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Evans Bancorp Inc
AMEX:EVBN

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Evans Bancorp Inc
AMEX:EVBN
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Price: 44.16 USD 1.28% Market Closed
Market Cap: 244.6m USD
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Intrinsic Value

The intrinsic value of one EVBN stock under the Base Case scenario is 34.09 USD. Compared to the current market price of 44.16 USD, Evans Bancorp Inc is Overvalued by 23%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

EVBN Intrinsic Value
34.09 USD
Overvaluation 23%
Intrinsic Value
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Evans Bancorp Inc

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

Economic Moat
Evans Bancorp Inc

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Financials
Annual
Quarterly
TTM
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Quarterly
TTM

Balance Sheet Decomposition
Evans Bancorp Inc

Net Loans 1.8B
Investments 397.2m
PP&E 18.5m
Intangibles 1.9m
Other Assets 97.5m
Total Deposits 1.9B
Short Term Debt 8.3m
Long Term Debt 31.3m
Other Liabilities 153.9m
Earnings Calls

Despite a challenging interest rate environment, Evans Bancorp reported a robust quarter with a 26% sequential increase in net income, totaling $2.9 million or $0.53 per diluted share. The bank saw impressive growth in commercial loan production, with $44 million in originations and a strong $137 million pipeline, driving mid-single-digit growth expectations for 2024. Net interest margin slightly decreased to 2.71%, but exceeded expectations due to asset optimization. Cost management was effective, reducing noninterest expenses by $1.6 million year-over-year, while deposit and loan growth remained stable. The bank remains cautiously optimistic about future performance and committed to strategic priorities.

What is Earnings Call?

Wall St
Price Targets

EVBN Price Targets Summary
Evans Bancorp Inc

Wall Street analysts forecast EVBN stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for EVBN is 46.41 USD with a low forecast of 45.96 USD and a high forecast of 47.78 USD.

Lowest
Price Target
45.96 USD
4% Upside
Average
Price Target
46.41 USD
5% Upside
Highest
Price Target
47.78 USD
8% Upside
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Dividends

Dividend Yield
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Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
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0
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Shareholder Yield

Current shareholder yield for EVBN is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
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Buyback Yield
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Ownership

EVBN Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
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Profile

Evans Bancorp Inc

Country

United States of America

Industry

Banking

Market Cap

244.4m USD

Dividend Yield

2.99%

Description

Evans Bancorp, Inc. is a bank holding company, which engages in the provision of financial solutions. The company is headquartered in Angola, New York and currently employs 379 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 the Finger Lakes Region, 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. Its segments include banking activities and insurance agency activities. The banking activities segment includes both commercial and consumer banking services, including a range of lending and depository services as well as offering non-deposit investment products, such as annuities and mutual funds. The insurance agency activities segment includes the activities of selling various premium-based insurance policies on a commission basis, including business and personal insurance, employee benefits, surety bonds, and risk management.

Contact

NEW YORK
Angola
8599 Erie Road
+17169262032
www.evansbank.com

IPO

1957-05-16

Employees

379

Officers

CEO, President & Director
Mr. David John Nasca
Executive VP & Chief Growth Officer of Evans Bank, N.A
Mr. Kenneth D. Pawlak
Treasurer
Mr. John B. Connerton
Secretary
Ms. Michelle A. Baumgarden
Assistant Secretary
Mr. Nicholas J. Snyder

See Also

Discover More
What is the Intrinsic Value of one EVBN stock?

The intrinsic value of one EVBN stock under the Base Case scenario is 34.09 USD.

Is EVBN stock undervalued or overvalued?

Compared to the current market price of 44.16 USD, Evans Bancorp Inc is Overvalued by 23%.

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