	124	28.5
Capital expenditures	-7.43	-5.76	-1.48	-2.84	-2.95	-5.29	-2.11	-0.07	-0.33	-7.73
Purchases of investments		-203	-332	-375	-740	-2,029	-425	0	0	-28.2
Sales and maturities of investments	94.3	73.1	36.3	105	124	201	6.23	8.3	141	256
Cash from investing	-751	-810	-785	-637	-558	-858	-927	-97.7	311	570
Debt issued				0	50	0	0	0	75.8
Debt repaid				0	0	-200	0
Stock issued	0.96	0.37	0.78	0.33	0.06	0	0.1	0	0	0
Share buybacks			0	-54.9	-61.4	-0.68	-33.1	-48	0	0
Dividends paid			0	-22.3	-28.3	-44.7	-55.8	-55	-45.6	-15.3
Cash from financing	704	472	751	425	1,972	545	-670	313	-524	-537
Net change in cash	69.8	-178	131	-79.9	1,547	-74.8	-1,402	411	-89.2	62.2
Free cash flow	109	155	164	130	130	233	193	196	123	20.8
Interest paid	24	39.8	73.8	106	70.2	31	90.6	377	438	342
Income taxes paid	66.2	69.2	55.2	54.7	37.4	54.4	23.5	21.5	8.21	1.46

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $28.54 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Return on equity (ROE)	-4.2%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	-0.5%	Net income / average total assets.

Growth

Metric	Value	How it is calculated
Operating cash flow growth, 1y	-77.0%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	-47.3%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y	-26.5%	Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Free cash flow growth, 1y	-83.2%	Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y	-52.4%	Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow CAGR, 5y	-30.7%	Compound annual growth of free cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Dividend per share growth, 1y	-52.3%	Dividend per share vs the same period a year earlier. Only from a positive base.
Dividend per share CAGR, 3y	-33.7%	Compound annual growth of dividend per share over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Dividend per share CAGR, 5y	-10.3%	Compound annual growth of dividend per share over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Book value growth, 1y	-7.7%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	-2.7%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	-1.8%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	-5.7%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	-2.0%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	-1.1%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	0.6%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	-1.8%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	-1.3%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Debt / equity	0.07x	Total debt / shareholders' equity. Not shown when equity is negative.
Debt / assets	0.8%	Total debt / total assets.
Liabilities / assets	88.1%	Total liabilities / total assets.
Net debt	-$549.2M	Total debt - cash - short-term investments. Negative means more cash than debt.
Tangible book value	$1.15B	Shareholders' equity - goodwill - intangible assets.

Efficiency

Metric	Value	How it is calculated
Capex / operating cash flow	13.6%	Capital expenditures / cash from operations, when that is positive.

Per share

Metric	Value	How it is calculated
EPS, diluted	-$1.58	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share	$1.73	Free cash flow / diluted weighted shares.
Operating cash flow per share	$2.00	Cash from operations / diluted weighted shares.
Book value per share	$37.73	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	$37.73	Tangible book value / shares outstanding.
Cash per share	$20.52	(Cash + short-term investments) / shares outstanding.
Dividends / FCF	11.2%	Dividends paid / free cash flow, when free cash flow is positive.

Valuation

Metric	Value	How it is calculated
Market cap	$870.0M	Share price x shares outstanding.
Enterprise value	$320.9M	Market cap + total debt - cash - short-term investments.
P/B	0.76x	Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book	0.76x	Market cap / tangible book value, when positive.
P/FCF	16.5x	Market cap / free cash flow. Only when free cash flow is positive.
P/OCF	14.2x	Market cap / cash from operations, when positive.
EV/FCF	6.07x	Enterprise value / free cash flow, when both are positive.
FCF yield	6.1%	Free cash flow / market cap.
Earnings yield	-5.6%	Net income / market cap (the inverse of P/E).
Dividend yield	0.7%	Dividends paid over the period / market cap.
Shareholder yield	0.7%	(Dividends paid + share buybacks) / market cap.

Was EAGLE BANCORP INC profitable in fiscal 2025?

No. It reported a net loss of $138.1M.

How much free cash flow did EAGLE BANCORP INC generate in fiscal 2025?

Cash from operations of $28.5M minus capital expenditures of $7.7M left free cash flow of $20.8M.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

Open interactive statements, quarterly figures and charts

Back to EAGLE BANCORP INC