/EVBN

EVBN Stock - Evans Bancorp, Inc.

Q: What is the analyst price target for EVBN?

Analyst price target information is not currently available for EVBN.

Q: What is EVBN's market cap?

Market capitalization information is not currently available for EVBN.

Financial Services|Banks - Regional|AMEX

$39.53+2.41%

+$0.93 (+2.41%) • May 2

GoAI Score

Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.

HOLD

Medium Confidence

Momentum

Momentum Score

Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.

Sentiment

Sentiment Score

Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).

Risk Score

Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.

Price Target

Average analyst price target from the last quarter. Shows expected upside/downside from current price.

+10.0%upside

Target: $43.48

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Financial Statements

Revenue & Profitability Trend

FY2020

FY2021

FY2022

FY2023

FY2024

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Revenue

Net Income (Profit)

Net Loss

Key Metrics

Market CapN/A

P/E RatioN/A

Beta0.75

52W High$46.21

52W Low$25.59

Avg VolumeN/A

Income Statement (Fiscal Year)

Metric	FY2024	FY2023	FY2022	FY2021	FY2020
Revenue	$69.21M	$94.11M	$92.23M	$91.61M	$76.16M
Gross Profit	$69.21M	$94.13M	$92.23M	$91.61M	$76.16M
Gross Margin	100.0%	100.0%	100.0%	100.0%	100.0%
Operating Income	$13.74M	N/A	$37.33M	$31.93M	$23.32M
Net Income	$11.95M	$24.52M	$22.39M	$24.04M	$11.25M
Net Margin	17.3%	26.1%	24.3%	26.2%	14.8%
EPS	$2.15	$4.49	$4.07	$4.39	$2.08

Company Overview

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.

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Rating Distribution

Strong Buy

Buy / Outperform

Hold / Neutral

100%

Sell / Underperform

Analyst Consensus🔴 Bearish

0 Bullish1 Neutral/Bearish

Price Targets

$32

Average Target

↓ 19.0% Downside

Now

$32

Low

$32

Average

$32

High

Based on 1 analyst

Recent Analyst Actions

Date	Firm	Action	Rating	Price Target
February 2nd 2024	Piper Sandler	Downgrade	Neutral	$32

Earnings History & Surprises

EVBN

Beat Rate

80%

Last 20 quarters

Avg Surprise

+30.8%

EPS vs Estimate

Beats / Misses

16/4

Last 12 quarters

Latest EPS

$0.42

Q2 2025

EPS Surprise History

Q3 23

+40.6%

$0.90vs$0.64

Q4 23

-7.0%

$0.66vs$0.71

Q1 24

+320.5%

$1.85vs$0.44

Q2 24

+2.4%

$0.42vs$0.41

Q3 24

+39.5%

$0.53vs$0.38

Q4 24

+32.5%

$0.53vs$0.40

Q1 25

+39.6%

$0.67vs$0.48

Q2 25

-27.6%

$0.42vs$0.58

Beat Estimate

Missed Estimate

Quarterly EPS Details

Period	Report Date	Estimated EPS	Actual EPS	Surprise	Result
Q2 2025	May 8, 2025	$0.58	$0.42	-27.6%	✗ MISS
Q1 2025	Feb 4, 2025	$0.48	$0.67	+39.6%	✓ BEAT
Q4 2024	Oct 31, 2024	$0.40	$0.53	+32.5%	✓ BEAT
Q3 2024	Jul 30, 2024	$0.38	$0.53	+39.5%	✓ BEAT
Q2 2024	Apr 30, 2024	$0.41	$0.42	+2.4%	✓ BEAT
Q1 2024	Feb 1, 2024	$0.44	$1.85	+320.5%	✓ BEAT
Q4 2023	Oct 26, 2023	$0.71	$0.66	-7.0%	✗ MISS
Q3 2023	Jul 27, 2023	$0.64	$0.90	+40.6%	✓ BEAT
Q2 2023	Apr 27, 2023	$0.89	$1.06	+19.1%	✓ BEAT
Q1 2023	Feb 2, 2023	$1.08	$1.10	+1.9%	✓ BEAT
Q4 2022	Oct 26, 2022	$1.14	$1.06	-7.0%	✗ MISS
Q3 2022	Jul 27, 2022	$0.91	$1.03	+13.2%	✓ BEAT
Q2 2022	Apr 27, 2022	$0.81	$0.86	+6.2%	✓ BEAT
Q1 2022	Feb 3, 2022	$1.01	$1.06	+5.0%	✓ BEAT
Q4 2021	Oct 28, 2021	$0.93	$1.27	+36.6%	✓ BEAT
Q3 2021	Jul 29, 2021	$0.96	$1.15	+19.8%	✓ BEAT
Q2 2021	Apr 29, 2021	$0.95	$0.89	-6.3%	✗ MISS
Q1 2021	Feb 4, 2021	$0.78	$1.00	+28.2%	✓ BEAT
Q4 2020	Oct 29, 2020	$0.66	$0.84	+27.3%	✓ BEAT
Q3 2020	Jul 29, 2020	$0.64	$0.84	+31.2%	✓ BEAT

Frequently Asked Questions about EVBN

What is EVBN's current stock price?

Evans Bancorp, Inc. (EVBN) is currently trading at $39.53 per share. The stock has moved +2.41% today.

What is the analyst price target for EVBN?

No analyst price targets are currently available for this stock.

What sector is Evans Bancorp, Inc. in?

Evans Bancorp, Inc. operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the AMEX exchange.

What is EVBN's market cap?

Evans Bancorp, Inc. has a market capitalization of $0.22 billion, making it a small-cap company.

Does EVBN pay dividends?

No, Evans Bancorp, Inc. does not currently pay a dividend to shareholders.