EVBN Evans Bancorp Inc
Price (delayed)
$38.67
Market cap
$215.29M
P/E Ratio
17.9
Dividend/share
$1.32
EPS
$2.16
Enterprise value
$294.51M
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 debt has contracted by 36% YoY and by 29% from the previous quarter
Evans Bancorp's equity has increased by 2.8% YoY
The stock's price to earnings (P/E) is 83% more than its 5-year quarterly average of 9.8 and 50% more than its last 4 quarters average of 11.9
The EPS has dropped by 52% year-on-year and by 35% since the previous quarter
Key stats
What are the main financial stats of EVBN
Market
Valuations
Earnings
Shares outstanding
5.57M
Market cap
$215.29M
Enterprise value
$294.51M
Price to earnings (P/E)
17.9
Price to book (P/B)
1.17
Price to sales (P/S)
3.16
EV/EBIT
20.64
EV/EBITDA
20.64
EV/Sales
4.35
Revenue
$67.69M
Gross profit
$67.69M
Operating income
$14.27M
Net income
$11.95M
EBIT
$14.27M
EBITDA
$14.27M
Free cash flow
-$3.1M
Per share
Balance sheet
Liquidity
EPS
$2.16
EPS diluted
$2.16
Free cash flow per share
-$0.56
Book value per share
$33.09
Revenue per share
$12.25
TBVPS
$395.41
Total assets
$2.19B
Total liabilities
$2B
Debt
$121.94M
Equity
$183.14M
Working capital
N/A
Debt to equity
0.67
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
5.55
Margins
Efficiency
Dividend
EBITDA margin
21.1%
Gross margin
100%
Net margin
17.7%
Operating margin
21.1%
Return on assets
0.5%
Return on equity
6.6%
Return on invested capital
0.6%
Return on capital employed
N/A
Return on sales
21.1%
Dividend yield
3.41%
DPS
$1.32
Payout ratio
61.1%
EVBN stock price
How has the Evans Bancorp stock price performed over time
Intraday
-0.77%
1 week
-2.57%
1 month
-10.92%
1 year
31.75%
YTD
-10.69%
QTD
-0.77%
Financial performance
How have Evans Bancorp's revenue and profit performed over time
Revenue
$67.69M
Gross profit
$67.69M
Operating income
$14.27M
Net income
$11.95M
Gross margin
100%
Net margin
17.7%
The company's operating income has shrunk by 59% YoY and by 46% QoQ
The net income has dropped by 51% year-on-year and by 35% since the previous quarter
Evans Bancorp's operating margin has decreased by 43% YoY and by 35% from the previous quarter
The net margin has contracted by 32% YoY and by 21% from the previous quarter
Growth
What is Evans Bancorp's growth rate over time
Valuation
What is Evans Bancorp stock price valuation
P/E
17.9
P/B
1.17
P/S
3.16
EV/EBIT
20.64
EV/EBITDA
20.64
EV/Sales
4.35
The stock's price to earnings (P/E) is 83% more than its 5-year quarterly average of 9.8 and 50% more than its last 4 quarters average of 11.9
The EPS has dropped by 52% year-on-year and by 35% since the previous quarter
EVBN's P/B is 6% above its 5-year quarterly average of 1.1 and 6% above its last 4 quarters average of 1.1
Evans Bancorp's equity has increased by 2.8% YoY
The price to sales (P/S) is 50% higher than the 5-year quarterly average of 2.1 and 26% higher than the last 4 quarters average of 2.5
EVBN's revenue is down by 28% YoY and by 17% QoQ
Efficiency
How efficient is Evans Bancorp business performance
EVBN's return on invested capital has dropped by 60% year-on-year and by 50% since the previous quarter
EVBN's return on equity has dropped by 57% year-on-year and by 36% since the previous quarter
The ROA has plunged by 55% YoY and by 38% from the previous quarter
The return on sales has declined by 43% year-on-year and by 35% since the previous quarter
Dividends
What is EVBN's dividend history
DPS
$1.32
Dividend yield
3.41%
Payout ratio
61.1%
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 contracted by 4.1% from the previous quarter but it has grown by 3.7% YoY
Evans Bancorp's total liabilities has decreased by 4.3% from the previous quarter but it has increased by 3.8% YoY
The debt is 33% less than the equity
The debt to equity has contracted by 37% YoY and by 27% from the previous quarter
The debt has contracted by 36% YoY and by 29% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.