EVBN Evans Bancorp Inc

  1. Stocks
  2. Financial Services
  3. NYSEAMERICAN: EVBN

Price (delayed)

$25.97

Market cap

$143.06M

P/E Ratio

5.78

Dividend/share

$1.32

EPS

$4.49

Enterprise value

$309.43M

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
The stock's price to earnings (P/E) is 39% less than its 5-year quarterly average of 9.5 and 18% less than its last 4 quarters average of 7.0
The debt has contracted by 20% YoY and by 5% from the previous quarter
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.evansbank.com
Peers: MTB CBU NBTB TMP

Key stats

What are the main financial stats of EVBN
Market
Shares outstanding
5.51M
Market cap
$143.06M
Enterprise value
$309.43M
Valuations
Price to earnings (P/E)
5.78
Price to book (P/B)
0.8
Price to sales (P/S)
1.51
EV/EBIT
8.91
EV/EBITDA
8.91
EV/Sales
3.29
Earnings
Revenue
$94.11M
EBIT
$34.73M
EBITDA
$34.73M
Free cash flow
$15.55M
Per share
EPS
$4.49
Free cash flow per share
$2.85
Book value per share
$32.5
Revenue per share
$17.25
TBVPS
$386.13
Balance sheet
Total assets
$2.11B
Total liabilities
$1.93B
Debt
$189.84M
Equity
$178.22M
Working capital
N/A
Liquidity
Debt to equity
1.07
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
4.79
Margins
EBITDA margin
36.9%
Gross margin
100%
Net margin
26.1%
Operating margin
36.9%
Efficiency
Return on assets
1.1%
Return on equity
15.2%
Return on invested capital
1.5%
Return on capital employed
N/A
Return on sales
36.9%
Dividend
Dividend yield
5.08%
DPS
$1.32
Payout ratio
29.4%

EVBN stock price

How has the Evans Bancorp stock price performed over time
Intraday
0.27%
1 week
-3.96%
1 month
-9.61%
1 year
-19.35%
YTD
-17.63%
QTD
-13.03%

Financial performance

How have Evans Bancorp's revenue and profit performed over time
Revenue
$94.11M
Gross profit
$94.11M
Operating income
$34.73M
Net income
$24.52M
Gross margin
100%
Net margin
26.1%
The company's operating income rose by 30% QoQ and by 18% YoY
The net income has increased by 20% since the previous quarter and by 10% year-on-year
Evans Bancorp's operating margin has increased by 17% from the previous quarter and by 12% YoY
The gross profit rose by 11% QoQ and by 5% YoY

Growth

What is Evans Bancorp's growth rate over time

Valuation

What is Evans Bancorp stock price valuation
P/E
5.78
P/B
0.8
P/S
1.51
EV/EBIT
8.91
EV/EBITDA
8.91
EV/Sales
3.29
The stock's price to earnings (P/E) is 39% less than its 5-year quarterly average of 9.5 and 18% less than its last 4 quarters average of 7.0
The EPS has grown by 20% since the previous quarter and by 10% year-on-year
EVBN's P/B is 27% below its 5-year quarterly average of 1.1 and 20% below its last 4 quarters average of 1.0
Evans Bancorp's equity has increased by 18% from the previous quarter and by 16% YoY
The price to sales (P/S) is 29% lower than the 5-year quarterly average of 2.1 and 17% lower than the last 4 quarters average of 1.8
EVBN's revenue is up by 11% QoQ and by 5% YoY

Efficiency

How efficient is Evans Bancorp business performance
EVBN's return on invested capital is up by 25% since the previous quarter and by 15% year-on-year
The ROA has grown by 22% from the previous quarter and by 10% YoY
The return on sales has grown by 17% since the previous quarter and by 12% year-on-year
EVBN's return on equity is up by 16% since the previous quarter and by 8% year-on-year

Dividends

What is EVBN's dividend history
Dividend details
DPS
$1.32
Dividend yield
5.08%
Payout ratio
29.4%
Recent dividends

Financial health

How did Evans Bancorp financials performed over time
The total assets is 9% more than the total liabilities
Evans Bancorp's total liabilities has decreased by 4.6% YoY and by 4.6% from the previous quarter
The total assets has contracted by 3.2% YoY and by 3% from the previous quarter
The debt is 7% more than the equity
The debt to equity has contracted by 30% YoY and by 20% from the previous quarter
The debt has contracted by 20% YoY and by 5% from the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.