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NYSEMKT: EVBN
Evans Bancorp Inc Stock

$39.37-0.13 (-0.33%)
Updated Jan 27, 2023
EVBN Price
$39.37
Fair Value Price
N/A
Market Cap
$217.08M
52 Week Low
$32.53
52 Week High
$44.48
P/E
9.77x
P/B
1.45x
P/S
2.23x
PEG
1.4x
Dividend Yield
3.2%
Revenue
$90.72M
Earnings
$22.25M
Gross Margin
100%
Operating Margin
32.41%
Profit Margin
24.5%
Debt to Equity
13.21
Operating Cash Flow
$25M
Beta
0.72
Next Earnings
Feb 2, 2023
Ex-Dividend
N/A
Next Dividend
N/A

EVBN Overview

Evans Bancorp, Inc. is a bank holding company, which engages in the provision of financial solutions. The company is headquartered in Hamburg, New York and currently employs 237 full-time employees. The firm conducts its business through its subsidiaries, such as Evans Bank, N.A. (the Bank), which provides a range of banking services to consumer and commercial customers in Western New York, and Evans National Financial Services, LLC (ENFS), which hold interests in The Evans Agency, LLC (TEA), which sells various premium-based insurance policies on a commission basis. The Bank operates through over 10 banking offices in Erie County and Chautauqua County, New York. ENFS owns the business and assets of the Company's non-banking financial services subsidiaries. The firm operates in two segments, namely, banking activities and insurance agency activities. Its banking business segment includes both commercial and consumer banking services, including a range of lending and depository services. Its insurance agency segment includes the activities of selling various premium-based insurance policies on a commission basis.

Zen Score

Industry Average (36)
You've viewed Zen Score for 10/10 free stocks. Upgrade to Premium to see how EVBN scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

EVBN ($39.37) is trading above its intrinsic value of $34.03, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
EVBN is good value based on its earnings relative to its share price (9.77x), compared to the US market average (23.59x)
P/E vs Market Valuation
EVBN is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more EVBN due diligence checks available for Premium users.

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EVBN News

Valuation

EVBN price to earnings (PE)

For valuing profitable companies with steady earnings
Company
9.77x
Industry
20.14x
Market
23.59x
EVBN is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
EVBN is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

EVBN price to book (PB)

For valuing companies that are loss-making or have lots of physical asset
Company
1.45x
Industry
1.17x
EVBN is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation

EVBN price to earnings growth (PEG)

For valuing profitable companies with growth potential
EVBN is poor value relative... subscribe to Premium to read more.
PEG Value Valuation

EVBN's financial health

Profit margin

Revenue
$23.6M
Net Income
$5.9M
Profit Margin
24.8%
EVBN's Earnings (EBIT) of $29.40M... subscribe to Premium to read more.
Interest Coverage Financials
EVBN's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$2.1B
Liabilities
$2.0B
Debt to equity
13.21
EVBN's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
EVBN's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$8.5M
Investing
-$16.0M
Financing
-$70.0M
EVBN's operating cash flow ($24.88M)... subscribe to Premium to read more.
Debt Coverage Financials

EVBN vs Bank Stocks

TickerMarket Cap1d %P/EP/B
EVBN$217.08M-0.33%9.77x1.45x
TBNK$216.91M-0.92%12.59x0.84x
ATLO$217.70M0.00%10.86x1.59x
MNSB$214.80M+0.49%10.03x1.13x
CALB$214.05M+9.74%12.85x1.30x

Evans Bancorp Stock FAQ

What is Evans Bancorp's quote symbol?

NYSEMKT: EVBN) Evans Bancorp trades on the NYSEMKT under the ticker symbol EVBN. Evans Bancorp stock quotes can also be displayed as NYSEMKT: EVBN.

If you're new to stock investing, here's how to buy Evans Bancorp stock.

What is the 52 week high and low for Evans Bancorp (NYSEMKT: EVBN)?

(NYSEMKT: EVBN) Evans Bancorp's 52-week high was $44.48, and its 52-week low was $32.53. It is currently -11.48% from its 52-week high and 21.03% from its 52-week low.

How much is Evans Bancorp stock worth today?

(NYSEMKT: EVBN) Evans Bancorp currently has 5,513,950 outstanding shares. With Evans Bancorp stock trading at $39.37 per share, the total value of Evans Bancorp stock (market capitalization) is $217.08M.

Evans Bancorp stock was originally listed at a price of $15.43 in Apr 16, 2002. If you had invested in Evans Bancorp stock at $15.43, your return over the last 20 years would have been 155.22%, for an annualized return of 4.8% (not including any dividends or dividend reinvestments).

How much is Evans Bancorp's stock price per share?

(NYSEMKT: EVBN) Evans Bancorp stock price per share is $39.37 today (as of Jan 27, 2023).

What is Evans Bancorp's Market Cap?

(NYSEMKT: EVBN) Evans Bancorp's market cap is $217.08M, as of Jan 30, 2023.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Evans Bancorp's market cap is calculated by multiplying EVBN's current stock price of $39.37 by EVBN's total outstanding shares of 5,513,950.
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