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Evans Bancorp (EVBN)

Evans Bancorp, Inc. is a bank holding company, which engages in the provision of financial solutions. It operates through the Banking Activities and Insurance Agency Activities segments. The Banking Activities segment offers consumer and commercial banking services such as lending, deposits, annuities, and mutual funds. The Insurance Agency Activities segment includes insurance policies on a commission basis, surety bonds, risk management, and disability reinsurance products. The company was founded on October 28, 1988 and is headquartered in Hamburg, NY.

Company profile

Ticker
EVBN
Exchange
CEO
David John Nasca
Employees
Incorporated
Location
Fiscal year end
Industry (SIC)
SEC CIK
Subsidiaries
Evans National Financial Services, LLC • The Evans Agency, LLC • Frontier Claims Services, Inc. • Evans National Holding Corp. • Evans National Leasing, Inc. • MMS Merger Sub, Inc. ...
IRS number
161332767

EVBN stock data

Investment data

Data from SEC filings
Securities sold
Number of investors

Calendar

29 Jul 22
9 Aug 22
31 Dec 22
Quarter (USD) Jun 22 Mar 22 Dec 21 Sep 21
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Annual (USD) Dec 21 Dec 20 Dec 19 Dec 18
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Cash burn rate (est.) Burn method: Change in cash Burn method: Operating income Burn method: FCF (opex + capex)
Last Q Avg 4Q Last Q Avg 4Q Last Q Avg 4Q
Cash on hand (at last report) 98.76M 98.76M 98.76M 98.76M 98.76M 98.76M
Cash burn (monthly) 19.97M 3.58M (no burn) (no burn) (no burn) (no burn)
Cash used (since last report) 26.7M 4.78M n/a n/a n/a n/a
Cash remaining 72.06M 93.98M n/a n/a n/a n/a
Runway (months of cash) 3.6 26.3 n/a n/a n/a n/a

Beta Read what these cash burn values mean

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
16 Mar 22 Nasca David J Common Stock Sell Dispose S No No 39.02 2,595 101.26K 90,299.73
16 Mar 22 Nasca David J Common Stock Option exercise Acquire M No No 15.5 2,595 40.22K 92,894.73
16 Mar 22 Nasca David J Common Stock Payment of exercise Dispose F No No 38.95 3,099 120.71K 90,299.73
16 Mar 22 Nasca David J Common Stock Option exercise Acquire M No No 15.5 7,785 120.67K 93,398.73
16 Mar 22 Nasca David J Option Common Stock Option exercise Dispose M No No 15.5 2,595 40.22K 0
16 Mar 22 Nasca David J Option Common Stock Option exercise Dispose M No No 15.5 7,785 120.67K 0
15 Mar 22 Robert G Miller JR Common Stock Sell Dispose S No No 38.99 2,000 77.98K 58,911.47
15 Mar 22 Robert G Miller JR Common Stock Option exercise Acquire M No No 15.5 2,000 31K 60,911.47
15 Mar 22 Robert G Miller JR Option Common Stock Option exercise Dispose M No No 15.5 2,000 31K 0
15 Mar 22 Nasca David J RSU Common Stock Grant Acquire A No No 0 2,118 0 2,118
61.4% owned by funds/institutions
13F holders Current Prev Q Change
Total holders 53 59 -10.2%
Opened positions 1 11 -90.9%
Closed positions 7 5 +40.0%
Increased positions 23 17 +35.3%
Reduced positions 17 18 -5.6%
13F shares Current Prev Q Change
Total value 129.36M 136.81M -5.4%
Total shares 3.38M 3.39M -0.2%
Total puts 0 0
Total calls 0 0
Total put/call ratio
Largest owners Shares Value Change
FJ Capital Management 532.9K $20.25M -0.0%
PL Capital Advisors 413.65K $15.72M +0.9%
Manufacturers Life Insurance Company, The 316.68K $12.03M +0.6%
MFC Manulife Financial 314.86K $12.69M 0.0%
Vanguard 238.68K $9.07M +5.3%
Alliancebernstein 178.17K $6.77M +7.5%
Dimensional Fund Advisors 163.36K $6.21M +0.6%
Endeavour Capital Advisors 158.1K $6.01M 0.0%
CLS Investments 151.9K $5.77M -3.7%
Elizabeth Park Capital Advisors 101.99K $3.88M +18.4%
Largest transactions Shares Bought/sold Change
Basswood Capital Management, L.L.C. 43.68K -31.93K -42.2%
Employees Retirement System of Texas 47.7K +22K +85.6%
STT State Street 27.38K -19.84K -42.0%
Bridgeway Capital Management 35.7K -17.6K -33.0%
Elizabeth Park Capital Advisors 101.99K +15.87K +18.4%
Alliancebernstein 178.17K +12.5K +7.5%
Vanguard 238.68K +11.94K +5.3%
Ergoteles 0 -8.41K EXIT
Millennium Management 55.17K +7.89K +16.7%
Advisors Capital Management 70.52K +7.79K +12.4%

Financial report summary

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Competition
M & T Bank

Content analysis

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Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability
H.S. freshman Avg
New words: communication, COVID, preliminary, procedural, sizable, vendor
Removed: April, brought, continued, declared, descriptive, developing, dividend, fee, flat, fourth, gain, historically, impacted, July, licensing, maximum, measure, offering, profitable, resuming, round, track