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. Both the profitability and financial health of EVBN have multiple concerns. EVBN has a expensive valuation and it also scores bad on growth.
1. Profitability
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.
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.
Looking at the Return On Equity, with a value of 6.53%, EVBN is doing worse than 66.75% of the companies in the same industry.
| 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
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.
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.
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.
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 (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
The Earnings Per Share has grown by an impressive 24.28% over the past year.
Measured over the past years, EVBN shows a decrease in Earnings Per Share. The EPS has been decreasing by -9.80% on average per year.
Looking at the last year, EVBN shows a very negative growth in Revenue. The Revenue has decreased by -25.71% in the last year.
The Revenue has been decreasing by -0.06% on average over the past years.
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.
Compared to an average S&P500 Price/Earnings ratio of 26.51, EVBN is valued a bit cheaper.
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's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.13.
| 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%.
EVBN's Dividend Yield is comparable with the industry average which is at 2.74.
EVBN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| 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
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
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-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 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.
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%.