Financhill
Buy
53

EVBN Quote, Financials, Valuation and Earnings

Last price:
$38.78
Seasonality move :
-0.58%
Day range:
$38.47 - $39.05
52-week range:
$24.07 - $46.21
Dividend yield:
3.41%
P/E ratio:
18.00x
P/S ratio:
3.10x
P/B ratio:
1.18x
Volume:
13.2K
Avg. volume:
18.9K
1-year change:
48.67%
Market cap:
$215.5M
Revenue:
$69.2M
EPS (TTM):
$2.15

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
EVBN
Evans Bancorp
$18.9M $0.66 13.12% 24.53% $45.50
BHB
Bar Harbor Bankshares
$34.8M $0.69 -7.06% 2.99% $32.50
FCF
First Commonwealth Financial
$121.3M $0.34 0.96% -6.75% $19.20
FMNB
Farmers National Banc
$46.6M $0.37 11.71% 18.28% $14.33
PRK
Park National
$132.9M $2.20 4.98% -8.95% $170.00
STBA
S&T Bancorp
$98M $0.78 1.14% -12.36% $41.25
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
EVBN
Evans Bancorp
$38.70 $45.50 $215.5M 18.00x $0.66 3.41% 3.10x
BHB
Bar Harbor Bankshares
$29.11 $32.50 $445.1M 10.21x $0.30 4.12% 2.97x
FCF
First Commonwealth Financial
$15.07 $19.20 $1.5B 10.84x $0.13 3.45% 3.22x
FMNB
Farmers National Banc
$13.06 $14.33 $491.2M 10.20x $0.17 5.21% 2.81x
PRK
Park National
$147.76 $170.00 $2.4B 15.87x $1.07 2.88% 4.61x
STBA
S&T Bancorp
$36.03 $41.25 $1.4B 10.38x $0.34 3.72% 3.64x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
EVBN
Evans Bancorp
37.8% 1.769 46.16% 31.68x
BHB
Bar Harbor Bankshares
33.99% 1.579 53.34% 2.37x
FCF
First Commonwealth Financial
18.25% 1.439 18.22% 15.99x
FMNB
Farmers National Banc
30.49% 1.675 38.36% 2.14x
PRK
Park National
13.23% 1.363 6.85% 12.45x
STBA
S&T Bancorp
12.11% 1.761 13.78% 12.87x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
EVBN
Evans Bancorp
-- -- 3.58% 6.65% 86.87% -$4M
BHB
Bar Harbor Bankshares
-- -- 6.14% 9.66% 83.74% $12.4M
FCF
First Commonwealth Financial
-- -- 7.16% 10.45% 82.66% $9.7M
FMNB
Farmers National Banc
-- -- 6.12% 11.67% 88.33% $8.8M
PRK
Park National
-- -- 10.15% 12.67% 57.62% $47.1M
STBA
S&T Bancorp
-- -- 8.03% 9.82% 88.77% $53.9M

Evans Bancorp vs. Competitors

  • Which has Higher Returns EVBN or BHB?

    Bar Harbor Bankshares has a net margin of 20.42% compared to Evans Bancorp's net margin of 27.38%. Evans Bancorp's return on equity of 6.65% beat Bar Harbor Bankshares's return on equity of 9.66%.

    Company Gross Margin Earnings Per Share Invested Capital
    EVBN
    Evans Bancorp
    -- $0.67 $294.4M
    BHB
    Bar Harbor Bankshares
    -- $0.66 $707.9M
  • What do Analysts Say About EVBN or BHB?

    Evans Bancorp has a consensus price target of $45.50, signalling upside risk potential of 17.57%. On the other hand Bar Harbor Bankshares has an analysts' consensus of $32.50 which suggests that it could grow by 11.65%. Given that Evans Bancorp has higher upside potential than Bar Harbor Bankshares, analysts believe Evans Bancorp is more attractive than Bar Harbor Bankshares.

    Company Buy Ratings Hold Ratings Sell Ratings
    EVBN
    Evans Bancorp
    0 1 0
    BHB
    Bar Harbor Bankshares
    0 2 0
  • Is EVBN or BHB More Risky?

    Evans Bancorp has a beta of 0.745, which suggesting that the stock is 25.462% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.664, suggesting its less volatile than the S&P 500 by 33.609%.

  • Which is a Better Dividend Stock EVBN or BHB?

    Evans Bancorp has a quarterly dividend of $0.66 per share corresponding to a yield of 3.41%. Bar Harbor Bankshares offers a yield of 4.12% to investors and pays a quarterly dividend of $0.30 per share. Evans Bancorp pays 60.97% of its earnings as a dividend. Bar Harbor Bankshares pays out 40.85% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios EVBN or BHB?

    Evans Bancorp quarterly revenues are $18.3M, which are smaller than Bar Harbor Bankshares quarterly revenues of $37.3M. Evans Bancorp's net income of $3.7M is lower than Bar Harbor Bankshares's net income of $10.2M. Notably, Evans Bancorp's price-to-earnings ratio is 18.00x while Bar Harbor Bankshares's PE ratio is 10.21x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Evans Bancorp is 3.10x versus 2.97x for Bar Harbor Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    EVBN
    Evans Bancorp
    3.10x 18.00x $18.3M $3.7M
    BHB
    Bar Harbor Bankshares
    2.97x 10.21x $37.3M $10.2M
  • Which has Higher Returns EVBN or FCF?

    First Commonwealth Financial has a net margin of 20.42% compared to Evans Bancorp's net margin of 29.77%. Evans Bancorp's return on equity of 6.65% beat First Commonwealth Financial's return on equity of 10.45%.

    Company Gross Margin Earnings Per Share Invested Capital
    EVBN
    Evans Bancorp
    -- $0.67 $294.4M
    FCF
    First Commonwealth Financial
    -- $0.35 $1.7B
  • What do Analysts Say About EVBN or FCF?

    Evans Bancorp has a consensus price target of $45.50, signalling upside risk potential of 17.57%. On the other hand First Commonwealth Financial has an analysts' consensus of $19.20 which suggests that it could grow by 27.41%. Given that First Commonwealth Financial has higher upside potential than Evans Bancorp, analysts believe First Commonwealth Financial is more attractive than Evans Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    EVBN
    Evans Bancorp
    0 1 0
    FCF
    First Commonwealth Financial
    2 3 0
  • Is EVBN or FCF More Risky?

    Evans Bancorp has a beta of 0.745, which suggesting that the stock is 25.462% less volatile than S&P 500. In comparison First Commonwealth Financial has a beta of 0.725, suggesting its less volatile than the S&P 500 by 27.493%.

  • Which is a Better Dividend Stock EVBN or FCF?

    Evans Bancorp has a quarterly dividend of $0.66 per share corresponding to a yield of 3.41%. First Commonwealth Financial offers a yield of 3.45% to investors and pays a quarterly dividend of $0.13 per share. Evans Bancorp pays 60.97% of its earnings as a dividend. First Commonwealth Financial pays out 36.9% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios EVBN or FCF?

    Evans Bancorp quarterly revenues are $18.3M, which are smaller than First Commonwealth Financial quarterly revenues of $120.4M. Evans Bancorp's net income of $3.7M is lower than First Commonwealth Financial's net income of $35.8M. Notably, Evans Bancorp's price-to-earnings ratio is 18.00x while First Commonwealth Financial's PE ratio is 10.84x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Evans Bancorp is 3.10x versus 3.22x for First Commonwealth Financial. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    EVBN
    Evans Bancorp
    3.10x 18.00x $18.3M $3.7M
    FCF
    First Commonwealth Financial
    3.22x 10.84x $120.4M $35.8M
  • Which has Higher Returns EVBN or FMNB?

    Farmers National Banc has a net margin of 20.42% compared to Evans Bancorp's net margin of 30.39%. Evans Bancorp's return on equity of 6.65% beat Farmers National Banc's return on equity of 11.67%.

    Company Gross Margin Earnings Per Share Invested Capital
    EVBN
    Evans Bancorp
    -- $0.67 $294.4M
    FMNB
    Farmers National Banc
    -- $0.36 $617.4M
  • What do Analysts Say About EVBN or FMNB?

    Evans Bancorp has a consensus price target of $45.50, signalling upside risk potential of 17.57%. On the other hand Farmers National Banc has an analysts' consensus of $14.33 which suggests that it could grow by 9.75%. Given that Evans Bancorp has higher upside potential than Farmers National Banc, analysts believe Evans Bancorp is more attractive than Farmers National Banc.

    Company Buy Ratings Hold Ratings Sell Ratings
    EVBN
    Evans Bancorp
    0 1 0
    FMNB
    Farmers National Banc
    0 2 0
  • Is EVBN or FMNB More Risky?

    Evans Bancorp has a beta of 0.745, which suggesting that the stock is 25.462% less volatile than S&P 500. In comparison Farmers National Banc has a beta of 0.775, suggesting its less volatile than the S&P 500 by 22.49%.

  • Which is a Better Dividend Stock EVBN or FMNB?

    Evans Bancorp has a quarterly dividend of $0.66 per share corresponding to a yield of 3.41%. Farmers National Banc offers a yield of 5.21% to investors and pays a quarterly dividend of $0.17 per share. Evans Bancorp pays 60.97% of its earnings as a dividend. Farmers National Banc pays out 55.25% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios EVBN or FMNB?

    Evans Bancorp quarterly revenues are $18.3M, which are smaller than Farmers National Banc quarterly revenues of $44.7M. Evans Bancorp's net income of $3.7M is lower than Farmers National Banc's net income of $13.6M. Notably, Evans Bancorp's price-to-earnings ratio is 18.00x while Farmers National Banc's PE ratio is 10.20x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Evans Bancorp is 3.10x versus 2.81x for Farmers National Banc. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    EVBN
    Evans Bancorp
    3.10x 18.00x $18.3M $3.7M
    FMNB
    Farmers National Banc
    2.81x 10.20x $44.7M $13.6M
  • Which has Higher Returns EVBN or PRK?

    Park National has a net margin of 20.42% compared to Evans Bancorp's net margin of 28.72%. Evans Bancorp's return on equity of 6.65% beat Park National's return on equity of 12.67%.

    Company Gross Margin Earnings Per Share Invested Capital
    EVBN
    Evans Bancorp
    -- $0.67 $294.4M
    PRK
    Park National
    -- $2.37 $1.4B
  • What do Analysts Say About EVBN or PRK?

    Evans Bancorp has a consensus price target of $45.50, signalling upside risk potential of 17.57%. On the other hand Park National has an analysts' consensus of $170.00 which suggests that it could grow by 15.05%. Given that Evans Bancorp has higher upside potential than Park National, analysts believe Evans Bancorp is more attractive than Park National.

    Company Buy Ratings Hold Ratings Sell Ratings
    EVBN
    Evans Bancorp
    0 1 0
    PRK
    Park National
    0 3 0
  • Is EVBN or PRK More Risky?

    Evans Bancorp has a beta of 0.745, which suggesting that the stock is 25.462% less volatile than S&P 500. In comparison Park National has a beta of 0.722, suggesting its less volatile than the S&P 500 by 27.76%.

  • Which is a Better Dividend Stock EVBN or PRK?

    Evans Bancorp has a quarterly dividend of $0.66 per share corresponding to a yield of 3.41%. Park National offers a yield of 2.88% to investors and pays a quarterly dividend of $1.07 per share. Evans Bancorp pays 60.97% of its earnings as a dividend. Park National pays out 51.18% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios EVBN or PRK?

    Evans Bancorp quarterly revenues are $18.3M, which are smaller than Park National quarterly revenues of $134.5M. Evans Bancorp's net income of $3.7M is lower than Park National's net income of $38.6M. Notably, Evans Bancorp's price-to-earnings ratio is 18.00x while Park National's PE ratio is 15.87x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Evans Bancorp is 3.10x versus 4.61x for Park National. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    EVBN
    Evans Bancorp
    3.10x 18.00x $18.3M $3.7M
    PRK
    Park National
    4.61x 15.87x $134.5M $38.6M
  • Which has Higher Returns EVBN or STBA?

    S&T Bancorp has a net margin of 20.42% compared to Evans Bancorp's net margin of 35.63%. Evans Bancorp's return on equity of 6.65% beat S&T Bancorp's return on equity of 9.82%.

    Company Gross Margin Earnings Per Share Invested Capital
    EVBN
    Evans Bancorp
    -- $0.67 $294.4M
    STBA
    S&T Bancorp
    -- $0.87 $1.6B
  • What do Analysts Say About EVBN or STBA?

    Evans Bancorp has a consensus price target of $45.50, signalling upside risk potential of 17.57%. On the other hand S&T Bancorp has an analysts' consensus of $41.25 which suggests that it could grow by 14.49%. Given that Evans Bancorp has higher upside potential than S&T Bancorp, analysts believe Evans Bancorp is more attractive than S&T Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    EVBN
    Evans Bancorp
    0 1 0
    STBA
    S&T Bancorp
    0 5 0
  • Is EVBN or STBA More Risky?

    Evans Bancorp has a beta of 0.745, which suggesting that the stock is 25.462% less volatile than S&P 500. In comparison S&T Bancorp has a beta of 0.751, suggesting its less volatile than the S&P 500 by 24.889%.

  • Which is a Better Dividend Stock EVBN or STBA?

    Evans Bancorp has a quarterly dividend of $0.66 per share corresponding to a yield of 3.41%. S&T Bancorp offers a yield of 3.72% to investors and pays a quarterly dividend of $0.34 per share. Evans Bancorp pays 60.97% of its earnings as a dividend. S&T Bancorp pays out 38.83% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios EVBN or STBA?

    Evans Bancorp quarterly revenues are $18.3M, which are smaller than S&T Bancorp quarterly revenues of $93.8M. Evans Bancorp's net income of $3.7M is lower than S&T Bancorp's net income of $33.4M. Notably, Evans Bancorp's price-to-earnings ratio is 18.00x while S&T Bancorp's PE ratio is 10.38x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Evans Bancorp is 3.10x versus 3.64x for S&T Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    EVBN
    Evans Bancorp
    3.10x 18.00x $18.3M $3.7M
    STBA
    S&T Bancorp
    3.64x 10.38x $93.8M $33.4M

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