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 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | $186.0K | $176.0K | $149.0K | - | $3.50M | $2.72M | $2.43M | - | $3.38M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | $3.88M | $3.87M | $2.98M | - | $4.90M | $6.33M | $7.59M | - | $7.84M |
| Interest Expense | - | - | - | $11.47M | - | $10.04M | $8.31M | $6.04M | - | $1.30M |
| Income Tax | - | $938.0K | $919.0K | $647.0K | - | $1.28M | $1.39M | $1.79M | - | $1.97M |
| Net Income | - | $2.94M | $2.95M | $2.33M | - | $3.62M | $4.93M | $5.80M | - | $5.86M |
| EPS - Basic | - | $0.53 | $0.53 | $0.42 | - | $0.66 | $0.90 | $1.07 | - | $1.06 |
| EPS - Diluted | - | $0.53 | $0.53 | $0.42 | - | $0.66 | $0.90 | $1.06 | - | $1.06 |
Balance Sheet
| Line item | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $42.72M | $128.08M | $126.28M | $178.35M | $23.47M | $25.29M | $25.53M | $16.10M | $23.05M | $191.72M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $2.19B | $2.28B | $2.26B | $2.26B | $2.11B | $2.17B | $2.15B | $2.15B | $2.18B | $2.13B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $2.00B | $2.09B | $2.08B | $2.09B | $1.93B | $2.02B | $2.00B | $1.99B | $2.02B | $1.98B |
| Stockholders' Equity | $183.14M | $185.85M | $177.65M | $174.59M | $178.22M | $150.94M | $159.48M | $158.25M | $153.99M | $149.85M |
| Retained Earnings | $142.94M | $139.30M | $140.11M | $137.16M | $138.63M | $128.47M | $128.47M | $123.53M | $123.36M | $117.32M |
Cash Flow
| Line item | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | - | - | - | ($2.10M) | - | - | - | $311.0K | - | - |
| Investing Cash Flow | - | - | - | $1.23M | - | - | - | $25.55M | - | - |
| Financing Cash Flow | - | - | - | $155.76M | - | - | - | ($32.81M) | - | - |
| CapEx | - | - | - | $188.0K | - | - | - | $364.0K | - | - |
| Free Cash Flow | - | - | - | ($2.29M) | - | - | - | ($53.0K) | - | - |
Ratios
| Metric | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | 2086.6% | 2196.0% | 2000.7% | - | 140.1% | 232.6% | 312.5% | - | 231.6% |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | 1582.3% | 1673.9% | 1566.4% | - | 103.4% | 181.3% | 238.8% | - | 173.3% |
| Free cash flow margin | - | - | - | -1537.6% | - | - | - | -2.2% | - | - |
| FCF / Net income | - | - | - | -0.98 | - | - | - | -0.01 | - | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | - | 24.2% | 23.8% | 21.7% | - | 26.1% | 22.0% | 23.6% | - | 25.2% |
| Return on assets | - | 0.1% | 0.1% | 0.1% | - | 0.2% | 0.2% | 0.3% | - | 0.3% |
| Return on equity | - | 1.6% | 1.7% | 1.3% | - | 2.4% | 3.1% | 3.7% | - | 3.9% |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | 0.3x | - | 0.5x | 0.8x | 1.3x | - | 6.0x |
| Equity multiplier | 11.94 | 12.27 | 12.71 | 12.94 | 11.83 | 14.41 | 13.51 | 13.58 | 14.15 | 14.21 |
| Liabilities / Assets | 0.92 | 0.92 | 0.92 | 0.92 | 0.92 | 0.93 | 0.93 | 0.93 | 0.93 | 0.93 |
| Efficiency | ||||||||||
| Asset turnover | - | 0.00 | 0.00 | 0.00 | - | 0.00 | 0.00 | 0.00 | - | 0.00 |
| 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) | - | -94.7% | -93.5% | -93.9% | - | 3.4% | 6.0% | 5.7% | - | 6.0% |
| Revenue CAGR (3y) | - | -61.2% | -59.5% | -60.9% | - | 2.8% | 0.7% | 0.1% | - | 1.6% |
| Revenue CAGR (5y) | - | -43.5% | -42.9% | -42.8% | - | 1.7% | 7.3% | 2.3% | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | - | -20.8% | -38.9% | -60.7% | - | -37.5% | -24.3% | 21.4% | - | -16.5% |
| Net income growth (YoY) | - | -18.7% | -40.3% | -59.8% | - | -38.3% | -14.0% | 22.2% | - | -16.0% |
| EPS growth (YoY) | - | -19.7% | -41.1% | -60.4% | - | -37.7% | -12.6% | 23.3% | - | -16.5% |
| EPS CAGR (3y) | - | -25.3% | -22.8% | -22.1% | - | -7.7% | 115.4% | 198.1% | - | 0.6% |
| EPS CAGR (5y) | - | -12.6% | -9.6% | -10.9% | - | -7.4% | 3.2% | 9.3% | - | 6.9% |
| FCF growth (YoY) | - | - | - | -4222.6% | - | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | 2.8% | 23.1% | 11.4% | 10.3% | 15.7% | 0.7% | -2.0% | -6.5% | -16.3% | -16.2% |
Peer comparison
Same SIC group: National Commercial Banks
Comparing EVANS BANCORP INC against the 5 most active filers in the same SIC group.