NASDAQ$EGBN

Eagle Bancrp Inc · Q1 2024 earnings

Q1 2024 earnings · · Investor relations

Briefing

Announced results of operations for first quarter 2024.

Eagle Bancorp, Inc. reported a net loss of $338 thousand for the first quarter 2024, compared to net income of $20.2 million for the fourth quarter 2023. Pre-provision net revenue was $38.3 million for the first quarter 2024, compared to $38.8 million for the prior quarter. The $20.6 million decrease from earnings in the prior quarter was attributable to a $20.7 million increase in provision for credit losses.

  • Net loss was $338 thousand for the first quarter 2024, compared to net income of $20.2 million in the prior quarter, with PPNR of $38.3 million for the first quarter 2024, compared to $38.8 million for the prior quarter.
  • The ACL as a percentage of total loans was 1.25% at quarter-end; up from 1.08% at the prior quarter-end. Performing office coverage was 3.67% at quarter-end; as compared to 1.91% at the prior quarter-end.
  • The net interest margin remained steady at 2.43% for the first quarter 2024, compared to 2.45% for the prior quarter.
  • Loans at quarter-end were $8.0 billion, up $14.0 million, or 0.2%, from the prior quarter-end. Deposits at quarter-end were $8.5 billion, down $306.6 million, or 3.5%, from the prior quarter-end.

Headline financials

Total Revenue

$78.3M

Previous: $78.7M-0.6%
EPS

-$0.01

Previous: $0.78-101.3%
Net Interest Margin

2.4%

Previous: 2.8%-13.4%
Return on Avg Assets

-2.7%

No prior period
Return on Avg Tang Common Eq

-29.0%

No prior period
Efficiency Ratio

51.1%

Previous: 51.5%-0.9%
Tangible Common Eq / Tang Assets

10.3%

No prior period
ACL / Loans HFI

1.3%

No prior period
NPAs / Total Assets

0.9%

No prior period
Net Charge-Offs / Avg Loans

0.1%

No prior period
CET1 Ratio

13.9%

No prior period
TCE / TA

10.6%

No prior period
ACL / Performing Office Loans

110.1%

No prior period
Free Cash Flow

-$338K

Previous: $24.2M-101.4%
Net Income

-$338K

Previous: $24.2M-101.4%
Operating Income

-$67.9M

Previous: -$5.68M-1094.2%
Gross Profit

$43.1M

Previous: $72.6M-40.6%
Cash & Equivalents

$707M

Previous: $169M+318.0%
Total Assets

$11.6B

Previous: $11.1B+4.7%
Stock-Based Comp

$2.37M

Previous: $2.95M-19.7%

Revenue & EPS history

Eagle Bancorp · Revenue · Quarterly

$78.3M

Q1 2024-0.6%vs Q1 2023
Beat estimate in 6 of 14 quarters(43%)
ActualEstimate

Forward guidance

This press release contains forward-looking statements within the meaning of the Securities Exchange Act of 1934, as amended, including statements of goals, intentions, and expectations as to future trends, plans, events or results of Company operations and policies and regarding general economic conditions.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2024

Historical avgQ1 2024

-0.3%

Avg return

Earnings day

-0.5%

Avg return

5 days after

+0.3%

Avg return

30 days after

55%

36 / 66 earnings

Positive

+16.3%

Q4 2025

Best reaction

-28.1%

Q2 2019

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-2.7%-1.6%-2.6%
Q4 2025+16.3%+8.7%+10.3%
Q3 2025-12.4%-9.3%-7.3%
Q2 2025-2.1%-1.0%+10.0%
Q1 2025-11.4%-14.2%-17.6%
Q4 2024+2.8%+6.0%-7.4%
Q3 2024+12.4%+14.0%+26.3%
Q2 2024-2.2%-7.3%-4.6%
Q1 2024-10.4%-14.9%-16.5%
Q4 2023-1.2%-0.5%-13.7%
Q3 2023+12.0%+13.1%+32.6%
Q2 2023+6.9%+5.4%-10.2%
Q1 2023-17.7%-15.9%-39.2%
Q4 2022+4.5%+7.2%+3.1%
Q3 2022-6.3%-8.2%-3.7%
Q2 2022-4.2%-4.1%+4.9%
Q1 2022+0.4%-3.8%-12.8%
Q4 2021-5.2%-3.3%-3.7%
Q3 2021-0.5%-1.0%+2.4%
Q2 2021-4.8%-1.6%+2.2%
Q1 2021+0.3%+4.3%+9.8%
Q4 2020-3.4%-2.3%+11.0%
Q3 2020+5.6%+3.7%+25.5%
Q2 2020+3.3%-2.2%-6.7%
Q1 2020+4.7%+14.4%+4.9%
Q4 2019-1.6%-4.3%-7.8%
Q3 2019+1.4%+5.9%+5.7%
Q2 2019-28.1%-26.8%-26.7%
Q1 2019-1.4%-2.8%-1.7%
Q4 2018+1.0%+4.7%+11.9%
Q3 2018+5.7%+1.5%+9.0%
Q2 2018-4.5%-3.8%-9.5%
Q1 2018+2.8%+3.2%+4.4%
Q4 2017+0.5%+3.0%+3.9%
Q3 2017+1.0%+0.9%+0.4%
Q2 2017+3.3%+2.0%-1.8%
Q1 2017+2.6%+4.5%+0.4%
Q4 2016+2.1%+2.7%+7.4%
Q3 2016+0.4%+2.4%+14.2%
Q2 2016+0.2%+0.9%+3.2%
Q1 2016+0.3%
Q4 2015-1.5%
Q3 2015-4.2%
Q2 2015-1.2%
Q1 2015-0.4%
Q4 2014+3.3%
Q3 2014+1.3%
Q2 2014+3.6%
Q1 2014-2.1%
Q4 2013+6.6%
Q3 2013-4.9%
Q2 2013+2.5%
Q1 2013+3.3%
Q4 2010-1.9%
Q4 2011-1.9%
Q4 2012-2.0%
Q3 2012+3.1%
Q2 2012-2.5%
Q1 2011+0.5%
Q1 2012+4.1%
Q4 2009+1.7%
Q3 2010-5.7%
Q3 2011-5.7%
Q2 2011+3.2%
Q2 2010+3.2%
Q1 2010+5.1%

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