Market cap
$220 Mln
Revenue (TTM)
$82 Mln
P/E Ratio
18.3
P/B Ratio
1.2
Div. Yield
3.3 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | 73.68 | -2.75 | -12.95 | -3.90 | 3.27 |
| EBIT | 18.89 | -74.31 | -64.19 | -21.69 | -8.12 |
| Net Profit | 26.78 | -63.33 | -51.26 | -20.78 | -6.82 |
| EPS | 26.78 | -69.44 | -59.38 | -23.09 | -10.15 |
| Book Value | -- | -- | -14.36 | -0.14 | 0.56 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | Dec-24 | Dec-23 | Dec-22 |
| EBIT-Margin
| 15.39 | 20.01 | -- | -1.27 | 32.04 |
| Net Margin
| -- | -- | -- | -- | -- |
| Return on equity
| 11.54 | 11.07 | 6.62 | 14.76 | 13.25 |
| Return on Capital
| 5.72 | 6.40 | 3.59 | 6.53 | 7.04 |
| Return on Assets
| 0.91 | 0.90 | 0.56 | 1.14 | 1.02 |
| Debt to Equity (x)
| -- | -- | 0.63 | 1.07 | 1.49 |
Profitability
ROCE
3.59
--
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Evans Bancorp (EVBN)
|
3.59
|
6.53
|
7.04
|
9.56
|
5.30
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
6.62
--
Profit after tax / Average Net worth * 100
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Evans Bancorp (EVBN)
|
6.62
|
14.76
|
13.25
|
13.63
|
7.09
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROA
0.56
--
Profit after tax / Average Total assets * 100
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Evans Bancorp (EVBN)
|
0.56
|
1.14
|
1.02
|
1.13
|
0.64
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
EBIT Margin
--
--
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Evans Bancorp (EVBN)
|
--
|
-1.27
|
32.04
|
33.67
|
15.60
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Net Margin
17.27
--
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Evans Bancorp (EVBN)
|
17.27
|
26.06
|
24.28
|
26.24
|
14.77
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Revenue Growth
-0.26
--
Year on year growth in net sales
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Evans Bancorp (EVBN)
|
-0.26
|
0.02
|
0.01
|
0.20
|
0.09
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
EBIT Growth
--
--
Year on year growth in operating profit (EBIT)
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Evans Bancorp (EVBN)
|
--
|
-104.03
|
-4.20
|
159.67
|
-47.30
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Net Profit Growth
-51.26
--
Year on year growth in profit after tax
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Evans Bancorp (EVBN)
|
-51.26
|
9.54
|
-6.88
|
113.79
|
-33.90
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
EPS Growth
-0.59
--
Year on year growth in earnings per share
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Evans Bancorp (EVBN)
|
-0.59
|
0.31
|
-0.07
|
0.78
|
-0.34
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
0.63
--
Total debt / Net worth
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Evans Bancorp (EVBN)
|
0.63
|
1.07
|
1.49
|
0.38
|
0.48
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Short term debt to equity ratio
0.02
--
(Short term borrowings / Net worth)
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Evans Bancorp (EVBN)
|
0.02
|
0.87
|
0.03
|
0.03
|
0.03
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Current Ratio
3.59
--
Current Assets / Current Liabilities and Provisions
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Evans Bancorp (EVBN)
|
3.59
|
5.78
|
4.88
|
103.82
|
39.53
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Quick Ratio
--
--
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Evans Bancorp (EVBN)
|
--
|
--
|
--
|
--
|
56.67
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Interest Coverage
--
--
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Evans Bancorp (EVBN)
|
--
|
-0.03
|
4.53
|
6.43
|
1.31
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Operating Efficiency
Debtors to sales
--
--
Debtors outstanding / Net Sales * 100
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Evans Bancorp (EVBN)
|
--
|
--
|
--
|
--
|
18.05
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Asset Turnover
0.03
--
Sales / Average Total Assets
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Evans Bancorp (EVBN)
|
0.03
|
0.04
|
0.04
|
0.04
|
0.04
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Receivable days
--
--
Average Debtors / Sales * 365
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Evans Bancorp (EVBN)
|
--
|
--
|
--
|
54.80
|
53.79
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Evans Bancorp (EVBN)
|
--
|
--
|
--
|
--
|
--
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Payable days
--
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Evans Bancorp (EVBN)
|
--
|
-35,950,319.71
|
--
|
--
|
--
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Cash Conversion Cycle
--
--
Receivable Days + Inventory Days - Payable Days
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Evans Bancorp (EVBN)
|
--
|
--
|
--
|
--
|
--
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Valuation
Price / Earnings
21.73
--
Current share price divided by earning per share in the last twelve months
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Evans Bancorp (EVBN)
|
21.73
|
6.43
|
10.02
|
10.06
|
12.24
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Price / Book Value
1.42
--
Current share price divided by book value per share in the latest financial year
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Evans Bancorp (EVBN)
|
1.42
|
0.88
|
1.46
|
1.31
|
0.82
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
EV/EBITDA
--
--
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
Dec-24
|
Dec-23
|
Dec-22
|
Dec-21
|
Dec-20
|
|---|---|---|---|---|---|
|
Evans Bancorp (EVBN)
|
--
|
131.72
|
2.31
|
-6.93
|
-1.95
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|