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EVANS BANCORP INC (EVBN) Stock Fundamental Analysis

NYSEARCA:EVBN - NYSE Arca - US29911Q2084 - Common Stock - Currency: USD

39.53  +0.93 (+2.41%)

Fundamental Rating

2

EVBN gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 504 industry peers in the Banks industry. Both the profitability and financial health of EVBN have multiple concerns. EVBN does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

In the past year EVBN was profitable.
In the past year EVBN has reported a negative cash flow from operations.
Each year in the past 5 years EVBN has been profitable.
Of the past 5 years EVBN 4 years had a positive operating cash flow.
EVBN Yearly Net Income VS EBIT VS OCF VS FCFEVBN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M 15M 20M 25M

1.2 Ratios

EVBN's Return On Assets of 0.55% is on the low side compared to the rest of the industry. EVBN is outperformed by 72.54% of its industry peers.
Looking at the Return On Equity, with a value of 6.53%, EVBN is doing worse than 66.75% of the companies in the same industry.
Industry RankSector 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
EVBN Yearly ROA, ROE, ROICEVBN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

EVBN's Profit Margin of 17.10% is on the low side compared to the rest of the industry. EVBN is outperformed by 71.28% of its industry peers.
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 RankSector 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
EVBN Yearly Profit, Operating, Gross MarginsEVBN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1

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.
EVBN has more shares outstanding than it did 5 years ago.
The debt/assets ratio for EVBN has been reduced compared to a year ago.
EVBN Yearly Shares OutstandingEVBN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M 5M
EVBN Yearly Total Debt VS Total AssetsEVBN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

A Debt/Equity ratio of 0.21 indicates that EVBN is not too dependend on debt financing.
EVBN has a Debt to Equity ratio of 0.21. This is comparable to the rest of the industry: EVBN outperforms 43.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC16.24%
EVBN Yearly LT Debt VS Equity VS FCFEVBN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
EVBN Yearly Current Assets VS Current LiabilitesEVBN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

1

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 24.28% over the past year.
Measured over the past years, EVBN shows a decrease in Earnings Per Share. The EPS has been decreasing by -9.80% on average per year.
The Revenue for EVBN has decreased by -25.71% in the past year. This is quite bad
Measured over the past years, EVBN shows a decrease in Revenue. The Revenue has been decreasing by -0.06% on average per year.
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.
EVBN Yearly Revenue VS EstimatesEVBN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
EVBN Yearly EPS VS EstimatesEVBN Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4

2

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 78.09% of the companies in the same industry.
EVBN is valuated rather cheaply when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
EVBN is valuated correctly with a Price/Forward Earnings ratio of 14.60.
Based on the Price/Forward Earnings ratio, EVBN is valued a bit more expensive than 71.79% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.06, EVBN is valued a bit cheaper.
Industry RankSector Rank
PE 18.39
Fwd PE 14.6
EVBN Price Earnings VS Forward Price EarningsEVBN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
EVBN Per share dataEVBN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

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

6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.34%, EVBN has a reasonable but not impressive dividend return.
EVBN's Dividend Yield is comparable with the industry average which is at 2.38.
Compared to an average S&P500 Dividend Yield of 2.38, EVBN pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.34%

5.2 History

The dividend of EVBN has a limited annual growth rate of 4.86%.
EVBN has paid a dividend for at least 10 years, which is 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
EVBN Yearly Dividends per shareEVBN Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

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
EVBN Yearly Income VS Free CF VS DividendEVBN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M 15M 20M 25M
EVBN Dividend Payout.EVBN Dividend Payout, showing the Payout Ratio.EVBN Dividend Payout.PayoutRetained Earnings

EVANS BANCORP INC

NYSEARCA:EVBN (5/2/2025, 8:04:00 PM)

39.53

+0.93 (+2.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/amc
Earnings (Next)07-28 2025-07-28/amc
Inst Owners59.84%
Inst Owner Change-87.71%
Ins Owners3.76%
Ins Owner Change-95.54%
Market Cap220.18M
Analysts43.33
Price Target46.41 (17.4%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.34%
Yearly Dividend1.32
Dividend Growth(5Y)4.86%
DP60.97%
Div Incr Years10
Div Non Decr Years11
Ex-Date03-13 2025-03-13 (0.66)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)33.02%
Min EPS beat(2)28.62%
Max EPS beat(2)37.42%
EPS beat(4)4
Avg EPS beat(4)25.83%
Min EPS beat(4)1.25%
Max EPS beat(4)37.42%
EPS beat(8)6
Avg EPS beat(8)-18.11%
EPS beat(12)8
Avg EPS beat(12)-11.67%
EPS beat(16)11
Avg EPS beat(16)-5.85%
Revenue beat(2)2
Avg Revenue beat(2)6.78%
Min Revenue beat(2)6.02%
Max Revenue beat(2)7.54%
Revenue beat(4)2
Avg Revenue beat(4)3%
Min Revenue beat(4)-1.26%
Max Revenue beat(4)7.54%
Revenue beat(8)3
Avg Revenue beat(8)7.77%
Revenue beat(12)3
Avg Revenue beat(12)4.41%
Revenue beat(16)6
Avg Revenue beat(16)3.97%
PT rev (1m)-9.09%
PT rev (3m)-9.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)30.94%
EPS NY rev (1m)0%
EPS NY rev (3m)8.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.1%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)1.79%
Valuation
Industry RankSector Rank
PE 18.39
Fwd PE 14.6
P/S 3.15
P/FCF N/A
P/OCF N/A
P/B 1.2
P/tB 1.21
EV/EBITDA N/A
EPS(TTM)2.15
EY5.44%
EPS(NY)2.71
Fwd EY6.85%
FCF(TTM)-0.56
FCFYN/A
OCF(TTM)-0.49
OCFYN/A
SpS12.55
BVpS32.88
TBVpS32.55
PEG (NY)0.71
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.55%
ROE 6.53%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.1%
GM N/A
FCFM 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
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score2
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.49%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score2
WACC16.24%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.71%
Cap/Sales(5y)2.14%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)24.28%
EPS 3Y-21.06%
EPS 5Y-9.8%
EPS Q2Q%175.28%
EPS Next Y25.91%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-25.71%
Revenue growth 3Y-8.62%
Revenue growth 5Y-0.06%
Sales Q2Q%-41.55%
Revenue Next Year11.13%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-120.42%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-117.56%
OCF growth 3YN/A
OCF growth 5YN/A