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Price (delayed)
$44.07
Market cap
$243.89M
P/E Ratio
13.19
Dividend/share
$1.32
EPS
$3.34
Enterprise value
$287.66M
Evans Bancorp, Inc. is a financial holding company and the parent company of Evans Bank, N.A., a commercial bank with $2.1 billion in assets and $1.8 billion in deposits at
Highlights
Evans Bancorp's equity has increased by 23% YoY and by 4.6% from the previous quarter
The debt has contracted by 14% YoY
The stock's price to earnings (P/E) is 53% more than its last 4 quarters average of 8.6 and 42% more than its 5-year quarterly average of 9.3
The EPS has declined by 11% year-on-year and by 3.7% since the previous quarter
Key stats
What are the main financial stats of EVBN
Market
Valuations
Earnings
Shares outstanding
5.53M
Market cap
$243.89M
Enterprise value
$287.66M
Price to earnings (P/E)
13.19
Price to book (P/B)
1.31
Price to sales (P/S)
2.97
EV/EBIT
10.8
EV/EBITDA
10.8
EV/Sales
3.51
Revenue
$82.02M
Gross profit
$82.02M
Net income
$18.4M
EBIT
$26.64M
EBITDA
$26.64M
Free cash flow
$7.12M
Per share
Balance sheet
Liquidity
EPS
$3.34
EPS diluted
$3.34
Free cash flow per share
$1.29
Book value per share
$33.63
Revenue per share
$14.84
TBVPS
$412.16
Total assets
$2.28B
Total liabilities
$2.09B
Debt
$171.85M
Equity
$185.85M
Working capital
N/A
Debt to equity
0.92
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.64
Margins
Efficiency
Dividend
EBITDA margin
32.5%
Gross margin
100%
Net margin
22.4%
Operating margin
32.5%
Return on assets
0.8%
Return on equity
10.3%
Return on invested capital
1.2%
Return on capital employed
N/A
Return on sales
32.5%
Dividend yield
3%
DPS
$1.32
Payout ratio
39.5%
EVBN stock price
How has the Evans Bancorp stock price performed over time
Intraday
2.32%
1 week
-2.39%
1 month
3.67%
1 year
42.81%
YTD
39.77%
QTD
13.09%
Financial performance
How have Evans Bancorp's revenue and profit performed over time
Revenue
$82.02M
Gross profit
$82.02M
Operating income
$26.64M
Net income
$18.4M
Gross margin
100%
Net margin
22.4%
The net income has declined by 10% year-on-year and by 3.5% since the previous quarter
The net margin has contracted by 7% YoY
The company's operating income fell by 3.7% QoQ
Evans Bancorp's operating margin has increased by 3.2% YoY
Growth
What is Evans Bancorp's growth rate over time
Valuation
What is Evans Bancorp stock price valuation
P/E
13.19
P/B
1.31
P/S
2.97
EV/EBIT
10.8
EV/EBITDA
10.8
EV/Sales
3.51
The stock's price to earnings (P/E) is 53% more than its last 4 quarters average of 8.6 and 42% more than its 5-year quarterly average of 9.3
The EPS has declined by 11% year-on-year and by 3.7% since the previous quarter
EVBN's P/B is 31% above its last 4 quarters average of 1.0 and 19% above its 5-year quarterly average of 1.1
Evans Bancorp's equity has increased by 23% YoY and by 4.6% from the previous quarter
The price to sales (P/S) is 49% higher than the last 4 quarters average of 2.0 and 41% higher than the 5-year quarterly average of 2.1
EVBN's revenue is down by 3.1% YoY and by 2.2% QoQ
Efficiency
How efficient is Evans Bancorp business performance
EVBN's return on equity is down by 21% year-on-year and by 8% since the previous quarter
The ROA has contracted by 11% from the previous quarter and by 11% YoY
The return on sales has grown by 3.2% year-on-year
Dividends
What is EVBN's dividend history
DPS
$1.32
Dividend yield
3%
Payout ratio
39.5%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Evans Bancorp financials performed over time
The total assets is 9% more than the total liabilities
The total assets has grown by 4.8% YoY
Evans Bancorp's total liabilities has increased by 3.5% YoY
The debt is 8% less than the equity
The debt to equity has contracted by 31% YoY and by 5% from the previous quarter
Evans Bancorp's equity has increased by 23% YoY and by 4.6% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.