EVBN

Evans Bancorp, Inc. [EVBN] Stock Forecast

Q: What is Evans Bancorp, Inc. stock symbol ?

Evans Bancorp, Inc. is a US stock, located in Williamsville of Ny and trading under the symbol EVBN

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EVBN Stock Summary

Earnings have grown 40.71% per last year.

Earnings are expected to fall -43.56% next year

Unstable dividend track record

EVBN has less than 1 year of cash runway

An RSI reading of 30 or below indicates an oversold or undervalued condition.

Debt-to-Equity ratio of 1.05 is considered moderate, deeper research suggested.

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In the News

08:01 16 Apr 2024 EVBN

Evans Bancorp, Inc. (EVBN) Q4 2023 Earnings Call Transcript

12:46 16 Apr 2024 EVBN

Evans Bancorp (EVBN) to Sell Insurance Operations of Subsidiary

Evans Bancorp (EVBN) agrees to divest the insurance operations of Evans Agency to Arthur J. Gallagher (AJG) for $40 million.

09:20 16 Apr 2024 EVBN

Evans Bancorp, Inc. (EVBN) Q3 2023 Earnings Call Transcript

Evans Bancorp, Inc. (NYSE:EVBN ) Q3 2023 Earnings Conference Call October 26, 2023 4:45 PM ET Corporate Participants Deborah Pawlowski - Investor Relations David Nasca - President and Chief Executive Officer John Connerton - Chief Financial Officer Conference Call Participants Nick Cucharale - Hovde Group Alex Twerdahl - Piper Sandler Chris O'Connell - KBW Operator Greetings. And welcome to the Evans Bancorp's Third Quarter Fiscal Year 2023 Financial Results.

07:36 16 Apr 2024 EVBN

Evans Bancorp (EVBN) Misses Q3 Earnings and Revenue Estimates

Evans Bancorp (EVBN) came out with quarterly earnings of $0.66 per share, missing the Zacks Consensus Estimate of $0.72 per share. This compares to earnings of $1.06 per share a year ago.

11:18 16 Apr 2024 EVBN

Dividend Champion, Contender, And Challenger Highlights: Week Of October 15

A weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers. Companies which changed their dividends. Companies with upcoming ex-dividend dates.

04:15 16 Apr 2024 EVBN

Evans Bancorp Announces Third Quarter 2023 Conference Call and Webcast

WILLIAMSVILLE, N.Y.--(BUSINESS WIRE)--Evans Bancorp (NYSE American: EVBN) Announces Third Quarter 2023 Conference Call and Webcast.

12:26 16 Apr 2024 EVBN

Evans Bancorp, Inc. (EVBN) Q2 2023 Earnings Call Transcript

Evans Bancorp, Inc. (NYSE:EVBN ) Q2 2023 Results Earnings Conference Call July 27, 2023 4:45 PM ET Company Participants Craig Mychajluk - Investor Relations, Kei Advisors LLC David Nasca - President and Chief Executive Officer John Connerton - Chief Financial Officer and Treasurer Conference Call Participants Nick Cucharale - Hovde Group Alexander Twerdahl - Piper Sandler & Co. Christopher O'Connell, Jr. - Keefe, Bruyette & Woods Operator Greetings. And welcome to the Evans Bancorp's Second Quarter 2023 Financial Results.

04:15 16 Apr 2024 EVBN

Evans Bancorp Announces Second Quarter 2023 Conference Call and Webcast

WILLIAMSVILLE, N.Y.--(BUSINESS WIRE)--Evans Bancorp, Inc. (NYSE American: EVBN) Announces Second Quarter 2023 Conference Call and Webcast.

07:55 16 Apr 2024 EVBN

Top 5 Financial Stocks You'll Regret Missing This Quarter - ChoiceOne Finl Servs (NASDAQ:COFS), Evans Bancorp (AMEX:EVBN)

The most oversold stocks in the financial sector presents an opportunity to buy into undervalued companies.

09:21 16 Apr 2024 EVBN

Evans Bancorp, Inc. (EVBN) Q1 2023 Earnings Call Transcript

Evans Bancorp, Inc. (NYSE:EVBN ) Q1 2023 Results Conference Call April 27, 2023 4:45 PM ET Company Participants Deborah Pawlowski - Investor Relations David Nasca - President & Chief Executive Officer John Connerton - Chief Financial Officer Conference Call Participants Alex Twerdahl - Piper Sandler Chris O'Connell - KBW Operator Greetings. Welcome to the Evans Bancorp's First Quarter 2023 Financial Results.

EVBN Financial details

Company Rating

Strong Buy

Market Cap

148.95M

Income

24.52M

Revenue

105.39M

Book val./share

32.4

Cash/share

54.39

Dividend

1.32

Dividend %

4.37%

Employees

300

Optionable

Shortable

Yes

Earnings

25 Apr 2024

P/E

8.12

Forward P/E

11.23

PEG

8.06

P/S

1.94

P/B

1.1

P/C

0.49

P/FCF

11.35

Quick Ratio

78.59

Current Ratio

4.1

Debt / Equity

1.05

LT Debt / Equity

0.18

EPS (TTM)

4.48

EPS next Y

2.35

EPS next Q

EPS this Y

10.32%

EPS next Y

-47.47%

EPS next 5Y

-47.47%

EPS last 5Y

5.29%

Revenue last 5Y

13.13%

Revenue Q/Q

120.86%

EPS Q/Q

180.3%

SMA20

-3.92%

SMA50

-6.87%

SMA100

2.47%

Inst Own

53.97%

Inst Trans

0.87%

ROA

ROE

13%

ROC

0.02%

Gross Margin

100%

Oper. Margin

42%

Profit Margin

24%

Payout

17%

Shs Outstand

Shs Float

Target Price

52W Range

23.2-33.58

52W High

-20.03%

52W Low

+14.74%

RSI

26.52

Rel Volume

2.24

Avg Volume

15.84K

Volume

35.43K

Perf Week

-8.43%

Perf Month

-11.2%

Perf Quarter

-2.84%

Perf Half Y

-4.42%

Beta

0.919

Volatility

0.87%, 0.77%

Prev Close

-2.4%

Price

26.39

Change

-5.78%

EVBN Financial Performance

Yearly Fundamentals Overview

Last date of statement is 2023-12-31

Metric	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	14.3	14.55	16.82	16.78	23.78
Net income per share	3.47	2.15	4.41	4.07	4.49
Operating cash flow per share	4.3	1.49	3.77	4.81	2.84
Free cash flow per share	3.36	0.38	3.58	4.62	2.75
Cash per share	34.05	47.07	99.3	67.44	54.83
Book value per share	30.49	32.28	33.76	28.02	32.66
Tangible book value per share	27.81	29.25	390.73	25.49	32.32
Share holders equity per share	30.49	32.28	33.76	28.02	32.66
Interest debt per share	9.14	18.04	14.31	44.13	35.87
Market cap	196.4M	144.11M	219.52M	205.46M	172.04M
Enterprise value	185.45M	139.87M	52.55M	430.42M	338.41M
P/E ratio	11.54	12.81	9.13	9.18	7.01
Price to sales ratio	2.8	1.89	2.4	2.23	1.33
POCF ratio	9.32	18.51	10.7	7.78	11.09
PFCF ratio	11.95	73.34	11.27	8.09	11.47
P/B Ratio	1.32	0.85	1.19	1.33	0.97
PTB ratio	1.32	0.85	1.19	1.33	0.97
EV to sales	2.65	1.84	0.57	4.67	2.61
Enterprise value over EBITDA	7.63	10.48	1.62	11.41	922.09
EV to operating cash flow	8.8	17.96	2.56	16.3	21.81
EV to free cash flow	11.29	71.18	2.7	16.95	22.56
Earnings yield	0.09	0.08	0.11	0.11	0.14
Free cash flow yield	0.08	0.01	0.09	0.12	0.09
Debt to equity	0.21	0.51	0.4	1.53	1.05
Debt to assets	0.02	0.04	0.03	0.11	0.09
Net debt to EBITDA	-0.45	-0.32	-5.14	5.96	453.33
Current ratio	29.8	39.53	103.82	82.02	0.03
Interest coverage	1.75	1.42	6.66	5.72	-0.13
Income quality	1.24	0.69	0.85	1.18	0.63
Dividend Yield	0.03	0.04	0.03	0.03	0.04
Payout ratio	0.3	0.53	0.27	0.31	0.29
Sales general and administrative to revenue	0.49	0.52	0.49	0.49	0.3
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0.01	0.01	0.01	0.01	0
Capex to operating cash flow	-0.22	-0.75	-0.05	-0.04	-0.03
Capex to revenue	-0.07	-0.08	-0.01	-0.01	0
Capex to depreciation	-2.26	-4.83	-0.82	-0.61	-0.33
Stock based compensation to revenue	0.01	0.01	0.01	0.01	0.01
Graham number	48.82	39.51	57.9	50.69	57.47
ROIC	0.09	0.04	0.09	0.07	0
Return on tangible assets	0.01	0.01	0.01	0.01	0.01
Graham Net	-237.6	-320.09	86.82	-300.99	-299.38
Working capital	169.58M	253.47M	535.68M	382.66M	-867.57M
Tangible asset value	136.78M	153.95M	2.13B	140.06M	176.36M
Net current asset value	-1.14B	-1.62B	472.92M	-1.64B	-1.91B
Invested capital	0.21	0.51	0.4	1.53	1.05
Average receivables	9.07M	11.22M	6.87M	0	0
Average payables	5.88M	6.23M	3.29M	0	0
Average inventory	-24.46M	-80.86M	-56.4M	0	0
Days sales outstanding	45.28	65.88	0	0	0
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	8.06	5.54	0	0	0
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.11	0.07	0.13	0.15	0.14
Capex per share	-0.95	-1.11	-0.19	-0.18	-0.09

Quarterly Fundamentals Overview

Last date of statement is 2023-12-31 for Q4

Metric	2022-12-31	2023-03-31	2023-06-30	2023-09-30	2023-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	4.31	3.94	3.73	3.61	7.96
Net income per share	1.1	1.07	0.9	0.66	1.85
Operating cash flow per share	1.69	0.06	1.07	0.62	1.11
Free cash flow per share	1.63	-0.01	1.05	0.61	1.12
Cash per share	67.46	67.92	66.19	62.38	54.39
Book value per share	28.03	29.07	29.17	27.54	32.4
Tangible book value per share	25.5	26.53	356.73	25.05	32.07
Share holders equity per share	28.03	29.07	29.17	27.54	32.4
Interest debt per share	43.53	24.04	37.24	35.9	34.42
Market cap	205.41M	182.77M	136.31M	146.91M	173.41M
Enterprise value	430.37M	298.94M	316.68M	321.84M	339.78M
P/E ratio	8.5	7.88	6.91	10.15	4.26
Price to sales ratio	8.68	8.53	6.69	7.41	3.96
POCF ratio	22.12	587.67	23.39	42.95	28.36
PFCF ratio	23	-3.45K	23.86	44.2	28.1
P/B Ratio	1.33	1.15	0.85	0.97	0.97
PTB ratio	1.33	1.15	0.85	0.97	0.97
EV to sales	18.18	13.94	15.54	16.24	7.77
Enterprise value over EBITDA	37.77	21.77	49.28	64.38	5.07K
EV to operating cash flow	46.35	961.21	54.33	94.11	55.57
EV to free cash flow	48.18	-5.64K	55.42	96.82	55.05
Earnings yield	0.03	0.03	0.04	0.02	0.06
Free cash flow yield	0.04	0	0.04	0.02	0.04
Debt to equity	1.53	0.79	1.22	1.24	1.05
Debt to assets	0.11	0.06	0.09	0.09	0.09
Net debt to EBITDA	19.74	8.46	28.07	34.99	2.48K
Current ratio	82.02	2.53	2.24	4.1	0.03
Interest coverage	3.57	2.26	0.76	0.49	0
Income quality	1.54	0.05	1.18	0.95	0.6
Dividend Yield	0.02	0	0.03	0	0.02
Payout ratio	0.58	0	0.73	0	0.36
Sales general and administrative to revenue	0.47	0.52	0.52	0.46	0.24
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0.01	0.01	0.01	0.01	0
Capex to operating cash flow	-0.04	-1.17	-0.02	-0.03	0.01
Capex to revenue	-0.01	-0.02	-0.01	0	0
Capex to depreciation	-0.94	-0.94	-0.24	-0.28	0.17
Stock based compensation to revenue	0.01	0.01	0.01	-0.07	-0.02
Graham number	26.34	26.4	24.33	20.22	36.73
ROIC	0.02	0.04	0.01	0.01	0
Return on tangible assets	0	0	0	0	0
Graham Net	-301.06	-297.6	31.32	-306.82	-297.01
Working capital	382.66M	7.42M	5.73M	13.48M	-867.57M
Tangible asset value	140.06M	144.42M	1.95B	137.31M	176.36M
Net current asset value	-1.64B	-1.98B	-180.36M	-2.01B	-1.91B
Invested capital	1.53	0.79	1.22	1.24	1.05
Average receivables	0	0	0	0	0
Average payables	0	0	0	0	0
Average inventory	0	0	0	0	0
Days sales outstanding	0	0	0	0	0
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	0	0	0	0	0
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.04	0.04	0.03	0.02	0.06
Capex per share	-0.06	-0.07	-0.02	-0.02	0.01

EVBN Dividend History

EVBN Frequently Asked Questions

What is Evans Bancorp, Inc. stock symbol ?

Evans Bancorp, Inc. is a US stock , located in Williamsville of Ny and trading under the symbol EVBN

What is Evans Bancorp, Inc. stock quote today ?

Evans Bancorp, Inc. stock price is $26.39 today.

Is Evans Bancorp, Inc. stock public?

Yes, Evans Bancorp, Inc. is a publicly traded company.

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Company Profile

Volume Average 15.84K
Market Capitalization 148.95M
Employee 300
CEO Mr. David John Nasca
Headquarters Williamsville,NY,US
IPO Date 2002-04-16
Website https://evansbank.com

Evans Bancorp, Inc. primarily 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 and the Finger Lakes Region of New York State. 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 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, 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, including 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 a total of 21 full-service banking offices in Erie County, Niagara County, Monroe County, and Chautauqua County, New York. Evans Bancorp, Inc. was founded in 1920 and is headquartered in Williamsville, New York.