Evans Bancorp Stock Analysis

EVBN Stock  USD 43.36  0.02  0.05%   
Evans Bancorp is fairly valued with Real Value of 42.93 and Target Price of 50.05. The main objective of Evans Bancorp stock analysis is to determine its intrinsic value, which is an estimate of what Evans Bancorp is worth, separate from its market price. There are two main types of Evans Bancorp's stock analysis: fundamental analysis and technical analysis.
The Evans Bancorp stock is traded in the USA on NYSE MKT Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Evans Bancorp is usually not traded on Labour Day, Thanksgiving Day, Christmas Day, New Year 's Day, National Mourning Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day, Juneteenth Holiday, Independence Day. Evans Stock trading window is adjusted to America/New York timezone.
  
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.

Evans Stock Analysis Notes

About 58.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.28. 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. Evans Bancorp, Inc. primarily operates as the financial holding company for Evans Bank, N.A. that provides a range of banking products and services to consumer and commercial customers in Western New York and the Finger Lakes Region of New York State. Evans Bancorp, Inc. was founded in 1920 and is headquartered in Williamsville, New York. Evans Bancorp operates under BanksRegional classification in the United States and is traded on AMEX Exchange. It employs 378 people. To learn more about Evans Bancorp call David Nasca at 716 926 2000 or check out https://www.evansbancorp.com.

Evans Bancorp Quarterly Total Revenue

18.04 Million

Evans Bancorp Investment Alerts

About 58.0% of the company shares are held by institutions such as insurance companies
On 31st of December 2024 Evans Bancorp paid $ 0.58 per share dividend to its current shareholders
Latest headline from news.google.com: Evans Bancorp Now Covered by Analysts at StockNews.com - MarketBeat

Evans Bancorp Upcoming and Recent Events

Earnings reports are used by Evans Bancorp to provide an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period..
1st of February 2024
Upcoming Quarterly Report
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25th of April 2024
Next Financial Report
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31st of December 2023
Next Fiscal Quarter End
View
1st of February 2024
Next Fiscal Year End
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30th of September 2023
Last Quarter Report
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31st of December 2022
Last Financial Announcement
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Evans Largest EPS Surprises

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.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2012-07-26
2012-06-300.320.360.0412 
2004-04-19
2004-03-310.390.430.0410 
2016-10-27
2016-09-300.460.510.0510 
View All Earnings Estimates

Evans Bancorp Environmental, Social, and Governance (ESG) Scores

Evans Bancorp's ESG score is a quantitative measure that evaluates Evans Bancorp's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Evans Bancorp's operations that may have significant financial implications and affect Evans Bancorp's stock price as well as guide investors towards more socially responsible investments.

Evans Market Capitalization

The company currently falls under 'Small-Cap' category with a current market capitalization of 240.15 M.

Evans Profitablity

The company has Profit Margin (PM) of 0.22 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.28 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.28.
Last ReportedProjected 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 0.16  0.11 

Management Efficiency

As of the 31st of January 2025, 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 31st of January 2025, Non Current Assets Total is likely to grow to about 2.5 B, though Other Assets are likely to grow to (2.4 M). 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 ReportedProjected for Next Year
Book Value Per Share 29.40  24.96 
Tangible Book Value Per Share 29.09  23.26 
Enterprise Value Over EBITDA 12.42  7.23 
Price Book Value Ratio 1.11  1.49 
Enterprise Value Multiple 12.42  7.23 
Price Fair Value 1.11  1.49 
Enterprise Value304.6 M319.8 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
0.0305
Operating Margin
0.2762
Profit Margin
0.2243
Forward Dividend Yield
0.0305
Beta
0.947

Technical Drivers

As of the 31st of January, Evans Bancorp shows the Semi Deviation of 1.45, mean deviation of 1.42, and Downside Deviation of 1.54. 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 Price Movement Analysis

Execute Study
The output start index for this execution was twenty-nine with a total number of output elements of thirty-two. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Evans Bancorp middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Evans Bancorp. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.

Evans Bancorp 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.
 
David Nasca over a month ago
Disposition of 2241 shares by David Nasca of Evans Bancorp at .5 subject to Rule 16b-3
 
John Connerton over two months ago
Disposition of 1320 shares by John Connerton of Evans Bancorp at 44.92 subject to Rule 16b-3
 
John Connerton over two months ago
Disposition of 2520 shares by John Connerton of Evans Bancorp at 36.12 subject to Rule 16b-3
 
Sullivan Nora B over three months ago
Acquisition by Sullivan Nora B of 679 shares of Evans Bancorp at 30.21 subject to Rule 16b-3
 
Pl Capital Advisors, Llc over six months ago
Acquisition by Pl Capital Advisors, Llc of 6680 shares of Evans Bancorp at 32.8113 subject to Rule 16b-3
 
Pl Capital Advisors, Llc over six months ago
Acquisition by Pl Capital Advisors, Llc of 20146 shares of Evans Bancorp at 25.8157 subject to Rule 16b-3
 
Pl Capital Advisors, Llc over six months ago
Acquisition by Pl Capital Advisors, Llc of 21061 shares of Evans Bancorp at 26.1234 subject to Rule 16b-3
 
Pl Capital Advisors, Llc over six months ago
Acquisition by Pl Capital Advisors, Llc of 2776 shares of Evans Bancorp at 27.75 subject to Rule 16b-3
 
Aaron Whitehouse over six months ago
Insider Trading
 
John Connerton over six months ago
Disposition of tradable shares by John Connerton of Evans Bancorp at 29.84 subject to Rule 16b-3
 
David Nasca over six months ago
Disposition of 229 shares by David Nasca of Evans Bancorp at 29.81 subject to Rule 16b-3
 
David Nasca over six months ago
Disposition of 2813 shares by David Nasca of Evans Bancorp at 29.06 subject to Rule 16b-3

Evans Bancorp Outstanding 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.

Evans Bancorp Predictive Daily 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

8K
20th of December 2024
Report filed with the SEC to announce major events that shareholders should know about
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8K
13th of December 2024
Report filed with the SEC to announce major events that shareholders should know about
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F4
4th of December 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
F4
27th 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
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 Bancorp Forecast Models

Evans Bancorp's time-series forecasting models are one of many Evans Bancorp's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Evans Bancorp's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About Evans Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Evans Bancorp prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Evans shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Evans Bancorp. By using and applying Evans Stock analysis, traders can create a robust methodology for identifying Evans entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.42  0.52 
Operating Profit Margin 0.47  0.44 
Net Profit Margin 0.30  0.40 
Gross Profit Margin 1.15  1.09 

Current Evans Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Evans analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Evans analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
50.05Hold1Odds
Evans Bancorp current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Evans analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Evans stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Evans Bancorp, talking to its executives and customers, or listening to Evans conference calls.
Evans Analyst Advice Details

Evans Stock Analysis Indicators

Evans Bancorp stock analysis indicators help investors evaluate how Evans Bancorp stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Evans Bancorp shares will generate the highest return on investment. By understating and applying Evans Bancorp stock analysis, traders can identify Evans Bancorp position entry and exit signals to maximize returns.
Begin Period Cash Flow23.1 M
Total Stockholder Equity178.2 M
Capital Lease Obligations4.1 M
Property Plant And Equipment Net19.2 M
Cash And Short Term Investments23.5 M
Net Invested Capital354.5 M
Cash23.5 M
50 Day M A43.672
Net Interest Income61.2 M
Total Current Liabilities4.1 M
Investments89.4 M
Interest Expense35.6 M
Stock Based Compensation980 K
Long Term Debt176.3 M
Common Stock Shares Outstanding5.5 M
Tax Provision10.2 M
Quarterly Earnings Growth Y O Y-0.197
Free Cash Flow15.2 M
Other Current Assets23.5 M
Net Debt166.4 M
Other Operating Expenses94.1 M
Non Current Assets Total2.1 B
Liabilities And Stockholders Equity2.1 B
Non Currrent Assets Other2.1 B
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 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 Idea Breakdown module to analyze constituents of all Macroaxis ideas. Macroaxis investment ideas are predefined, sector-focused investing themes.
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.
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.