Evans Bancorp, Inc. EVBN

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Price alert · EVBN

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39.53 0.00 0.00%

At close · May 2

39.10 Day range 39.68

52-week range unavailable

Open
39.11
Prev close
39.53
Mkt cap
242.92M
Vol
34.41K
Avg vol
0
EPS
0.00
P/E
0.00
Div yield
3.00%
More statistics
Low
39.10
High
39.68
Forward P/E
17.82
Beta
0.95
Short ratio
2.06
Inst. own
57.99%
Dividend
1.32
Ex-div date
Sep 11, 2024
Earnings
Feb 6, 2025
50-d avg
42.64
200-d avg
33.84
1y target
50.05

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Financial health

Altman Z-Score

0.31 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 20.1×
FY 2015: 14.1×FY 2016: 16.4×FY 2017: 19.0×FY 2018: 9.6×FY 2019: 11.7×FY 2020: 13.2×FY 2021: 9.2×FY 2022: 9.3×FY 2023: 7.0×FY 2024: 20.1×
FY 2015 5y median 9.3× FY 2024
P/S 3.5×
FY 2015: 2.4×FY 2016: 3.1×FY 2017: 3.9×FY 2018: 2.6×FY 2019: 2.8×FY 2020: 1.9×FY 2021: 2.4×FY 2022: 2.2×FY 2023: 1.8×FY 2024: 3.5×
FY 2015 5y median 2.2× FY 2024
P/B 1.3×
FY 2015: 1.2×FY 2016: 1.4×FY 2017: 1.7×FY 2018: 1.2×FY 2019: 1.3×FY 2020: 0.9×FY 2021: 1.2×FY 2022: 1.3×FY 2023: 1.0×FY 2024: 1.3×
FY 2015 5y median 1.2× FY 2024
P/FCF -77.2×
FY 2015: 17.8×FY 2016: 13.6×FY 2017: 15.6×FY 2018: 6.7×FY 2019: 12.1×FY 2020: 73.3×FY 2021: 11.3×FY 2022: 8.2×FY 2023: 11.3×FY 2024: -77.2×
FY 2015 5y median 11.3× FY 2024
EV/EBITDA 0.0×
FY 2015: 0.0×FY 2016: 0.0×FY 2017: 0.0×FY 2018: 6.9×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 13.4×FY 2023: 0.0×FY 2024: 0.0×
FY 2015 5y median 0.0× FY 2024
EV/Sales 4.5×
FY 2015: 2.4×FY 2016: 3.7×FY 2017: 5.4×FY 2018: 2.3×FY 2019: 2.7×FY 2020: 1.7×FY 2021: 0.6×FY 2022: 4.5×FY 2023: 3.6×FY 2024: 4.5×
FY 2015 5y median 3.6× FY 2024
FCF Yield -1.3%
FY 2015: 5.6%FY 2016: 7.3%FY 2017: 6.4%FY 2018: 15.0%FY 2019: 8.2%FY 2020: 1.4%FY 2021: 8.9%FY 2022: 12.3%FY 2023: 8.8%FY 2024: -1.3%
FY 2015 5y median 8.8% FY 2024

Profitability

Gross Margin 100.0%
FY 2015: 100.0%FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 100.0%FY 2024: 100.0%
FY 2015 5y median 100.0% FY 2024
Operating Margin 19.9%
FY 2015: 33.9%FY 2016: 28.8%FY 2017: 44.2%FY 2018: 45.9%FY 2019: 40.0%FY 2020: 30.6%FY 2021: 34.8%FY 2022: 40.5%FY 2023: 36.9%FY 2024: 19.9%
FY 2015 5y median 34.8% FY 2024
Net Margin 17.3%
FY 2015: 17.2%FY 2016: 18.6%FY 2017: 20.1%FY 2018: 26.7%FY 2019: 24.3%FY 2020: 14.8%FY 2021: 26.2%FY 2022: 24.3%FY 2023: 26.1%FY 2024: 17.3%
FY 2015 5y median 24.3% FY 2024
ROE 6.5%
FY 2015: 8.6%FY 2016: 8.6%FY 2017: 8.9%FY 2018: 12.4%FY 2019: 11.5%FY 2020: 6.7%FY 2021: 13.1%FY 2022: 14.5%FY 2023: 13.8%FY 2024: 6.5%
FY 2015 5y median 13.1% FY 2024
ROIC 56.7%
FY 2015: 1.4%FY 2016: 1.2%FY 2017: 1.6%FY 2018: 2.2%FY 2019: 85.4%FY 2020: 74.8%FY 2021: 6.9%FY 2022: 77.2%FY 2023: 1.1%FY 2024: 56.7%
FY 2015 5y median 56.7% FY 2024
ROA 0.5%
FY 2015: 0.8%FY 2016: 0.8%FY 2017: 0.8%FY 2018: 1.2%FY 2019: 1.2%FY 2020: 0.6%FY 2021: 1.1%FY 2022: 1.0%FY 2023: 1.2%FY 2024: 0.5%
FY 2015 5y median 1.0% FY 2024

Growth (YoY)

Revenue -26.5%
FY 2015: 13.4%FY 2016: -2.5%FY 2017: 17.6%FY 2018: 17.6%FY 2019: 14.1%FY 2020: 8.8%FY 2021: 20.3%FY 2022: 0.7%FY 2023: 2.0%FY 2024: -26.5%
FY 2015 FY 2024
Operating Income -60.4%
FY 2015: 10.5%FY 2016: -17.2%FY 2017: 80.4%FY 2018: 22.0%FY 2019: -0.4%FY 2020: -16.8%FY 2021: 36.9%FY 2022: 16.9%FY 2023: -7.0%FY 2024: -60.4%
FY 2015 FY 2024
EPS (diluted) -51.8%
FY 2015: -5.2%FY 2016: 4.4%FY 2017: 13.7%FY 2018: 53.7%FY 2019: 3.0%FY 2020: -37.7%FY 2021: 105.2%FY 2022: -7.6%FY 2023: 10.9%FY 2024: -51.8%
FY 2015 FY 2024
Free Cash Flow -120.4%
FY 2015: -40.5%FY 2016: 62.4%FY 2017: 28.8%FY 2018: 84.8%FY 2019: -31.6%FY 2020: -88.0%FY 2021: 891.3%FY 2022: 30.4%FY 2023: -40.2%FY 2024: -120.4%
FY 2015 FY 2024

Financial Health

Current Ratio 3.6×
FY 2015: 0.1×FY 2016: 0.1×FY 2017: 0.0×FY 2018: 0.1×FY 2019: 1.8×FY 2020: 2.1×FY 2021: 1.9×FY 2022: 4.9×FY 2023: 5.8×FY 2024: 3.6×
FY 2015 5y median 3.6× FY 2024
Quick Ratio 3.6×
FY 2015: 0.1×FY 2016: 0.1×FY 2017: 0.0×FY 2018: 0.1×FY 2019: 1.8×FY 2020: 2.1×FY 2021: 1.9×FY 2022: 4.9×FY 2023: 5.8×FY 2024: 3.6×
FY 2015 5y median 3.6× FY 2024
Debt / Equity 0.6×
FY 2015: 0.2×FY 2016: 0.4×FY 2017: 0.8×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.5×FY 2021: 0.4×FY 2022: 1.5×FY 2023: 1.1×FY 2024: 0.6×
FY 2015 5y median 0.6× FY 2024
Net Debt / EBITDA 0.0×
FY 2015: 0.0×FY 2016: 0.0×FY 2017: 0.0×FY 2018: -0.9×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 6.8×FY 2023: 0.0×FY 2024: 0.0×
FY 2015 5y median 0.0× FY 2024
Interest Coverage 0.3×
FY 2015: 4.0×FY 2016: 2.7×FY 2017: 4.0×FY 2018: 3.0×FY 2019: 2.2×FY 2020: 2.6×FY 2021: 6.7×FY 2022: 5.7×FY 2023: 1.0×FY 2024: 0.3×
FY 2015 5y median 2.6× FY 2024

Dividends

Dividend Yield 3.0%
FY 2015: 2.8%FY 2016: 2.4%FY 2017: 1.9%FY 2018: 2.8%FY 2019: 2.6%FY 2020: 4.2%FY 2021: 3.0%FY 2022: 3.4%FY 2023: 4.2%FY 2024: 3.0%
FY 2015 5y median 3.4% FY 2024
Payout Ratio 61.0%
FY 2015: 38.9%FY 2016: 39.4%FY 2017: 36.4%FY 2018: 27.1%FY 2019: 29.9%FY 2020: 53.3%FY 2021: 27.2%FY 2022: 31.0%FY 2023: 29.5%FY 2024: 61.0%
FY 2015 5y median 31.0% FY 2024

Annual · latest fiscal year ends 2024-12-31