EVANS BANCORP INC (EVBN) Stock Fundamental Analysis

NYSEARCA:EVBN • US29911Q2084

39.53 USD
+0.93 (+2.41%)
Last: May 2, 2025, 08:04 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to EVBN. EVBN was compared to 381 industry peers in the Banks industry. EVBN has a bad profitability rating. Also its financial health evaluation is rather negative. EVBN has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year EVBN was profitable.
  • In the past year EVBN has reported a negative cash flow from operations.
  • 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

  • EVBN has a worse Return On Assets (0.55%) than 72.54% of its industry peers.
  • 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

  • EVBN's Profit Margin of 17.10% is on the low side compared to the rest of the industry. EVBN is outperformed by 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 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • 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.
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.
  • With a Debt to Equity ratio value of 0.21, EVBN perfoms like the industry average, outperforming 43.07% of the companies in the same industry.
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

More info and screens

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

1

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.
  • 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

More info and screens

Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 18.39, the valuation of EVBN can be described as rather expensive.
  • 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.
  • EVBN is valuated rather cheaply when we compare the Price/Earnings ratio to 27.97, which is the current average of the S&P500 Index.
  • 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 the industry average as 71.79% of the companies are valued more cheaply.
  • When comparing the Price/Forward Earnings ratio of EVBN to the average of the S&P500 Index (27.96), we can say EVBN is valued slightly cheaper.
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

More info and screens

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

6

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.
  • EVBN's Dividend Yield is comparable with the industry average which is at 2.53.
  • EVBN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.79.
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 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)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.
  • 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
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

More info and screens

Find the best dividend stocksShow peers with best dividend

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 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%.