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Evans Bancorp, Inc. (EVBN)

Stock Price: $22.24 USD 0.19 (0.86%)
Updated Aug 3, 2020 4:00 PM EDT - Market closed

Stock Price Chart

Key Info

Market Cap 119.55M
Revenue (ttm) 65.84M
Net Income (ttm) 13.50M
Shares Out 5.38M
EPS (ttm) 1.90
PE Ratio 11.71
Forward PE n/a
Dividend $1.16
Dividend Yield 5.22%

Stock Quote

Trading Day Aug 3, 2020
Last Price $22.24
Previous Close $22.05
Change ($) 0.19
Change (%) 0.86%
Day's Open 22.21
Day's Range 22.10 - 22.99
Day's Volume 9,209
52-Week Range 20.50 - 41.75

More Stats

Market Cap 119.55M
Enterprise Value 95.49M
Earnings Date (est) Oct 22, 2020
Ex-Dividend Date Mar 11, 2020
Shares Outstanding 5.38M
Float 4.27M
EPS (basic) 2.74
EPS (diluted) 1.90
FCF / Share 3.90
Dividend $1.16
Dividend Yield 5.22%
Earnings Yield 8.54%
FCF Yield 16.09%
Payout Ratio 40.10%
Shares Short 32,364
Short Ratio 2.23
Short % of Float 0.63%
Beta 1.10
PE Ratio 11.71
Forward PE n/a
P/FCF Ratio 6.22
PS Ratio 1.82
PB Ratio 0.82
Revenue 65.84M
Operating Income 17.55M
Net Income 13.50M
Free Cash Flow 19.24M
Net Cash 24.06M
Net Cash / Share 4.48
Gross Margin 106.24%
Operating Margin 26.65%
Profit Margin 20.10%
FCF Margin 29.22%
ROA 0.54%
ROE 6.32%
ROIC 1.20%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Summary

Analyst Ratings (2)

Buy 2
Overweight 0
Hold 0
Underweight 0
Sell 0

Analyst Consensus: Buy

Price Target

$31.00*
(39.39% upside)
Low
28.0
Current: $22.24
High
34.0
Target: 31.00
*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 Share1.040.920.800.760.720.650.260.680.400.40
Dividend Growth13.04%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, Inc. 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.