Comparing Eagle Bancorp (NASDAQ:EGBN) & FirstSun Capital Bancorp (NASDAQ:FSUN)

FirstSun Capital Bancorp (NASDAQ:FSUN) and Eagle Bancorp (NASDAQ:EGBN) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, earnings, dividends, institutional ownership, analyst recommendations, risk and profitability.

Earnings and Valuation

This table compares FirstSun Capital Bancorp and Eagle Bancorp”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
FirstSun Capital Bancorp	$569.65 million	3.30	$97.94 million	$1.97	20.50
Eagle Bancorp	$634.26 million	1.57	-$138.05 million	$1.75	18.71

FirstSun Capital Bancorp has higher earnings, but lower revenue than Eagle Bancorp. Eagle Bancorp is trading at a lower price-to-earnings ratio than FirstSun Capital Bancorp, indicating that it is currently the more affordable of the two stocks.

Volatility and Risk

FirstSun Capital Bancorp has a beta of 0.34, suggesting that its share price is 66% less volatile than the S&P 500. Comparatively, Eagle Bancorp has a beta of 0.98, suggesting that its share price is 2% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of current ratings and target prices for FirstSun Capital Bancorp and Eagle Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
FirstSun Capital Bancorp	1	1	3	1	2.67
Eagle Bancorp	1	2	1	1	2.40

FirstSun Capital Bancorp currently has a consensus target price of $45.25, suggesting a potential upside of 12.06%. Eagle Bancorp has a consensus target price of $31.00, suggesting a potential downside of 5.31%. Given FirstSun Capital Bancorp’s stronger consensus rating and higher possible upside, equities analysts clearly believe FirstSun Capital Bancorp is more favorable than Eagle Bancorp.

Profitability

This table compares FirstSun Capital Bancorp and Eagle Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
FirstSun Capital Bancorp	6.60%	7.16%	0.92%
Eagle Bancorp	9.30%	4.66%	0.54%

Institutional & Insider Ownership

78.0% of Eagle Bancorp shares are held by institutional investors. 10.5% of FirstSun Capital Bancorp shares are held by insiders. Comparatively, 3.1% of Eagle Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Summary

FirstSun Capital Bancorp beats Eagle Bancorp on 10 of the 14 factors compared between the two stocks.

About FirstSun Capital Bancorp

FirstSun Capital Bancorp engages in the provision of commercial banking services. It operates through the following segments: Banking, Mortgage Operations, and Corporate. The Banking segment consists of loans and provides deposits and fee-based services to consumer, business, and mortgage lending customers. The Mortgage Operations segment originates, sells, services, and manages market risk from changes in interest rates on one-to-four family residential mortgage loans to sell and hold. The company is founded on November 9, 1981 headquartered in Denver, CO.

About Eagle Bancorp

Eagle Bancorp, Inc. operates as the bank holding company for EagleBank that provides commercial and consumer banking services primarily in the United States. The company also offers various commercial and consumer lending products comprising commercial loans for working capital, equipment purchases, real estate lines of credit, and government contract financing; asset based lending and accounts receivable financing; construction and commercial real estate loans; business equipment financing; consumer home equity lines of credit, personal lines of credit, and term loans; consumer installment loans, such as auto and personal loans; personal credit cards; and residential mortgage loans. In addition, it provides online and mobile banking services; checking and saving accounts; and other deposit services, including cash management services, business sweep accounts, lock boxes, remote deposit captures, account reconciliation services, merchant card services, safety deposit boxes, and automated clearing house origination, as well as after-hours depositories and ATM services. Further, the company offers insurance products and services through a referral program; and treasury management services. The company serves sole proprietors, small and medium-sized businesses, partnerships, corporations, and non-profit organizations and associations, as well as investors. Eagle Bancorp, Inc. was incorporated in 1997 and is headquartered in Bethesda, Maryland.