Revenue: As of FY2025 Q4, the actual value is USD 161.72 M.EPS: As of FY2025 Q4, the actual value is USD 0.25.EBIT: As of FY2025 Q4, the actual value is USD -47.65 M.<h4>Net Income</h4>伊格尔合众银行 (Eagle Bancorp, Inc.) reported a net income of $7.6 million for the fourth quarter of 2025, a significant improvement from a net loss of -$67.5 million in the third quarter, marking a $75.1 million improvement .<h4>Revenue Categories (Net Interest Income and Noninterest Income)</h4>Net interest income was $68.3 million for the fourth quarter of 2025, a slight increase of $0.1 million from $68.2 million in the prior quarter, primarily due to lower funding costs on brokered time deposits outpacing lower interest income on loans . Noninterest income increased by $9.7 million to $12.2 million in the fourth quarter of 2025, compared to $2.5 million in the prior quarter, driven by the non-recurrence of third-quarter losses and gains from SBIC investments and OREO sales .<h4>Operational Metrics</h4><ul><li>Noninterest Expense: Noninterest expenses rose by $17.9 million to $59.8 million in the fourth quarter of 2025, from $41.9 million in the prior quarter, largely due to $6.3 million in higher costs associated with the disposition of certain loans held for sale (HFS) and an $8.4 million valuation adjustment on the remaining HFS portfolio . The noninterest expense to average assets ratio was 1.60% for the full year 2025 .</li><li>Provision for Credit Losses (PCL): The provision for credit losses decreased significantly to $15.5 million in the fourth quarter of 2025, down from $113.2 million in the prior quarter, primarily due to lower charge-offs .</li><li>Pre-provision Net Revenue (PPNR): PPNR for the fourth quarter was $20.7 million, down from $28.8 million in the prior quarter, mainly due to the increase in noninterest expense .</li><li>Net Interest Margin (NIM): The NIM decreased to 2.38% for the fourth quarter of 2025, compared to 2.43% for the prior quarter, influenced by a mix shift between loans and cash .</li><li>Net Charge-offs: Annualized quarterly net charge-offs were 0.67% for the fourth quarter of 2025, a substantial decrease from 7.36% in the third quarter, with total net charge-offs of $12.3 million, down from $140.8 million in the prior quarter .</li><li>Efficiency Ratio: The efficiency ratio was 63.72% for the full year 2025 .</li><li>Return on Average Tangible Common Equity: This metric was 2.63% .</li><li>Return on Average Assets: This metric was 0.25% .</li></ul><h4>Balance Sheet and Capital Metrics</h4><ul><li>Total Assets: $10.5 billion as of December 31, 2025 .</li><li>Total Loans: Total loans, including loans held for sale, were $7.4 billion at December 31, 2025, a 1% decrease from the prior quarter-end . Total loans were $7.3 billion as of December 31, 2025 . Total Commercial and Industrial (C&amp;I) loans increased by $301.0 million, or 10.95% . Non-accrual loans decreased by $11.8 million to $106.897 million during the fourth quarter of 2025 . The exposure to income-producing office loans was reduced to $577 million, or 8% of total loans, with 81.3% rated pass .</li><li>Total Deposits: Total deposits were $9.1 billion at December 31, 2025, a decrease of $0.3 billion (4%) from the prior quarter-end, mainly driven by lower balances in brokered time deposit accounts and noninterest-bearing deposits . Total average C&amp;I deposits increased by $367.0 million, or 22.30% from the previous quarter . Uninsured deposits represented 25% of total deposits .</li><li>Nonperforming Assets (NPAs): Nonperforming assets decreased by $24.4 million to $108.9 million as of December 31, 2025, representing 1.04% of total assets, compared to $133.3 million (1.23% of total loans) as of September 30, 2025 . Loans 30-89 days past due increased to $49.9 million from $29.1 million in the prior quarter .</li><li>Allowance for Credit Losses (ACL): The ACL as a percentage of total loans was 2.19% at quarter-end, up from 2.14% at the prior quarter-end . Performing office coverage was 12.89% at quarter-end, compared to 11.36% at the prior quarter-end .</li><li>Substandard and Special Mention Loans: These totaled $783.4 million at December 31, 2025, down from $958.5 million in the prior quarter .</li><li>Shareholders’ Equity: Total shareholders’ equity was $1.1 billion at December 31, 2025, up 1.6% from the prior quarter-end, primarily due to quarterly income .</li><li>Tangible Common Equity: This was $1.1 billion as of December 31, 2025 .</li><li>Book Value per Share: Book value per share and tangible book value per share were both $37.59, an increase of 1.6% from the prior quarter-end .</li><li>Capital Ratios: At quarter-end, the common equity tier 1 capital (to risk-weighted assets) ratio was 13.83%, and the tangible common equity ratio was 10.87% .</li><li>Insured Deposits: Total estimated insured deposits decreased to $6.9 billion, representing 75.3% of deposits, compared to $7.2 billion, or 75.6% in the prior quarter .</li></ul><h4>Liquidity</h4>Total on-balance sheet liquidity and available capacity was $4.7 billion, providing a coverage ratio of over 199% for uninsured deposits of $2.3 billion or $2.4 billion .<h4>Outlook / Guidance</h4>伊格尔合众银行 (Eagle Bancorp, Inc.) is focused on improving its funding mix in 2026 to drive stronger pre-provision net revenue and improved returns . For 2026, the company anticipates a 4-7% decrease in average deposits and a 4-6% decrease in average loans . The net interest margin is expected to be between 2.60% and 2.80%, noninterest income is projected to grow by 15-25%, and noninterest expense is forecast to decrease by 0-4%, with an effective tax rate of 12-16% .

Eagle Bancorp | 8-K: FY2025 Q4 Revenue: USD 161.72 M