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Evans Bancorp, Inc. (EVBN)
Key financial summary
Financials in USD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 57 | 67 | 87 | 86 | 58 | 18 | 19 |
| Operating profit | $m | 14 | 14 | |||||
| Net profit | $m | 17 | 11 | 24 | 22 | 25 | 12 | 12 |
| EPS reported | $ | 2.16 | 2.15 | |||||
| Operating cashflow per share | $ | -0.50 | -0.50 | |||||
| Capex per share | $ | 0.06 | 0.06 | |||||
| FCF per share | $ | -0.56 | -0.56 | |||||
| Free cash flow | $m | -3 | -3 | |||||
| Net debt | $m | 98 | -91 | |||||
| Book value equity | $m | 183 | 183 | |||||
| Book value per share | $ | 33.04 | 33.04 | |||||
| Number of shares | m | 5.54 | 5.54 | |||||
| DPS (TTM paid) | $ | 1.32 | 1.32 |
Financial summary
Financials in USD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 20.05 | - | |||||
| P/B LTM | x | 1.31 | 1.20 | |||||
| P/S LTM | x | 13.11 | 11.84 | |||||
| P/FCF LTM | x | -77.21 | -69.80 | |||||
| EV/EBITDA LTM | x | 0.00 | 14.25 | |||||
| EV/Sales LTM | x | 4.51 | 6.95 | |||||
| Earnings Yield LTM | % | 4.99% | 5.47% | |||||
| FCF Yield | % | -1.30% | -1.43% | |||||
| Quality | ||||||||
| ROE | % | 6.53% | 6.62% | |||||
| ROIC | % | 56.73% | 56.73% | |||||
| Operating margin | % | 19.86% | 19.86% | |||||
| Gross margin | % | 100.00% | 100.00% | |||||
| FCF/Sales | % | -4.48% | -4.48% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | -51.79% | -51.79% | |||||
| Sales Growth YoY | % | -68.78% | -68.78% | |||||
| Net Income Growth YoY | % | -51.26% | -51.26% | |||||
| FCF Growth | % | - | - | |||||
| Operating Profit Growth | % | -60.43% | -60.43% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 3.05% | 3.34% | |||||
| Dividend Growth | % | 0.00% | - | |||||
| Payout Ratio | % | 60.97% | 61.26% | |||||
| FCF/Debt | x | -0.03 | -0.03 | |||||
| Net Debt/EBITDA | x | 0.00 | 0.00 | |||||
| EBIT/Net interest | x | 0.27 | 0.27 | |||||
| Net debt/market cap | % | 40.81% | -41.25% | |||||
| Net debt/Equity | x | 0.53 | -0.50 | |||||
| Gross debt/equity | x | 0.63 | 0.67 | |||||
Company overview
Evans Bancorp, Inc. functions primarily as the parent financial institution for Evans Bank, N.A., which delivers a comprehensive array of banking services and products. Its clientele spans both individual consumers and businesses located throughout Western New York and the Finger Lakes Region of New York State. The company's operations are segmented into two main divisions: core banking services and insurance agency activities. Within its banking arm, Evans Bancorp offers various deposit instruments, including checking accounts (such as negotiable order of withdrawal accounts), savings accounts, and certificates of deposit. Its lending portfolio is extensive, featuring residential mortgages, financing for commercial and multi-family properties, and loans for commercial construction. Homeowners can also access home equity lines of credit and second mortgage options. For businesses, the bank provides commercial and industrial loans, available as term loans or revolving lines of credit. Consumer lending encompasses direct loans for vehicles (automobile, recreational vehicle, boat), home improvement projects, and personal use. Additionally, the company extends installment loans and covers other credit facilities like cash reserves, overdraft protection, and loan clearing accounts. Beyond banking, Evans Bancorp's insurance division markets a diverse selection of premium-based insurance policies. These offerings include coverage for both business entities and private individuals, employee benefits packages, surety bonds, risk management solutions, and personal protection products such as life, disability, and long-term care insurance. The company also provides claims adjusting services to other insurance carriers. Furthermore, it offers non-deposit investment solutions, including annuities and mutual funds. The company operates through a network of 21 full-service banking branches, strategically located across Erie, Niagara, Monroe, and Chautauqua counties in New York. Established in 1920, Evans Bancorp, Inc. maintains its corporate headquarters in Williamsville, New York.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Evans Bancorp, Inc. (EVBN)
Evans Bancorp, Inc. functions primarily as the parent financial institution for Evans Bank, N.A., which delivers a comprehensive array of banking services and products. Its clientele spans both individual consumers and businesses located throughout Western New York and the Finger Lakes Region of New York State. The company's operations are segmented into two main divisions: core banking services and insurance agency activities. Within its banking arm, Evans Bancorp offers various deposit instruments, including checking accounts (such as negotiable order of withdrawal accounts), savings accounts, and certificates of deposit. Its lending portfolio is extensive, featuring residential mortgages, financing for commercial and multi-family properties, and loans for commercial construction. Homeowners can also access home equity lines of credit and second mortgage options. For businesses, the bank provides commercial and industrial loans, available as term loans or revolving lines of credit. Consumer lending encompasses direct loans for vehicles (automobile, recreational vehicle, boat), home improvement projects, and personal use. Additionally, the company extends installment loans and covers other credit facilities like cash reserves, overdraft protection, and loan clearing accounts. Beyond banking, Evans Bancorp's insurance division markets a diverse selection of premium-based insurance policies. These offerings include coverage for both business entities and private individuals, employee benefits packages, surety bonds, risk management solutions, and personal protection products such as life, disability, and long-term care insurance. The company also provides claims adjusting services to other insurance carriers. Furthermore, it offers non-deposit investment solutions, including annuities and mutual funds. The company operates through a network of 21 full-service banking branches, strategically located across Erie, Niagara, Monroe, and Chautauqua counties in New York. Established in 1920, Evans Bancorp, Inc. maintains its corporate headquarters in Williamsville, New York.
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