Evans Bancorp Inc (EVBN) — Cash Flow Quality Index
Latest as of December 2024:
-1.06x
Evans Bancorp Inc (EVBN) has a Cash Flow Quality Index of -1.06x as of December 2024. Operating cash flow of $-3.96 Million is below net income of $3.73 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore Evans Bancorp Inc cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
-1.06x
Operating CF / Net Income
Operating Cash Flow
$-3.96 Million
USD
Net Income
$3.73 Million
USD
Data as of
Dec 2024
Most recent filing
Evans Bancorp Inc Cash Flow Quality Index (1996–2024)
Historical Cash Flow Quality Index for Evans Bancorp Inc across 29 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see EVBN cash flow conversion.
Annual Cash Flow Quality Index for Evans Bancorp Inc (1996–2024)
Year-by-year earnings quality comparison for Evans Bancorp Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | -0.23x | $-2.76 Million | $11.95 Million | ▼ -136.0% |
| 2023 | 0.64x | $15.70 Million | $24.52 Million | ▼ -45.7% |
| 2022 | 1.18x | $26.41 Million | $22.39 Million | ▲ +38.2% |
| 2021 | 0.85x | $20.51 Million | $24.04 Million | ▲ +23.2% |
| 2020 | 0.69x | $7.79 Million | $11.25 Million | ▼ -44.1% |
| 2019 | 1.24x | $21.07 Million | $17.01 Million | ▼ -19.4% |
| 2018 | 1.54x | $25.12 Million | $16.36 Million | ▲ +19.4% |
| 2017 | 1.29x | $13.48 Million | $10.48 Million | ▼ -7.8% |
| 2016 | 1.40x | $11.54 Million | $8.27 Million | ▲ +35.1% |
| 2015 | 1.03x | $8.10 Million | $7.84 Million | ▼ -23.3% |
| 2014 | 1.35x | $11.02 Million | $8.19 Million | ▼ -19.3% |
| 2013 | 1.67x | $13.10 Million | $7.86 Million | ▼ -4.2% |
| 2012 | 1.74x | $14.15 Million | $8.13 Million | ▼ -1.7% |
| 2011 | 1.77x | $10.81 Million | $6.11 Million | ▼ -10.9% |
| 2010 | 1.99x | $9.61 Million | $4.84 Million | ▼ -86.9% |
| 2009 | 15.13x | $10.70 Million | $707.00K | ▲ +592.9% |
| 2008 | 2.18x | $10.72 Million | $4.91 Million | ▼ -24.1% |
| 2007 | 2.88x | $9.69 Million | $3.37 Million | ▲ +73.1% |
| 2006 | 1.66x | $8.18 Million | $4.92 Million | ▼ -12.0% |
| 2005 | 1.89x | $9.10 Million | $4.82 Million | ▲ +40.5% |
| 2004 | 1.34x | $6.06 Million | $4.51 Million | ▲ +2.4% |
| 2003 | 1.31x | $5.34 Million | $4.07 Million | ▲ +7.1% |
| 2002 | 1.23x | $4.42 Million | $3.61 Million | ▼ -41.9% |
| 2001 | 2.11x | $5.44 Million | $2.58 Million | ▲ +217.8% |
| 2000 | 0.66x | $2.14 Million | $3.22 Million | ▼ -38.8% |
| 1999 | 1.08x | $2.20 Million | $2.03 Million | ▼ -1.7% |
| 1998 | 1.10x | $2.18 Million | $1.98 Million | ▼ -1.7% |
| 1997 | 1.12x | $1.99 Million | $1.77 Million | ▼ -11.7% |
| 1996 | 1.27x | $2.04 Million | $1.60 Million | — |
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.