Evans Bancorp Inc
AMEX:EVBN
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Intrinsic Value
The intrinsic value of one EVBN stock under the Base Case scenario is 48.41 USD. Compared to the current market price of 44.3 USD, Evans Bancorp Inc is Undervalued by 8%.
The Intrinsic Value is calculated as the average of DCF and Relative values:
Valuation Backtest
Evans Bancorp Inc
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Fundamental Analysis
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Balance Sheet Decomposition
Evans Bancorp Inc
Net Loans | 1.7B |
Investments | 377.4m |
Intangibles | 1.9m |
Other Assets | 135.6m |
Total Deposits | 1.9B |
Short Term Debt | 7.7m |
Long Term Debt | 31.2m |
Other Liabilities | 149.3m |
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
According to Wall Street analysts, the average 1-year price target for EVBN is 43.17 USD with a low forecast of 42.74 USD and a high forecast of 44.44 USD.
Dividends
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?
Ownership
EVBN Insider Trading
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Profile
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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.
Officers
The intrinsic value of one EVBN stock under the Base Case scenario is 48.41 USD.
Compared to the current market price of 44.3 USD, Evans Bancorp Inc is Undervalued by 8%.