Evans Bancorp, Inc. (EVBN)

Evans Bancorp Statistics

Total Valuation

Market Cap	n/a
Enterprise Value	n/a

Important Dates

The last earnings date was Tuesday, May 13, 2025, after market close.

Earnings Date	May 13, 2025
Ex-Dividend Date	n/a

Share Statistics

Current Share Class	n/a
Shares Outstanding	n/a
Shares Change (YoY)	+1.29%
Shares Change (QoQ)	+0.37%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	n/a

Valuation Ratios

PE Ratio	n/a
Forward PE	n/a
PS Ratio	n/a
Forward PS	2.81
PB Ratio	n/a
P/TBV Ratio	n/a
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
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	-39.33
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 +54.72% in the last 52 weeks. The beta is 0.75, so Evans Bancorp's price volatility has been lower than the market average.

Beta (5Y)	0.75
52-Week Price Change	+54.72%
50-Day Moving Average	38.79
200-Day Moving Average	39.75
Relative Strength Index (RSI)	61.06
Average Volume (20 Days)	16,551

Short Selling Information

The latest short interest is 15,253, so 0.28% of the outstanding shares have been sold short.

Short Interest	15,253
Short Previous Month	19,147
Short % of Shares Out	0.28%
Short % of Float	0.31%
Short Ratio (days to cover)	0.92

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	14.27M
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.

Cash & Cash Equivalents	42.72M
Total Debt	121.94M
Net Cash	-79.22M
Net Cash Per Share	n/a
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	n/a

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

Evans Bancorp does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	60.97%
Buyback Yield	-1.29%
Shareholder Yield	-1.29%
Earnings Yield	n/a
FCF Yield	n/a

Analyst Forecast

The average price target for Evans Bancorp is $45.50, which is 15.10% higher than the current price. The consensus rating is "Hold".

Price Target	$45.50
Price Target Difference	15.10%
Analyst Consensus	Hold
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

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