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Evans Bancorp Inc EVBN

Morningstar Rating
$25.90 −0.10 (0.38%)
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About Quantitative Ratings

Morningstar Quantitative Ratings for Stocks are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings. Companies with quantitative ratings are not formally covered by a Morningstar analyst, but are statistically matched to analyst-rated companies, allowing our models to calculate a quantitative moat, fair value, and uncertainty rating.

Price vs Fair Value

EVBN is trading at a 23% discount.
Price
$25.96
Fair Value
$91.68
Uncertainty
Very High
1-Star Price
$86.55
5-Star Price
$51.92
Economic Moat
Lwf
Capital Allocation
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News

Trading Information

Previous Close Price
$26.00
Day Range
$25.8426.06
52-Week Range
$23.2033.58
Bid/Ask
$23.30 / $30.25
Market Cap
$142.67 Mil
Volume/Avg
30,730 / 17,296

Key Statistics

Price/Earnings (Normalized)
16.41
Price/Sales
1.51
Dividend Yield (Trailing)
5.10%
Dividend Yield (Forward)
5.10%
Total Yield
5.10%

Company Profile

Evans Bancorp Inc is a financial holding company. Through its subsidiaries, it provides various banking services to consumers and commercial customers in the USA. The firm operates in two segments, Banking Activities and Insurance Agency Activities. The banking business segment includes both commercial and consumer banking services, including lending and depository services and offering non-deposit investment products, such as annuities and mutual funds. The insurance agency segment includes the activities of selling various premium-based insurance policies on a commission basis, including business and personal insurance, employee benefits, surety bonds, risk management, life, disability and long-term care coverage, and providing claims adjusting services to various insurance companies.
Sector
Financial Services
Industry
Banks - Regional
Stock Style Box
Small Value
Total Number of Employees
300

Comparables

Valuation

Metric
EVBN
PFS
FFIC
Price/Earnings (Normalized)
16.417.4112.32
Price/Book Value
0.800.610.49
Price/Sales
1.512.151.68
Price/Cash Flow
12.775.588.01
Price/Earnings
EVBN
PFS
FFIC

Financial Strength

Metric
EVBN
PFS
FFIC
Quick Ratio
Current Ratio
Interest Coverage
Quick Ratio
No chart available

Profitability

Metric
EVBN
PFS
FFIC
Return on Assets (Normalized)
0.51%1.02%0.29%
Return on Equity (Normalized)
6.87%8.63%3.71%
Return on Invested Capital (Normalized)
Return on Assets
EVBN
PFS
FFIC
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Banks - Regional Industry Comparables

Ticker
Name
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
BNPQY
BNP Paribas ADRDtwrgdslsQqzk$79.4 Bil
ISNPY
Intesa Sanpaolo ADRYmxhwzjcJpzkc$65.2 Bil
USB
U.S. BancorpKmnqrhycrLzh$61.5 Bil
PNC
PNC Financial Services Group IncGbhybqhhPlqgnnq$58.9 Bil
ITUB
Itau Unibanco Holding SA ADRVdlhxxsDgbpg$55.4 Bil
MFG
Mizuho Financial Group Inc ADRWmvvppmbHbk$48.8 Bil
TFC
Truist Financial CorpDylcxwhznBtktj$47.7 Bil
LYG
Lloyds Banking Group PLC ADRBzcfdfhlnJmnlfd$39.7 Bil
DB
Deutsche Bank AGBgxtFkx$31.5 Bil
NWG
NatWest Group PLC ADRWrntxKpt$29.9 Bil

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