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Evans Bancorp, Inc. (EVBN)

Stock Price: $23.45 USD 0.51 (2.22%)
Updated Oct 29, 2020 4:00 PM EDT - Market closed

Stock Price Chart

Key Info

Market Cap 126.09M
Revenue (ttm) 67.81M
Net Income (ttm) 9.59M
Shares Out 5.38M
EPS (ttm) 1.89
PE Ratio 12.41
Forward PE n/a
Dividend $1.16
Dividend Yield 4.95%

Stock Quote

Trading Day Oct 29, 2020
Last Price $23.45
Previous Close $22.94
Change ($) 0.51
Change (%) 2.22%
Day's Open 22.75
Day's Range 22.81 - 24.22
Day's Volume 16,153
52-Week Range 20.50 - 41.75

More Stats

Market Cap 126.09M
Enterprise Value 78.85M
Earnings Date (est) Feb 4, 2021
Ex-Dividend Date Sep 14, 2020
Shares Outstanding 5.38M
Float 5.13M
EPS (basic) 1.93
EPS (diluted) 1.89
FCF / Share 1.17
Dividend $1.16
Dividend Yield 4.95%
Earnings Yield 8.06%
FCF Yield 4.86%
Payout Ratio 57.00%
Shares Short 27,747
Short Ratio 2.48
Short % of Float 0.54%
Beta 1.09
PE Ratio 12.41
Forward PE n/a
P/FCF Ratio 20.59
PS Ratio 1.86
PB Ratio 0.78
Revenue 67.81M
Operating Income 12.48M
Net Income 9.59M
Free Cash Flow 6.12M
Net Cash 47.24M
Net Cash / Share 8.79
Gross Margin 106.24%
Operating Margin 18.41%
Profit Margin 14.10%
FCF Margin 9.03%
ROA 0.54%
ROE 6.32%
ROIC 0.80%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Forecasts

Analyst Ratings (2)

Buy 2
Overweight 0
Hold 0
Underweight 0
Sell 0

Analyst Consensus: Buy

Price Target

$30.00*
(27.93% upside)
Low
28.0
Current: $23.45
High
32.0
Target: 30.00
*Average 12-month price target from 2 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year2019201820172016201520142013201220112010
Revenue70.0661.9354.2845.2944.3140.1438.9740.6735.9433.19
Revenue Growth13.13%14.09%19.85%2.22%10.38%3.02%-4.19%13.18%8.29%-
Gross Profit70.0661.9354.2845.2944.3140.1438.9740.6735.9433.19
Operating Income22.2418.6415.6910.2011.618.899.5911.888.707.08
Net Income17.0116.3610.488.277.848.197.868.136.114.84
Shares Outstanding4.904.814.744.284.244.194.194.144.103.61
Earnings Per Share3.423.322.161.901.821.921.851.951.491.34
EPS Growth3.01%53.7%13.68%4.4%-5.21%3.78%-5.13%30.87%11.19%-
Dividend Per Share0.520.920.800.760.720.650.260.680.400.40
Dividend Growth-43.48%15%5.26%5.56%10.77%150%-61.76%70%0%-
Operating Cash Flow21.0725.1213.4811.548.1011.0213.1012.6010.829.61
Capital Expenditures-4.46-1.11-0.48-1.45-1.89-0.58-1.08-2.00-0.73-2.77
Free Cash Flow16.6224.0213.0010.096.2110.4412.0210.6010.096.85
Cash & Equivalents38.8639.9221.3313.0822.6210.9041.9590.4814.6813.72
Total Debt27.9124.4710949.6932.1538.8133.6842.4442.3452.23
Net Cash / Debt10.9515.44-87.54-36.61-9.53-27.918.2748.04-27.66-38.50
Assets1,4601,3881,2961,101939847833810741672
Liabilities1,3121,2571,1771,004848761753735672608
Book Value14813211896.7591.2685.7980.7174.8368.9963.06
Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name Evans Bancorp, Inc.
Country United States
Employees 315
CEO David John Nasca

Stock Information

Ticker Symbol EVBN
Stock Exchange NYSE American
Sector Financial Services
Industry Banks—Regional
Unique Identifier NYSEAMERICAN: EVBN

Description

Evans Bancorp operates as the financial holding company for Evans Bank, N.A. that provides a range of banking products and services to consumer and commercial customers in Western New York. It operates in two segments, Banking Activities and Insurance Agency Activities. The company offers deposit products, which include checking and negotiable order of withdrawal accounts, savings accounts, and certificates of deposit. It also provides residential mortgages; commercial and multi-family mortgages; commercial construction loans; home equities, such as home equity lines of credit and second mortgage loans; commercial and industrial loans comprising term loans and lines of credit; consumer loans, including direct automobile, recreational vehicle, boat, home improvement, and personal loans; other loans consisting of cash reserves, overdrafts, and loan clearing accounts; and installment loans. In addition, the company sells various premium-based insurance policies consisting of business and personal insurance, employee benefits, surety bonds, risk management, life, disability, and long-term care coverage, as well as provides claims adjusting services to various insurance companies; and non-deposit investment products, such as annuities and mutual funds. It operates through 15 full-service banking offices in Erie County, Niagara County, and Chautauqua County, New York. Evans Bancorp, Inc. was founded in 1920 and is headquartered in Hamburg, New York.