Is EGBN a high-quality business?

AlphaMadera's AlphaQuality grade scores Eagle Bancorp, Inc. on six pillars — profitability, capital efficiency, balance-sheet strength, growth durability, cash generation, and shareholder yield. The composite letter grade reflects how EGBN compares to a Buffett-style quality bar.

What is Eagle Bancorp, Inc.'s AlphaQuality grade?

AlphaQuality assigns a letter grade (A through F) to EGBN based on a six-pillar quantitative model. The live page shows the composite grade plus each pillar's individual score with the underlying metrics.

What makes EGBN a quality stock?

AlphaQuality looks at return on capital, free-cash-flow margins, debt-to-equity, revenue stability, dividend and buyback policy, and operating-margin trend. Stocks scoring well across all six pillars earn higher grades — the methodology favors compounders over cyclicals.

EGBN - Eagle Bancorp, Inc.

Price: -- -- | CONSENSUS: Hold DETAILS | PRICE TARGET: $30.50 DETAILS

AlphaQuality

Quantitative six-pillar business-quality grade

Banks, Insurers & Asset Managers

AlphaQuality — archetype-weighted quantitative grade

F 30.0 / 100 pillar composite

Composite Grade

Composite of six pillars weighted for banks, insurers & asset managers businesses. Purely quantitative — the six pillars score only reported financials, no analyst input.

⚠ 2 of the last 5 fiscal years showed negative net income — AlphaQuality will not grade above F for persistent unprofitability in a banks, insurers & asset managers business.

Grade overrides the 30.0 pillar composite because hard gates always win. Use the pillar breakdown below to see where the underlying numbers sit.

Profitability

Weight: 25%

D- 32.1

Scored using efficiency ratio — bank-archetype substitution.

Efficiency Ratio (FY2025) 63.7% 49/100
Efficiency Ratio Trend +3.20 pp/yr 0/100

Capital Efficiency

Weight: 15%

C- 46.7

5yr Avg ROE 3.5% 27/100
5yr Share-Count CAGR -1.3% 83/100

Growth Quality

Weight: 15%

C- 45.3

Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.

5yr Revenue CAGR 7.8% 74/100
Efficiency Ratio Trend (growth quality check) +3.20 pp/yr 0/100
Revenue-Growth Years (5) 3/5 60/100

Cash Generation

Weight: 15%

F 0.0

Scored using efficiency-ratio stability — bank-archetype substitution.

Efficiency Ratio Stability (σ) 0.16 0/100

Balance Sheet

Weight: 20%

A- 82.6

Scored using equity-to-assets — bank-archetype substitution.

Equity / Assets 10.9% 83/100

Stability

Weight: 10%

C 53.2

EPS Volatility (σ/μ) 0.26 63/100
Negative-Revenue Years (5) 2/5 60/100
Piotroski F-Score 3 33/100

Not enough curated-guru data to call a flow.

Cooperman sold -100%
Wood sold -100%

How this is calculated

AlphaQuality grades six pillars from 0-100 and weights each by archetype:

Profitability (25%) — Efficiency Ratio (FY2025), Efficiency Ratio Trend
Capital Efficiency (15%) — 5yr Avg ROE, 5yr Share-Count CAGR
Growth Quality (15%) — 5yr Revenue CAGR, Efficiency Ratio Trend (growth quality check), Revenue-Growth Years (5)
Cash Generation (15%) — Efficiency Ratio Stability (σ)
Balance Sheet (20%) — Equity / Assets
Stability (10%) — EPS Volatility (σ/μ), Negative-Revenue Years (5), Piotroski F-Score

The six pillars read only reported financial-statement fields — no analyst targets or consensus ratings. The archetype that picks which pillar formulas apply is not fully price-free, though: it can route a company to the distressed/ungradable archetype based on price vs. its 52-week high, and beta affects one classification check. A minimum of 5 fiscal years of audited statements is required. Insurers and banks are graded on their own methodology — insurers on loss ratio, its trend and stability, and premiums-to-surplus; banks on the efficiency ratio, its trend and stability, and equity-to-assets — rather than on industrial margin/ROIC signals. Distressed, highly leveraged infrastructure, asset-manager, and other financial businesses are declared ungradable rather than forced into a numeric score.