American Bank (OTCMKTS: AMBK – Get a rating) and Evans Bancorp (NYSE: EVBN – Get a rating) are both small cap finance companies, but which is the better investment? We’ll compare the two companies based on valuation strength, institutional ownership, profitability, earnings, dividends, risk, and analyst recommendations.
This is a breakdown of recent recommendations and price targets for American Bank and Evans Bancorp, as reported by MarketBeat.
|Sales Ratings||Hold odds||Buy reviews||Strong buy odds||Rating|
|American bank||0||0||0||0||N / A|
|Evans Bancorp||0||0||0||0||N / A|
Valuation and benefits
This chart compares revenue, earnings per share (EPS), and valuation of American Bank and Evans Bancorp.
|Gross revenue||Price/sales ratio||Net revenue||Earnings per share||Price/earnings ratio|
|American bank||N / A||N / A||N / A||N / A||N / A|
|Evans Bancorp||$96.43 million||1.95||$24.04 million||$4.34||7.85|
Evans Bancorp has higher revenue and profit than American Bank.
This table compares the net margins, return on equity, and return on assets of American Bank and Evans Bancorp.
|Net margins||Return on equity||return on assets|
|American bank||N / A||N / A||N / A|
Insider and Institutional Ownership
61.8% of Evans Bancorp shares are held by institutional investors. 6.3% of Evans Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds, and large money managers believe a company is poised for long-term growth.
American Bank pays an annual dividend of $0.48 per share and has a dividend yield of 3.1%. Evans Bancorp pays an annual dividend of $1.24 per share and has a dividend yield of 3.6%. Evans Bancorp pays 28.6% of its profits as a dividend. Evans Bancorp has increased its dividend for 12 consecutive years. Evans Bancorp is clearly the better dividend-paying stock, given its higher yield and longer track record of dividend growth.
Volatility and risk
American Bank has a beta of 0.02, indicating its stock price is 98% less volatile than the S&P 500. In comparison, Evans Bancorp has a beta of 0.98, indicating its stock price is 2% less volatile than the S&P 500.
Evans Bancorp beats American Bank on 9 out of 10 factors compared between the two stocks.
American Bank Company Profile (Get a rating)
American Bank Incorporated operates as a bank holding company for American Bank which provides various banking products and services to consumer, business, institutional and government customers. It accepts a range of interest-bearing checking and money market accounts, savings accounts, certificates of deposit and individual retirement accounts. The company also offers commercial, industrial and other loans; commercial mortgages; commercial construction loans; residential mortgages; and consumer loans, including personal term loans, personal lines of credit, automobile loans, home equity loans and home equity lines of credit and loans. In addition, it provides online or mobile banking services, automated teller machines, rental of safe deposit boxes and bank transfer services, as well as the sale of checks and checkbooks and the purchase of investment securities. The company operates an office located in Allentown, Pennsylvania; and a loan origination office in Blue Bell, Pennsylvania. The company was founded in 1997 and is based in Allentown, Pennsylvania.
Evans Bancorp Company Profile (Get a rating)
Evans Bancorp, Inc. operates primarily as a financial holding company for Evans Bank, NA which provides a range of banking products and services to consumer and business customers in Western New York and the Finger Lakes region of the state from New York. It operates in two segments, banking business and insurance agency business. The Company offers deposit products, which include checking accounts and negotiable withdrawal orders, savings accounts and certificates of deposit. It also offers residential mortgages; commercial and multi-family mortgages and commercial construction loans; home equity, such as home equity lines of credit and second mortgages; commercial and industrial loans including term loans and lines of credit; consumer loans, including direct auto loans, recreational vehicles, boats, home improvement and personal loans; other loans comprised of cash reserves, overdrafts and loan clearing accounts; and installment loans. In addition, the company sells various premium-based insurance policies, including business and personal insurance, employee benefits, bonding, risk management, life insurance, disability and care. long-term, as well as claims services to various insurance companies. ; and non-deposit investment products, such as annuities and mutual funds. It operates through a total of 21 full-service banking offices in Erie County, Niagara County, Monroe County and Chautauqua County, New York. Evans Bancorp, Inc. was founded in 1920 and is based in Williamsville, New York.
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