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Evans Bancorp (EVBN) investor relations material
Evans Bancorp Q4 2024 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2024 earnings summary4 Feb, 2025
Executive summary
Reported Q4 2024 net income of $3.7 million ($0.67 per diluted share), up sequentially but down from $10.2 million ($1.85 per share) in Q4 2023, which included a $20.2 million gain from the sale of The Evans Agency.
Full-year 2024 net income was $12.0 million ($2.16 per share), compared to $24.5 million ($4.48 per share) in 2023, reflecting the absence of the prior year's one-time gain.
Evans shareholders and regulators approved the merger with NBT Bancorp Inc.; the transaction is expected to close in Q2 2025.
Financial highlights
Q4 2024 net interest income rose to $15.7 million, up 4% sequentially and 13% year-over-year, driven by higher average loans and improved deposit pricing.
Net interest margin for Q4 2024 was 2.96%, up 16 bps sequentially and 21 bps year-over-year.
Total loans grew $63 million (4%) and total deposits increased $148 million (9%) year-over-year.
Non-interest income for Q4 2024 was $3.3 million, up $0.3 million sequentially; full-year non-interest income was $11.0 million, down from $32.9 million in 2023 due to the prior year's insurance agency sale.
Non-interest expense in Q4 2024 was $14.4 million, up $0.8 million sequentially due to merger costs; full-year non-interest expense fell $6.0 million to $53.4 million, reflecting the TEA sale.
Outlook and guidance
The merger with NBT Bancorp is expected to close in Q2 2025, with anticipated benefits in market position and stakeholder value.
Management remains focused on credit quality, execution, and a smooth transition during the merger process.
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Frequently asked questions
Evans Bancorp Inc. is a financial services company that operates through its wholly owned subsidiary, Evans Bank, N.A. The company provides a range of banking products and services, including commercial and consumer loans, deposit accounts, and treasury management solutions. In addition to traditional banking, Evans Bancorp offers insurance services through a separate subsidiary, covering personal, commercial, and employee benefits insurance. The company is headquartered in Williamsville, New York, and its shares are listed on the NYSE American.
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