39.53 USD
+0.93 (+2.41%)
Last: May 2, 2025, 08:04 PM
We assign a fundamental rating of 2 out of 10 to EVBN. EVBN was compared to 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.
- 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's Return On Equity of 6.53% is on the low side compared to the rest of the industry. EVBN is outperformed by 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
- The Profit Margin of EVBN (17.10%) is worse than 71.28% of its industry peers.
- EVBN's Profit Margin has declined in the last couple of years.
- 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
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.
- Compared to 1 year ago, EVBN has an improved debt to assets ratio.
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 |
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.
- Looking at the last year, EVBN shows a very negative growth in Revenue. The Revenue has decreased by -25.71% in the last year.
- 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
- EVBN is valuated rather expensively with a Price/Earnings ratio of 18.39.
- 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's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.30.
- A Price/Forward Earnings ratio of 14.60 indicates a correct valuation of EVBN.
- EVBN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. EVBN is more expensive than 71.79% of the companies in the same industry.
- EVBN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 25.57, 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
- 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 2.73, EVBN has a dividend in line with its industry peers.
- EVBN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| 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
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%.