Evans Financial Statements From 2010 to 2025

EVBN Stock  USD 39.28  0.13  0.33%   
Evans Bancorp financial statements provide useful quarterly and yearly information to potential Evans Bancorp investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Evans Bancorp financial statements helps investors assess Evans Bancorp's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Evans Bancorp's valuation are summarized below:
Gross Profit
68.4 M
Profit Margin
0.1747
Market Capitalization
219.4 M
Enterprise Value Revenue
4.805
Revenue
68.4 M
We have found one hundred twenty available fundamental signals for Evans Bancorp, which can be analyzed and compared to other ratios and to its rivals. Self-guided Investors are advised to verify Evans Bancorp's prevailing fundamentals against the trend between 2010 and 2025 to make sure the company can sustain itself down the road. As of the 19th of March 2025, Market Cap is likely to grow to about 252.5 M. Also, Enterprise Value is likely to grow to about 241.4 M

Evans Bancorp Total Revenue

41.68 Million

Check Evans Bancorp financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Evans Bancorp's main balance sheet or income statement drivers, such as Depreciation And Amortization of 1.3 M, Interest Expense of 53.5 M or Selling And Marketing Expenses of 726.3 K, as well as many indicators such as Price To Sales Ratio of 6.31, Dividend Yield of 0.0233 or PTB Ratio of 1.49. Evans financial statements analysis is a perfect complement when working with Evans Bancorp Valuation or Volatility modules.
  
Check out the analysis of Evans Bancorp Correlation against competitors.
To learn how to invest in Evans Stock, please use our How to Invest in Evans Bancorp guide.

Evans Bancorp Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets2.3 B2.2 B1.4 B
Slightly volatile
Total Stockholder Equity192.3 M183.1 M123.3 M
Slightly volatile
Property Plant And Equipment Net3.6 M3.8 M11.8 M
Pretty Stable
Retained Earnings150.1 M142.9 M75.8 M
Slightly volatile
Cash13.9 M14.6 M42.4 M
Pretty Stable
Non Current Assets Total5.4 M5.7 M629.3 M
Very volatile
Cash And Short Term Investments13.9 M14.6 M150.7 M
Pretty Stable
Common Stock Total Equity1.9 M3.2 M2.4 M
Slightly volatile
Common Stock Shares OutstandingM5.5 M4.6 M
Slightly volatile
Liabilities And Stockholders Equity2.3 B2.2 B1.4 B
Slightly volatile
Other Stockholder Equity42.8 M74.3 M55 M
Slightly volatile
Total Liabilities2.1 BB1.2 B
Slightly volatile
Property Plant And Equipment Gross33.7 M32.1 M19.7 M
Slightly volatile
Total Current Assets13.9 M14.6 M95.1 M
Slightly volatile
Common Stock10.4 M9.9 M3.3 M
Slightly volatile
Short and Long Term Debt Total3.9 M4.1 M67.3 M
Slightly volatile
Total Current Liabilities3.9 M4.1 M445.3 M
Slightly volatile
Non Current Liabilities Total2.1 BB522 M
Slightly volatile
Short Term Debt3.9 M4.1 M21.9 M
Pretty Stable
Other Liabilities11.4 M19.4 M13 M
Slightly volatile
Accounts Payable2.1 BB656.4 M
Slightly volatile
Long Term Debt116.8 M111.3 M65.9 M
Slightly volatile
Good Will1.9 MM8.1 M
Very volatile
Short Term Investments108.7 M165.9 M148 M
Slightly volatile
Intangible Assets74.1 K78 K930 K
Pretty Stable
Property Plant Equipment11.6 M19.5 M13.2 M
Slightly volatile
Net Tangible Assets117 M161.1 M109.7 M
Slightly volatile
Retained Earnings Total Equity71.2 M141.9 M71.2 M
Slightly volatile
Long Term Debt Total270.6 M257.7 M88.3 M
Slightly volatile
Capital Surpluse62.1 M93.2 M59.7 M
Slightly volatile
Long Term Investments512.5 M263 M628.6 M
Slightly volatile
Non Current Liabilities Other28.7 M33.1 M26.6 M
Slightly volatile
Net Receivables16.6 M15.8 M8.6 M
Slightly volatile
Short and Long Term Debt10.9 M11.5 M29.2 M
Slightly volatile
Earning Assets154.6 M186.5 M140.9 M
Slightly volatile
Net Invested Capital238.3 M294.4 M218.6 M
Pretty Stable
Capital Stock2.9 M2.8 M2.6 M
Slightly volatile
Capital Lease Obligations3.7 M4.1 M4.3 M
Pretty Stable

Evans Bancorp Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization1.3 M1.2 M1.1 M
Slightly volatile
Interest Expense53.5 M51 M13.8 M
Slightly volatile
Selling And Marketing Expenses726.3 K935 K941.9 K
Slightly volatile
Total Revenue41.7 M69.2 M56.3 M
Slightly volatile
Gross Profit42.9 M69.2 M56.4 M
Slightly volatile
Other Operating Expenses35.3 M69.2 M46.8 M
Slightly volatile
EBITDA400.9 K422.1 K16.4 M
Pretty Stable
Income Before Tax11.6 M14.3 M15.9 M
Slightly volatile
Net Income8.9 M12 M12.2 M
Slightly volatile
Income Tax Expense2.8 M2.3 M3.7 M
Slightly volatile
Selling General Administrative22.2 M32 M27.7 M
Slightly volatile
Net Income Applicable To Common Shares27 M25.7 M14.1 M
Slightly volatile
Net Income From Continuing Ops14.5 M12 M12.8 M
Slightly volatile
Tax Provision2.2 M2.3 M4.3 M
Pretty Stable
Net Interest Income58.8 M59 M47 M
Slightly volatile
Interest Income74.6 M109.9 M58.2 M
Slightly volatile
Reconciled Depreciation990.1 K1.2 M1.5 M
Slightly volatile

Evans Bancorp Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Begin Period Cash Flow32.6 M23.5 M46 M
Slightly volatile
Depreciation1.6 M1.2 M1.5 M
Pretty Stable
Dividends Paid7.7 M7.3 M4.4 M
Slightly volatile
Capital Expenditures325.9 K343 K1.6 M
Very volatile
Net Income8.9 M12 M12.2 M
Slightly volatile
End Period Cash Flow34 M42.7 M47.9 M
Pretty Stable
Change To Netincome48.6 M88.1 M48.4 M
Slightly volatile
Issuance Of Capital Stock761.5 K851 K976.5 K
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio6.313.47424.7111
Slightly volatile
Dividend Yield0.02330.03030.0282
Slightly volatile
PTB Ratio1.491.31281.251
Very volatile
Days Sales Outstanding25.1224.7622.2848
Pretty Stable
Book Value Per Share25.0132.981947.0878
Pretty Stable
Stock Based Compensation To Revenue0.0090.00940.0105
Slightly volatile
Capex To Depreciation0.360.381.2257
Pretty Stable
PB Ratio1.491.31281.251
Very volatile
EV To Sales3.163.32184.3315
Slightly volatile
Net Income Per Share1.542.15282.4847
Slightly volatile
Sales General And Administrative To Revenue0.470.46170.4814
Pretty Stable
Capex To Revenue0.00470.0050.1185
Slightly volatile
Cash Per Share2.52.633130.7334
Pretty Stable
Payout Ratio0.340.60970.3326
Slightly volatile
Income Quality0.70.741.2062
Slightly volatile
ROE0.110.06530.103
Pretty Stable
PE Ratio15.7320.113612.8387
Very volatile
Return On Tangible Assets0.01070.00550.0095
Very volatile
Earnings Yield0.06460.04970.0874
Very volatile
Intangibles To Total Assets8.0E-48.0E-40.0074
Slightly volatile
Current Ratio3.413.590616.9586
Slightly volatile
Tangible Book Value Per Share23.3732.649545.2537
Pretty Stable
Receivables Turnover12.8215.2616.3584
Pretty Stable
Graham Number22.6439.969536.3295
Slightly volatile
Shareholders Equity Per Share34.6332.981925.2138
Slightly volatile
Debt To Equity0.02110.02220.5016
Very volatile
Capex Per Share0.05870.06180.3517
Pretty Stable
Revenue Per Share7.2612.463211.4679
Slightly volatile
Interest Debt Per Share12.439.908815.0225
Slightly volatile
Debt To Assets0.00180.00190.0441
Pretty Stable
Enterprise Value Over EBITDA7.2312.429.0147
Slightly volatile
Price Earnings Ratio15.7320.113612.8387
Very volatile
Operating Cycle25.1224.7622.2848
Pretty Stable
Price Book Value Ratio1.491.31281.251
Very volatile
Dividend Payout Ratio0.340.60970.3326
Slightly volatile
Pretax Profit Margin0.20.20620.3883
Slightly volatile
Effective Tax Rate0.170.16220.2237
Pretty Stable
Company Equity Multiplier8.711.94410.9087
Slightly volatile
Long Term Debt To Capitalization0.340.170.2793
Pretty Stable
Total Debt To Capitalization0.02070.02180.2979
Pretty Stable
Debt Equity Ratio0.02110.02220.5016
Very volatile
Quick Ratio3.413.590618.5495
Slightly volatile
Net Income Per E B T1.070.83780.7913
Slightly volatile
Cash Ratio2.743.59065.0918
Slightly volatile
Cash Conversion Cycle25.1224.7622.2848
Pretty Stable
Days Of Sales Outstanding25.1224.7622.2848
Pretty Stable
Free Cash Flow Operating Cash Flow Ratio0.651.12440.8225
Pretty Stable
Price To Book Ratio1.491.31281.251
Very volatile
Fixed Asset Turnover18.9818.07896.6414
Slightly volatile
Enterprise Value Multiple7.2312.429.0147
Slightly volatile
Debt Ratio0.00180.00190.0441
Pretty Stable
Price Sales Ratio6.313.47424.7111
Slightly volatile
Return On Assets0.01060.00550.0094
Very volatile
Asset Turnover0.03410.03160.0412
Very volatile
Net Profit Margin0.160.17270.2935
Slightly volatile
Gross Profit Margin1.091.151.595
Slightly volatile
Price Fair Value1.491.31281.251
Very volatile
Return On Equity0.110.06530.103
Pretty Stable

Evans Bancorp Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap252.5 M240.4 M149.5 M
Slightly volatile
Enterprise Value241.4 M229.9 M170 M
Slightly volatile

Evans Fundamental Market Drivers

Cash And Short Term Investments14.6 M

Evans Upcoming Events

1st of February 2024
Upcoming Quarterly Report
View
25th of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
1st of February 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

About Evans Bancorp Financial Statements

Evans Bancorp investors utilize fundamental indicators, such as revenue or net income, to predict how Evans Stock might perform in the future. Analyzing these trends over time helps investors make informed market timing decisions. For further insights, please visit our fundamental analysis page.
Last ReportedProjected for Next Year
Current Deferred RevenueM1.1 M
Total Revenue69.2 M41.7 M
Cost Of Revenue-16.2 K-15.4 K
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.46  0.47 
Revenue Per Share 12.46  7.26 
Ebit Per Revenue(1.10)(1.05)

Pair Trading with Evans Bancorp

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Evans Bancorp position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Evans Bancorp will appreciate offsetting losses from the drop in the long position's value.

Moving together with Evans Stock

  0.88AX Axos FinancialPairCorr
  0.92BY Byline BancorpPairCorr
  0.83PB Prosperity BancsharesPairCorr

Moving against Evans Stock

  0.8VBFC Village BankPairCorr
  0.51TECTP Tectonic FinancialPairCorr
  0.42KEY-PI KeyCorpPairCorr
The ability to find closely correlated positions to Evans Bancorp could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Evans Bancorp when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Evans Bancorp - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Evans Bancorp to buy it.
The correlation of Evans Bancorp is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Evans Bancorp moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Evans Bancorp moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Evans Bancorp can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching
When determining whether Evans Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Evans Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Evans Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Evans Bancorp Stock:
Check out the analysis of Evans Bancorp Correlation against competitors.
To learn how to invest in Evans Stock, please use our How to Invest in Evans Bancorp guide.
You can also try the Share Portfolio module to track or share privately all of your investments from the convenience of any device.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Evans Bancorp. If investors know Evans will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Evans Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.64)
Dividend Share
1.32
Earnings Share
2.16
Revenue Per Share
12.376
Quarterly Revenue Growth
(0.42)
The market value of Evans Bancorp is measured differently than its book value, which is the value of Evans that is recorded on the company's balance sheet. Investors also form their own opinion of Evans Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Evans Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Evans Bancorp's market value can be influenced by many factors that don't directly affect Evans Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Evans Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Evans Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Evans Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.