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EVANS BANCORP INC (EVBN) Stock Fundamental Analysis

NYSEARCA:EVBN - NYSE Arca - US29911Q2084 - Common Stock - Currency: USD

42.54  -0.62 (-1.44%)

Fundamental Rating

2

Overall EVBN gets a fundamental rating of 2 out of 10. We evaluated EVBN against 405 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. Finally EVBN also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year EVBN was profitable.
EVBN had a positive operating cash flow in the past year.
EVBN had positive earnings in each of the past 5 years.
Each year in the past 5 years EVBN had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M 25M

1.2 Ratios

EVBN's Return On Assets of 0.81% is in line compared to the rest of the industry. EVBN outperforms 51.38% of its industry peers.
EVBN's Return On Equity of 9.90% is fine compared to the rest of the industry. EVBN outperforms 70.18% of its industry peers.
Industry RankSector Rank
ROA 0.81%
ROE 9.9%
ROIC N/A
ROA(3y)1.09%
ROA(5y)1%
ROE(3y)13.79%
ROE(5y)11.9%
ROIC(3y)N/A
ROIC(5y)N/A
EVBN Yearly ROA, ROE, ROICEVBN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10

1.3 Margins

EVBN has a Profit Margin (22.05%) which is in line with its industry peers.
In the last couple of years the Profit Margin of EVBN has remained more or less at the same level.
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) 22.05%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y21.8%
PM growth 5Y0.17%
GM growth 3YN/A
GM growth 5YN/A
EVBN Yearly Profit, Operating, Gross MarginsEVBN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20 25

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1

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.
EVBN has more shares outstanding than it did 5 years ago.
EVBN has a worse debt/assets ratio than last year.
EVBN Yearly Shares OutstandingEVBN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 1M 2M 3M 4M 5M
EVBN Yearly Total Debt VS Total AssetsEVBN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B

2.2 Solvency

The Debt to FCF ratio of EVBN is 5.55, which is a neutral value as it means it would take EVBN, 5.55 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 5.55, EVBN is not doing good in the industry: 65.66% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.21 indicates that EVBN is not too dependend on debt financing.
The Debt to Equity ratio of EVBN (0.21) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 5.55
Altman-Z N/A
ROIC/WACCN/A
WACC10.73%
EVBN Yearly LT Debt VS Equity VS FCFEVBN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M

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3

3. Growth

3.1 Past

EVBN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -84.14%.
Measured over the past years, EVBN shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -12.22% on average per year.
Looking at the last year, EVBN shows a decrease in Revenue. The Revenue has decreased by -2.20% in the last year.
The Revenue has been growing by 8.25% on average over the past years. This is quite good.
EPS 1Y (TTM)-84.14%
EPS 3Y-7.13%
EPS 5Y-12.22%
EPS Q2Q%-19.7%
Revenue 1Y (TTM)-2.2%
Revenue growth 3Y6.46%
Revenue growth 5Y8.25%
Sales Q2Q%-8.95%

3.2 Future

EVBN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 25.09% yearly.
EVBN is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -2.19% yearly.
EPS Next Y15.86%
EPS Next 2Y25.09%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-13.94%
Revenue Next 2Y-2.19%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
EVBN Yearly Revenue VS EstimatesEVBN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4

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1

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 72.10, EVBN can be considered very expensive at the moment.
EVBN's Price/Earnings ratio is rather expensive when compared to the industry. EVBN is more expensive than 88.47% of the companies in the same industry.
EVBN's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 29.63.
The Price/Forward Earnings ratio is 15.71, which indicates a correct valuation of EVBN.
Based on the Price/Forward Earnings ratio, EVBN is valued a bit more expensive than the industry average as 70.43% of the companies are valued more cheaply.
EVBN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 72.1
Fwd PE 15.71
EVBN Price Earnings VS Forward Price EarningsEVBN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, EVBN is valued a bit more expensive than the industry average as 76.94% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 33.29
EV/EBITDA N/A
EVBN Per share dataEVBN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
A more expensive valuation may be justified as EVBN's earnings are expected to grow with 25.09% in the coming years.
PEG (NY)4.55
PEG (5Y)N/A
EPS Next 2Y25.09%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

EVBN has a Yearly Dividend Yield of 3.06%.
EVBN's Dividend Yield is comparable with the industry average which is at 3.18.
EVBN's Dividend Yield is a higher than the S&P500 average which is at 2.27.
Industry RankSector Rank
Dividend Yield 3.06%

5.2 History

On average, the dividend of EVBN grows each year by 7.66%, which is quite nice.
EVBN has paid a dividend for at least 10 years, which is 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)7.66%
Div Incr Years10
Div Non Decr Years11
EVBN Yearly Dividends per shareEVBN Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.2 0.4 0.6 0.8 1

5.3 Sustainability

EVBN pays out 39.46% of its income as dividend. This is a sustainable payout ratio.
EVBN's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP39.46%
EPS Next 2Y25.09%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M 25M
EVBN Dividend Payout.EVBN Dividend Payout, showing the Payout Ratio.EVBN Dividend Payout.PayoutRetained Earnings

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EVANS BANCORP INC

NYSEARCA:EVBN (2/21/2025, 8:16:19 PM)

42.54

-0.62 (-1.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30 2025-01-30/amc
Earnings (Next)04-28 2025-04-28/amc
Inst Owners59.84%
Inst Owner Change748.89%
Ins Owners3.76%
Ins Owner Change2.2%
Market Cap236.95M
Analysts43.33
Price Target51.05 (20%)
Short Float %0.36%
Short Ratio0.82
Dividend
Industry RankSector Rank
Dividend Yield 3.06%
Yearly Dividend1.32
Dividend Growth(5Y)7.66%
DP39.46%
Div Incr Years10
Div Non Decr Years11
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)32.32%
Min EPS beat(2)28.62%
Max EPS beat(2)36.02%
EPS beat(4)3
Avg EPS beat(4)-57.36%
Min EPS beat(4)-295.35%
Max EPS beat(4)36.02%
EPS beat(8)5
Avg EPS beat(8)-22.8%
EPS beat(12)8
Avg EPS beat(12)-14.58%
EPS beat(16)11
Avg EPS beat(16)-6.59%
Revenue beat(2)1
Avg Revenue beat(2)2.86%
Min Revenue beat(2)-0.3%
Max Revenue beat(2)6.02%
Revenue beat(4)2
Avg Revenue beat(4)21.18%
Min Revenue beat(4)-1.26%
Max Revenue beat(4)80.27%
Revenue beat(8)2
Avg Revenue beat(8)6.4%
Revenue beat(12)3
Avg Revenue beat(12)4.26%
Revenue beat(16)6
Avg Revenue beat(16)3.81%
PT rev (1m)0%
PT rev (3m)10%
EPS NQ rev (1m)0.21%
EPS NQ rev (3m)0.21%
EPS NY rev (1m)13.26%
EPS NY rev (3m)13.26%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)0.01%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.95%
Valuation
Industry RankSector Rank
PE 72.1
Fwd PE 15.71
P/S 2.84
P/FCF 33.29
P/OCF 32.29
P/B 1.27
P/tB 1.29
EV/EBITDA N/A
EPS(TTM)0.59
EY1.39%
EPS(NY)2.71
Fwd EY6.36%
FCF(TTM)1.28
FCFY3%
OCF(TTM)1.32
OCFY3.1%
SpS14.98
BVpS33.37
TBVpS33.03
PEG (NY)4.55
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.81%
ROE 9.9%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.05%
GM N/A
FCFM 8.53%
ROA(3y)1.09%
ROA(5y)1%
ROE(3y)13.79%
ROE(5y)11.9%
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 3Y21.8%
PM growth 5Y0.17%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 5.55
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.26%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 38.69%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC10.73%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.92%
Cap/Sales(5y)3.37%
Profit Quality(3y)85.46%
Profit Quality(5y)74.1%
High Growth Momentum
Growth
EPS 1Y (TTM)-84.14%
EPS 3Y-7.13%
EPS 5Y-12.22%
EPS Q2Q%-19.7%
EPS Next Y15.86%
EPS Next 2Y25.09%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.2%
Revenue growth 3Y6.46%
Revenue growth 5Y8.25%
Sales Q2Q%-8.95%
Revenue Next Year-13.94%
Revenue Next 2Y-2.19%
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-70.46%
FCF growth 3Y97.52%
FCF growth 5Y-4.4%
OCF growth 1Y-70.5%
OCF growth 3Y26.31%
OCF growth 5Y-8.97%