EVBN Fundamental Analysis - EVANS BANCORP INC

Fundamental Rating

EVBN gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 395 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.

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1. Profitability

1.1 Basic Checks

EVBN had positive earnings in the past year.

EVBN had a negative operating cash flow in the past year.

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.

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 has a Profit Margin of 17.10%. This is in the lower half of the industry: EVBN underperforms 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

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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.

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

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 of 0.21. This is comparable to the rest of the industry: EVBN outperforms 43.07% of its industry peers.

		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

The Earnings Per Share has grown by an impressive 24.28% over the past year.

The Earnings Per Share has been decreasing by -9.80% on average over the past years.

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

EVBN shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.06% yearly.

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.

EVBN's Price/Earnings ratio is a bit more expensive when compared to the industry. EVBN is 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 26.98, which is the current average of the S&P500 Index.

Based on the Price/Forward Earnings ratio of 14.60, the valuation of EVBN can be described as correct.

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 21.49. 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

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 3.47, 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 2.42.

		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 paid a dividend for at least 10 years, which is 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

60.97% of the earnings are spent on dividend by EVBN. This is not a sustainable payout ratio.

EVBN's earnings are growing more than its dividend. This makes the dividend growth 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 Change-87.71%

Ins Owners3.76%

Ins Owner Change-99.32%

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

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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

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