CODORUS VALLEY BANCORP INC (CVLY) Fundamental Analysis & Valuation

NASDAQ:CVLY • US1920251048

24.04 USD
+1.14 (+4.98%)
At close: Jun 28, 2024
24.04 USD
0 (0%)
After Hours: 6/28/2024, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This CVLY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to CVLY. CVLY was compared to 379 industry peers in the Banks industry. While CVLY is still in line with the averages on profitability rating, there are concerns on its financial health. CVLY has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

4

1. CVLY Profitability Analysis

1.1 Basic Checks

  • In the past year CVLY was profitable.
  • In the past year CVLY had a positive cash flow from operations.
  • CVLY had positive earnings in each of the past 5 years.
  • CVLY had a positive operating cash flow in each of the past 5 years.
CVLY Yearly Net Income VS EBIT VS OCF VS FCFCVLY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M

1.2 Ratios

  • CVLY has a Return On Assets of 1.01%. This is in the better half of the industry: CVLY outperforms 66.10% of its industry peers.
  • Looking at the Return On Equity, with a value of 11.06%, CVLY is in the better half of the industry, outperforming 73.41% of the companies in the same industry.
Industry RankSector Rank
ROA 1.01%
ROE 11.06%
ROIC N/A
ROA(3y)0.89%
ROA(5y)0.81%
ROE(3y)10.45%
ROE(5y)9.07%
ROIC(3y)N/A
ROIC(5y)N/A
CVLY Yearly ROA, ROE, ROICCVLY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

  • CVLY has a Profit Margin of 23.98%. This is comparable to the rest of the industry: CVLY outperforms 54.15% of its industry peers.
  • CVLY's Profit Margin has been stable in the last couple of years.
  • The Operating Margin and Gross Margin are not available for CVLY so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 23.98%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y33.26%
PM growth 5Y0.67%
GM growth 3YN/A
GM growth 5YN/A
CVLY Yearly Profit, Operating, Gross MarginsCVLY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20 25

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. CVLY Health Analysis

2.1 Basic Checks

  • CVLY does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, CVLY has more shares outstanding
  • Compared to 1 year ago, CVLY has a worse debt to assets ratio.
CVLY Yearly Shares OutstandingCVLY Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M 8M
CVLY Yearly Total Debt VS Total AssetsCVLY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B

2.2 Solvency

  • The Debt to FCF ratio of CVLY is 3.40, which is a good value as it means it would take CVLY, 3.40 years of fcf income to pay off all of its debts.
  • CVLY has a Debt to FCF ratio (3.40) which is comparable to the rest of the industry.
  • CVLY has a Debt/Equity ratio of 0.36. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.36, CVLY is doing worse than 65.85% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF 3.4
Altman-Z N/A
ROIC/WACCN/A
WACC15.28%
CVLY Yearly LT Debt VS Equity VS FCFCVLY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CVLY Yearly Current Assets VS Current LiabilitesCVLY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M 50M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. CVLY Growth Analysis

3.1 Past

  • The earnings per share for CVLY have decreased by -8.15% in the last year.
  • The Earnings Per Share has been growing slightly by 5.77% on average over the past years.
  • The Revenue has decreased by -2.47% in the past year.
  • CVLY shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.33% yearly.
EPS 1Y (TTM)-8.15%
EPS 3Y44.5%
EPS 5Y5.77%
EPS Q2Q%-39.72%
Revenue 1Y (TTM)-2.47%
Revenue growth 3Y7.73%
Revenue growth 5Y4.33%
Sales Q2Q%-11.09%

3.2 Future

  • Based on estimates for the next years, CVLY will show a very negative growth in Earnings Per Share. The EPS will decrease by -11.61% on average per year.
  • The Revenue is expected to grow by 0.95% on average over the next years.
EPS Next Y-31.64%
EPS Next 2Y-11.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-4.12%
Revenue Next 2Y0.95%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
CVLY Yearly Revenue VS EstimatesCVLY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
CVLY Yearly EPS VS EstimatesCVLY Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 0.5 1 1.5 2 2.5

More info and screens

Find the best growth stocksShow best growing peers

4

4. CVLY Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.41, which indicates a very decent valuation of CVLY.
  • CVLY's Price/Earnings ratio is in line with the industry average.
  • CVLY is valuated cheaply when we compare the Price/Earnings ratio to 26.83, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 11.78, which indicates a very decent valuation of CVLY.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CVLY indicates a slightly more expensive valuation: CVLY is more expensive than 67.07% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.95, CVLY is valued rather cheaply.
Industry RankSector Rank
PE 10.41
Fwd PE 11.78
CVLY Price Earnings VS Forward Price EarningsCVLY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • CVLY's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 10.85
EV/EBITDA N/A
CVLY Per share dataCVLY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • A cheap valuation may be justified as CVLY's earnings are expected to decrease with -11.61% in the coming years.
PEG (NY)N/A
PEG (5Y)1.8
EPS Next 2Y-11.61%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. CVLY Dividend Analysis

5.1 Amount

  • CVLY has a Yearly Dividend Yield of 2.83%. Purely for dividend investing, there may be better candidates out there.
  • CVLY's Dividend Yield is slightly below the industry average, which is at 2.72.
  • CVLY's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.83%

5.2 History

  • The dividend of CVLY has a limited annual growth rate of 3.21%.
  • CVLY has been paying a dividend for at least 10 years, so it has a reliable track record.
  • CVLY has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)3.21%
Div Incr Years3
Div Non Decr Years3
CVLY Yearly Dividends per shareCVLY Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.2 0.4 0.6

5.3 Sustainability

  • 28.99% of the earnings are spent on dividend by CVLY. This is a low number and sustainable payout ratio.
DP28.99%
EPS Next 2Y-11.61%
EPS Next 3YN/A
CVLY Yearly Income VS Free CF VS DividendCVLY Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M
CVLY Dividend Payout.CVLY Dividend Payout, showing the Payout Ratio.CVLY Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

CVLY Fundamentals: All Metrics, Ratios and Statistics

CODORUS VALLEY BANCORP INC

NASDAQ:CVLY (6/28/2024, 8:00:01 PM)

After market: 24.04 0 (0%)

24.04

+1.14 (+4.98%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-25
Earnings (Next)07-25
Inst Owners0.45%
Inst Owner Change0%
Ins Owners6.72%
Ins Owner Change0%
Market Cap232.23M
Revenue(TTM)92.73M
Net Income(TTM)22.24M
Analysts85.71
Price Target22.44 (-6.66%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.83%
Yearly Dividend0.66
Dividend Growth(5Y)3.21%
DP28.99%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.39%
Min EPS beat(2)-8.22%
Max EPS beat(2)5.44%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.62%
Min Revenue beat(2)-4.08%
Max Revenue beat(2)5.33%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 10.41
Fwd PE 11.78
P/S 2.5
P/FCF 10.85
P/OCF 10.15
P/B 1.16
P/tB 1.17
EV/EBITDA N/A
EPS(TTM)2.31
EY9.61%
EPS(NY)2.04
Fwd EY8.49%
FCF(TTM)2.22
FCFY9.22%
OCF(TTM)2.37
OCFY9.85%
SpS9.6
BVpS20.81
TBVpS20.57
PEG (NY)N/A
PEG (5Y)1.8
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 1.01%
ROE 11.06%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.98%
GM N/A
FCFM 23.08%
ROA(3y)0.89%
ROA(5y)0.81%
ROE(3y)10.45%
ROE(5y)9.07%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y33.26%
PM growth 5Y0.67%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF 3.4
Debt/EBITDA N/A
Cap/Depr 62.26%
Cap/Sales 1.58%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 96.26%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC15.28%
ROIC/WACCN/A
Cap/Depr(3y)79.55%
Cap/Depr(5y)85.86%
Cap/Sales(3y)2.28%
Cap/Sales(5y)2.75%
Profit Quality(3y)138.64%
Profit Quality(5y)120.57%
High Growth Momentum
Growth
EPS 1Y (TTM)-8.15%
EPS 3Y44.5%
EPS 5Y5.77%
EPS Q2Q%-39.72%
EPS Next Y-31.64%
EPS Next 2Y-11.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.47%
Revenue growth 3Y7.73%
Revenue growth 5Y4.33%
Sales Q2Q%-11.09%
Revenue Next Year-4.12%
Revenue Next 2Y0.95%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y7.95%
FCF growth 3Y27.43%
FCF growth 5Y1.87%
OCF growth 1Y3.74%
OCF growth 3Y22.83%
OCF growth 5Y1.05%

CODORUS VALLEY BANCORP INC / CVLY FAQ

Can you provide the ChartMill fundamental rating for CODORUS VALLEY BANCORP INC?

ChartMill assigns a fundamental rating of 3 / 10 to CVLY.


What is the valuation status for CVLY stock?

ChartMill assigns a valuation rating of 3 / 10 to CODORUS VALLEY BANCORP INC (CVLY). This can be considered as Overvalued.


How profitable is CODORUS VALLEY BANCORP INC (CVLY) stock?

CODORUS VALLEY BANCORP INC (CVLY) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for CVLY stock?

The Price/Earnings (PE) ratio for CODORUS VALLEY BANCORP INC (CVLY) is 10.41 and the Price/Book (PB) ratio is 1.16.


How sustainable is the dividend of CODORUS VALLEY BANCORP INC (CVLY) stock?

The dividend rating of CODORUS VALLEY BANCORP INC (CVLY) is 5 / 10 and the dividend payout ratio is 28.99%.