HomeCompareEVBN vs GIS

EVBN vs GIS: Dividend Comparison 2026

EVBN yields 3.34% · GIS yields 6.55%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 GIS wins by $25.8K in total portfolio value
10 years
EVBN
EVBN
● Live price
3.34%
Share price
$39.53
Annual div
$1.32
5Y div CAGR
28.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$53.4K
Annual income
$9,380.99
Full EVBN calculator →
GIS
GIS
● Live price
6.55%
Share price
$37.11
Annual div
$2.43
5Y div CAGR
22.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$79.2K
Annual income
$16,311.42
Full GIS calculator →

Portfolio growth — EVBN vs GIS

📍 GIS pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodEVBNGIS
2008–2009
GFC
— No data— No data
2020 Q1–Q2
COVID
— No data— No data
2022 Q4
Rate Hike
— No data— No data
Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.
📅

Dividend Calendar Overlap

Combined, EVBN + GIS cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
EVBN pays
GIS pays
Both pay
Neither
💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

EVBN
Annual income on $10K today (after 15% tax)
$283.84/yr
After 10yr DRIP, annual income (after tax)
$7,973.84/yr
GIS
Annual income on $10K today (after 15% tax)
$556.59/yr
After 10yr DRIP, annual income (after tax)
$13,864.71/yr
At 15% tax rate, GIS beats the other by $5,890.87/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of EVBN + GIS for your $10,000?

EVBN: 50%GIS: 50%
100% GIS50/50100% EVBN
Portfolio after 10yr
$66.3K
Annual income
$12,846.20/yr
Blended yield
19.39%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on GIS right now

EVBN
Analyst Ratings
1
Buy
3
Hold
Consensus: Hold
Altman Z
0.3
Piotroski
3/9
GIS
Analyst Ratings
9
Buy
19
Hold
6
Sell
Consensus: Hold
Price Target
$47.42
+27.8% upside vs current
Range: $35.00 — $63.00
Altman Z
2.2
Piotroski
6/9
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

EVBN buys
0
GIS buys
0
No recent congressional trades found for EVBN or GIS in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricEVBNGIS
Forward yield3.34%6.55%
Annual dividend / share$1.32$2.43
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR28.8%22.8%
Portfolio after 10y$53.4K$79.2K
Annual income after 10y$9,380.99$16,311.42
Total dividends collected$29.0K$51.1K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldHold

Year-by-year: EVBN vs GIS ($10,000, DRIP)

YearEVBN PortfolioEVBN Income/yrGIS PortfolioGIS Income/yrGap
1← crossover$11,130$430.09$11,504$804.11$374.00GIS
2$12,485$576.23$13,371$1,061.65$886.00GIS
3$14,137$778.09$15,723$1,416.15$1.6KGIS
4$16,188$1,060.55$18,735$1,911.16$2.5KGIS
5$18,783$1,461.76$22,660$2,613.51$3.9KGIS
6$22,139$2,041.64$27,874$3,627.81$5.7KGIS
7$26,585$2,896.76$34,947$5,121.52$8.4KGIS
8$32,634$4,187.28$44,762$7,369.21$12.1KGIS
9$41,105$6,187.09$58,728$10,832.80$17.6KGIS
10$53,364$9,380.99$79,151$16,311.42$25.8KGIS

EVBN vs GIS: Complete Analysis 2026

EVBNStock

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.

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GISConsumer Staples

General Mills, Inc. manufactures and markets branded consumer foods worldwide. The company operates in five segments: North America Retail; Convenience Stores & Foodservice; Europe & Australia; Asia & Latin America; and Pet. It offers ready-to-eat cereals, refrigerated yogurt, soup, meal kits, refrigerated and frozen dough products, dessert and baking mixes, bakery flour, frozen pizza and pizza snacks, snack bars, fruit and salty snacks, ice cream, nutrition bars, wellness beverages, and savory and grain snacks, as well as various organic products, including frozen and shelf-stable vegetables. It also supplies branded and unbranded food products to the North American foodservice and commercial baking industries; and manufactures and markets pet food products, including dog and cat food. The company markets its products under the Annie's, Betty Crocker, Bisquick, Blue Buffalo, Blue Basics, Blue Freedom, Bugles, Cascadian Farm, Cheerios, Chex, Cinnamon Toast Crunch, Cocoa Puffs, Cookie Crisp, EPIC, Fiber One, Food Should Taste Good, Fruit by the Foot, Fruit Gushers, Fruit Roll-Ups, Gardetto's, Go-Gurt, Gold Medal, Golden Grahams, Häagen-Dazs, Helpers, Jus-Rol, Kitano, Kix, Lärabar, Latina, Liberté, Lucky Charms, Muir Glen, Nature Valley, Oatmeal Crisp, Old El Paso, Oui, Pillsbury, Progresso, Raisin Nut Bran, Total, Totino's, Trix, Wanchai Ferry, Wheaties, Wilderness, Yoki, and Yoplait trademarks. It sells its products directly, as well as through broker and distribution arrangements to grocery stores, mass merchandisers, membership stores, natural food chains, e-commerce retailers, commercial and noncommercial foodservice distributors and operators, restaurants, convenience stores, and pet specialty stores, as well as drug, dollar, and discount chains. The company operates 466 leased and 392 franchise ice cream parlors. General Mills, Inc. was founded in 1866 and is headquartered in Minneapolis, Minnesota.

Full GIS Calculator →
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⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.