Stock EVBN EVANS BANCORP, INC.
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Financials Evans Bancorp, Inc.

Equities

EVBN

US29911Q2084

Banks

Market Closed - Nyse
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
26.07 USD +0.15% Intraday chart for Evans Bancorp, Inc. -0.46% -17.32%
Mar. 04 Tranche Update on Evans Bancorp, Inc.'s Equity Buyback Plan announced on February 25, 2021. CI
Feb. 20 Evans Bancorp, Inc. Announces Semi-Annual Cash Dividend, Payable on April 9, 2024 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 195.8 147.2 218.6 204.6 171.3 142.1 -
Enterprise Value (EV) 1 195.8 147.2 218.6 204.6 171.3 142.1 142.1
P/E ratio 11.1 x 12.9 x 9.22 x 9.25 x 7.04 x 15.1 x 11.1 x
Yield 2.59% 4.21% 2.98% 3.37% 4.19% 5.06% 5.06%
Capitalization / Revenue 2.82 x 1.89 x 2.39 x 2.22 x 1.82 x 2.14 x 1.94 x
EV / Revenue 2.82 x 1.89 x 2.39 x 2.22 x 1.82 x 2.14 x 1.94 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.32 x 0.88 x 1.2 x 1.32 x 0.97 x 0.78 x 0.75 x
Nbr of stocks (in thousands) 4,882 5,344 5,424 5,473 5,433 5,451 -
Reference price 2 40.10 27.54 40.30 37.39 31.53 26.07 26.07
Announcement Date 1/30/20 2/4/21 2/3/22 2/2/23 2/1/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 69.41 78.02 91.63 92.23 94.13 66.32 73.25
EBITDA - - - - - - -
EBIT 21.59 24.07 30.42 - - - -
Operating Margin 31.1% 30.85% 33.2% - - - -
Earnings before Tax (EBT) 1 21.51 12.81 31.93 29.55 34.73 12.03 16.39
Net income 1 17.88 11.25 24.04 22.39 24.52 9.43 12.84
Net margin 25.77% 14.41% 26.24% 24.28% 26.05% 14.22% 17.53%
EPS 2 3.600 2.130 4.370 4.040 4.480 1.723 2.353
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 1.040 1.160 1.200 1.260 1.320 1.320 1.320
Announcement Date 1/30/20 2/4/21 2/3/22 2/2/23 2/1/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 23.32 24.38 20.93 22.66 24.96 23.68 21.44 20.38 19.81 32.5 16.06 16.31 16.78 17.17 17.37
EBITDA - - - - - - - - - - - - - - -
EBIT 7.927 8.105 6.472 7.88 9.164 - - - - - - - - - -
Operating Margin 33.99% 33.24% 30.92% 34.77% 36.72% - - - - - - - - - -
Earnings before Tax (EBT) 1 9.386 7.703 6.251 7.613 7.836 7.852 7.59 6.326 4.899 15.92 2.863 2.715 3.07 3.408 3.597
Net income 1 6.979 5.899 4.748 5.734 5.864 6.043 5.8 4.932 3.618 10.17 2.227 2.124 2.391 2.651 2.8
Net margin 29.93% 24.2% 22.68% 25.3% 23.5% 25.52% 27.05% 24.2% 18.26% 31.31% 13.86% 13.02% 14.25% 15.44% 16.12%
EPS 2 1.270 1.060 0.8600 1.030 1.060 1.100 1.060 0.9000 0.6600 1.850 0.4067 0.3867 0.4400 0.4867 0.5133
Dividend per Share 2 0.6000 - 0.6200 - 0.6400 - 0.6600 - 0.6600 - 0.6600 - 0.6600 - 0.6600
Announcement Date 10/28/21 2/3/22 4/27/22 7/27/22 10/26/22 2/2/23 4/27/23 7/27/23 10/26/23 2/1/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 12.7% 7.06% 13.7% 13.5% 15.5% 5.25% 6.92%
ROA (Net income/ Total Assets) 1.23% 0.6% 1.12% 1.02% 1.14% 0.43% 0.57%
Assets 1 1,454 1,874 2,147 2,195 2,151 2,193 2,266
Book Value Per Share 2 30.30 31.20 33.50 28.30 32.40 33.30 34.90
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/30/20 2/4/21 2/3/22 2/2/23 2/1/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Evans Bancorp, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
3
Last Close Price
26.07 USD
Average target price
29.67 USD
Spread / Average Target
+13.80%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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