B

Eagle Bancorp, Inc. — Earnings Quality Grade B

EGBN · Financial Services

Generally healthy

Revenue
$299M
2025
Net Income
-$138M
2025
Gross Margin
Free Cash Flow
$21M
01

Screening Summary

8
Passed
2
Watch
0
Failed
M-Score

Management Signals

View all →
Watch2026-03-18
Susan Riel · DirectorDeparture
2 board departures
SEC
Routine2026-03-18
Susan Riel · DirectorAppointment
Planned succession
SEC
Watch2025-11-03
Susan G. Riel · DirectorResignation
2 board departures
SEC
Watch2025-11-03
Susan G. Riel · PresidentResignation
CEO resignation
SEC
Routine2025-11-03
Susan G. Riel · Chief Financial OfficerRetirement
SEC

Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available

02

Financial Trends

Revenue & Net Income ($B)

Margins (%)

03

18-Point Screening

01

Revenue Quality

A1DSO Change

Insufficient data

A2AR vs Revenue Growth

Insufficient data

A3Revenue vs CFFO

Revenue -3.1%, CFFO -77.0%. Cash follows revenue

02

Expense Quality

B1Inventory vs COGS

No material inventory

!
B2CapEx vs Revenue

CapEx growth 2272.1% is >2x revenue growth -3.1%

B3SG&A Ratio

Insufficient data

B4Gross Margin

Insufficient data

03

Cash Flow Quality

!
C1CFFO vs Net Income

CFFO/NI = -0.21. Below 1.0

C2Free Cash Flow

FCF $0.0B, FCF/NI = -0.15

C3Accruals Ratio

Accruals ratio = -1.6%. Low accruals

C4Cash vs Debt

Cash $0.7B covers debt $0.1B

04

Balance Sheet Health

D1Goodwill + Intangibles

No goodwill. Clean balance sheet

D2Leverage

Insufficient data

D3Soft Asset Growth

Insufficient data

D4Asset Impairment

No write-off data

05

Acquisition Risk

E1Serial Acquirer FCF

FCF after acquisitions positive

E2Goodwill Surge

Goodwill+Intangibles change -100% YoY. Normal

06

Manipulation Score

F1Beneish M-Score

Insufficient data

Altman Z-Score — Not Applicable

Eagle Bancorp, Inc. is a financial company. Z-Score is designed for non-financial companies.

Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25