EVANS BANCORP INC (EVBN) Stock Fundamental Analysis
USA - NYSEARCA:EVBN - US29911Q2084 - Common Stock
39.53 USD
+0.93 (+2.41%)
We assign a fundamental rating of 2 out of 10 to EVBN. EVBN was compared to 388 industry peers in the Banks industry. EVBN has a bad profitability rating. Also its financial health evaluation is rather negative. EVBN does not seem to be growing, but still is valued expensively.
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.
Each year in the past 5 years EVBN has been profitable.
EVBN had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.55%, EVBN is not doing good in the industry: 72.54% of the companies in the same industry are doing better.
EVBN has a worse Return On Equity (6.53%) 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
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.
In the last couple of years the Profit Margin of EVBN has declined.
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.
Compared to 1 year ago, EVBN has more shares outstanding
The number of shares outstanding for EVBN has been increased compared to 5 years ago.
EVBN has a better debt/assets ratio than last year.
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 (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 |
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.
The Earnings Per Share has been decreasing by -9.80% on average over the past years.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 18.39 indicates a rather expensive valuation of EVBN.
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 25.51. EVBN is valued slightly cheaper when compared to this.
EVBN is valuated correctly with a Price/Forward Earnings ratio of 14.60.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EVBN indicates a slightly more expensive valuation: EVBN is more expensive than 71.79% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.98, EVBN is valued rather cheaply.
| 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
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.
Compared to an average industry Dividend Yield of 3.39, EVBN has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, EVBN pays a bit more dividend than the S&P500 average.
| 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
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
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)
Earnings (Next)
Inst Owners59.84%
Inst Owner Change-99.94%
Ins Owners3.76%
Ins Owner Change0%
Market Cap220.18M
Revenue(TTM)69.93M
Net Income(TTM)11.95M
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-Date
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
Graham NumberN/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
ROICexgc growth 3YN/A
ROICexgc 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 FAQ
What is the ChartMill fundamental rating of EVANS BANCORP INC (EVBN) stock?
ChartMill assigns a fundamental rating of 2 / 10 to EVBN.
What is the valuation status for EVBN stock?
ChartMill assigns a valuation rating of 2 / 10 to EVANS BANCORP INC (EVBN). This can be considered as Overvalued.
Can you provide the profitability details for EVANS BANCORP INC?
EVANS BANCORP INC (EVBN) has a profitability rating of 2 / 10.
What is the financial health of EVANS BANCORP INC (EVBN) stock?
The financial health rating of EVANS BANCORP INC (EVBN) is 1 / 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.