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Evans Bancorp (EVBN)
:EVBN
US Market

Evans Bancorp (EVBN) Ratios

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Evans Bancorp Ratios

EVBN's free cash flow for Q4 2024 was $0.58. For the 2024 fiscal year, EVBN's free cash flow was decreased by $ and operating cash flow was $0.15. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
51.24 5.78 82.02 103.82 39.53
Quick Ratio
51.24 5.78 82.02 103.82 56.67
Cash Ratio
10.49 5.78 1.33 45.09 12.75
Solvency Ratio
<0.01 0.01 0.01 0.39 <0.01
Operating Cash Flow Ratio
-0.68 3.86 5.59 3.94 1.18
Short-Term Operating Cash Flow Coverage
-0.68 0.10 0.00 0.00 0.00
Net Current Asset Value
$ -1.80B$ -1.91B$ -1.64B$ 472.92M$ -1.62B
Leverage Ratios
Debt-to-Assets Ratio
0.05 0.09 0.11 0.03 0.04
Debt-to-Equity Ratio
0.63 1.07 1.50 0.37 0.47
Debt-to-Capital Ratio
0.39 0.52 0.60 0.27 0.32
Long-Term Debt-to-Capital Ratio
0.38 0.15 0.59 0.00 0.28
Financial Leverage Ratio
11.94 11.83 14.15 12.02 12.10
Debt Service Coverage Ratio
0.12 -0.05 3.68 5.28 1.38
Interest Coverage Ratio
0.37 0.00 5.72 6.66 1.42
Debt to Market Cap
0.52 1.09 1.09 0.00 0.46
Interest Debt Per Share
30.00 41.33 43.27 13.36 16.95
Net Debt to EBITDA
8.01 0.00 7.21 -5.03 -0.30
Profitability Margins
Gross Profit Margin
84.13%100.02%100.00%100.00%100.00%
EBIT Margin
14.66%-1.66%32.04%34.85%16.82%
EBITDA Margin
11.03%0.00%33.83%36.22%18.40%
Operating Profit Margin
23.22%0.00%40.47%34.85%16.82%
Pretax Profit Margin
17.35%36.90%32.04%34.85%16.82%
Net Profit Margin
14.53%26.06%24.28%26.24%14.77%
Continuous Operations Profit Margin
14.53%26.06%24.28%26.24%14.77%
Net Income Per EBT
83.78%70.61%75.76%75.31%87.80%
EBT Per EBIT
74.69%0.00%79.17%100.00%100.00%
Return on Assets (ROA)
0.55%1.16%1.03%1.09%0.55%
Return on Equity (ROE)
6.63%13.76%14.54%13.07%6.66%
Return on Capital Employed (ROCE)
0.87%0.00%1.72%1.45%0.63%
Return on Invested Capital (ROIC)
3.26%0.00%3.58%2.73%2.45%
Return on Tangible Assets
0.55%1.16%1.03%1.09%0.55%
Earnings Yield
5.46%14.26%10.90%10.95%7.80%
Efficiency Ratios
Receivables Turnover
0.00 0.00 0.00 0.00 0.00
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
4.58 4.91 4.31 4.05 3.10
Asset Turnover
0.04 0.04 0.04 0.04 0.04
Working Capital Turnover Ratio
0.73 4.99 0.20 0.23 0.36
Cash Conversion Cycle
0.00 0.00 0.00 0.00 0.00
Days of Sales Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 0.00 0.00 0.00
Operating Cycle
0.00 0.00 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
-0.50 2.88 4.81 3.77 1.49
Free Cash Flow Per Share
-0.57 2.78 4.62 3.58 0.38
CapEx Per Share
0.06 0.09 0.18 0.19 1.11
Free Cash Flow to Operating Cash Flow
1.14 0.97 0.96 0.95 0.25
Dividend Paid and CapEx Coverage Ratio
-0.36 2.03 3.32 2.71 0.66
Capital Expenditure Coverage Ratio
-8.04 30.37 26.20 19.86 1.34
Operating Cash Flow Coverage Ratio
-0.02 0.08 0.11 0.30 0.10
Operating Cash Flow to Sales Ratio
-0.03 0.17 0.29 0.22 0.10
Free Cash Flow Yield
-1.43%8.82%12.36%8.87%1.36%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
18.33 7.01 9.18 9.13 12.81
Price-to-Sales (P/S) Ratio
2.68 1.83 2.23 2.40 1.89
Price-to-Book (P/B) Ratio
1.20 0.97 1.33 1.19 0.85
Price-to-Free Cash Flow (P/FCF) Ratio
-69.80 11.33 8.09 11.27 73.34
Price-to-Operating Cash Flow Ratio
-79.48 10.96 7.78 10.70 18.51
Price-to-Earnings Growth (PEG) Ratio
-0.52 0.68 -1.19 0.09 -0.34
Price-to-Fair Value
1.20 0.97 1.33 1.19 0.85
Enterprise Value Multiple
32.27 0.00 13.80 1.58 9.98
Enterprise Value
292.71M 338.41M 430.42M 52.55M 139.87M
EV to EBITDA
32.27 0.00 13.80 1.58 9.98
EV to Sales
3.56 3.60 4.67 0.57 1.84
EV to Free Cash Flow
-92.84 22.29 16.95 2.70 71.18
EV to Operating Cash Flow
-106.17 21.56 16.30 2.56 17.96
Tangible Book Value Per Share
32.71 32.32 25.49 390.73 29.25
Shareholders’ Equity Per Share
33.04 32.66 28.02 33.76 32.28
Tax and Other Ratios
Effective Tax Rate
0.16 0.29 0.24 0.25 0.12
Revenue Per Share
14.84 17.25 16.78 16.82 14.55
Net Income Per Share
2.16 4.49 4.07 4.41 2.15
Tax Burden
0.84 0.71 0.76 0.75 0.88
Interest Burden
1.18 -22.28 1.00 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.39 0.41 0.49 0.49 0.52
Stock-Based Compensation to Revenue
0.02 0.01 0.01 0.01 0.01
Income Quality
-0.23 0.64 1.18 0.85 0.69
Currency in USD
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