Evans Bancorp, Inc. Financial Ratios — EVBN Stock

Profitability (USD)

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Return on Common Equity (%)	23.23	24.33	27.08	21.77	19.4	16.57	15.83	17.9	23.69	20.81	12.43	23.57	18.9	18.33	8.32
Return on Assets (%)	0.75	0.87	1.05	0.96	0.97	0.88	0.81	0.87	1.22	1.19	0.64	1.13	1.02	1.14	0.56
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	5	5.2	5.23	4.93	3.8	3.32	3.5	3.38	2.97	2.93	1.58	1.38	1.79	1.66	1.79
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	19.06	22.63	29.26	23.67	21.49	25.5	22.97	30.07	30.38	31.76	16.82	34.85	32.04	36.9	20.62
Profit Margin (%)	13.04	15.91	20.03	19.4	19.79	17.23	18.64	20.08	26.66	24.3	14.77	26.24	24.28	26.05	17.27
Net Income to Common Margin (%)	13.04	15.91	20.03	19.4	19.79	17.23	18.64	20.08	26.66	24.3	14.77	26.24	24.28	26.05	17.27
Effective Tax Rate (%)	31.62	29.71	31.54	18.05	7.92	32.45	18.86	33.2	12.25	23.51	12.2	24.69	24.24	29.39	16.22
Dvd Payout Ratio (%)	28.62	26.9	34.74	13.97	33.41	38.88	39.39	36.44	27.07	29.93	53.27	27.21	31.01	29.45	60.97
Sustainable Growth Rate (%)	16.58	17.79	17.67	18.73	12.92	10.13	9.59	11.38	17.28	14.58	5.81	17.16	13.04	12.93	3.25

Credit (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Total Debt	47	33	30	20	39	21	40	100	21	25	81	69	229	180	115
ST Debt	14	3	10	9	14	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	33	30	20	11	25	21	40	100	21	25	81	69	229	180	115
Total Debt/EBITDA	25.32	16.7	14.27	10.19	24.62	14.1	25.44	56.52	11.69	12.44	67.44	54.81	138.92	115.69	93.33
Net Debt/EBITDA	17.93	9.34	-28.3	-10.83	17.69	-0.85	17.02	44.41	-10.18	-8.55	-18.29	-143.6	122.05	98.03	55.47
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.41	3.69	4.04	4.74	5.31	5.3	4.98	4.81	5.46	6.01	4.56	5.01	5.79	6.71	6.66
Long-Term Debt/Equity (%)	52.85	43.96	27.17	14.04	29.18	23.37	40.86	84.15	16.2	17.17	48.11	37.56	148.58	101.2	62.98
Long-Term Debt/Capital (%)	47.7	49.97	32.26	18.94	29.91	30.01	41.91	61.51	21.97	22.51	46.57	38.4	64.46	56.05	44.18
Long-Term Debt/Total Assets (%)	4.96	4.09	2.51	1.36	2.96	2.27	3.59	7.69	1.54	1.75	3.98	3.12	10.5	8.55	5.27
Total Debt/Equity (%)	74.53	48.31	40.53	25.19	45.15	23.37	40.86	84.15	16.2	17.17	48.11	37.56	148.58	101.2	62.98
Total Debt/Capital (%)	67.26	54.91	48.12	33.99	46.29	30.01	41.91	61.51	21.97	22.51	46.57	38.4	64.46	56.05	44.18
Total Debt/Total Assets (%)	7	4.5	3.75	2.44	4.57	2.27	3.59	7.69	1.54	1.75	3.98	3.12	10.5	8.55	5.27
Net Debt to Equity	52.77	27.04	-80.38	-26.79	32.44	-1.41	27.33	66.12	-14.12	-11.81	-13.05	-98.39	130.54	85.76	37.44
Net Debt/Capital (%)	59.26	40.53	219.12	-121.13	38.24	-2.66	32.56	55.67	-32.5	-23.57	-28.66	278.55	60.57	51.23	31.39
EBITDA	2	2	2	2	2	2	2	2	2	2	1	1	2	2	1
EBITDA-CapEx	-1	1	- -	1	1	- -	- -	1	1	-3	-5	- -	1	1	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.41	3.69	4.04	4.74	5.31	5.3	4.98	4.81	5.46	6.01	4.56	5.01	5.79	6.71	6.66
Long-Term Debt/Equity (%)	52.85	43.96	27.17	14.04	29.18	23.37	40.86	84.15	16.2	17.17	48.11	37.56	148.58	101.2	62.98
Long-Term Debt/Capital (%)	47.7	49.97	32.26	18.94	29.91	30.01	41.91	61.51	21.97	22.51	46.57	38.4	64.46	56.05	44.18
Long-Term Debt/Total Assets (%)	4.96	4.09	2.51	1.36	2.96	2.27	3.59	7.69	1.54	1.75	3.98	3.12	10.5	8.55	5.27
Total Debt/Equity (%)	74.53	48.31	40.53	25.19	45.15	23.37	40.86	84.15	16.2	17.17	48.11	37.56	148.58	101.2	62.98
Total Debt/Capital (%)	67.26	54.91	48.12	33.99	46.29	30.01	41.91	61.51	21.97	22.51	46.57	38.4	64.46	56.05	44.18
Total Debt/Total Assets (%)	7	4.5	3.75	2.44	4.57	2.27	3.59	7.69	1.54	1.75	3.98	3.12	10.5	8.55	5.27
CFO/Total Liabilities	1.58	1.61	1.71	1.74	1.45	0.96	1.15	1.15	2	1.61	0.42	1.01	1.3	0.81	-0.14
CFO/CapEx	3.47	14.9	6.29	9.05	19	4.29	7.95	27.91	22.72	4.54	1.34	19.86	26.2	30.37	-8.04
Altman's Z-Score	0.13	0.13	0.14	0.16	0.18	0.18	0.17	0.19	0.18	0.21	0.14	0.17	0.18	0.19	0.12

Working Capital (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Accounts Receivable Turnover	- -	30.22	16.45	16.69	16.97	17.86	13.04	9.57	8.54	9.78	7.69	13.99	- -	- -	- -
Days Sales Outstanding	- -	12.08	22.2	21.86	21.5	20.44	28	38.15	42.76	37.3	47.48	26.09	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Market Capitalization	33	33	45	63	74	82	105	158	127	163	129	197	188	165	- -
- Cash & Cash Equivalents	14	15	90	42	11	23	13	21	40	39	98	245	23	23	43
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	47	33	30	20	39	21	40	100	21	25	81	69	229	180	115
Enterprise Value	67	-49	-107	-59	7	-16	36	92	-24	22	-50	-284	29	47	-93
Total Capital	70	61	63	60	84	71	94	162	97	113	174	180	355	322	261
Total Debt/Capital (%)	67.26	54.91	48.12	33.99	46.29	30.01	41.91	61.51	21.97	22.51	46.57	38.4	64.46	56.05	44.18
Total Debt / EV	0.71	-0.68	-0.28	-0.35	5.89	-1.3	1.1	1.08	-0.89	1.15	-1.63	-0.24	7.86	3.88	-1.24
EV/Sales	1.79	- -	- -	- -	0.16	- -	0.81	1.77	- -	0.32	- -	- -	0.32	0.49	- -
EV/EBITDA	35.86	- -	- -	- -	4.18	- -	23.07	52.3	- -	10.82	- -	- -	17.67	29.85	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	6.92	- -	- -	- -	0.6	- -	3.11	6.84	- -	1.05	- -	- -	1.1	2.96	- -
EV/Free Cash Flow to Firm	5.38	- -	- -	- -	0.57	- -	2.76	6.6	- -	0.86	- -	- -	1.06	2.87	- -
Diluted Market Cap	33	33	45	63	75	83	106	160	129	163	129	198	191	166	- -
Diluted Enterprise Value	67	51	-15	42	103	82	132	239	110	150	113	22	397	323	73
EV per Share	18.42	- -	- -	- -	1.56	- -	8.34	19.27	- -	4.5	- -	- -	5.35	8.53	- -
TTM Sales	37	38	41	41	41	46	44	52	61	70	76	92	92	94	69
TTM EBITDA	2	2	2	2	2	2	2	2	2	2	1	1	2	2	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	10	11	13	13	11	8	12	13	25	21	8	21	26	16	-3
TTM Free Cash Flow to Firm	12	12	15	15	12	10	13	14	26	26	14	22	27	16	-2

Multiples (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Price/Free Cash Flow	2.69	2.82	3.08	4.34	6.5	8.31	8.16	11.48	4.91	6.36	9.47	9.19	6.97	10.22	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	67	-49	-107	-59	7	-16	36	92	-24	22	-50	-284	29	47	-93
Low Price	11.23	10.75	11.79	15.5	20.58	22.75	22.87	32	30.61	32.18	20.5	26.84	32.53	23.2	24.07
EV/Sales	1.79	- -	- -	- -	0.16	- -	0.81	1.77	- -	0.32	- -	- -	0.32	0.49	- -
EV/EBITDA	35.86	- -	- -	- -	4.18	- -	23.07	52.3	- -	10.82	- -	- -	17.67	29.85	- -
Price/Earnings	6.88	5.33	5.54	7.97	9.07	10.46	12.65	15.05	7.74	9.61	11.46	8.21	8.38	6.74	- -
Price/Earnings Average	6.41	5.88	5.3	6.96	8.51	9.75	10.5	14.31	10.47	8.6	10.99	7.35	8.36	6.32	- -
Price/Earnings High	12.42	10.15	9.59	12.04	13.09	13.98	19.58	21.49	14.61	12.1	19.87	9.67	10.8	9.03	- -
Price/Earnings Low	8.38	7.21	6.05	8.29	10.57	12.35	11.89	14.6	9.08	9.32	9.86	6.12	7.9	5.16	- -
Price/Book Value	1.45	1.19	1.38	1.59	1.65	1.65	1.91	2.53	1.67	1.86	1.38	1.78	1.49	1.17	- -
Price/Book Value Average	1.36	1.31	1.32	1.38	1.55	1.54	1.58	2.41	2.26	1.67	1.33	1.59	1.48	1.1	- -
Price/Book Value High	2.63	2.27	2.39	2.4	2.39	2.2	2.96	3.61	3.15	2.35	2.4	2.1	1.92	1.57	- -
Price/Book Value Low	1.77	1.61	1.5	1.65	1.92	1.95	1.8	2.46	1.96	1.81	1.19	1.33	1.4	0.9	- -
Price/Tangible Book Value	0.62	0.54	0.68	0.87	0.96	0.99	1.19	1.44	1.07	1.21	0.84	1.16	1.34	0.94	- -
Price/Tangible Book Value Average	0.58	0.6	0.65	0.76	0.9	0.93	0.99	1.37	1.45	1.08	0.8	1.04	1.34	0.88	- -
Price/Tangible Book Value High	1.12	1.04	1.18	1.31	1.39	1.33	1.84	2.06	2.02	1.52	1.45	1.37	1.73	1.26	- -
Price/Tangible Book Value Low	0.75	0.74	0.75	0.9	1.12	1.17	1.12	1.4	1.26	1.17	0.72	0.87	1.26	0.72	- -
Price/Sales	0.9	0.85	1.11	1.55	1.8	1.8	2.36	3.02	2.06	2.33	1.69	2.15	2.04	1.76	- -
Price/Sales Average	0.84	0.94	1.06	1.35	1.68	1.68	1.96	2.87	2.79	2.09	1.62	1.93	2.03	1.65	- -
Price/Sales High	1.62	1.61	1.92	2.34	2.59	2.41	3.65	4.32	3.89	2.94	2.93	2.54	2.62	2.35	- -
Price/Sales Low	1.09	1.15	1.21	1.61	2.09	2.13	2.22	2.93	2.42	2.27	1.46	1.61	1.92	1.34	- -
Price/Cash Flow	3.46	3.01	3.57	4.78	6.74	10.13	9.07	11.7	5.04	7.76	16.55	9.62	7.11	10.53	- -
Price/Cash Flow Average	3.22	3.32	3.42	4.17	6.32	9.45	7.52	11.12	6.82	6.94	15.88	8.61	7.09	9.87	- -
Price/Cash Flow High	6.25	5.74	6.19	7.22	9.73	13.54	14.04	16.7	9.51	9.77	28.69	11.33	9.16	14.1	- -
Price/Cash Flow Low	4.22	4.08	3.9	4.97	7.85	11.96	8.52	11.35	5.91	7.53	14.25	7.17	6.7	8.06	- -
Price/Free Cash Flow Average	2.51	3.12	2.95	3.79	6.09	7.75	6.77	10.92	6.64	5.69	9.09	8.23	6.95	9.58	- -
Price/Free Cash Flow High	4.86	5.38	5.34	6.56	9.37	11.11	12.64	16.39	9.26	8	16.42	10.83	8.98	13.69	- -
Price/Free Cash Flow Low	3.28	3.82	3.37	4.52	7.56	9.81	7.67	11.14	5.76	6.17	8.15	6.85	6.57	7.83	- -
EV/Sales Average	1.73	1.42	- -	0.82	2.36	1.65	2.55	4.37	2.49	1.9	1.41	0.01	4.26	3.31	1.05
EV/Sales High	2.52	2.1	0.44	1.8	3.26	2.38	4.25	5.82	3.59	2.75	2.72	0.62	4.85	4.02	1.05
EV/Sales Low	1.99	1.63	- -	1.07	2.76	2.1	2.81	4.43	2.12	2.07	1.24	- -	4.15	3.01	1.05
EV/EBITDA Average	34.63	27.35	-8.01	16.54	62	49.71	72.89	129.52	83.69	64.89	89.05	0.73	238.54	200.05	58.77
EV/EBITDA High	50.33	40.42	8.4	36.57	85.84	71.6	121.27	172.2	120.72	93.91	171.86	45.04	271.76	242.63	58.77
EV/EBITDA Low	39.79	31.44	-5.16	21.79	72.69	63.16	80.31	131.27	71.21	70.89	78.5	-22.67	232.31	181.84	58.77
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	9.21	7.94	10.8	14.9	17.67	19.27	24.33	32.98	26.1	33.16	23.81	36	34.52	30.3	43.3
High Price	16.64	15.12	18.7	22.52	25.5	25.75	37.67	47.08	49.23	41.75	41.29	42.4	44.48	40.57	46.21
Enterprise Value Average	64	55	-17	33	98	75	113	228	153	133	107	1	393	312	73
Enterprise Value High	93	81	18	73	135	108	188	303	220	192	207	57	448	378	73
Enterprise Value Low	74	63	-11	43	114	96	125	231	130	145	95	-29	383	283	73

Shares Outstanding	4	4	4	4	4	4	4	5	5	5	5	5	5	5	6
Diluted Weighted Avg Shares	4	4	4	4	4	4	4	5	5	5	5	6	6	5	- -
Basic Weighted Avg Shares	4	4	4	4	4	4	4	5	5	5	5	5	5	5	- -
Revenue per Share	10.27	9.37	9.73	9.64	9.84	10.69	10.32	10.91	12.64	14.21	14.07	16.71	16.96	17.25	- -
EBITDA per Share	0.51	0.49	0.51	0.48	0.37	0.36	0.36	0.37	0.38	0.42	0.22	0.23	0.3	0.29	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.34	1.49	1.95	1.87	1.95	1.84	1.92	2.19	3.37	3.45	2.08	4.39	4.12	4.49	- -
Basic EPS from Cont Ops	1.34	1.49	1.95	1.87	1.95	1.84	1.92	2.19	3.37	3.45	2.08	4.39	4.12	4.49	- -
Diluted EPS, GAAP	1.34	1.49	1.95	1.85	1.92	1.82	1.9	2.16	3.32	3.45	2.08	4.37	4.04	4.48	- -
Diluted EPS from Cont Ops	1.34	1.49	1.95	1.85	1.92	1.82	1.9	2.16	3.32	3.45	2.08	4.37	4.04	4.48	- -
Dividend per Share	0.38	0.4	0.68	0.26	0.65	0.72	0.76	0.8	0.91	1.03	1.11	1.19	1.28	1.32	- -
Cash Flow per Share	2.66	2.64	3.02	3.12	2.62	1.9	2.68	2.82	5.18	4.28	1.44	3.74	4.86	2.88	- -
Free Cash Flow per Basic Share	1.89	2.46	2.54	2.77	2.48	1.46	2.35	2.72	4.95	3.33	0.36	3.55	4.67	2.78	- -
Cash & Equivalents per Share	3.8	27.95	43.76	33.71	25.32	28.13	25.18	34.53	35.45	33.83	48.05	100.45	71.25	54.83	- -
Book Value per Share	6.33	6.67	7.84	9.4	10.69	11.69	12.74	13.03	15.61	17.8	17.23	20.2	23.2	25.92	- -
Tangible Book Value per Share	14.89	14.58	15.81	17.14	18.36	19.4	20.42	22.83	24.32	27.46	28.45	30.93	25.76	32.32	- -

Evans Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)