NYSEMKT: EVBNEvans Bancorp Inc Stock
$35.94-0.16 (-0.44%)
Updated Apr 21, 2025
EVBN Price
$35.94
Fair Value Price
N/A
Market Cap
$200.09M
52 Week Low
$24.07
52 Week High
$46.21
P/E
16.64x
P/B
1.09x
P/S
3.54x
PEG
N/A
Dividend Yield
3.67%
Revenue
$67.69M
Earnings
$11.95M
Gross Margin
100%
Operating Margin
21.08%
Profit Margin
17.7%
Debt to Equity
10.94
Operating Cash Flow
-$3M
Beta
0.53
Next Earnings
Apr 28, 2025
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 Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine EVBN's potential to beat the market
- EVBN doesn't meet the minimum data requirements for our proprietary Zen Ratings model. Learn more about Zen Ratings.
Zen Rating Component Grades
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Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
F
EVBN
RankedUnranked of 296
RankedUnranked of 296
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $12.60 | B | |
| $14.23 | B | |
| $30.90 | B |
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EVBN News
Overview
Due Diligence Score
–
Industry Average (33)
You've viewed Due Diligence 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 was unprofitable, so we are unable to calculate its intrinsic value according to an updated version of Benjamin Graham's Formula from "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
EVBN is good value based on its earnings relative to its share price (16.64x), compared to the US market average (27.14x)
P/E vs Market Valuation
EVBN is poor 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.
Valuation
EVBN price to earnings (PE)
For valuing profitable companies with steady earnings
Company
16.64x
Industry
13.07x
Market
27.14x
EVBN is poor 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
1.09x
Industry
1.07x
EVBN is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
EVBN's financial health
Profit margin
Revenue
$17.9M
Net Income
$3.7M
Profit Margin
20.9%
EVBN's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$2.2B
Liabilities
$2.0B
Debt to equity
10.94
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
-$4.0M
Investing
$5.7M
Financing
-$87.1M
EVBN vs Bank Stocks
Evans Bancorp Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.
Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.