EVBN - Evans Bancorp Inc Stock Price, Fair Value and News

28.28USD+0.66 (+2.39%)Market Closed

Market Summary

USD28.28+0.66

Market Closed

2.39%

EVBN Stock Price

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EVBN RSI Chart

EVBN Valuation

Market Cap

156.1M

Price/Earnings (Trailing)

7.41

Price/Sales (Trailing)

1.58

EV/EBITDA

-0.25

Price/Free Cashflow

12.06

EVBN Price/Sales (Trailing)

EVBN Profitability

EBT Margin

30.47%

Return on Equity

12.06%

Return on Assets

0.93%

Free Cashflow Yield

8.29%

EVBN Fundamentals

EVBN Revenue

Revenue (TTM)

98.9M

Rev. Growth (Yr)

8.6%

Rev. Growth (Qtr)

0.67%

EVBN Earnings

Earnings (TTM)

21.1M

Earnings Growth (Yr)

-59.76%

Earnings Growth (Qtr)

-77.06%

Breaking Down EVBN Revenue

Last 7 days

7.0%

Last 30 days

8.8%

Last 90 days

-2.9%

Trailing 12 Months

17.9%

How does EVBN drawdown profile look like?

EVBN Financial Health

Debt/Equity

0.03

Debt/Cashflow

2.21

EVBN Investor Care

Dividend Yield

4.67%

Dividend/Share (TTM)

1.32

Shares Dilution (1Y)

1.07%

Diluted EPS (TTM)

3.84

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	98.9M	0	0	0
2023	85.3M	90.2M	94.0M	96.8M
2022	77.1M	76.6M	77.8M	79.5M
2021	71.0M	73.5M	75.0M	77.6M
2020	65.0M	65.8M	66.7M	68.8M
2019	59.8M	61.9M	64.0M	64.7M
2018	50.2M	53.0M	55.1M	57.6M
2017	41.5M	43.3M	45.6M	47.7M
2016	36.5M	37.6M	38.7M	40.0M
2015	35.0M	35.0M	35.5M	35.6M
2014	32.7M	33.3M	33.7M	34.7M
2013	33.0M	32.7M	32.5M	32.4M
2012	33.1M	33.3M	33.5M	33.4M
2011	31.7M	31.9M	32.0M	32.7M
2010	0	30.9M	31.2M	31.4M
2009	0	0	0	30.7M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Evans Bancorp Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Mar 22, 2024	nasca david j	sold (taxes)	-11,398	29.76	-383	president and ceo
Mar 22, 2024	connerton john b	sold (taxes)	-2,775	29.84	-93.00	treasurer
Mar 21, 2024	nasca david j	acquired	24,011	30.09	798	president and ceo
Mar 21, 2024	connerton john b	acquired	9,418	30.09	313	treasurer
Mar 21, 2024	nasca david j	sold (taxes)	-6,826	29.81	-229	president and ceo
Mar 21, 2024	connerton john b	sold (taxes)	-2,362	29.9	-79.00	treasurer
Mar 18, 2024	connerton john b	sold	-91,611	29.12	-3,146	treasurer
Mar 15, 2024	nasca david j	acquired	21,130	29.93	706	president and ceo
Mar 15, 2024	connerton john b	acquired	8,290	29.93	277	treasurer
Mar 14, 2024	nasca david j	sold	-32,148	29.0936	-1,105	president and ceo

Which funds bought or sold EVBN recently?

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Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	Ancora Advisors LLC	unchanged	-	-419	7,495	-%
May 16, 2024	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	reduced	-38.86	-11,443	15,736	-%
May 15, 2024	CITADEL ADVISORS LLC	sold off	-100	-262,298	-	-%
May 15, 2024	GOLDMAN SACHS GROUP INC	sold off	-100	-310,224	-	-%
May 15, 2024	STATE STREET CORP	added	13.53	181,989	2,069,750	-%
May 15, 2024	MORGAN STANLEY	reduced	-6.46	-248,160	1,926,160	-%
May 15, 2024	KENNEDY CAPITAL MANAGEMENT LLC	unchanged	-	-36,683	655,905	0.01%
May 15, 2024	BANK OF AMERICA CORP /DE/	reduced	-42.15	-245,173	297,048	-%
May 15, 2024	BARCLAYS PLC	reduced	-23.4	-180,000	475,000	-%
May 15, 2024	Elizabeth Park Capital Advisors, Ltd.	reduced	-15.16	-738,620	3,018,940	2.50%

Are Funds Buying or Selling EVBN?

Are funds buying EVBN calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own EVBN

No. of Funds

Unveiling Evans Bancorp Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	fourthstone llc	1.55%	84,955	SC 13G/A
Feb 13, 2024	manulife financial corp	0.02%	-	SC 13G/A
Feb 13, 2024	vanguard group inc	5.10%	279,679	SC 13G
Feb 06, 2024	fj capital management llc	9.85%	540,233	SC 13G/A
Jan 26, 2024	blackrock inc.	6.7%	364,824	SC 13G
Sep 07, 2023	pl capital advisors, llc	9.5%	522,649	SC 13D/A
Feb 14, 2023	fourthstone llc	7.70%	424,507	SC 13G
Feb 14, 2023	manulife financial corp	0.00%	-	SC 13G/A
Feb 08, 2023	fj capital management llc	7.07%	390,070	SC 13G/A
Nov 14, 2022	pl capital advisors, llc	9.9%	543,649	SC 13D

Recent SEC filings of Evans Bancorp Inc

View All Filings

Date Filed	Form Type	Document
May 09, 2024	8-K	Current Report
May 08, 2024	8-K	Current Report
May 02, 2024	10-Q	Quarterly Report
Apr 30, 2024	8-K	Current Report
Apr 18, 2024	3	Insider Trading
Mar 28, 2024	3	Insider Trading
Mar 25, 2024	DEF 14A	DEF 14A
Mar 25, 2024	DEFA14A	DEFA14A
Mar 22, 2024	4	Insider Trading
Mar 22, 2024	4	Insider Trading

Peers (Alternatives to Evans Bancorp Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

Evans Bancorp Inc News

Latest updates

Evans Bancorp Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	0.7%	25.00	25.00	24.00	24.00	23.00	22.00	20.00	19.00	18.00	21.00	19.00	20.00	18.00	18.00	18.00	17.00	16.00	16.00	17.00	16.00	16.00
EBITDA Margin	-10.2%	0.90*	1.01*	1.01*	1.14*	1.24*	1.31*	1.33*	1.36*	1.37*	1.37*	1.35*	1.29*	-	-	-	-	-	-	-	-	-
Interest Expenses	-0.3%	14.00	14.00	14.00	16.00	17.00	19.00	19.00	18.00	17.00	20.00	18.00	18.00	17.00	16.00	16.00	15.00	13.00	13.00	14.00	13.00	13.00
Income Taxes	-88.7%	1.00	6.00	1.00	1.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	1.00	1.00	0.00	0.00	1.00	2.00	1.00	1.00
Earnings Before Taxes	-81.3%	3.00	16.00	5.00	6.00	8.00	8.00	8.00	8.00	6.00	8.00	9.00	8.00	6.00	7.00	5.00	1.00	0.00	5.00	7.00	6.00	5.00
EBT Margin	-15.0%	0.30*	0.36*	0.28*	0.33*	0.36*	0.37*	0.38*	0.40*	0.41*	0.41*	0.41*	0.37*	-	-	-	-	-	-	-	-	-
Net Income	-77.1%	2.00	10.00	4.00	5.00	6.00	6.00	6.00	6.00	5.00	6.00	7.00	6.00	5.00	6.00	5.00	0.00	0.00	4.00	5.00	4.00	4.00
Net Income Margin	-15.9%	0.21*	0.25*	0.22*	0.25*	0.27*	0.28*	0.29*	0.30*	0.31*	0.31*	0.32*	0.30*	-	-	-	-	-	-	-	-	-
Free Cashflow	-137.0%	-2.29	6.00	3.00	6.00	-0.05	9.00	8.00	7.00	1.00	8.00	5.00	2.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	7.2%	2,260	2,109	2,175	2,155	2,148	2,179	2,130	2,208	2,241	2,211	2,152	2,160	2,144	2,044	2,057	2,066	1,525	1,460	325	1,471	1,456
Cash Equivalents	660.0%	178	23.00	25.00	26.00	16.00	23.00	21.00	99.00	159	245	192	142	116	98.00	104	121	52.00	39.00	34.00	60.00	69.00
Net PPE	-1.5%	15.00	15.00	16.00	16.00	17.00	17.00	17.00	17.00	18.00	18.00	19.00	19.00	19.00	19.00	19.00	17.00	14.00	14.00	14.00	10.00	11.00
Goodwill	-1.8%	2.00	2.00	13.00	13.00	13.00	13.00	13.00	13.00	13.00	13.00	13.00	13.00	13.00	13.00	-	-	-	11.00	-	-	-
Liabilities	8.0%	2,085	1,930	2,024	1,995	1,990	2,025	1,980	2,046	2,072	2,027	1,973	1,985	1,977	1,875	1,894	1,904	1,377	1,312	293	1,330	1,322
Shareholder's Equity	-2.0%	175	178	151	159	158	154	150	163	169	184	179	176	167	169	163	162	148	148	145	141	134
Retained Earnings	-1.1%	137	139	128	128	124	123	117	115	109	108	102	98.00	92.00	91.00	84.00	83.00	83.00	85.00	82.00	79.00	75.00
Additional Paid-In Capital	-0.5%	82.00	83.00	82.00	82.00	81.00	81.00	80.00	80.00	79.00	79.00	78.00	77.00	77.00	76.00	76.00	76.00	64.00	63.00	63.00	62.00	61.00
Accumulated Depreciation	3.3%	13.00	13.00	12.00	12.00	11.00	12.00	11.00	11.00	11.00	10.00	21.00	21.00	20.00	20.00	22.00	21.00	21.00	21.00	20.00	20.00	20.00
Shares Outstanding	0.4%	6.00	5.00	5.00	5.00	5.00	5.00	6.00	6.00	5.00	5.00	5.00	5.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	-	132	-	-	-	178	-	-	-	193	-	-	-	119	-	-	-	177	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-134.3%	-2,103	6,139	3,420	5,829	311	9,286	8,499	7,325	1,297	7,763	5,080	2,383	5,286	-1,592	8,923	-6,316	6,772	6,447	4,541	5,996	4,089
Share Based Compensation	58.7%	330	208	238	228	306	254	328	291	333	313	200	201	233	215	207	204	257	245	243	248	201
Cashflow From Investing	-98.7%	1,226	92,031	-27,622	-588	25,546	-46,993	-16,022	-39,596	-133,964	-9,313	57,728	15,183	-86,218	9,681	-13,494	-155,486	-54,092	-3,338	-9,322	-21,704	-35,518
Cashflow From Financing	255.8%	155,762	-99,997	23,965	4,186	-32,807	39,554	-70,030	-27,644	46,557	54,612	-12,767	7,896	99,548	-14,120	-12,933	230,973	60,431	1,404	-20,514	6,831	60,030
Dividend Payments	-100.0%	-	3,626	-	-	-	3,533	-	-	-	3,284	-	-	-	3,124	-	-	-	2,564	-	-	-
Buy Backs	-	204	-	-	-	-	3,042	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

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EVBN Income Statement

2024-03-31

Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended
Consolidated Statements Of Income - USD ($) $ in Thousands	Mar. 31, 2024	Mar. 31, 2023
INTEREST INCOME
Loans	$ 23,529	$ 20,886
Interest-bearing deposits at banks	79	96
Securities:
Taxable	1,719	2,294
Non-taxable	47	89
Total interest income	25,374	23,365
INTEREST EXPENSE
Deposits	9,288	4,015
Other borrowings	1,627	1,499
Subordinated debt	552	526
Total interest expense	11,467	6,040
NET INTEREST INCOME	13,907	17,325
PROVISION FOR CREDIT LOSSES	266	(654)
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	13,641	17,979
NON-INTEREST INCOME
Deposit service charges	681	613
Insurance service and fees	149	2,429
Bank-owned life insurance	246	224
Interchange fee income	466	493
Other	725	354
Total non-interest income	2,267	4,113
NON-INTEREST EXPENSE
Salaries and employee benefits	7,837	9,413
Occupancy	1,157	1,173
Advertising and public relations	171	156
Professional services	895	883
Technology and communications	1,409	1,356
Amortization of intangibles	4	100
FDIC insurance	325	350
Other	1,129	1,071
Total non-interest expense	12,927	14,502
INCOME BEFORE INCOME TAXES	2,981	7,590
INCOME TAX PROVISION	647	1,790
NET INCOME	$ 2,334	$ 5,800
Net income per common share-basic	$ 0.42	$ 1.07
Net income per common share-diluted	$ 0.42	$ 1.06
Weighted average number of common shares outstanding	5,507,760	5,444,352
Weighted average number of diluted shares outstanding	5,519,244	5,475,790

EVBN Balance Sheet

2024-03-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 13,952	$ 19,669
Interest-bearing deposits at banks	164,400	3,798
Securities:
Available for sale, at fair value and net of valuation allowance (amortized cost: $326,885 at March 31, 2024; $330,725 at December 31, 2023)	268,476	275,680
Held to maturity, at amortized cost and net of valuation allowance (fair value: $3,531 at March 31, 2024; $1,988 at December 31, 2023)	3,611	2,059
Federal Home Loan Bank common stock, at cost	4,384	4,914
Federal Reserve Bank common stock, at cost	3,676	3,097
Loans, net of allowance for credit losses of $22,287 at March 31, 2024 and $22,114 at December 31, 2023	1,699,589	1,698,832
Properties and equipment, net of accumulated depreciation of $12,950 at March 31, 2024 and $12,538 at December 31, 2023	15,173	15,397
Goodwill	1,768	1,768
Intangible assets	90	94
Bank-owned life insurance	43,004	42,758
Operating lease right-of-use asset	3,945	3,781
Other assets	37,876	36,816
TOTAL ASSETS	2,259,944	2,108,663
Deposits:
Demand	399,558	390,238
NOW	381,798	345,279
Savings	715,495	649,621
Time	394,515	333,623
Total deposits	1,891,366	1,718,761
Securities sold under agreement to repurchase	6,873	9,475
Other borrowings	131,023	145,123
Operating lease liability	4,218	4,063
Other liabilities	20,666	21,845
Subordinated debt	31,203	31,177
Total liabilities	2,085,349	1,930,444
STOCKHOLDERS' EQUITY:
Common stock, $0.50 par value, 10,000,000 shares authorized; 5,603,541 and 5,601,308 shares issued at March 31, 2024 and December 31, 2023, respectively, and 5,521,009 and 5,499,772 outstanding at March 31, 2024 and December 31, 2023, respectively	2,804	2,803
Capital surplus	82,268	82,712
Treasury stock, at cost, 82,532 and 101,536 shares at March 31, 2024 and December 31, 2023, respectively	(2,892)	(3,656)
Retained earnings	137,161	138,631
Accumulated other comprehensive loss, net of tax	(44,746)	(42,271)
Total stockholders' equity	174,595	178,219
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 2,259,944	$ 2,108,663

About Evans Bancorp Inc

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. 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, 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 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. Evans Bancorp, Inc. was founded in 1920 and is headquartered in Williamsville, New York.

CEO	Mr. David John Nasca
WEBSITE	https://evansbank.com
INDUSTRY	Banks Diversified
EMPLOYEES	379

Evans Bancorp Inc Frequently Asked Questions

What is the ticker symbol for Evans Bancorp Inc? What does EVBN stand for in stocks?

EVBN is the stock ticker symbol of Evans Bancorp Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Evans Bancorp Inc (EVBN)?

As of Fri May 17 2024, market cap of Evans Bancorp Inc is 156.13 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of EVBN stock?

You can check EVBN's fair value in chart for subscribers.

What is the fair value of EVBN stock?

You can check EVBN's fair value in chart for subscribers. The fair value of Evans Bancorp Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Evans Bancorp Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for EVBN so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Evans Bancorp Inc a good stock to buy?

The fair value guage provides a quick view whether EVBN is over valued or under valued. Whether Evans Bancorp Inc is cheap or expensive depends on the assumptions which impact Evans Bancorp Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for EVBN.

What is Evans Bancorp Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, EVBN's PE ratio (Price to Earnings) is 7.41 and Price to Sales (PS) ratio is 1.58. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. EVBN PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Evans Bancorp Inc's stock?

In the past 10 years, Evans Bancorp Inc has provided 0.047 (multiply by 100 for percentage) rate of return.