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Evans Bancorp, Inc. · AMEX
Price: $39.53 · Annual div: $1.32/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in EVBN → $75.1K in 10 years · $3,588.86/month
Evans Bancorp, Inc. primarily operates as the financial holding company for Evans Bank, N.A. that provides a range of banking products and services to consumer and commercial customers in Western New York and the Finger Lakes Region of New York State. It operates in two segments, Banking Activities and Insurance Agency Activities. The company offers deposit products, which include checking and negotiable order of withdrawal accounts, savings accounts, and certificates of deposit. It also provides residential mortgages; commercial and multi-family mortgages and commercial construction loans; home equities, such as home equity lines of credit and second mortgage loans; commercial and industrial loans comprising term loans and lines of credit; consumer loans, including direct automobile, recreational vehicle, boat, home improvement, and personal loans; other loans consisting 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, surety bonds, risk management, life, disability, and long-term care coverage, as well as provides claims adjusting 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 headquartered in Williamsville, New York.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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Real after-tax yield depends on where you live and how you hold EVBN.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 3.34% | 0.54% | $334 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.84% | 0.04% | $284 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 2.67% | -0.13% | $267 / yr |
| 🇬🇧 UK ISA | 0% | 3.34% | 0.54% | $334 / yr |
| 🇬🇧 UK Taxable | 8.75% | 3.05% | 0.25% | $305 / yr |
| 🇨🇦 TFSA | 0% | 3.34% | 0.54% | $334 / yr |
| 🇨🇦 CA Taxable | 25% | 2.50% | -0.29% | $251 / yr |
| 🇦🇺 Super (pension) | 15% | 2.84% | 0.04% | $284 / yr |
| 🇦🇺 AU Taxable | 30% | 2.34% | -0.46% | $234 / yr |
| 🇩🇪 DE Taxable | 26.375% | 2.46% | -0.34% | $246 / yr |
| 🇫🇷 FR Taxable | 30% | 2.34% | -0.46% | $234 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $1.32/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
EVBN pays quarterly — 4 times per year. Next ex-div: TBD.
How EVBN compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for EVBN sourced from FMP /financial-growth endpoint — real data, not estimates.
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| D-Return | 2025-05-02 | 1,321 | — | — | ||
| D-Return | 2025-05-02 | 20,538 | — | — | ||
| D-Return | 2025-05-02 | 6,107 | — | — | ||
| D-Return | 2025-05-02 | 7,995 | — | — | ||
| D-Return | 2025-05-02 | 5,540 | — | — | ||
| D-Return | 2025-05-02 | 3,843 | — | — | ||
| D-Return | 2025-05-02 | 24,199.88 | — | — | ||
| D-Return | 2025-04-30 | 1,640 | $45.20 | $74.1K | ||
| D-Return | 2025-04-30 | 936 | $25.51 | $23.9K | ||
| D-Return | 2025-04-30 | 518 | $39.06 | $20.2K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the EVBN dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
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