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Evans Bancorp, Inc. EVBN NYSE

NYSE • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Evans Bancorp, Inc. (EVBN) is a Banks - Regional company in the Financial Services sector, currently trading at $39.53. It has a SharesGrow Score of 54/100, indicating a mixed investment profile with 3 out of 7 criteria passed.

Financials: revenue is $69M, -7.9%/yr average growth. Net income is $12M, growing at -16.2%/yr. Net profit margin is 17.3% (healthy). Gross margin is 100% (+0 pp trend).

Balance sheet: total debt is $115M against $183M equity (Debt-to-Equity (D/E) ratio 0.63, moderate). Current ratio is 3.59 (strong liquidity). Debt-to-assets is 5.3%. Total assets: $2.2B.

Analyst outlook: 1 / 4 analysts rate EVBN as buy (25%) — mixed sentiment.

SharesGrow 7-Criteria breakdown: Value 75/100 (Pass), Growth 15/100 (Fail), Past 100/100 (Pass), Health 50/100 (Partial), Moat 46/100 (Partial), Future 20/100 (Fail), Income 70/100 (Pass).

EVBN SharesGrow Score Overview

54/100

SharesGrow Score

Mixed signals — some strengths

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VALUE 75/100

Valuation — P/E, PEG, Forward PEG

GROWTH 15/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 50/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 46/100

Gross margin is + market cap

FUTURE 20/100

Analyst outlook — as buy

INCOME 70/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — EVBN

EVBN trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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EVBN: -7.9%/yr revenue is, -16.2%/yr Net income is average growth. weak. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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EVBN: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet EVBN: Debt-to-Equity (D/E) ratio 0.63 (moderate), Current ratio is 3.59 (strong liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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EVBN: Gross margin is 100% (+0 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 46/100. ≥ 70 = Pass.

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Analyst outlook: 1 / 4 analysts rate EVBN as buy (25%). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.

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EVBN: Net profit margin is 17.3%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range25.595-46.21

Volume34.41K

Avg Volume (30D)23.03K

Market Cap$220.08M

Beta (1Y)0.75

Dividend Yield$1.3200

Share Statistics

EPS (TTM)2.15

Shares Outstanding$5.53M

IPO Date2002-04-16

Employees266

CEODavid John Nasca

Financial Highlights & Ratios

Revenue (TTM)$69.21M

Gross Profit$69.21M

Net Income$11.95M

Operating Income$13.74M

Total Cash$14.62M

Total Debt$115.35M

Net Debt$72.64M

Total Assets$2.19B

Price / Earnings (P/E)18.4

Price / Sales (P/S)3.18

Analyst Forecast

Rating ConsensusHold

Analysts Covering4

Buy 25% Hold 75% Sell 0%

Company Info

CountryUS

ExchangeNYSE

CurrencyUSD

ISINUS29911Q2084

Price Chart

EVBN

Evans Bancorp, Inc. ↗ · NYSE

Financial Services • Banks - Regional

25.60 52WK RANGE 46.21

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