39.53 USD
+0.93 (+2.41%)
EVBN gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. EVBN may be in some trouble as it scores bad on both profitability and health. EVBN has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
- EVBN had positive earnings in the past year.
- In the past year EVBN has reported a negative cash flow from operations.
- In the past 5 years EVBN has always been profitable.
- EVBN had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- EVBN has a Return On Assets of 0.55%. This is in the lower half of the industry: EVBN underperforms 72.54% of its industry peers.
- EVBN has a Return On Equity of 6.53%. This is in the lower half of the industry: EVBN underperforms 66.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.55% | ||
| ROE | 6.53% | ||
| ROIC | N/A |
ROA(3y)0.91%
ROA(5y)0.88%
ROE(3y)11.61%
ROE(5y)10.91%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- With a Profit Margin value of 17.10%, EVBN is not doing good in the industry: 71.28% of the companies in the same industry are doing better.
- EVBN's Profit Margin has declined in the last couple of years.
- EVBN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 17.1% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.3%
PM growth 5Y-6.75%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- EVBN does not have a ROIC to compare to the WACC, probably because it is not profitable.
- EVBN has more shares outstanding than it did 1 year ago.
- The number of shares outstanding for EVBN has been increased compared to 5 years ago.
- The debt/assets ratio for EVBN has been reduced compared to a year ago.
2.2 Solvency
- A Debt/Equity ratio of 0.21 indicates that EVBN is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.21, EVBN is in line with its industry, outperforming 43.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.24%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 24.28% over the past year.
- EVBN shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.80% yearly.
- The Revenue for EVBN has decreased by -25.71% in the past year. This is quite bad
- The Revenue has been decreasing by -0.06% on average over the past years.
EPS 1Y (TTM)24.28%
EPS 3Y-21.06%
EPS 5Y-9.8%
EPS Q2Q%175.28%
Revenue 1Y (TTM)-25.71%
Revenue growth 3Y-8.62%
Revenue growth 5Y-0.06%
Sales Q2Q%-41.55%
3.2 Future
- No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
- No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y25.91%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.13%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
- No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 18.39, EVBN is valued on the expensive side.
- Based on the Price/Earnings ratio, EVBN is valued a bit more expensive than the industry average as 78.09% of the companies are valued more cheaply.
- The average S&P500 Price/Earnings ratio is at 27.21. EVBN is valued slightly cheaper when compared to this.
- The Price/Forward Earnings ratio is 14.60, which indicates a correct valuation of EVBN.
- Based on the Price/Forward Earnings ratio, EVBN is valued a bit more expensive than the industry average as 71.79% of the companies are valued more cheaply.
- EVBN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.39 | ||
| Fwd PE | 14.6 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- EVBN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.71
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- EVBN has a Yearly Dividend Yield of 3.34%. Purely for dividend investing, there may be better candidates out there.
- EVBN's Dividend Yield is comparable with the industry average which is at 2.65.
- EVBN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.34% |
5.2 History
- The dividend of EVBN has a limited annual growth rate of 4.86%.
- EVBN has been paying a dividend for at least 10 years, so it has a reliable track record.
- EVBN has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)4.86%
Div Incr Years10
Div Non Decr Years11
5.3 Sustainability
- 60.97% of the earnings are spent on dividend by EVBN. This is not a sustainable payout ratio.
- The dividend of EVBN is growing, but earnings are growing more, so the dividend growth is sustainable.
DP60.97%
EPS Next 2YN/A
EPS Next 3YN/A
EVANS BANCORP INC / EVBN FAQ
What is the ChartMill fundamental rating of EVANS BANCORP INC (EVBN) stock?
ChartMill assigns a fundamental rating of 2 / 10 to EVBN.
Can you provide the valuation status for EVANS BANCORP INC?
ChartMill assigns a valuation rating of 2 / 10 to EVANS BANCORP INC (EVBN). This can be considered as Overvalued.
How profitable is EVANS BANCORP INC (EVBN) stock?
EVANS BANCORP INC (EVBN) has a profitability rating of 2 / 10.
Can you provide the expected EPS growth for EVBN stock?
The Earnings per Share (EPS) of EVANS BANCORP INC (EVBN) is expected to grow by 25.91% in the next year.
How sustainable is the dividend of EVANS BANCORP INC (EVBN) stock?
The dividend rating of EVANS BANCORP INC (EVBN) is 6 / 10 and the dividend payout ratio is 60.97%.