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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Eagle Bancorp
Eagle Bancorp (EGBN) investor relations material
Eagle Bancorp Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary22 Oct, 2026
Executive summary
Net income was $24.2 million, or $0.79 per diluted share, versus $6.9 million in Q2; lower credit-loss provision drove the increase, while PPNR fell to $23.8 million.
NIM expanded for a third consecutive quarter to 2.60%; credit indicators improved and brokered funding declined, although NPAs rose, mainly due to one multifamily relationship.
Strategy prioritizes resolving legacy credit issues and stabilizing funding and the balance sheet before scaling relationship-led growth and improving returns.
Financial highlights
Net interest income was $61.3 million, down 1.7% QoQ; provision for credit losses fell to $2.8 million from $21.4 million.
Noninterest income was $9.6 million, down from $10.8 million; no Q2-equivalent loan-sale gain was partly offset by $1.1 million higher swap fee income.
Noninterest expense rose to $47.1 million from $44.0 million; $2.8 million of the QoQ increase was not expected to remain in the Q4 run rate.
Q3 net income included a $5.4 million benefit from settlement of Maryland state income tax refund claims.
Nine-month net income was $45.9 million versus a $135.6 million loss; nine-month PPNR was $80.5 million versus $87.9 million.
Outlook and guidance
Q4 outlook: average deposits $8.71–$9.16 billion, average loans $6.68–$7.02 billion, and NIM 2.65%–2.78%; PPNR is expected to increase from Q3 levels.
FY2027 outlook: average deposits $8.55–$9.47 billion, average loans $6.94–$7.67 billion, and NIM 2.77%–3.05%.
Provision and charge-offs are expected to be lower in 2027 than in 2026; projected 2027 NIM reflects asset repricing, portfolio remix, loan mix, and the 9/30 forward curve.
Around $350 million of investment assets earning 2% are expected to roll off in 2027 and be reinvested at higher yields; brokered-deposit cost tailwinds are not expected to recur.
Guidance is subject to rate, credit, real estate valuation, liquidity, funding-cost, competition, tariff, government-spending, and shutdown risks.
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Latest events from Eagle Bancorp
- Q2 2026 net income fell to $6.9M as credit loss provisions rose, but capital and asset quality improved.EGBN
Q2 2026 - Q1 2026 net income rose to $14.7M as margins improved and CRE risk remained a focus.EGBNQ1 2026
- Improved asset quality, leadership transition, and board strengthening set the stage for long-term growth.EGBNProxy filing
- Board recommends all proposals at the 2026 virtual meeting, with strong governance and ESG focus.EGBNProxy filing
- Shareholders will vote on director elections, auditor ratification, and executive pay at the 2026 meeting.EGBNProxy filing
- Board recommends voting for all directors, auditor, and say-on-pay; strong governance and ESG focus.EGBNProxy filing
- Board nominates Trevor Montano, advancing governance refreshment and investor engagement.EGBNProxy filing
- Annual meeting to elect directors, ratify auditor, and approve executive pay amid governance focus.EGBNProxy filing
- Q3 2025 net loss narrows to $67.5M; asset quality improves, but CRE risk persists.EGBNQ3 2025
Next Eagle Bancorp earnings date
Q4 202620 Jan, 2027
Eagle Bancorp
Next Eagle Bancorp earnings date
Q4 202620 Jan, 2027
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Frequently asked questions
Eagle Bancorp Inc is a bank holding company that provides commercial and consumer banking services through its subsidiary, EagleBank. The company offers deposit accounts, lending products, and treasury services to businesses and individuals in the Washington, D.C. metropolitan area. It serves clients through branch offices and digital banking platforms. Eagle Bancorp Inc is headquartered in Bethesda, Maryland, and its shares are listed on the NASDAQ.