Evans Bancorp, Inc.
Evans Bancorp, Inc. 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. 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; 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 consisting of 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 15 full-service banking offices in Erie County, Niagara County, and Chautauqua County, New York. Evans Bancorp, Inc. was founded in 1920 and is headquartered in Hamburg, New York. Show More...
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Website http://evansbank.com
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Sector Finance
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Industry Major Banks
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Last Quote 39.53 USD
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Last Updated 05-05-2025
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External Links Yahoo Finance Morningstar Ratios
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Interest Coverage
The interest coverage ratio is a debt ratio and profitability ratio used to determine how easily a company can pay interest on its outstanding debt.
Reference: Investopedia -
2010-12 2011-12 2012-12 2013-12 2014-12 2015-12 2016-12 2017-12 2018-12 2019-12 TTM Earnings Per Share USD 1.34 1.49 1.95 1.85 1.92 1.82 1.9 2.16 3.32 3.42 2.71 Dividends USD 0.4 0.4 0.68 0.26 0.65 0.72 0.76 0.8 0.92 1.04 1.1 Payout Ratio % * 29.8 32.2 34.9 25.4 36.9 36.9 42.7 32.1 35.3 29.0 40.6 Shares Mil 4.0 4.0 4.0 4.0 4.0 4.0 4.0 5.0 5.0 5.0 5.0 Book Value Per Share * USD 15.45 16.53 17.93 18.72 19.98 21.06 22.14 24.57 25.89 29.39 27.6 Free Cash Flow Per Share * USD 1.89 1.44 2.92 3.32 2.2 2.6 1.16 3.23 3.56 3.85 Return on Assets % 0.75 0.87 1.05 0.96 0.97 0.88 0.81 0.87 1.22 1.19 0.91 Financial Leverage (Average) 10.65 10.74 10.82 10.33 9.87 10.29 11.38 10.95 10.54 9.84 10.3 Return on Equity % 8.88 9.26 11.31 10.1 9.83 8.86 8.8 9.74 13.09 12.15 9.56 Return on Invested Capital % Interest Coverage Current Ratio Quick Ratio Debt/Equity 0.53 0.44 0.27 0.14 0.13 0.23 0.41 0.84 0.16 0.17 0.17