MarketCapExport financials
Evans Bancorp (EVBN)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
CSV downloads as a ZIP archive with one file for each report and frequency.
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Evans Bancorp Financial Ratios 2024-2008 | EVBN
Brief overview of Evans Bancorp's market valuation
This overview follows the five latest available observations from 2020 through 2024.
The current valuation set is P/E 18.75x (median 9.51x), P/B 1.22x (median 1.19x), P/CF 10.25x (median 10.7x). Current valuation broadly matches recent historical reference points; the difference from five-year medians is +2.5%.
Earnings yield calculated as 1/P/E is about 5.3%, showing current profit per unit of share price.
The latest available business-quality ratios are ROE 6.5%, ROA 0.5%. Profitability remains low. Market valuation has limited fundamental support until resource returns improve.
The PEG ratio is 3.87x; investors pay a high price per unit of expected growth.
High leverage is part of the financial-sector model, so valuation should be linked to capital, asset quality and ROE.
What the ratios show
Evans Bancorp's profile looks neutral, with price and fundamental efficiency broadly aligned.
Annual Financial Ratios Evans Bancorp
| 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
18.8 | 6.6 | 9.5 | 9.1 | 12.4 | 11.4 | 10.4 | 19.7 | 19.1 | 13.5 | 12.1 | 12.3 | 8.7 | 8.5 | - | - | - |
P/S |
342.3 | 15.7 | 20.4 | 21.0 | 13.1 | 2.8 | 2.8 | 4.0 | 3.6 | 2.3 | 2.4 | 2.4 | 1.7 | 1.3 | - | - | - |
EPS |
2.2 | 4.5 | 4.1 | 4.4 | 2.1 | 3.5 | 3.4 | 2.2 | 1.9 | 1.9 | 2.0 | 1.9 | 2.0 | 1.5 | 1.3 | 0.2 | - |
EV (Enterprise Value) |
2.19 B | 2.07 B | 2.21 B | 2 B | 1.92 B | 1.47 B | 1.39 B | 1.36 B | 1.15 B | 931 M | 850 M | 808 M | 715 M | 709 M | 595 M | -13 M | -9.15 M |
EBITDA per Share |
0.22 | 0.29 | 0.3 | 0.23 | 0.23 | - | - | - | - | - | - | - | - | - | 0.51 | 0.61 | - |
EV/EBITDA |
1768.4 | 1326.5 | 1344.4 | 1587.2 | 310.5 | - | - | - | - | - | - | - | - | - | 320.4 | -7.6 | - |
PEG |
- | - | - | - | -0.42 | 3.87 | 0.19 | 1.41 | 4.34 | -2.51 | 2.93 | -3.02 | 0.28 | 0.75 | - | - | - |
P/B |
1.2 | 0.9 | 1.4 | 1.2 | 0.8 | 1.3 | 1.3 | 1.7 | 1.6 | 1.2 | 1.2 | 1.2 | 0.9 | 0.7 | - | - | - |
P/CF |
-81.3 | 10.3 | 8.1 | 10.7 | 17.9 | 11.9 | 7.1 | 15.9 | 15.7 | 17.1 | 9.5 | 7.3 | 5.8 | 5.1 | - | - | - |
ROE % |
6.53 | 13.76 | 14.54 | 13.07 | 6.66 | 11.46 | 12.42 | 8.85 | 8.55 | 8.59 | 9.54 | 9.73 | 10.87 | 8.86 | 7.67 | 1.54 | - |
ROA % |
0.55 | 1.16 | 1.03 | 1.09 | 0.55 | 1.17 | 1.18 | 0.81 | 0.75 | 0.84 | 0.97 | 0.94 | 1.00 | 0.82 | 0.72 | - | - |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1.1 | - | - |
DSO |
- | - | - | - | - | 45.3 | 56.2 | 82.1 | 44.1 | 21.5 | 21.3 | 22.1 | 21.5 | - | - | - | - |
All numbers in USD currency
Quarterly Financial Ratios Evans Bancorp
| 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
0.53 | 0.53 | 0.42 | - | 0.66 | 0.9 | 1.07 | - | 1.06 | 1.04 | 0.86 | - | 1.28 | 1.16 | 0.89 | 1.12 | 0.85 | 0.09 | 0.04 | 0.76 | 1.05 | 0.9 | 0.77 | 0.92 | 0.99 | 0.79 | 0.69 | 0.21 | 0.78 | 0.55 | 0.68 | 0.54 | 0.52 | 0.47 | 0.4 | 0.41 | 0.59 | 0.4 | 0.45 | 0.55 | 0.55 | 0.38 | 0.48 | 0.4 | 0.59 | 0.46 | 0.44 | 0.51 | 0.51 | 0.36 | 0.58 | 0.33 | 0.47 | 0.24 | 0.46 |
EBITDA per Share |
0.17 | 0.11 | 0.05 | - | 0.22 | 0.16 | 0.07 | - | 0.23 | 0.16 | 0.09 | - | 0.27 | 0.17 | 0.08 | - | 0.39 | 0.25 | 0.11 | - | 0.31 | 0.2 | 0.1 | - | 0.28 | 0.18 | 0.09 | - | 0.28 | 0.18 | 0.09 | - | 0.25 | 0.15 | 0.08 | - | 0.26 | 0.18 | 0.08 | - | 0.26 | 0.18 | 0.09 | - | 0.34 | 0.24 | 0.14 | - | 0.28 | 0.15 | 0.08 | - | 0.26 | 0.16 | 0.09 |
ROE % |
6.98 | 8.48 | 10.49 | 9.15 | 13.07 | 14.20 | 13.91 | 10.24 | 14.15 | 13.83 | 13.21 | 10.40 | 13.97 | 12.86 | 9.55 | 6.79 | 5.74 | 6.52 | 9.33 | 11.96 | 12.81 | 13.07 | 13.03 | 13.03 | 10.49 | 9.84 | 9.04 | 9.07 | 10.65 | 9.80 | 9.65 | 8.72 | 8.22 | 8.69 | 8.48 | 8.82 | 9.58 | 9.51 | 9.52 | 9.82 | 9.20 | 9.58 | 10.17 | 10.04 | 10.81 | 10.59 | 10.17 | 11.17 | 10.27 | 10.21 | 9.61 | 8.95 | 2.82 | 1.47 | 2.72 |
ROA % |
0.53 | 0.63 | 0.77 | 0.67 | 0.94 | 1.03 | 1.02 | 0.75 | 1.07 | 1.09 | 1.05 | 0.84 | 1.14 | 1.03 | 0.76 | 0.55 | 0.51 | 0.65 | 0.92 | 1.16 | 1.23 | 1.22 | 1.20 | 1.19 | 0.95 | 0.91 | 0.85 | 0.88 | 1.02 | 0.91 | 0.89 | 0.79 | 0.76 | 0.83 | 0.82 | 0.85 | 0.94 | 0.94 | 0.95 | 0.97 | 0.90 | 0.92 | 0.97 | 0.95 | 1.01 | 0.99 | 0.94 | 1.03 | 0.95 | 0.94 | 0.89 | 0.83 | 0.26 | 0.14 | 0.25 |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 |
DSO |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 68.2 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Operating Cycle |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 68.2 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash Conversion Cycle |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 68.2 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Multiples are an important financial analysis tool for the company Evans Bancorp, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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