See more : Kalyani Commercials Limited (KALYANI.NS) 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 |
Evans Bancorp Announces Fourth Quarter and Full Year 2020 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 2020 results after the close of financial markets...
Evans Bancorp Announces Fourth Quarter and Full Year 2020 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 2020 results after the close of financial markets...
Evans Bancorp, Inc.'s (EVBN) CEO David Nasca on Q3 2020 Results - Earnings Call Transcript
Evans Bancorp, Inc.'s (EVBN) CEO David Nasca on Q3 2020 Results - Earnings Call Transcript
Head to Head Contrast: Evans Bancorp (EVBN) and Its Competitors
Evans Bancorp (NYSE: EVBN) is one of 159 public companies in the “National commercial banks” industry, but how does it contrast to its competitors? We will compare Evans Bancorp to related companies based on the strength of its risk, institutional...
Evans Bancorp, Inc. Announces Third Quarter 2020 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 2020 results after the close of financial markets on Thursday, October...
Evans Bancorp, Inc. Announces Third Quarter 2020 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 2020 results after the close of financial markets on Thursday, October...
Contrasting Evans Bancorp (EVBN) & Its Rivals
Evans Bancorp (NYSE: EVBN) is one of 159 public companies in the “National commercial banks” industry, but how does it weigh in compared to its rivals? We will compare Evans Bancorp to related companies based on the strength of its...
M.P. Evans Group (LON:MPE) Stock Crosses Below 200-Day Moving Average of $568.30
M.P. Evans Group PLC (LON:MPE)’s stock price crossed below its 200-day moving average during trading on Monday . The stock has a 200-day moving average of $568.30 and traded as low as $560.00. M.P. Evans Group shares last traded at...
Essential Role of Ultrapure Dialysis Fluid Highlighted on World Patient Safety Day
Fresenius Medical Care, the world’s leading provider of dialysis products and services, today announced the launch of the organization’s first World P
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