EVANS BANCORP, INC.
None
None, None [HQ]
Ratios
15 Sheets · Starting from 2023Margins, Growth Rates In %
| Ratio | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||||||||
| Gross Margin | 1,027.78 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | |
| Profit Margin | 19.82 | 13.04 | 15.91 | 20.03 | 19.40 | 19.79 | 17.23 | 18.64 | 20.08 | 26.66 | 24.30 | 14.77 | 26.24 | 24.28 | 26.05 | |
| Operating Margin | 252.09 | 37.71 | 40.14 | 47.14 | 37.70 | 33.77 | 33.90 | 33.58 | 44.21 | 45.87 | 31.76 | 16.82 | 34.85 | 40.47 | - - | |
|
EPS Growth
|
-85.96 | 436.00 | 11.19 | 31.54 | -4.08 | 4.26 | -5.61 | 4.32 | 14.51 | 53.85 | 2.06 | -38.04 | 105.12 | -7.71 | 10.32 | |
| EPS USD | 25.00 | 134.00 | 149.00 | 196.00 | 188.00 | 196.00 | 185.00 | 193.00 | 221.00 | 340.00 | 347.00 | 215.00 | 441.00 | 407.00 | 449.00 | |
| Return on Assets (ROA) | 0.11 | 0.72 | 0.82 | 1.00 | 0.94 | 0.97 | 0.84 | 0.75 | 0.81 | 1.18 | 1.16 | 0.55 | 1.09 | 1.03 | 1.16 | |
| Return on Equity (ROE) | 1.54 | 7.67 | 8.86 | 10.87 | 9.73 | 9.54 | 8.59 | 8.55 | 8.85 | 12.42 | 11.39 | 6.66 | 13.07 | 14.54 | 13.76 | |
| Return on Invested Capital (ROIC) | 72.37 | 8.70 | 10.60 | 12.46 | 12.39 | 10.33 | 9.26 | 8.87 | 7.07 | 16.14 | 9.73 | 4.78 | 13.07 | 7.48 | - - | |
| Solvency | ||||||||||||||||
| Equity Ratio | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Debt/Assets | 6.22 | 7.00 | 4.50 | 3.75 | 2.44 | 4.57 | 2.27 | 3.59 | 7.69 | 1.54 | 1.74 | 3.26 | - - | 10.29 | 8.86 | |
| Debt/Equity | 83.79 | 74.53 | 48.31 | 40.53 | 25.19 | 45.15 | 23.37 | 40.86 | 84.15 | 16.20 | 17.07 | 39.40 | - - | 145.51 | 104.78 | |
| Debt/EBITDA | - - | 372.48 | 174.47 | -343.02 | -71.43 | 266.72 | 72.62 | 311.56 | 501.66 | -75.46 | -45.07 | -30.25 | -503.12 | 721.07 | - - | |
|
Debt/Capitalization
|
45.59 | 42.70 | 32.57 | 28.84 | 20.12 | 31.10 | 18.95 | 29.01 | 45.70 | 13.94 | 14.58 | 28.26 | - - | 59.27 | 51.17 | |
| Long-Term Debt/Capitalization | 45.59 | 34.58 | 30.54 | 21.36 | 12.31 | 22.59 | 18.95 | 29.01 | 45.70 | 13.94 | 12.50 | 28.26 | - - | 59.27 | 14.91 | |
| Interest Debt per Share USD | 16.72 | 14.92 | 9.76 | 8.67 | 5.82 | 10.11 | 5.94 | 10.33 | 22.23 | 6.40 | 7.79 | 14.45 | 0.88 | 41.97 | 40.76 | |
| Debt Growth | 4.89 | -25.57 | -29.08 | 27.34 | -20.64 | 15.23 | -17.15 | 54.55 | 119.10 | -77.52 | 14.05 | 185.44 | -14.68 | 240.21 | -17.90 | |
| Liquidity | ||||||||||||||||
| Current Ratio | 2.31 | 2.34 | 1.79 | 1.74 | 1.98 | 1.17 | 1.41 | 1.26 | 1.18 | 1.12 | 2,980.04 | 3,952.64 | 10,381.73 | 8,201.99 | 15.09 | |
| Quick Ratio | 2.31 | 2.34 | 1.79 | 1.74 | 1.98 | 1.17 | 1.41 | 1.26 | 1.18 | 1.12 | 3,810.72 | 5,667.27 | 10,381.73 | 8,201.99 | 15.09 | |
| Cash Ratio | 2.43 | 2.39 | 2.29 | 12.66 | 5.66 | 1.45 | 2.70 | 1.32 | 1.83 | 3.21 | 659.94 | 1,275.30 | 4,509.19 | 132.50 | 15.09 | |
| Operating Cash Flow Ratio | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | 300 | 100 | 300 | 500 | - - | |
| Turnover | ||||||||||||||||
| Inventory Turnover | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Receivables Turnover | - - | - - | 1,510.81 | 1,695.32 | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Payables Turnover | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
|
Asset Turnover
|
0.58 | 5.53 | 5.19 | 5.01 | 4.86 | 4.89 | 4.85 | 4.03 | 4.03 | 4.42 | 4.79 | 3.73 | 4.14 | 4.23 | 4.46 | |
| Fixed Turnover | 38.43 | 342.48 | 366.71 | 357.17 | 362.88 | 404.66 | 411.94 | 392.42 | 493.91 | 585.14 | 1,882.31 | 309.77 | 405.09 | 431.14 | 490.82 | |
| Coverage | ||||||||||||||||
| Interest Coverage | 110.92 | 202.25 | 229.26 | 342.00 | 376.44 | 386.39 | 403.61 | 316.59 | 402.51 | 296.10 | 175.34 | 141.51 | 665.82 | 571.87 | - - | |
| Asset Coverage | 100 | 200 | 300 | 200 | 200 | 200 | 300 | 200 | 100 | 500 | 5,200 | 2,500 | 3,200 | 900 | 1,100 | |
| Cash Flow Coverage (CFGR) | 27.78 | 20.46 | 32.45 | 46.65 | 72.62 | 28.46 | 37.97 | 29.19 | 13.54 | 117.78 | 82.69 | 11.70 | - - | 11.78 | 8.31 | |
| EBITDA Coverage | - - | 100 | 100 | 200 | 200 | 200 | 300 | 200 | 300 | 200 | 100 | 100 | 600 | 400 | - - | |
| Dividend Coverage | - - | -300 | -300 | -200 | -700 | -200 | -200 | -200 | -200 | -300 | -300 | -100 | -300 | -300 | -300 | |
| Time Interest Earned (TIE) | - - | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | -100 | -100 | -100 | -100 | 100 | |
| Market Prospects | ||||||||||||||||
| Dividend Yield | 5.38 | 2.69 | 3.36 | 4.40 | 1.24 | 2.69 | 2.80 | 2.41 | 1.92 | 2.83 | 2.59 | 4.16 | 2.98 | 3.38 | 4.20 | |
| Earnings Yield | 2.24 | 9.40 | 12.50 | 12.66 | 8.89 | 8.04 | 7.20 | 6.12 | 5.28 | 10.45 | 8.66 | 7.80 | 10.95 | 10.90 | 14.26 | |
|
Price/Earnings (P/E)
|
4,472.65 | 1,063.96 | 800.03 | 789.93 | 1,125.16 | 1,243.20 | 1,388.82 | 1,633.14 | 1,894.63 | 957.03 | 1,154.35 | 1,281.46 | 913.02 | 917.68 | 701.50 | |
| Price/Earnings Growth (PEG) | -52.03 | 2.44 | 71.47 | 25.04 | -275.67 | 292.15 | -247.46 | 377.66 | 130.59 | 17.77 | 560.69 | -33.69 | 8.69 | -119.03 | 67.98 | |
|
Price/Book (P/B)
|
68.80 | 81.66 | 70.88 | 85.85 | 109.53 | 118.64 | 119.36 | 139.63 | 167.77 | 118.90 | 131.53 | 85.32 | 119.37 | 133.42 | 96.53 | |
| Price/Tangible Book (P/TB) | 68.80 | 81.66 | 70.88 | 85.85 | 109.53 | 118.64 | 119.36 | 139.63 | 167.77 | 118.90 | 131.53 | 85.32 | 119.37 | 133.42 | 96.53 | |
| Price/Sales (P/S) | 886.51 | 138.70 | 127.27 | 158.21 | 218.24 | 246.01 | 239.27 | 304.38 | 380.51 | 255.14 | 280.49 | 189.22 | 239.62 | 222.78 | 182.76 | |
|
Price/Cash Flow (P/CF)
|
295.61 | 535.63 | 452.13 | 454.04 | 598.78 | 923.52 | 1,345.09 | 1,170.65 | 1,472.84 | 623.06 | 932.01 | 1,850.69 | 1,070.19 | 778.05 | 1,108.69 | |
| Price/Free CF (P/FCF) | 301.13 | 752.09 | 484.66 | 528.87 | 663.89 | 974.82 | 1,754.03 | 1,339.15 | 1,527.57 | 651.75 | 1,195.17 | 7,334.02 | 1,126.94 | 808.93 | 1,146.90 | |
| Price/Operating CF (P/OCF) | 295.61 | 535.63 | 452.13 | 454.04 | 598.78 | 923.52 | 1,345.09 | 1,170.65 | 1,472.84 | 623.06 | 932.01 | 1,850.69 | 1,070.19 | 778.05 | 1,108.69 |