Eagle Bancorp (FRA:2ZI) Moat Score: 3/10 (As of Jul. 02, 2026)


FRA:2ZI Eagle Bancorp Inc FRA:2ZI
59 GF Score
Price €23.00
GF Value €16.91
! 5 Warning Signs
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What is Eagle Bancorp Moat Score?

Eagle Bancorp FRA:2ZI +0.88% 59 Moat Score is 3 as of Jul. 02, 2026. GuruFocus rates FRA:2ZI with a GF Score™ of 59/100 and a GF Value™ of €16.91. The stock has 5 warning signs investors should review. Among 1,612 Banks companies, Eagle Bancorp ranks better than 74.5% on this metric.

Eagle Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Eagle Bancorp has No Moat: Eagle Bancorp Inc operates in a highly competitive banking sector with minimal switching costs and regulatory barriers. The company lacks significant market leadership, brand strength, or proprietary technology, resulting in a very weak competitive position. Its advantages are transient and not durable.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Eagle Bancorp might have No Moat - Very weak/transient advantages.

Eagle Bancorp  (FRA:2ZI) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Eagle Bancorp Moat Score Related Terms

FRA:2ZI vs MPB, FMNB, GSBC: Moat Score Comparison

For the Banks - Regional subindustry, Eagle Bancorp's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Eagle Bancorp Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Eagle Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Eagle Bancorp's Moat Score falls into.


FRA:2ZI
59GF Score
Eagle Bancorp Inc FRA:2ZI
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Eagle Bancorp (FRA:2ZI) has a Moat Score of 3 as of Jul. 02, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Eagle Bancorp ranks #411 out of 1612 companies in the Banks industry, placing it in the top 25.5%.
Is Eagle Bancorp's Moat Score too high?
Eagle Bancorp's current Moat Score is 3. Based on the distribution chart, Eagle Bancorp ranks #411 out of 1612 companies in the Banks industry, which is above the industry midpoint. Overall, Eagle Bancorp has a GF Score™ of 59/100, reflecting its overall financial health beyond just this single metric.
How does Eagle Bancorp's Moat Score compare to MPB and FMNB?
According to the Banks industry distribution chart, Eagle Bancorp ranks #411 out of 1612 companies for Moat Score. This puts Eagle Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Eagle Bancorp's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Eagle Bancorp stock overvalued right now?
Eagle Bancorp (FRA:2ZI) has a current Moat Score of 3. The stock's GF Value™ is €16.91, compared to a current price of €23.00 — trading 36% above its estimated fair value. The current Moat Score is 3. Eagle Bancorp's overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Eagle Bancorp (FRA:2ZI), the current Moat Score is 3 as of Jul. 02, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Eagle Bancorp (FRA:2ZI) Overvalued in 2026?

Based on GuruFocus' analysis, Eagle Bancorp stock appears to be overvalued. The current stock price of €23.00 is trading 36% above its estimated GF Value™ of €16.91.

Key valuation signals for FRA:2ZI:

  • Moat Score: 3
  • GF Value™: €16.91 vs. price of €23.00 (36% above fair value)
  • GF Score™: 59/100 with 5 warning signs

No single metric tells the full story. See the FRA:2ZI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Eagle Bancorp Business Description

Other Exchanges EGBN:USA
Address 7500 Old Georgetown Road, 15th Floor, Bethesda, MD, USA, 20814
Eagle Bancorp Inc is a Maryland chartered commercial bank. The bank offers a broad range of commercial banking services to its business and professional clients, as well as consumer banking services to individuals living and/or working in the bank's market area. These services include commercial loans for a variety of business purposes such as 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; (v) consumer home equity lines of credit, personal lines of credit and term loans; (vi) consumer installment loans such as auto and personal loans; and (vii) personal credit cards offered through an outside vendor.
59GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€23.00
Price
€16.91
GF Value