Evans Bancorp, Inc. (EVBN)

Evans Bancorp Statistics

Total Valuation

Evans Bancorp has a market cap or net worth of $213.87 million. The enterprise value is $293.09 million.

Market Cap	213.87M
Enterprise Value	293.09M

Important Dates

The next estimated earnings date is Tuesday, April 29, 2025, after market close.

Earnings Date	Apr 29, 2025
Ex-Dividend Date	Mar 13, 2025

Share Statistics

Evans Bancorp has 5.49 million shares outstanding. The number of shares has increased by 1.29% in one year.

Current Share Class	5.49M
Shares Outstanding	5.49M
Shares Change (YoY)	+1.29%
Shares Change (QoQ)	+0.37%
Owned by Insiders (%)	5.41%
Owned by Institutions (%)	50.63%
Float	4.58M

Valuation Ratios

The trailing PE ratio is 18.04 and the forward PE ratio is 14.71.

PE Ratio	18.04
Forward PE	14.71
PS Ratio	3.15
Forward PS	2.77
PB Ratio	1.17
P/TBV Ratio	1.18
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	24.52
EV / Sales	4.28
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.62%.

Return on Equity (ROE)	6.62%
Return on Assets (ROA)	0.56%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$257,180
Profits Per Employee	$44,940
Employee Count	266
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, Evans Bancorp has paid $2.31 million in taxes.

Income Tax	2.31M
Effective Tax Rate	16.22%

Stock Price Statistics

The stock price has increased by +32.25% in the last 52 weeks. The beta is 1.01, so Evans Bancorp's price volatility has been similar to the market average.

Beta (5Y)	1.01
52-Week Price Change	+32.25%
50-Day Moving Average	41.94
200-Day Moving Average	38.65
Relative Strength Index (RSI)	37.17
Average Volume (20 Days)	26,045

Short Selling Information

The latest short interest is 19,147, so 0.35% of the outstanding shares have been sold short.

Short Interest	19,147
Short Previous Month	17,662
Short % of Shares Out	0.35%
Short % of Float	0.42%
Short Ratio (days to cover)	0.63

Income Statement

In the last 12 months, Evans Bancorp had revenue of $68.41 million and earned $11.95 million in profits. Earnings per share was $2.16.

Revenue	68.41M
Gross Profit	68.41M
Operating Income	17.27M
Pretax Income	27.66M
Net Income	11.95M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.16

Balance Sheet

The company has $42.72 million in cash and $121.94 million in debt, giving a net cash position of -$79.22 million or -$14.43 per share.

Cash & Cash Equivalents	42.72M
Total Debt	121.94M
Net Cash	-79.22M
Net Cash Per Share	-$14.43
Equity (Book Value)	183.14M
Book Value Per Share	33.37
Working Capital	-126.60M

Cash Flow

In the last 12 months, operating cash flow was -$2.76 million and capital expenditures -$343,000, giving a free cash flow of -$3.10 million.

Operating Cash Flow	-2.76M
Capital Expenditures	-343,000
Free Cash Flow	-3.10M
FCF Per Share	-$0.56

Margins

Gross Margin	n/a
Operating Margin	25.25%
Pretax Margin	20.86%
Profit Margin	17.47%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.32, which amounts to a dividend yield of 3.39%.

Dividend Per Share	$1.32
Dividend Yield	3.39%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	61.11%
Buyback Yield	-1.29%
Shareholder Yield	2.10%
Earnings Yield	5.59%
FCF Yield	-1.45%

Analyst Forecast

The average price target for Evans Bancorp is $36.25, which is -6.92% lower than the current price. The consensus rating is "Hold".

Price Target	$36.25
Price Target Difference	-6.92%
Analyst Consensus	Hold
Analyst Count	2
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on November 10, 2005. It was a forward split with a ratio of 1.05:1.

Last Split Date	Nov 10, 2005
Split Type	Forward
Split Ratio	1.05:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2