EVBN · Evans Bancorp Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|
| Revenue | $655.0K | $10.26M | $10.45M | $10.46M | $10.61M | $10.69M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $1.50M | $1.70M | $1.70M | $1.80M | $1.60M | $1.30M |
| Operating Income | $14.27M | $31.93M | $29.55M | $31.93M | $12.81M | $22.24M |
| Interest Expense | - | $35.64M | $6.53M | $4.79M | $9.05M | $12.69M |
| Income Tax | $2.31M | $10.21M | $7.16M | $7.88M | $1.56M | $5.23M |
| Net Income | $11.95M | $24.52M | $22.39M | $24.04M | $11.25M | $17.01M |
| EPS - Basic | $2.16 | $4.49 | $4.07 | $4.41 | $2.15 | $3.47 |
| EPS - Diluted | $2.16 | $4.48 | $4.04 | $4.37 | $2.13 | $3.42 |
Balance Sheet
| Line item | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $42.72M | $23.47M | $23.05M | $244.78M | $97.60M | $38.86M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $2.19B | $2.11B | $2.18B | $2.21B | $2.04B | $1.46B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $2.00B | $1.93B | $2.02B | $2.03B | $1.88B | $1.31B |
| Stockholders' Equity | $183.14M | $178.22M | $153.99M | $183.89M | $168.91M | $148.45M |
| Retained Earnings | $142.94M | $138.63M | $123.36M | $108.02M | $90.52M | $85.27M |
Cash Flow
| Line item | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | ($2.76M) | $15.70M | $26.41M | $20.51M | $7.79M | $21.07M |
| Investing Cash Flow | ($51.11M) | $89.37M | ($236.57M) | ($22.62M) | ($213.39M) | ($69.88M) |
| Financing Cash Flow | $73.11M | ($104.65M) | ($11.56M) | $149.29M | $264.35M | $47.75M |
| CapEx | $343.0K | $517.0K | $1.01M | $1.03M | $5.82M | $4.64M |
| Free Cash Flow | ($3.10M) | $15.18M | $25.40M | $19.48M | $1.97M | $16.43M |
Ratios
| Metric | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 2178.3% | 311.1% | 282.7% | 305.3% | 120.7% | 208.1% |
| EBITDA margin | 2407.3% | 327.7% | 299.0% | 322.5% | 135.8% | 220.3% |
| Net margin | 1825.0% | 239.0% | 214.2% | 229.9% | 106.0% | 159.2% |
| Free cash flow margin | -473.3% | 148.0% | 243.0% | 186.3% | 18.5% | 153.8% |
| FCF / Net income | -0.26 | 0.62 | 1.13 | 0.81 | 0.17 | 0.97 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 16.2% | 29.4% | 24.2% | 24.7% | 12.2% | 23.5% |
| Return on assets | 0.5% | 1.2% | 1.0% | 1.1% | 0.6% | 1.2% |
| Return on equity | 6.5% | 13.8% | 14.5% | 13.1% | 6.7% | 11.5% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | 0.9x | 4.5x | 6.7x | 1.4x | 1.8x |
| Equity multiplier | 11.94 | 11.83 | 14.15 | 12.02 | 12.10 | 9.84 |
| Liabilities / Assets | 0.92 | 0.92 | 0.93 | 0.92 | 0.92 | 0.90 |
| Efficiency | ||||||
| Asset turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | - | - | - | - | - | - |
| P / B | - | - | - | - | - | - |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | -93.6% | -1.8% | -0.0% | -1.4% | -0.7% | 64.0% |
| Revenue CAGR (3y) | -60.3% | -1.1% | -0.7% | 17.1% | - | - |
| Revenue CAGR (5y) | -42.8% | 9.5% | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | -55.3% | 8.0% | -7.4% | 149.3% | -42.4% | 19.3% |
| Net income growth (YoY) | -51.3% | 9.5% | -6.9% | 113.8% | -33.9% | 4.0% |
| EPS growth (YoY) | -51.8% | 10.9% | -7.6% | 105.2% | -37.7% | 3.0% |
| EPS CAGR (3y) | -20.9% | 28.1% | 5.7% | 9.6% | -0.5% | 21.6% |
| EPS CAGR (5y) | -8.8% | 6.2% | 13.3% | 18.1% | 3.2% | 12.2% |
| FCF growth (YoY) | - | -40.2% | 30.4% | 891.3% | -88.0% | -31.6% |
| FCF CAGR (5y) | - | -8.8% | 18.1% | 14.1% | -29.4% | 9.5% |
| Book value growth (YoY) | 2.8% | 15.7% | -16.3% | 8.9% | 13.8% | 12.8% |
Stability scores
Piotroski F-score
FY 2024 · 9-point quality
1/9
Weak
- ✓Net income positive
- ✗Operating cash flow positive
- ✗ROA improved YoY
- ✗Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- ✗Asset turnover improved
Peer comparison
Same SIC group: National Commercial Banks
Comparing EVANS BANCORP INC against the 5 most active filers in the same SIC group.