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Eagle Bancorp (EGBN) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · Eagle Bancorp (EGBN) Q3 2026 earnings results →

Q3 2026 Revenue up 0% year over year to $70.9M · 34¢ of every $1 of revenue kept as net profit · operating margin 29.6%

Eagle Bancorp made $70.9M in Q3 2026 (+0.3% Y/Y): Net interest income $61.3M, Noninterest income $9.6M. Operating margin 29.6%, net earnings $24.2M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.

Revenue$70.9M
Year over year+0.3%
Operating margin29.6%
Net earnings$24.2M
Operating cash flow$56.2M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $70.9M in Q3 2026, roughly flat year over year and down 3% from the previous quarter. Net interest income was the largest line at 87% of revenue. Noninterest income added $7.1M year over year (up 283%), 3228% of the total change. Net interest income declined 10%.

Operating profit was $21.0M, a 29.6% margin (up 149.0 points year over year). Total costs fell 68% while revenue was flat. The fastest-growing cost line was Noninterest expense (+12%). Net earnings were $24.2M. The effective tax rate was -15.7%.

Operating cash flow was $56.2M (up 183% year over year), 232% of net earnings. Non-cash charges added back $562K of depreciation and amortization and $3.5M of share-based compensation. Working capital and other items added $27.9M. Capital expenditures of $2.0M left free cash flow of $54.2M.

Quarterly history

QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 5, 2026$70.9M+0.3%29.6%$24.2M$56.2M

Charts

Eagle Bancorp: where the cash came from (+) and went (−), TTM to Q3 2026Eagle Bancorp: where the cash came from (+) and went (−), TTM to Q3 2026Other financing−$1.4BOther investing$1.0BCash drawn (+) / kept (−)$309MOperating cash flow$97.5MCapital spending−$6.3MDividends−$1.2MShares issued$482K
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Eagle Bancorp: profit against cash, quarter by quarterEagle Bancorp: profit against cash, quarter by quarterNet incomeOperating cash flow$15.3M$10.1MQ4 2024$1.7M$43.2MQ1 2025−$69.8M−$28.6MQ2 2025−$67.5M$19.8MQ3 2025−$2.4M−$5.9MQ4 2025$14.7M$14.9MQ1 2026$6.9M$32.4MQ2 2026$24.2M$56.2MQ3 2026
Latest (Q3 2026): Net income $24.2M, Operating cash flow $56.2M.
Eagle Bancorp: diluted shares by fiscal yearEagle Bancorp: diluted shares by fiscal year32MFY202032MFY202132MFY202230MFY202330MFY202430MFY2025
-6.2% since FY2020: buybacks shrank the count.
Eagle Bancorp in its industry: growth against margin (133 companies, SIC 6022)Eagle Bancorp in its industry: growth against margin (133 companies, SIC 6022)revenue growth, year over year →↑ operating marginmedian +9%median 40%BNYSTTFITBMTBFCNCAALLYCFGNTRSWALBPOPEWBCWTFCCOLBSSBCBSHASBHWCAUBGBCIUBSIABCBHTHHOMBUCBRNSTFBPCATYFIBKCUBIFHBIBOCMBINSBCFBOHCVBFBUSEEFSCOFGLOBFBKFFINSFBSMCHBCCBFBNCGABCBYSYBTPEBOTCBKOBKSTBAFMBHRBCAACNOBAMALMCBQCRHOSBCFMNBBFSTUVSPTMPCCNEMSBIHBTEQBKCTBICPFTHFFMPBSBSIMBWMLKFNIBCPSPFIWASHCCBGCOFSCWBCHBIAACNBGSBCFSBCTRSTCIVBFCBCMCBSFBIZINBKBWBCBANMVBFBSRRCZNCCFFIRBBISTRUNTYBWFGBMRCRRBIPCBFCBMCHMGCZFSNWFLWTBAMYFWAVBHOPBKUSCBFCCOEBMTCOSOFXNCPKBKISBAPEBKBPRNBRBSHNVRMNSBFVCBCCFNSBFGJMSBBOTJNWPPFUSBAUBNJUVFEGBN (+0%, 30%)
State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About Eagle Bancorp

In this report, unless otherwise expressly stated or the context otherwise requires, the terms "we," "us," the "Company," "Eagle" and "our" refer to Eagle Bancorp, Inc. and our subsidiaries on a consolidated basis, except in the description of any of our securities, in which case these terms refer solely to Eagle Bancorp, Inc. and not to any of our subsidiaries. References to "EagleBank" or "Bank" refer to EagleBank, which is our principal operating subsidiary. This report contains additional trade names and trademarks of other companies. We do not intend our use or display of other companies' trade names or trademarks to imply an endorsement or sponsorship of us by such companies or any relationship with any of these companies.

In its own words, from its 10-K, filed Mar 9, 2026.

Eagle Bancorp against its State Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +0.3% against the peers' median +10%. Operating margin: 29.6% against the peers' median 34.6%.

CompanyQuarterRevenueY/YOp. margin
EGBN Eagle BancorpQ3 2026$70.9M+0.3%29.6%
BNY Bank of New York MellonQ3 2026$5.7B+12%38.5%
STT State StreetQ3 2026$4.0B+13%34.7%
FITB Fifth Third BancorpQ3 2026$3.3B+42%33.8%
MTB M&T BankQ3 2026$2.5B+0.9%39.7%
FCNCA First Citizens BancsharesQ3 2026$2.4B0%33.1%
ALLY Ally FinancialQ3 2026$2.3B+8%24.3%
CFG Citizens Financial GroupQ3 2026$2.3B+10%34.6%
NTRS Northern TrustQ3 2026$2.3B+13%34.7%

Source: Eagle Bancorp 10-Q on SEC EDGAR · CIK 1050441 · State Commercial Banks

Guidance and outlook

Eagle Bancorp: what its forward-looking statements are about (10-Q filed 2026-11-05)Eagle Bancorp: what its forward-looking statements are about (10-Q filed 2026-11-05)Other12The economy5Supply chain4Demand2Margins1Legal & regulation1Products1
26 statements; tone -0.19 (−1 all cautious, +1 all confident); 7 hedged.
Eagle Bancorp: outlook statements against the filing beforeEagle Bancorp: outlook statements against the filing beforeConfident3Cautious8

13F: who owns EGBN and who is buying

Largest holders of EGBN (13F)Largest holders of EGBN (13F)BlackRock$119MNorth Reef Capital Management LP$48.6MT. Rowe Price Investment Manageme…$47.9MState Street$44.4MVanguard Group$40.1MWellington Management Group LLP$35.0MVanguard Capital Management LLC$34.6MAlliancebernstein L.P.$31.6MDimensional Fund Advisors LP$31.2MGeode Capital Management, LLC$21.1M
Funds' net buying of EGBN by quarter (13F)Funds' net buying of EGBN by quarter (13F)$9.8M2024-09$42.3M2024-12$14.1M2025-03−$9.3M2025-06$25.7M2025-09$19.0M2025-12−$34.9M2026-03−$1.9M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on EGBN

History

Every quarter: Q3 2026 results

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