See more : FNDS3000 Corp. (FDTC) Income Statement Analysis – Financial Results
Complete financial analysis of Evans Bancorp, Inc. (EVBN) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Evans Bancorp, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.
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Evans Bancorp, Inc. (EVBN)
About Evans Bancorp, Inc.
Evans Bancorp, Inc. primarily operates as the financial holding company for Evans Bank, N.A. that provides a range of banking products and services to consumer and commercial customers in Western New York and the Finger Lakes Region of New York State. It operates in two segments, Banking Activities and Insurance Agency Activities. The company offers deposit products, which include checking and negotiable order of withdrawal accounts, savings accounts, and certificates of deposit. It also provides residential mortgages; commercial and multi-family mortgages and commercial construction loans; home equities, such as home equity lines of credit and second mortgage loans; commercial and industrial loans comprising term loans and lines of credit; consumer loans, including direct automobile, recreational vehicle, boat, home improvement, and personal loans; other loans consisting of cash reserves, overdrafts, and loan clearing accounts; and installment loans. In addition, the company sells various premium-based insurance policies, including business and personal insurance, employee benefits, surety bonds, risk management, life, disability, and long-term care coverage, as well as provides claims adjusting services to various insurance companies; and non-deposit investment products, such as annuities and mutual funds. It operates through a total of 21 full-service banking offices in Erie County, Niagara County, Monroe County, and Chautauqua County, New York. Evans Bancorp, Inc. was founded in 1920 and is headquartered in Williamsville, New York.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 94.13M | 92.23M | 91.61M | 76.16M | 70.02M | 61.35M | 52.18M | 44.38M | 45.52M | 41.37M | 40.51M | 40.60M | 38.42M | 37.13M | 3.57M | 30.95M | 25.52M | 25.62M | 24.75M | 21.17M | 18.51M | 15.87M | 13.64M | 12.23M | 8.85M | 1.37M | 1.01M | 990.99K |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -33.09M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 94.13M | 92.23M | 91.61M | 76.16M | 70.02M | 61.35M | 52.18M | 44.38M | 45.52M | 41.37M | 40.51M | 40.60M | 38.42M | 37.13M | 36.66M | 30.95M | 25.52M | 25.62M | 24.75M | 21.17M | 18.51M | 15.87M | 13.64M | 12.23M | 8.85M | 1.37M | 1.01M | 990.99K |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 1,027.78% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 38.45M | 45.07M | 45.12M | 39.31M | 34.18M | 31.83M | 28.03M | 24.44M | 22.27M | 20.53M | 19.61M | 19.02M | 18.04M | 17.43M | 15.48M | 11.22M | 10.64M | 9.68M | 9.34M | 7.93M | 6.81M | 5.53M | 5.02M | 3.95M | 3.21M | 0.00 | 0.00 | 0.00 |
| Selling & Marketing | 1.21M | 1.16M | 1.43M | 1.13M | 1.03M | 1.07M | 1.10M | 1.02M | 857.00K | 867.00K | 786.00K | 814.00K | 812.00K | 627.00K | 575.00K | 497.00K | 369.00K | 442.00K | 464.00K | 337.00K | 262.84K | 205.66K | 171.25K | 147.46K | 460.48K | 118.02K | 127.13K | 131.75K |
| SG&A | 39.65M | 46.23M | 46.55M | 40.44M | 35.22M | 32.90M | 29.12M | 25.46M | 23.13M | 21.39M | 20.40M | 19.84M | 18.85M | 18.06M | 16.05M | 11.72M | 11.01M | 10.12M | 9.80M | 8.26M | 7.08M | 5.74M | 5.19M | 4.10M | 3.67M | 118.02K | 127.13K | 131.75K |
| Other Expenses | 0.00 | -101.13M | -106.23M | -103.80M | -83.00M | 21.10M | 15.88M | 15.54M | 14.88M | 14.61M | 14.60M | 14.16M | 17.15M | 18.94M | 28.95M | 22.28M | 21.99M | 20.88M | 17.20M | -18.42M | -15.81M | -11.99M | -8.61M | -5.83M | -4.85M | 6.24M | 5.98M | 4.99M |
| Operating Expenses | 52.58M | -54.90M | -59.69M | -63.35M | -47.78M | 54.00M | 45.00M | 41.00M | 38.00M | 36.00M | 35.00M | 34.00M | 36.00M | 37.00M | 45.00M | 34.00M | 33.00M | 31.00M | 27.00M | -10.15M | -8.74M | -6.25M | -3.41M | -1.73M | -1.18M | 6.35M | 6.10M | 5.12M |
| Cost & Expenses | 94.13M | -54.90M | -59.69M | -63.35M | -47.78M | 54.00M | 45.00M | 41.00M | 38.00M | 36.00M | 35.00M | 34.00M | 36.00M | 37.00M | 11.91M | 34.00M | 33.00M | 31.00M | 27.00M | -10.15M | -8.74M | -6.25M | -3.41M | -1.73M | -1.18M | 6.35M | 6.10M | 5.12M |
| Interest Income | 96.85M | 79.48M | 77.58M | 68.83M | 64.74M | 57.61M | 47.75M | 39.96M | 35.63M | 34.72M | 32.40M | 33.38M | 32.72M | 31.42M | 30.70M | 29.15M | 28.84M | 26.54M | 22.88M | 17.71M | 15.33M | 15.21M | 15.65M | 15.07M | 12.55M | 11.85M | 11.07M | 9.80M |
| Interest Expense | 35.64M | 6.53M | 4.80M | 9.05M | 12.69M | 9.51M | 5.73M | 4.71M | 3.82M | 3.62M | 4.06M | 5.60M | 6.73M | 6.92M | 8.11M | 9.88M | 12.16M | 11.70M | 8.57M | 5.11M | 4.48M | 4.82M | 6.54M | 6.49M | 5.04M | 4.95M | 4.59M | 3.91M |
| Depreciation & Amortization | 1.56M | 1.65M | 2.34M | 2.13M | 1.75M | 1.83M | 1.31M | 1.20M | 1.51M | 108.00K | 221.00K | 349.00K | 1.47M | 1.86M | 931.00K | 1.69M | 1.72M | 1.81M | 1.90M | 1.67M | 1.25M | 1.06M | 1.32M | 0.00 | 0.00 | 381.12K | 356.66K | 344.09K |
| EBITDA | 0.00 | 31.20M | 33.19M | 14.01M | 24.29M | 20.46M | 17.45M | 11.75M | 13.12M | 10.46M | 11.58M | 14.00M | 10.69M | 8.93M | 0.00 | 8.69M | 8.25M | 0.00 | 0.00 | 7.58M | 0.00 | 0.00 | 0.00 | 10.49M | 7.68M | 0.00 | 0.00 | 0.00 |
| EBITDA Ratio | 0.00% | 40.91% | 35.44% | 17.52% | 34.69% | 48.85% | 44.43% | 37.08% | 37.23% | 34.03% | 38.25% | 48.00% | 43.97% | 42.71% | 278.19% | 60.02% | 71.71% | 79.14% | 68.88% | 59.93% | 59.54% | 67.29% | 84.63% | 85.83% | 86.71% | 591.61% | 739.22% | 651.82% |
| Operating Income | 0.00 | 37.33M | 31.93M | 12.81M | 22.24M | 28.14M | 23.07M | 14.90M | 15.43M | 13.97M | 15.27M | 19.14M | 15.42M | 14.00M | 8.99M | 16.88M | 16.58M | 18.46M | 15.15M | 11.02M | 9.78M | 9.62M | 10.22M | 10.49M | 7.68M | 7.73M | 7.11M | 6.12M |
| Operating Income Ratio | 0.00% | 40.47% | 34.85% | 16.82% | 31.76% | 45.87% | 44.21% | 33.58% | 33.90% | 33.77% | 37.70% | 47.14% | 40.14% | 37.71% | 252.09% | 54.55% | 64.98% | 72.06% | 61.20% | 52.04% | 52.81% | 60.59% | 74.97% | 85.83% | 86.71% | 563.79% | 703.93% | 617.10% |
| Total Other Income/Expenses | 34.73M | -6.49M | -7.30M | -10.51M | -5.78M | -3.63M | -2.09M | -2.59M | -3.38M | -5.64M | -5.42M | -1.47M | 0.00 | 0.00 | -8.89M | 328.00K | -3.83M | 0.00 | 0.00 | -1.67M | -4.48M | -4.82M | -6.54M | -9.96M | -7.40M | -4.95M | -4.59M | -3.91M |
| Income Before Tax | 34.73M | 29.55M | 31.93M | 12.81M | 22.24M | 18.64M | 15.69M | 10.20M | 11.61M | 8.89M | 9.59M | 11.88M | 8.70M | 7.08M | 104.00K | 7.00M | 4.42M | 6.76M | 6.58M | 5.91M | 5.29M | 4.80M | 3.69M | 4.00M | 2.63M | 2.78M | 2.53M | 2.20M |
| Income Before Tax Ratio | 36.90% | 32.04% | 34.85% | 16.82% | 31.76% | 30.38% | 30.07% | 22.97% | 25.50% | 21.49% | 23.67% | 29.26% | 22.63% | 19.06% | 2.92% | 22.61% | 17.32% | 26.40% | 26.58% | 27.89% | 28.59% | 30.24% | 27.04% | 32.75% | 29.75% | 202.77% | 249.96% | 222.27% |
| Income Tax Expense | 10.21M | 7.16M | 7.88M | 1.56M | 5.23M | 2.28M | 5.21M | 1.92M | 3.77M | 704.00K | 1.73M | 3.75M | 2.58M | 2.24M | -603.00K | 2.09M | 1.05M | 1.84M | 1.76M | 1.40M | 1.22M | 1.19M | 1.11M | 781.25K | 607.00K | 735.00K | 724.00K | 588.00K |
| Net Income | 24.52M | 22.39M | 24.04M | 11.25M | 17.01M | 16.36M | 10.48M | 8.27M | 7.84M | 8.19M | 7.86M | 8.13M | 6.11M | 4.84M | 707.00K | 4.91M | 3.37M | 4.92M | 4.82M | 4.51M | 4.07M | 3.61M | 2.58M | 3.22M | 2.03M | 2.04M | 1.80M | 1.61M |
| Net Income Ratio | 26.05% | 24.28% | 26.24% | 14.77% | 24.30% | 26.66% | 20.08% | 18.64% | 17.23% | 19.79% | 19.40% | 20.03% | 15.91% | 13.04% | 19.82% | 15.86% | 13.20% | 19.21% | 19.47% | 21.30% | 21.98% | 22.72% | 18.91% | 26.36% | 22.90% | 149.13% | 178.33% | 162.93% |
| EPS | 4.49 | 4.07 | 4.41 | 2.15 | 3.47 | 3.40 | 2.21 | 1.93 | 1.85 | 1.96 | 1.88 | 1.96 | 1.49 | 1.34 | 0.25 | 1.78 | 1.23 | 1.81 | 1.77 | 1.66 | 1.43 | 1.34 | 0.92 | 1.51 | 0.98 | 0.99 | 0.87 | 0.78 |
| EPS Diluted | 4.48 | 4.04 | 4.37 | 2.13 | 3.42 | 3.32 | 2.16 | 1.90 | 1.82 | 1.92 | 1.85 | 1.95 | 1.49 | 1.34 | 0.25 | 1.78 | 1.23 | 1.80 | 1.77 | 1.66 | 1.43 | 1.34 | 0.92 | 1.51 | 0.98 | 0.99 | 0.87 | 0.78 |
| Weighted Avg Shares Out | 5.46M | 5.50M | 5.45M | 5.23M | 4.90M | 4.81M | 4.74M | 4.28M | 4.24M | 4.19M | 4.19M | 4.14M | 4.10M | 3.61M | 2.79M | 2.75M | 2.74M | 2.73M | 2.72M | 2.73M | 2.84M | 2.69M | 2.81M | 2.14M | 2.06M | 2.06M | 2.07M | 2.07M |
| Weighted Avg Shares Out (Dil) | 5.47M | 5.54M | 5.50M | 5.27M | 4.97M | 4.93M | 4.86M | 4.36M | 4.31M | 4.26M | 4.24M | 4.16M | 4.10M | 3.62M | 2.79M | 2.76M | 2.74M | 2.73M | 2.72M | 2.73M | 2.84M | 2.69M | 2.81M | 2.14M | 2.06M | 2.06M | 2.07M | 2.07M |
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Source: https://incomestatements.info
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