EVBN Fundamental Analysis - EVANS BANCORP INC

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to EVBN. EVBN was compared to 391 industry peers in the Banks industry. Both the profitability and financial health of EVBN have multiple concerns. EVBN has a expensive valuation and it also scores bad on growth.

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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.

Of the past 5 years EVBN 4 years had a positive operating cash flow.

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.

The Return On Equity of EVBN (6.53%) is worse than 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.

In the last couple of years the Profit Margin of EVBN has declined.

The Operating Margin and Gross Margin are not available for EVBN so they could not be analyzed.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

EVBN does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for EVBN has been increased compared to 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

EVBN has a Debt/Equity ratio of 0.21. This is a healthy value indicating a solid balance between debt and equity.

EVBN has a Debt to Equity ratio (0.21) which is comparable to the rest of the 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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

EVBN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 24.28%, which is quite impressive.

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.

EVBN shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -25.71%.

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 18.39, EVBN is valued on the expensive side.

78.09% of the companies in the same industry are cheaper than EVBN, based on the Price/Earnings ratio.

The average S&P500 Price/Earnings ratio is at 27.69. EVBN is valued slightly cheaper when compared to this.

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 the industry average as 71.79% of the companies are valued more cheaply.

The average S&P500 Price/Forward Earnings ratio is at 23.18. EVBN is valued slightly cheaper when compared to this.

		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

The 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

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.34%, EVBN has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.57, EVBN has a dividend in line with its industry peers.

EVBN's Dividend Yield is a higher than the S&P500 average which is at 2.34.

		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 their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)4.86%

Div Incr Years10

Div Non Decr Years11

5.3 Sustainability

EVBN pays out 60.97% of its income as dividend. 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

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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 Change0%

Ins Owners3.76%

Ins Owner Change-101.91%

Market Cap220.18M

Analysts43.33

Price Target46.41 (17.4%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector 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 Rank	Sector 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 Rank	Sector 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 Rank	Sector 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

EVANS BANCORP INC (EVBN) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens