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Evans Bancorp, Inc.

  • Market Cap: Micro Cap
  • Industry: Major Banks
  • ISIN: US29911Q2084
USD
39.53
0.93 (2.41%)

May 02

ASE

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
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Northeast Community Bancorp, Inc.
The First Bancorp, Inc. (Maine)
Arrow Financial Corp.
The First of Long Island Corp.
Evans Bancorp, Inc.
American National Bankshares, Inc. (Virginia)
Why is Evans Bancorp, Inc. ?
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Unrated Stock - No Analysis Available
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

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No Data Found
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Sales Growth (5y)
11.17%
EBIT Growth (5y)
-7.63%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
53.27%
Pledged Shares
0
Institutional Holding
79.05%
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
1.20
EV to EBIT
19.48
EV to EBITDA
17.96
EV to Capital Employed
1.15
EV to Sales
2.61
PEG Ratio
NA
Dividend Yield
3.29%
ROCE (Latest)
5.89%
ROE (Latest)
7.36%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
No Trend
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

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Not enough Data to analyse Financial Trend
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Not enough Data to analyse Financial Trend
Here's what is working for Evans Bancorp, Inc.
Operating Profit
Highest at USD 5.1 MM and Grown
In each period in the last five periods
MOJO Watch
Near term Operating Profit trend is quite positive

Operating Profit (USD MM)

Operating Profit Margin
Highest at 18.19 % and Grown
In each period in the last five periods
MOJO Watch
Company's profit margin has improved

Operating Profit to Sales

Non Performing Loans (%)
Lowest at 1.13%
in the last four Semi-Annual periods
MOJO Watch
Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

NII
Highest at USD 15.7 MM
in the last five periods
MOJO Watch
The bank's income from core business is increasing

NII (USD MM)

Dividend Payout Ratio
Highest at 98.4%
in the last five years
MOJO Watch
Company is distributing higher proportion of profits generated as dividend

DPR (%)

Here's what is not working for Evans Bancorp, Inc.
Pre-Tax Profit
At USD 4.61 MM has Fallen at -71.01%
Year on Year (YoY)
MOJO Watch
Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit
At USD 4.8 MM has Fallen at -52.78%
Year on Year (YoY)
MOJO Watch
Near term Net Profit trend is very negative

Net Profit (USD MM)

Operating Cash Flow
Lowest at USD -3.24 MM and Fallen
In each year in the last three years
MOJO Watch
The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Interest
At USD 39.48 MM has Grown at 33.38%
over previous Semi-Annual period
MOJO Watch
Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

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