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

What these ratings mean

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

Year	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Revenue	70.06	61.93	54.28	45.29	44.31	40.14	38.97	40.67	35.94	33.19
Revenue Growth	13.13%	14.09%	19.85%	2.22%	10.38%	3.02%	-4.19%	13.18%	8.29%	-
Gross Profit	70.06	61.93	54.28	45.29	44.31	40.14	38.97	40.67	35.94	33.19
Operating Income	22.24	18.64	15.69	10.20	11.61	8.89	9.59	11.88	8.70	7.08
Net Income	17.01	16.36	10.48	8.27	7.84	8.19	7.86	8.13	6.11	4.84
Shares Outstanding	4.90	4.81	4.74	4.28	4.24	4.19	4.19	4.14	4.10	3.61
Earnings Per Share	3.42	3.32	2.16	1.90	1.82	1.92	1.85	1.95	1.49	1.34
EPS Growth	3.01%	53.7%	13.68%	4.4%	-5.21%	3.78%	-5.13%	30.87%	11.19%	-
Dividend Per Share	0.52	0.92	0.80	0.76	0.72	0.65	0.26	0.68	0.40	0.40
Dividend Growth	-43.48%	15%	5.26%	5.56%	10.77%	150%	-61.76%	70%	0%	-
Operating Cash Flow	21.07	25.12	13.48	11.54	8.10	11.02	13.10	12.60	10.82	9.61
Capital Expenditures	-4.46	-1.11	-0.48	-1.45	-1.89	-0.58	-1.08	-2.00	-0.73	-2.77
Free Cash Flow	16.62	24.02	13.00	10.09	6.21	10.44	12.02	10.60	10.09	6.85
Cash & Equivalents	38.86	39.92	21.33	13.08	22.62	10.90	41.95	90.48	14.68	13.72
Total Debt	27.91	24.47	109	49.69	32.15	38.81	33.68	42.44	42.34	52.23
Net Cash / Debt	10.95	15.44	-87.54	-36.61	-9.53	-27.91	8.27	48.04	-27.66	-38.50
Assets	1,460	1,388	1,296	1,101	939	847	833	810	741	672
Liabilities	1,312	1,257	1,177	1,004	848	761	753	735	672	608
Book Value	148	132	118	96.75	91.26	85.79	80.71	74.83	68.99	63.06

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.