EVANS BANCORP INC (EVBN) Fundamental Analysis & Valuation

NYSEARCA:EVBN • US29911Q2084

Current stock price

39.53 USD
+0.93 (+2.41%)
Last:

This EVBN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. EVBN Profitability Analysis

1.1 Basic Checks

  • In the past year EVBN was profitable.
  • EVBN had a negative operating cash flow in the past year.
  • EVBN had positive earnings in each of the past 5 years.
  • EVBN had a positive operating cash flow in 4 of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M 15M 20M 25M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.55%, EVBN is doing worse than 72.54% of the companies in the same industry.
  • EVBN has a worse Return On Equity (6.53%) than 66.75% of its industry peers.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 17.10%, EVBN is doing worse than 71.28% of the companies in the same industry.
  • 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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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1

2. EVBN Health Analysis

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.
  • EVBN has a better debt/assets ratio than last year.
EVBN Yearly Shares OutstandingEVBN Yearly Shares OutstandingYearly Shares Outstanding 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 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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. EVBN Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 24.28% over the past year.
  • EVBN shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.80% yearly.
  • EVBN shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -25.71%.
  • 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.
EVBN Yearly Revenue VS EstimatesEVBN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4

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2

4. EVBN Valuation Analysis

4.1 Price/Earnings Ratio

  • EVBN is valuated rather expensively with a Price/Earnings ratio of 18.39.
  • Compared to the rest of the industry, the Price/Earnings ratio of EVBN indicates a slightly more expensive valuation: EVBN is more expensive than 78.09% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.23, EVBN is valued a bit cheaper.
  • The Price/Forward Earnings ratio is 14.60, which indicates a correct valuation of EVBN.
  • Based on the Price/Forward Earnings ratio, EVBN is valued a bit more expensive than 71.79% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 23.28. EVBN is valued slightly cheaper when compared to this.
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

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. EVBN Dividend Analysis

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 2.80, EVBN has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, EVBN pays a better dividend.
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 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
EVBN Yearly Dividends per shareEVBN Yearly Dividends per shareYearly Dividends per share 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.
  • 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
EVBN Yearly Income VS Free CF VS DividendEVBN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 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

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EVBN Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)07-28
Inst Owners59.84%
Inst Owner Change0%
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 RankSector Rank
Dividend Yield 3.34%
Yearly Dividend1.32
Dividend Growth(5Y)4.86%
DP60.97%
Div Incr Years10
Div Non Decr Years11
Ex-DateN/A
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
Graham NumberN/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
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 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

EVANS BANCORP INC / EVBN Fundamental Analysis 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%.