Critical comparison: Evans Bancorp (NYSE: EVBN) and The PNC Financial Services Group (NYSE: PNC)


Evans Bancorp (NYSE: EVBNGet a rating) and the financial services group PNC (New York Stock Exchange: PNCGet a rating) are both finance companies, but which is the better investment? We’ll compare the two companies based on their risk strength, institutional ownership, profitability, earnings, valuation, analyst recommendations and dividends.

Dividends

Evans Bancorp pays an annual dividend of $1.24 per share and has a dividend yield of 3.5%. PNC Financial Services Group pays an annual dividend of $6.00 per share and has a dividend yield of 3.7%. Evans Bancorp pays 28.6% of its profits as a dividend. The PNC Financial Services group distributes 46.9% of its profits in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. Evans Bancorp has increased its dividend for 12 consecutive years and The PNC Financial Services Group has increased its dividend for 12 consecutive years.

Benefits and evaluation

This table compares the revenue, earnings per share and valuation of Evans Bancorp and The PNC Financial Services Group.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Evans Bancorp $96.43 million 2.05 $24.04 million $4.34 8.25
PNC Financial Services Group $19.70 billion 3.40 $5.67 billion $12.78 12.65

PNC Financial Services Group has higher revenue and earnings than Evans Bancorp. Evans Bancorp trades at a lower price-to-earnings ratio than PNC Financial Services Group, indicating that it is currently the more affordable of the two shares.

Profitability

This table compares the net margins, return on equity and return on assets of Evans Bancorp and The PNC Financial Services Group.

Net margins Return on equity return on assets
Evans Bancorp 24.98% 13.53% 1.09%
PNC Financial Services Group 27.32% 11.93% 1.14%

Risk and Volatility

Evans Bancorp has a beta of 0.98, indicating that its stock price is 2% less volatile than the S&P 500. In comparison, PNC Financial Services Group has a beta of 1.24, indicating that the stock price of its stock is 24% more volatile than the S&P 500. .

Institutional and Insider Ownership

61.8% of Evans Bancorp shares are held by institutional investors. By comparison, 83.5% of shares in The PNC Financial Services Group are held by institutional investors. 6.3% of Evans Bancorp shares are held by insiders. By comparison, 0.3% of The PNC Financial Services Group shares are held by insiders. Strong institutional ownership indicates that hedge funds, large money managers, and endowments believe a stock is poised for long-term growth.

Analyst Recommendations

This is a summary of current recommendations and price targets for Evans Bancorp and The PNC Financial Services Group, as reported by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Evans Bancorp 0 0 0 0 N / A
PNC Financial Services Group 1 seven 6 0 2.36

PNC Financial Services Group has a consensus price target of $197.63, suggesting a potential upside of 22.21%. Given the higher potential upside of PNC Financial Services Group, analysts clearly believe that PNC Financial Services Group is more favorable than Evans Bancorp.

Summary

PNC Financial Services Group beats Evans Bancorp on 12 out of 15 factors compared between the two stocks.

About Evans Bancorp

(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.

About PNC Financial Services Group

(Get a rating)

The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. The Company’s Retail Banking segment offers checking, savings and money market accounts, as well as certificates of deposit; residential mortgages, home equity loans and lines of credit, auto loans, credit cards, education loans, and personal and small business loans and lines of credit; and brokerage, insurance, investment and cash management services. This segment serves consumers and small businesses through a network of branches, ATMs, call centers, and online and mobile banking channels. Its Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit and equipment leases; cash and investment management services, receivables and disbursement management services, funds transfer services, international payment services and access to online/mobile management and reporting; foreign exchange trading, derivatives, fixed income securities, securities underwriting, loan syndications, mergers and acquisitions and equity capital markets advisory services; and commercial lending services and technology solutions. It serves medium and large businesses, as well as government and non-profit entities. The Company’s Asset Management Group segment offers investment and retirement planning services, customized investment management, credit and cash management solutions, as well as management and administrative services trustees for high net worth and ultra high net worth individuals and their families; and multigenerational family planning services for the very wealthy and their families. It also provides outsourced investment manager, custody, private real estate, liquidity and fixed income services, as well as pension trust advisory services for institutional clients. The company has 2,591 branches and 9,502 ATMs. The company was founded in 1852 and is headquartered in Pittsburgh, Pennsylvania.



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