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Eagle Bancorp (EGBN) Income Statement
Is this a real, growing, cash-generative business, or a story propped up by accounting?
Sources Company filings FilingsHow we compute thisNot investment advice
Business engineChoppy: revenue fell 3.1% in FY25, net margin −46.1%, and net interest income fell 6.5% in FY25 (~−4.5%/yr since FY21). The efficiency ratio improved to 67.1% from 89.0% in FY24 (lower is better).
The four lines that matter · FY21–FY25
Total net revenue ($M)▼3.1%
299.2
FY21→FY25CAGR −4.8%/yr
Net income ($M)▼193.5%
−138.1
one-off year: see footnoteCAGR —
Net interest income ($M)▼6.5%
269.9
FY21→FY25CAGR −4.5%/yr
Diluted EPS▼191.7%
−4.55
buyback-liftedCAGR —
What the receipts whisper · what a headline number hides
Share count
−5.0%
32.0mn → 30.4mn diluted shares since FY21. Part of EPS growth is the shrinking denominator. Watch net income too.
Eagle Bancorp Inc (MD) reports as a bank. Its statements start with the interest it earns on loans and pays on deposits, so there is no cost of goods sold, gross profit or operating income.
What the income statement says · FY21–FY25
Where the total net revenue goes · FY25 ($M)
FY25 ended in a net loss.
Ratio trend · direction beats level Net margin Efficiency ratio
Net margin 48.4% in FY21, -46.1% in FY25. Efficiency ratio 40.9% in FY21, 67.1% in FY25.
The receipt · income statement · FY21–FY25 USD millions except per-share & ratios · hover a line for its definition
USD millions except per-share & ratios
| Line item | TTM † | FY25 | FY24 | FY23 | FY22 | FY21 | YoY | CAGR 21→25 |
|---|---|---|---|---|---|---|---|---|
Interest income | 557.6 | 604.5 | 687.6 | 625.3 | 424.6 | 364.5 | ▼12.1% | +13.5% |
Interest expense | 295.1 | 334.6 | 398.9 | 334.8 | 91.7 | 40.0 | ▼16.1% | +70.1% |
Net interest income | 262.5 | 269.9 | 288.7 | 290.5 | 332.9 | 324.5 | ▼6.5% | −4.5% |
Fees and commissions | 16.4 | 17.4 | 17.0 | 18.5 | 17.6 | 21.3 | ▲2.7% | −4.9% |
Other non-interest income | 21.7 | 11.9 | 3.0 | 3.1 | 6.1 | 19.1 | — | — |
Non-interest income | 38.2 | 29.3 | 19.9 | 21.5 | 23.7 | 40.4 | ▲47.0% | −7.7% |
Total net revenue | 300.7 | 299.2 | 308.6 | 312.1 | 356.5 | 364.9 | ▼3.1% | −4.8% |
Provision for credit losses | 161.9 | 294.7 | 64.2 | 31.3 | 1.7 | −21.9 | ▲358.8% | +453.0% (22→25) |
Compensation and benefits | 90.6 | 87.9 | 87.8 | 86.1 | 84.1 | 88.4 | ▲0.1% | −0.2% |
Other non-interest expense | 113.9 | 112.8 | 186.9 | 67.2 | 81.0 | 60.8 | — | — |
Non-interest expense | 204.5 | 200.7 | 274.6 | 153.3 | 165.1 | 149.2 | ▼26.9% | +7.7% |
Pretax income | −65.7 | −196.2 | −30.2 | 127.5 | 189.7 | 237.7 | ▼548.8% | — |
Income tax | −17.4 | −58.1 | 16.8 | 27.0 | 48.8 | 61.0 | — | — |
Net income | −48.3 | −138.1 | −47.0 | 100.5 | 140.9 | 176.7 | ▼193.5% | — |
Diluted EPS | −1.60 | −4.55 | −1.56 | 3.31 | 4.39 | 5.52 | ▼191.7% | — |
Diluted shares (mn) | 30.48 | 30.36 | 30.20 | 29.93 | 30.95 | 31.95 | ▲0.5% | −1.3% |
Net margin | −16.1% | −46.1% | −15.2% | 32.2% | 39.5% | 48.4% | ▼30.9pp | −94.6pp |
Efficiency ratio | 68.0% | 67.1% | 89.0% | 49.1% | 46.3% | 40.9% | ▼21.9pp | +26.2pp |
† TTM = trailing four quarters through 2026-06-30.FY24 effective tax rate was −56% vs a 26% norm for this window, likely a one-time item; see the filing.
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These lines feed the tenet checklists: see which gates passTenets →Margins & returns continue as sector-ranked ratiosStatistics →
Annual report filed 2026-03-09 · view filings on SEC EDGAR ↗ · reported currency USD · as-filed figures may be later restated.
Statements normalized in our fundamentals DB · Not investment advice.
Statements normalized in our fundamentals DB · Not investment advice.
Common questions
What was Eagle Bancorp's revenue last fiscal year?
Eagle Bancorp reported revenue of $299.2M in fiscal 2025, down 3.1% from fiscal 2024.
What was Eagle Bancorp's net income?
Eagle Bancorp reported net income of −$138.1M in fiscal 2025, a net margin of −46.1%.
Annual and quarterly statements as filed, normalized into one comparable shape · Not investment advice.