EVBN (Evans Bancorp) Debt-to-Revenue : 2.27 (As of Sep. 2024)

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What is Evans Bancorp Debt-to-Revenue?

Debt-to-Revenue measures a company's ability to pay off its debt.

Evans Bancorp's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2024 was $0.00 Mil. Evans Bancorp's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2024 was $163.57 Mil. Evans Bancorp's annualized Revenue for the quarter that ended in Sep. 2024 was $72.15 Mil. Evans Bancorp's annualized Debt-to-Revenue for the quarter that ended in Sep. 2024 was 2.27.

Evans Bancorp Debt-to-Revenue Historical Data

The historical data trend for Evans Bancorp's Debt-to-Revenue can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Evans Bancorp Debt-to-Revenue Chart

Evans Bancorp Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-Revenue

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0.36

1.07

0.75

2.48

1.92

Evans Bancorp Quarterly Data
	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24
Debt-to-Revenue	Get a 7-Day Free Trial															2.36	1.39	2.57	2.46	2.27

Competitive Comparison of Evans Bancorp's Debt-to-Revenue

For the Banks - Regional subindustry, Evans Bancorp's Debt-to-Revenue, along with its competitors' market caps and Debt-to-Revenue data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Evans Bancorp's Debt-to-Revenue Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Evans Bancorp's Debt-to-Revenue distribution charts can be found below:

* The bar in red indicates where Evans Bancorp's Debt-to-Revenue falls into.

Evans Bancorp Debt-to-Revenue Calculation

Debt-to-Revenue measures a company's ability to pay off its debt.

Evans Bancorp's Debt-to-Revenue for the fiscal year that ended in Dec. 2023 is calculated as

Debt-to-Revenue	=	Total Debt			/	Revenue
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Revenue
	=	(0	+	180.363)	/	94.13
	=	1.92

Evans Bancorp's annualized Debt-to-Revenue for the quarter that ended in Sep. 2024 is calculated as

Debt-to-Revenue	=	Total Debt			/	Revenue
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Revenue
	=	(0	+	163.568)	/	72.152
	=	2.27

In the calculation of annual Debt-to-Revenue, the Revenue of the last fiscal year is used. In calculating the annualized quarterly data, the Revenue data used here is four times the quarterly (Sep. 2024) Revenue data.

Evans Bancorp Debt-to-Revenue Related Terms

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Evans Bancorp Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Evans Bancorp Inc (AMEX:EVBN) » Definitions » Debt-to-Revenue

Comparable Companies

Traded in Other Exchanges

N/A

Address

6460 Main Street, Williamsville, NY, USA, 14221

Website

https://www.evansbancorp.com

Evans Bancorp Inc is a financial holding company. Through its subsidiaries, it provides various banking services to consumers and commercial customers in the USA. The firm operates in two segments, Banking Activities and Insurance Agency Activities. The banking business segment includes both commercial and consumer banking services, including lending and depository services and offering non-deposit investment products, such as annuities and mutual funds. The insurance agency segment includes the activities of selling various premium-based insurance policies on a commission basis, including business and personal insurance, employee benefits, surety bonds, risk management, life, disability and long-term care coverage, and providing claims adjusting services to various insurance companies.

Executives

John B Connerton	officer: Vice President/Controller	ONE GRIMSBY DRIVE, HAMBURG NY 14075
David J Nasca	director	ONE GRIMSBY DRIVE, HAMBURG NY 14075
Miller Robert G Jr	director, officer: Pres. M&W Agency/ENB Assoc.	1845 LAKE ROAD, SILVER CREEK NY 14136
Lee C Wortham	director	ONE GRIMSBY DRIVE, HAMBURG NY 14075
Jody L Lomeo	director	ONE GRIMSBY DRIVE, HAMBURG NY 14075
Robert A James	director	6460 MAIN STREET, WILLIAMSVILLE NY 14221
Dawn Deperrior	director	45 SOUTH MAIN STREET, FAIRPORT NY 14450
Kevin D Maroney	director	45 SOUTH MAIN STREET, FAIRPORT NY 14450
Waring Thomas H Jr	director	ONE GRIMSBY DRIVE, HAMBURG NY 14075
Aaron Whitehouse	officer: President, The Evans Agency	ONE GRIMSBY DRIVE, HAMBURG NY 14075
Oliver Sommer	director	ONE GRIMSBY DRIVE, HAMBURG NY 14075
St. George Mark G.	officer: President, The Evans Agency	ONE GRIMSBY DRIVE, HAMBURG NY 14075
Kimberley A Minkel	director	ONE GRIMSBY DRIVE, HAMBURG NY 14075
Christina P Orsi	director	ONE GRIMSBY DRIVE, HAMBURG NY 14075
Michael A Battle	director	ONE GRIMSBY DRIVE, HAMBURG NY 14075