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Ticker
EVBN

Price
43.42
Stock movement up
+0.96 (2.26%)
Company name
Evans Bancorp Inc
Exchange
(NYSE MKT
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
240.59M
Ent value
2.21B
Price/Sales
2.01
Price/Book
1.29
Div yield
3.04%
Div growth
7.49%
Growth years
9
FCF payout
106.20%
Trailing P/E
13.08
Forward P/E
17.65
PEG
-
EPS growth
6.22%
1 year return
46.84%
3 year return
2.38%
5 year return
1.91%
10 year return
6.50%
Last updated: 2025-02-04

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DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share1.32
Dividend yield3.04%
Payout frequencySemi-annual
Maximum yield5.64%
Average yield3.95%
Minimum yield2.82%
Discount to avg yield-29.94%
Upside potential-23.04%
Yield as % of max yield53.87%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield3.04%
Current yield distribution92.22%
Yield at 100% (Min)2.82%
Yield at 90%3.07%
Yield at 80%3.18%
Yield at 50% (Median)3.71%
Yield at 20%4.82%
Yield at 10%5.09%
Yield at 0% (Max)5.64%

Dividend per share

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Dividend per share data
Years of growth9 years
CCC statusDividend Challenger
Dividend per share1.32
Payout frequencySemi-annual
Ex-div date12 Sep 2024
EPS (TTM)3.32
EPS (1y forward)2.46
EPS growth (5y)6.22%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
EVBNS&P500
DGR MR3.13%12.57%
DGR TTM-6.51%
DGR 3 years4.40%5.24%
DGR 5 years7.49%5.40%
DGR 10 years17.64%7.07%
DGR 15 years3.57%6.12%
Time since last change announced714 days
EPS growth (5y)6.22%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM39.46%106.20%
Average33.23%29.64%
Forward53.66%-

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E13.08
Price to OCF33.54
Price to FCF35.20
Price to EBITDA27.70
EV to EBITDA254.02

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales2.01
Price to Book1.29
EV to Sales18.44

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FINANCIALS

Per share

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Per share data
Current share count5.54M
EPS (TTM)3.32
FCF per share (TTM)1.23

Income statement

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Income statement data
Revenue (TTM)119.65M
Gross profit (TTM)133.30M
Operating income (TTM)28.29M
Net income (TTM)18.40M
EPS (TTM)3.32
EPS (1y forward)2.46

Margins

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Margins data
Gross margin (TTM)111.41%
Operating margin (TTM)23.65%
Profit margin (TTM)15.38%

Balance Sheet

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Balance Sheet data
Cash128.08M
Net receivables0.00
Total current assets128.08M
Goodwill1.77M
Intangible assets82.00K
Property, plant and equipment32.28M
Total assets2.28B
Accounts payable0.00
Short/Current long term debt163.57M
Total current liabilities4.31M
Total liabilities2.09B
Shareholder's equity185.85M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)7.17M
Capital expenditures (TTM)337.00K
Free cash flow (TTM)6.84M
Dividends paid (TTM)7.26M

Financial returns

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Financial returns data
Return on Equity9.90%
Return on Assets0.81%
Return on Invested Capital5.21%
Cash Return on Invested Capital1.93%

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

STOCK INFORMATION

Stock chart

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Stock price data
Open42.60
Daily high43.42
Daily low42.46
Daily Volume36K
All-time high48.90
1y analyst estimate50.05
Beta0.95
EPS (TTM)3.32
Dividend per share1.32
Ex-div date12 Sep 2024
Next earnings date28 Apr 2025

Downside potential

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Downside potential data
EVBNS&P500
Current price drop from All-time high-11.21%-1.31%
Highest price drop-59.21%-56.47%
Date of highest drop9 Mar 20099 Mar 2009
Avg drop from high-25.72%-11.10%
Avg time to new high69 days12 days
Max time to new high2186 days1805 days

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

COMPANY DETAILS
EVBN (Evans Bancorp Inc) company logo
Marketcap
240.59M
Marketcap category
Small-cap
Description
Evans Bancorp, Inc. primarily operates as financial holding company for Evans Bank, N.A. that provides a range of banking products and services to consumer and commercial customers in the United States. 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 and 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, includes direct automobile, recreational vehicle, boat, home improvement, and personal loans; other loans consist of cash reserves, overdrafts, and loan clearing accounts; and installment loans. In addition, the company offers non-deposit investment products, such as annuities and mutual funds. Evans Bancorp, Inc. was founded in 1920 and is headquartered in Williamsville, New York.
Employees
300
Investor relations
SEC filings
CEO
Country
USA
City
Stock type
Common stock
CCC status
Dividend Challenger
Dividend Frequency
Semi-annual
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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