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

24.85USD+0.51 (+2.10%)Market Closed

Market Summary

USD24.85+0.51

Market Closed

2.10%

EVBN Stock Price

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EVBN RSI Chart

EVBN Valuation

Market Cap

137.2M

Price/Earnings (Trailing)

6.52

Price/Sales (Trailing)

1.39

EV/EBITDA

-0.39

Price/Free Cashflow

10.6

EVBN Price/Sales (Trailing)

EVBN Profitability

EBT Margin

30.47%

Return on Equity

12.06%

Return on Assets

0.93%

Free Cashflow Yield

9.43%

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

-4.5%

Last 30 days

-14.1%

Last 90 days

-16.3%

Trailing 12 Months

-8.3%

How does EVBN drawdown profile look like?

EVBN Financial Health

Debt/Equity

0.03

Debt/Cashflow

2.21

EVBN Investor Care

Dividend Yield

5.31%

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?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 01, 2024	CONCOURSE FINANCIAL GROUP SECURITIES, INC.	sold off	-	-	-	-%
May 01, 2024	BNP PARIBAS FINANCIAL MARKETS	added	78.14	31,909	78,353	-%
May 01, 2024	PL Capital Advisors, LLC	added	3.02	-401,394	16,077,700	6.12%
Apr 30, 2024	Avior Wealth Management, LLC	new	-	29.00	29.00	-%
Apr 29, 2024	COMMONWEALTH EQUITY SERVICES, LLC	reduced	-0.46	-71,000	1,160,000	-%
Apr 26, 2024	Members Advisory Group LLC	unchanged	-	-61,519	1,099,980	0.62%
Apr 25, 2024	Bank of New York Mellon Corp	reduced	-10.78	-78,493	427,606	-%
Apr 23, 2024	AMALGAMATED BANK	reduced	-61.4	-9,000	5,000	-%
Apr 22, 2024	MetLife Investment Management, LLC	unchanged	-	13,519	90,113	-%
Apr 19, 2024	Red Tortoise LLC	unchanged	-	-436	7,793	-%

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 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
Mar 21, 2024	4	Insider Trading
Mar 21, 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	550.4B	174.7B	-3.62%	40.95%	10.93	3.15	53.11%	19.83%
BAC	288.3B	127.4B	-1.15%	32.34%	11.52	2.26	44.27%	-12.56%
WFC	208.6B	85.8B	4.32%	56.01%	11.11	2.43	35.02%	26.14%
C	117.6B	133.3B	-2.05%	34.77%	12.75	0.88	79.09%	-
CFG	16.1B	10.2B	-0.14%	33.45%	9.98	1.57	44.53%	-22.43%
KEY	14.0B	8.1B	-2.62%	55.93%	16.03	1.72	32.15%	-50.93%
MID-CAP
CMA	6.9B	4.2B	-3.21%	45.81%	9.9	1.62	34.68%	-45.96%
ZION	6.3B	3.9B	0.71%	88.53%	9.31	1.6	45.91%	-25.03%
ABCB	3.4B	1.3B	3.97%	58.26%	12.49	2.62	43.24%	-22.35%
ASB	3.3B	1.8B	5.09%	36.86%	20.51	1.79	32.64%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	391.4M	152.4M	-5.49%	44.45%	39.37	2.57	16.94%	-73.84%
AROW	387.7M	162.6M	-2.25%	14.75%	12.89	2.38	25.39%	-38.37%
ACNB	284.2M	96.6M	-5.09%	17.23%	8.97	2.94	11.02%	-11.37%
ASRV	42.0M	60.9M	2.51%	-13.74%	-12.56	0.69	24.06%	-144.92%

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

2023-12-31

Consolidated Statements Of Income - USD ($) $ in Thousands	12 Months Ended
Consolidated Statements Of Income - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
INTEREST INCOME
Loans	$ 87,448	$ 70,562	$ 72,955
Interest-bearing deposits at banks	403	596	187
Securities:
Taxable	8,755	8,037	4,224
Non-taxable	244	287	214
Total interest income	96,850	79,482	77,580
INTEREST EXPENSE
Deposits	26,478	3,589	2,864
Other borrowings	6,978	1,147	315
Subordinated debt	2,186	1,791	1,616
Total interest expense	35,642	6,527	4,795
NET INTEREST INCOME	61,208	72,955	72,785
PROVISION (CREDIT) FOR LOAN LOSSES	18	2,739	(1,513)
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	61,190	70,216	74,298
NON-INTEREST INCOME
Deposit service charges	2,593	2,861	2,531
Insurance service and fees	10,261	10,453	10,457
Gain on loans sold	179	95	11
Bank-owned life insurance	932	707	853
Loss on tax credit investment			(30)
Refundable state historic tax credit			21
Loss on sale of securities	(5,044)
Interchange fee income	2,047	2,071	2,116
Gain on sale of insurance agency	20,160
Other	1,794	3,084	2,888
Total non-interest income	32,922	19,271	18,847
NON-INTEREST EXPENSE
Salaries and employee benefits	37,047	38,854	38,612
Occupancy	4,506	4,619	4,698
Advertising and public relations	1,207	1,159	1,427
Professional services	3,563	3,425	3,587
Technology and communications	5,959	5,187	5,376
Amortization of intangibles	367	400	537
FDIC insurance	1,400	1,025	1,133
Other	5,333	5,266	5,849
Total non-interest expense	59,382	59,935	61,219
INCOME BEFORE INCOME TAXES	34,730	29,552	31,926
INCOME TAX PROVISION	10,206	7,163	7,883
NET INCOME	$ 24,524	$ 22,389	$ 24,043
Net income per common share-basic	$ 4.49	$ 4.07	$ 4.41
Net income per common share-diluted	$ 4.48	$ 4.04	$ 4.37
Weighted average number of common shares outstanding	5,456,250	5,495,044	5,447,057
Weighted average number of diluted shares outstanding	5,471,033	5,536,375	5,501,511

EVBN Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 19,669	$ 16,796
Interest-bearing deposits at banks	3,798	6,258
Securities:
Available for sale, at fair value (amortized cost: $330,725 at December 31, 2023; $428,216 at December 31, 2022)	275,680	364,326
Held to maturity, at amortized cost (fair value: $1,988 at December 31, 2023; $6,809 at December 31, 2022)	2,059	6,949
Federal Home Loan Bank common stock, at cost	4,914	10,437
Federal Reserve Bank common stock, at cost	3,097	3,074
Loans, net of allowance for credit losses of $22,114 at December 31, 2023 and $19,438 at December 31, 2022	1,698,832	1,652,931
Properties and equipment, net of accumulated depreciation of $12,538 at December 31, 2023 and $11,596 at December 31, 2022	15,397	16,999
Goodwill	1,768	12,702
Intangible assets	94	1,227
Bank-owned life insurance	42,758	41,826
Operating lease right-of-use asset	3,781	4,392
Other assets	36,816	40,593
TOTAL ASSETS	2,108,663	2,178,510
Deposits:
Demand	390,238	493,710
NOW	345,279	273,359
Savings	649,621	801,943
Time	333,623	202,667
Total deposits	1,718,761	1,771,679
Securities sold under agreement to repurchase	9,475	7,147
Other borrowings	145,123	193,001
Operating lease liability	4,063	4,723
Other liabilities	21,845	16,892
Subordinated debt	31,177	31,075
Total liabilities	1,930,444	2,024,517
STOCKHOLDERS' EQUITY:
Common stock, $0.50 par value, 10,000,000 shares authorized; 5,601,308 and 5,544,339 shares issued at December 31, 2023 and December 31, 2022, respectively, and 5,499,772 and 5,437,048 outstanding at December 31, 2023 and December 31, 2022, respectively	2,803	2,775
Capital surplus	82,712	81,031
Treasury stock, at cost, 101,536 and 107,291 shares at December 31, 2023 and December 31, 2022, respectively	(3,656)	(3,891)
Retained earnings	138,631	123,356
Accumulated other comprehensive loss, net of tax	(42,271)	(49,278)
Total stockholders' equity	178,219	153,993
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 2,108,663	$ 2,178,510

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 Thu May 02 2024, market cap of Evans Bancorp Inc is 136.89 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 Thu May 02 2024, EVBN's PE ratio (Price to Earnings) is 5.58 and Price to Sales (PS) ratio is 1.41. 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 0.033 (multiply by 100 for percentage) rate of return.