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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 | 94.11M | 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 | -18.00K | 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 | 100.02% | 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 | 54.48M | -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 | 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 | 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 | 26.06% | 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 |
Evans Bancorp Announces Fourth Quarter and Full Year 2022 Conference Call and Webcast
WILLIAMSVILLE, N.Y.--(BUSINESS WIRE)--Evans Bancorp, Inc. (the “Company”) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, announced that it will release its fourth quarter and full year 2022 results after the close of financial markets...
Evans Bancorp, Inc. (EVBN) Q3 2022 Earnings Call Transcript
Evans Bancorp, Inc. (NYSE:EVBN ) Q3 2022 Earnings Conference Call October 26, 2022 4:45 PM ET Company Participants Deborah Pawlowski - Investor Relations David Nasca - President & Chief Executive Officer John Connerton - Chief Financial Officer Conference Call Participants...
What Makes Evans Bancorp (EVBN) a New Strong Buy Stock
Evans Bancorp (EVBN) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).
Evans Bancorp Announces Third Quarter 2022 Conference Call and Webcast
WILLIAMSVILLE, N.Y.--(BUSINESS WIRE)--Evans Bancorp, Inc. (the “Company”) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, announced that it will release its third quarter 2022 results after the close of financial markets on Wednesday, October...
Best Income Stocks to Buy for July 28th
TRST, IBA, and EVBN made it to the Zacks Rank #1 (Strong Buy) income stocks list on July 28, 2022.
Evans Bancorp, Inc. (EVBN) CEO David Nasca on Q2 2022 Results - Earnings Call Transcript
Evans Bancorp, Inc. (NYSE:EVBN ) Q2 2022 Earnings Conference Call July 27, 2022 4:45 PM ET Company Participants Deborah Pawlowski - Investor Relations David Nasca - President and Chief Executive Officer John Connerton - Chief Financial Officer Conference Call Participants...
Evans Bancorp (EVBN) Surpasses Q2 Earnings and Revenue Estimates
Evans Bancorp (EVBN) delivered earnings and revenue surprises of 22.62% and 4.01%, respectively, for the quarter ended June 2022. Do the numbers hold clues to what lies ahead for the stock?
Evans Bancorp Announces Second Quarter 2022 Conference Call and Webcast
WILLIAMSVILLE, N.Y.--(BUSINESS WIRE)--Evans Bancorp, Inc. (the “Company”) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, announced that it will release its second quarter 2022 results after the close of financial markets on Wednesday, July...
Evans Bancorp Announces Second Quarter 2022 Conference Call and Webcast
WILLIAMSVILLE, N.Y.--(BUSINESS WIRE)--Evans Bancorp, Inc. (the “Company”) (NYSE American: EVBN), a community financial services company serving Western New York since 1920, announced that it will release its second quarter 2022 results after the close of financial markets on Wednesday, July...
Evans Bancorp (EVBN) Loses 14.6% in 4 Weeks, Here's Why a Trend Reversal May be Around the Corner
Evans Bancorp (EVBN) is technically in oversold territory now, so the heavy selling pressure might have exhausted. This along with strong agreement among Wall Street analysts in raising earnings estimates could lead to a trend reversal for the stock.
Source: https://incomestatements.info
Category: Stock Reports