Is Evans Bancorp Stock a Good Investment?
Evans Bancorp Investment Advice | EVBN |
- Examine Evans Bancorp's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Evans Bancorp's leadership team and their track record. Good management can help Evans Bancorp navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Evans Bancorp's business and its evolving consumer preferences.
- Compare Evans Bancorp's performance and market position to its competitors. Analyze how Evans Bancorp is positioned in terms of product offerings, innovation, and market share.
- Check if Evans Bancorp pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Evans Bancorp's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Evans Bancorp stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Evans Bancorp is a good investment.
Sell | Buy |
Strong Buy
Market Performance | Good | Details | |
Volatility | Very steady | Details | |
Hype Condition | Over hyped | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Actively responds to the market | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Hold | Details | |
Financial Strenth (F Score) | Frail | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Evans Bancorp Stock
Researching Evans Bancorp's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 55.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.27. Some equities with similar Price to Book (P/B) outperform the market in the long run. Evans Bancorp last dividend was issued on the 12th of September 2024. The entity had 105:100 split on the 10th of November 2005.
To determine if Evans Bancorp is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Evans Bancorp's research are outlined below:
| Evans Bancorp has a frail financial position based on the latest SEC disclosures | |
| About 55.0% of the company shares are held by institutions such as insurance companies | |
| On 10th of October 2024 Evans Bancorp paid $ 0.66 per share dividend to its current shareholders | |
| Latest headline from investing.com: Disposition of 109 shares by John Connerton of Evans Bancorp at 43.2846 subject to Rule 16b-3 |
Evans Bancorp Quarterly Liabilities And Stockholders Equity |
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Evans Bancorp uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Evans Bancorp. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Evans Bancorp's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 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 |
Earnings surprises can significantly impact Evans Bancorp's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Evans Bancorp's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2012-07-26 | 2012-06-30 | 0.32 | 0.36 | 0.04 | 12 | ||
2004-04-19 | 2004-03-31 | 0.39 | 0.43 | 0.04 | 10 | ||
2016-10-27 | 2016-09-30 | 0.46 | 0.51 | 0.05 | 10 | ||
2014-02-06 | 2013-12-31 | 0.44 | 0.39 | -0.05 | 11 | ||
2015-07-30 | 2015-06-30 | 0.45 | 0.39 | -0.06 | 13 | ||
2015-04-29 | 2015-03-31 | 0.5 | 0.44 | -0.06 | 12 | ||
2010-10-28 | 2010-09-30 | 0.37 | 0.31 | -0.06 | 16 | ||
2005-04-18 | 2005-03-31 | 0.41 | 0.47 | 0.06 | 14 |
Evans Bancorp's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 241.59 M.Market Cap |
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Evans Bancorp's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.02 | 0.01 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.14 | 0.11 |
Determining Evans Bancorp's profitability involves analyzing its financial statements and using various financial metrics to determine if Evans Bancorp is a good buy. For example, gross profit margin measures Evans Bancorp's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Evans Bancorp's profitability and make more informed investment decisions.
Evaluate Evans Bancorp's management efficiency
As of the 22nd of November 2024, Return On Tangible Assets is likely to drop to 0.01. In addition to that, Return On Capital Employed is likely to drop to 0.01. At this time, Evans Bancorp's Total Assets are very stable compared to the past year. As of the 22nd of November 2024, Non Current Assets Total is likely to grow to about 2.2 B, while Other Assets are likely to drop 0.95. Evans Bancorp's management efficiency ratios could be used to measure how well Evans Bancorp manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 32.66 | 24.96 | |
| Tangible Book Value Per Share | 32.32 | 23.26 | |
| Enterprise Value Over EBITDA | 12.42 | 7.23 | |
| Price Book Value Ratio | 0.97 | 1.49 | |
| Enterprise Value Multiple | 12.42 | 7.23 | |
| Price Fair Value | 0.97 | 1.49 | |
| Enterprise Value | 338.4 M | 355.3 M |
Evans Bancorp's management has consistently demonstrated strong leadership, driving both financial growth and operational excellence. By analyzing current market trends and future growth opportunities, we assess the stock's true value and potential for investors.
Dividend Yield 0.0303 | Forward Dividend Yield 0.0303 | Forward Dividend Rate 1.32 | Beta 0.947 |
Basic technical analysis of Evans Stock
As of the 22nd of November, Evans Bancorp shows the Mean Deviation of 1.57, semi deviation of 1.28, and Downside Deviation of 1.59. Evans Bancorp technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices.Evans Bancorp's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Evans Bancorp insiders, such as employees or executives, is commonly permitted as long as it does not rely on Evans Bancorp's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Evans Bancorp insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Evans Bancorp's Outstanding Corporate Bonds
Evans Bancorp issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Evans Bancorp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Evans bonds can be classified according to their maturity, which is the date when Evans Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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Understand Evans Bancorp's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Evans Bancorp's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.1568 | |||
| Market Risk Adjusted Performance | 0.2722 | |||
| Mean Deviation | 1.57 | |||
| Semi Deviation | 1.28 | |||
| Downside Deviation | 1.59 | |||
| Coefficient Of Variation | 507.84 | |||
| Standard Deviation | 2.27 | |||
| Variance | 5.14 | |||
| Information Ratio | 0.1486 | |||
| Jensen Alpha | 0.2709 | |||
| Total Risk Alpha | 0.1408 | |||
| Sortino Ratio | 0.2115 | |||
| Treynor Ratio | 0.2622 | |||
| Maximum Drawdown | 13.27 | |||
| Value At Risk | (2.22) | |||
| Potential Upside | 2.8 | |||
| Downside Variance | 2.54 | |||
| Semi Variance | 1.65 | |||
| Expected Short fall | (1.94) | |||
| Skewness | 1.85 | |||
| Kurtosis | 7.74 |
| Risk Adjusted Performance | 0.1568 | |||
| Market Risk Adjusted Performance | 0.2722 | |||
| Mean Deviation | 1.57 | |||
| Semi Deviation | 1.28 | |||
| Downside Deviation | 1.59 | |||
| Coefficient Of Variation | 507.84 | |||
| Standard Deviation | 2.27 | |||
| Variance | 5.14 | |||
| Information Ratio | 0.1486 | |||
| Jensen Alpha | 0.2709 | |||
| Total Risk Alpha | 0.1408 | |||
| Sortino Ratio | 0.2115 | |||
| Treynor Ratio | 0.2622 | |||
| Maximum Drawdown | 13.27 | |||
| Value At Risk | (2.22) | |||
| Potential Upside | 2.8 | |||
| Downside Variance | 2.54 | |||
| Semi Variance | 1.65 | |||
| Expected Short fall | (1.94) | |||
| Skewness | 1.85 | |||
| Kurtosis | 7.74 |
Consider Evans Bancorp's intraday indicators
Evans Bancorp intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Evans Bancorp stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Evans Bancorp Corporate Filings
F4 | 18th of November 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
13A | 12th of November 2024 An amended filing to the original Schedule 13G | ViewVerify |
10Q | 8th of November 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
| 7th of November 2024 Other Reports | ViewVerify |
Evans Stock media impact
Far too much social signal, news, headlines, and media speculation about Evans Bancorp that are available to investors today. That information is available publicly through Evans media outlets and privately through word of mouth or via Evans internal channels. However, regardless of the origin, that massive amount of Evans data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Evans Bancorp news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Evans Bancorp relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Evans Bancorp's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Evans Bancorp alpha.
Evans Bancorp Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Evans Bancorp can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Evans Bancorp Corporate Management
| Nicholas Snyder | Sr. VP and Controller | Profile | |
| Michelle Baumgarden | Corporate Secretary | Profile | |
| Kenneth Pawlak | NA Bank | Profile | |
| Aaron Whitehouse | LLC Agency | Profile |
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in Evans Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics. To learn how to invest in Evans Stock, please use our How to Invest in Evans Bancorp guide.You can also try the Equity Valuation module to check real value of public entities based on technical and fundamental data.
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 (0.20) | Dividend Share 1.32 | Earnings Share 3.35 | Revenue Per Share 14.907 | Quarterly Revenue Growth (0.1) |
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.
In summary, please note that there is a difference between Evans Bancorp's value and its price, as these two are different measures arrived at by various 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.