Should I buy, hold, or sell EGBN stock right now?

Eagle Bancorp Inc. (EGBN) currently earns a Roarable Rating of D+ (Sell — SELL) with 54/100 RQD Confidence. Stretched risk/reward at current multiples (-12% return on capital) under elevated 10-year interest-rate pressure.

What is EGBN's 12-month price target and RQD AI Jury consensus?

EGBN's 12-month base price target is $33.55 (range $26.17 to $39.59), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Stock Ratings / Financials / EGBN

EQBK (56) SBSI (64) MCBS (62) MBWM (56) ⌘ Pro Terminal →

Eagle Bancorp Inc. (EGBN) — RQD Stock Rating Cockpit

$34.17 +2.67% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $34.27

Eagle Bancorp Inc. (EGBN) carries a Roarable Rating of D+ (Sell) with 54/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $1.01B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is EGBN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Eagle Bancorp Inc. (NASDAQ: EGBN) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $34.17 (+2.67% 1D, market cap $1.01B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 16/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 7/20. Across 1096 tracked Financials issuers, EGBN ranks #551 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does EGBN compare to EQBK and SBSI in the Financials sector?

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Within the Financials sector (Major Banks), EGBN carries a Roarable D+ (54/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -12.2%. By comparison, EQBK (Equity Bancshares Inc. (Class A)) holds a D+ grade (56/100 RQD, P/E 44.5x, ROIC 3.1%, cap $1.00B) and SBSI (Southside Bancshares Inc.) posts a C grade (64/100 RQD, P/E 14.3x, ROIC 8.2%, cap $1.00B). Among the 5-stock peer group, MBWM leads on earnings multiple (11.8x) while MCBS leads on capital efficiency (12.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for EGBN?

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Per EGBN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001050441), Eagle Bancorp Inc. generated $4.41B in revenue (-5.7% YoY), -$138.1M in net income, and $20.8M in free cash flow against $10.50B in total assets and $0 in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $34.27 (+0.29%)🧬 Disciplined Float (+0.16% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 0.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 54/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.7% avg 90D alpha vs SPY • 51.0% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

2-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-1.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for EGBN)Realized 20D OHLCV Swing Band: ±6.1%

Deterministic 5-Pillar Attribution (54/100 Composite)

🔍 WHY EGBN SCORES 54/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+16/20 pts (30% of score)

20D Institutional Volume Accumulation (±6.1% realized swing band)

▲ #2 Bullish Driver: Macro Regime Fit+11/20 pts (20% of score)

FRED Regime × Technicals: 99% of 52W Range • RSI-14 at 72.3 (OVERBOUGHT (>70))

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution7/20 pts (-13 pt drag)

Disciplined Float (+0.16% YoY Shares) & executive Form 4 sales trim 13 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade D$28.19+1.3% Next Q

Q2 (-2Q)

Grade D$28.56+16.1% Next Q

Q3 (-1Q)

Grade C-$33.15+3.1% Next Q

Current

Grade D+$34.17-0.7% Hist 90D α

Trajectory: D (46) → D+ (54)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a EGBN Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While EGBN currently carries a cautious 54/100 (D+) rating due to Insider Conviction & Share Dilution (7/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Big institutional funds and options desks are actively positioning on the bullish side.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($28.95) and Max Pain ($35.88) forces dealer call-delta covering toward $39.59.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (+0.16% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $EGBN• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “EGBN Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 54%NO 46%Trade / Inspect Odds →

RSI-14 MOMENTUMOVERBOUGHT (>70)

72.330 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

3 / 99-Pt Accounting

52-WEEK LASER RANGE99% OF RANGE

L: $15$34.17H: $34

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 10 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: D+RQD 23 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: D+RQD 21 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bearish Warning on EGBN

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (50)

-12.2% ROIC with 42.0% gross margin and 2.03% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BEARISH (50)

Altman-Z 4.20 and Piotroski 3/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (57)

23/40 institutional & smart-money positioning score with 11/20 macro alignment.

Bull Case: Why Buyers Like EGBN

✓Big institutional funds and options desks are actively positioning on the bullish side.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring EGBN)

✓Walkthrough of EGBN's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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EGBN // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +32.96%▲ RESISTANCE BREAKOUT

2026-11-03O $33.47H $34.17L $33.28C $34.17VOL 374.6K

RES: $31.32SUP: $27.74SMA50: $28.95SMA200: $27.22

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

EGBN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 EGBN Butterfly Map → + Track EGBN →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on EGBN today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for EGBN. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for EGBN today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (EGBN)

Financials Rank #551 of 1096 ⚔️ EQBK vs EGBN Full Matrix →

1. Head-to-Head Financials Peer Comparison (EGBN vs. EQBK, SBSI, MCBS, MBWM)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Eagle Bancorp Inc. (EGBN) ranks #551 by composite RQD confidence (54/100, grade D+) and #548 by equity capitalization ($1.01B). Within this direct 5-issuer industry benchmark cohort, MBWM leads on earnings valuation at 11.8x trailing P/E, while MCBS leads on capital efficiency and profitability with 12.6% ROIC and — gross margin. SBSI currently holds the highest overall quantitative score in the immediate peer group at 64/100 (C) compared with EGBN at 54/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
EGBN ACTIVE Eagle Bancorp Inc.	D+	54/100	—	—	-12.2%	+2.67%	$1.01B	Benchmark Subject
EQBK Equity Bancshares Inc. (Class A)	D+	56/100	44.5x	—	3.1%	+2.61%	$1.00B	/eqbk-vs-egbn →
SBSI Southside Bancshares Inc.	C	64/100	14.3x	—	8.2%	+5.29%	$1.00B	/sbsi-vs-egbn →
MCBS MetroCity Bankshares Inc.	C	62/100	15.1x	—	12.6%	+2.34%	$1.03B	/mcbs-vs-egbn →
MBWM Mercantile Bank Corporation	D+	56/100	11.8x	—	12.2%	+2.32%	$1.03B	/mbwm-vs-egbn →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001050441

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Eagle Bancorp Inc. (EGBN) reported GAAP revenue of $4.41B (-5.7% vs. FY2024 revenue of $4.67B , and +493.1% cumulative change since FY2023) , GAAP net income of -$138.1M, operating cash flow of $28.5M, and free cash flow of $20.8M (-83.2% YoY). On the balance sheet, EGBN closed FY2025 with $10.50B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$4.41B	-$138.1M	$28.5M	$20.8M	$10.50B	—
FY2024 (FY)	2024-12-31	$4.67B	-$47.0M	$123.8M	$123.4M	$11.13B	—
FY2023 (FY)	2023-12-31	$743.4M	$100.5M	$195.6M	$195.6M	—	—

3. EGBN Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is EGBN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does EGBN compare to EQBK and SBSI in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for EGBN?

Where is EGBN trading relative to its 50-day, 200-day, and 52-week technical levels?

EGBN last traded at $34.17 (+2.67% on volume of 376,137 shares), positioning the stock +18.03% above its 50-day simple moving average ($28.95) and +25.53% above its 200-day simple moving average ($27.22). Across its 52-week range of $15.03 to $34.09, EGBN sits at the 100.0% percentile with a 14-day RSI of 72.3 (OVERBOUGHT (>70)) and an implied next-earnings move of ±6.1% ($32.09 to $36.25).

Direct Sub-Reports: EGBN RQD Cockpit EGBN 12M Forecast EGBN Earnings & Move EGBN Dividends & DRIP EGBN Insiders & 13F EGBN Whale Options EGBN Profit Sankey EGBN News & Why

ROARABLE RATING BRIEF • RQD 54/100 (D+) ✓ SEC XBRL & RQD VERIFIED

EGBN — Eagle Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Eagle Bancorp Inc. (EGBN) earns a live Roarable RQD composite score of 54/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $34.17 (+2.67% 1D, market capitalization $1.01B).

Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of -12.2%, gross margin of —, operating margin of —, and free cash flow yield of 2.03%.
Whale 13F & Options Flow (16/20) + Insider Conviction (10/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (11/20) + Forensic Balance Sheet (7/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 3/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Eagle Bancorp Inc. (EGBN) is a NASDAQ-listed issuer in the Financials sector, Major Banks industry. It is a market-capitalization of $1.0B company.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Eagle Bancorp Inc. (EGBN) reported $4.41B in annual revenue (up from $4.67B in FY2024, -5.7% YoY) and -$138.1M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($743.4M revenue, $100.5M net income) through FY2025, EGBN scaled operating cash flow to $28.5M and free cash flow to $20.8M, backed by $10.50B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (D+ • RQD 54/100): Big institutional funds and options desks are actively positioning on the bullish side. Free cash flow yield of 2.03% and institutional whale pillar of 16/20. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 16/20, sustained execution supports upside toward the upper end of the $15.03 – $34.09 52-week range.
🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are therefore — Investors should note that the absence of mapped links means this brief cannot assess ripple effects across suppliers, customers, or peer banks.

Key Question #1: Can EGBN sustain or expand its — operating margin and -12.2% ROIC against Major Banks peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $4.41B and free cash flow of $20.8M, how will capital allocation balance growth reinvestment against $0 in total debt?
Key Question #3: How sensitive is EGBN's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

EGBN Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Eagle Bancorp Inc. (EGBN) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to EGBN Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 20h ago

Why Did Eagle Bancorp (EGBN) Shares Climb After Its Latest Update?

Yahoo Finance report covering Eagle Bancorp Inc. (EGBN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 23h ago

Can Eagle Bancorp (EGBN) Support Its Price After A 94% Rally?

Yahoo Finance report covering Eagle Bancorp Inc. (EGBN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Seeking Alpha • 1d ago

Eagle Bancorp's Turnaround Is Panning Out (Rating Upgrade)

Seeking Alpha report covering Eagle Bancorp Inc. (EGBN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE GuruFocus • 1d ago

Eagle Bancorp (EGBN) Posts Strong Q3 Results Amid Valuation Conc

GuruFocus report covering Eagle Bancorp Inc. (EGBN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Gotrade • 1d ago

Eagle Bancorp Inc (EGBN) Stock Price: Oct 29 Close $33.47

Gotrade report covering Eagle Bancorp Inc. (EGBN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

Eagle Bancorp (EGBN) Stock Rallies As Q3 Earnings Meet Valuation Doubts

Simply Wall St report covering Eagle Bancorp Inc. (EGBN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

Nonperforming assets at EagleBank rose $52.9 million to $166 million

Stock Titan report covering Eagle Bancorp Inc. (EGBN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Benzinga • 1d ago

Eagle Bancorp Q3 2026 Earnings Call Transcript

Benzinga report covering Eagle Bancorp Inc. (EGBN) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

EGBN Bull vs. Bear Conversation Board — What's Your Call at $34.17?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON EGBN 🐻 33% BEARISH CONVICTION

AL AlphaFlow_Cap RQD DEBATE OPENER • Verified $100K Arena Trader 🐂 BULLISH 🎯 Target: $42.93 (+29.0%)

📌 Pinned Debate

Institutional flow scores 16 of 20 in the Roarable RQD rating, the strongest pillar, indicating accumulation by large holders.

The street is overcomplicating Eagle Bancorp Inc. (EGBN). Institutional flow scores 16 of 20 in the Roarable RQD rating, the strongest pillar, indicating accumulation by large holders.. With an RQD score of 54/100 (D+) and Forensic Balance Sheet at 10/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $35.94.

ArenaChamp_24 🐂 BULL

@AlphaFlow_Cap Agree on the RQD 54/100 quality, though with 1.0 beta I'm scaling in with half-size at $33.28 and keeping dry powder in case we test $30.95.

RI RiskArb_Desk RQD DEBATE OPENER • Hedged Event Driven 🐻 BEARISH 🎯 Target: $27.62 (-17.0%)

Spot @ $33.28

ROIC of -12.2% and net income falling from $100.5M in FY 2023 to -$138.1M in FY 2025 indicate weakening earnings power.

I respect the product at Eagle Bancorp Inc., but the stock at $33.28 is a different story. ROIC of -12.2% and net income falling from $100.5M in FY 2023 to -$138.1M in FY 2025 indicate weakening earnings power.. FCF yield is 2.03% and RQD sits at 54/100 (D+) — why pay up here when you can wait for next quarter's numbers?