Evans Bancorp, Inc. (EVBN): Price and Financial Metrics

EVBN POWR Grades

• EVBN scores best on the Stability dimension, with a Stability rank ahead of 89.56% of US stocks.
• EVBN's strongest trending metric is Growth; it's been moving down over the last 177 days.
• EVBN's current lowest rank is in the Growth metric (where it is better than 16.51% of US stocks).

EVBN Stock Summary

• Equity multiplier, or assets relative to shareholders' equity, comes in at 13.85 for EVANS BANCORP INC; that's greater than it is for 94.83% of US stocks.
• With a year-over-year growth in debt of 206.36%, EVANS BANCORP INC's debt growth rate surpasses 94.57% of about US stocks.
• EVANS BANCORP INC's shareholder yield -- a measure of how much capital is returned to stockholders via dividends and buybacks -- is -81.98%, greater than the shareholder yield of just 7.01% of stocks in our set.
• If you're looking for stocks that are quantitatively similar to EVANS BANCORP INC, a group of peers worth examining would be ATLO, SMBC, ABCB, FCF, and FRAF.
• Visit EVBN's SEC page to see the company's official filings. To visit the company's web site, go to evansbank.com.

EVBN Valuation Summary

• In comparison to the median Financial Services stock, EVBN's price/earnings ratio is 26.32% lower, now standing at 7.
• EVBN's price/sales ratio has moved down 1.4 over the prior 243 months.

Below are key valuation metrics over time for EVBN.

EVBN Growth Metrics

Its 4 year cash and equivalents growth rate is now at 71.88%.
• Its 5 year revenue growth rate is now at 40.06%.
• Its 2 year net cashflow from operations growth rate is now at -30.45%.

Over the past 49 months, EVBN's revenue has gone up $30,893,000.

The table below shows EVBN's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-09-30	90.723	24.884	22.245
2022-06-30	91.875	21.465	23.36
2022-03-31	93.006	16.523	23.939
2021-12-31	93.145	20.512	24.043
2021-09-30	90.517	11.157	24.173
2021-06-30	85.356	15	21.738

EVBN's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• EVBN has a Quality Grade of C, ranking ahead of 31.9% of graded US stocks.
• EVBN's asset turnover comes in at 0.043 -- ranking 129th of 430 Banking stocks.
• CBTX, FCBC, and PNFP are the stocks whose asset turnover ratios are most correlated with EVBN.

The table below shows EVBN's key quality metrics over time.