CODORUS VALLEY BANCORP INC (CVLY) Stock Fundamental Analysis
USA - NASDAQ:CVLY - US1920251048 - Common Stock
24.04 USD
+1.14 (+4.98%)
24.04 USD
0 (0%)
Taking everything into account, CVLY scores 3 out of 10 in our fundamental rating. CVLY was compared to 390 industry peers in the Banks industry. CVLY has a medium profitability rating, but doesn't score so well on its financial health evaluation. CVLY is valued correctly, but it does not seem to be growing.
1. Profitability
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.
Each year in the past 5 years CVLY had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.01%, CVLY is in the better half of the industry, outperforming 66.10% of the companies in the same industry.
With a decent Return On Equity value of 11.06%, CVLY is doing good in the industry, outperforming 73.41% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
The Profit Margin of CVLY (23.98%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of CVLY has remained more or less at the same level.
CVLY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
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
The number of shares outstanding for CVLY has been reduced compared to 5 years ago.
Compared to 1 year ago, CVLY has a worse debt to assets ratio.
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.
With a Debt to FCF ratio value of 3.40, CVLY perfoms like the industry average, outperforming 44.88% of the companies in the same industry.
A Debt/Equity ratio of 0.36 indicates that CVLY is not too dependend on debt financing.
CVLY has a worse Debt to Equity ratio (0.36) than 65.85% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.36 | ||
| Debt/FCF | 3.4 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.28%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
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.
Looking at the last year, CVLY shows a decrease in Revenue. The Revenue has decreased by -2.47% in the last 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
CVLY is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -11.61% yearly.
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
CVLY is valuated reasonably with a Price/Earnings ratio of 10.41.
CVLY's Price/Earnings ratio is in line with the industry average.
CVLY's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.83.
A Price/Forward Earnings ratio of 11.78 indicates a reasonable valuation of CVLY.
Based on the Price/Forward Earnings ratio, CVLY is valued a bit more expensive than 67.07% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 32.68. CVLY is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.41 | ||
| Fwd PE | 11.78 |
4.2 Price Multiples
CVLY's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.85 | ||
| EV/EBITDA | N/A |
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
5. Dividend
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 3.42.
Compared to an average S&P500 Dividend Yield of 2.39, CVLY has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector 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
5.3 Sustainability
CVLY pays out 28.99% of its income as dividend. This is a sustainable payout ratio.
DP28.99%
EPS Next 2Y-11.61%
EPS Next 3YN/A
24.04
+1.14 (+4.98%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 of CODORUS VALLEY BANCORP INC (CVLY) stock?
ChartMill assigns a valuation rating of 3 / 10 to CODORUS VALLEY BANCORP INC (CVLY). This can be considered as Overvalued.
Can you provide the profitability details for CODORUS VALLEY BANCORP INC?
CODORUS VALLEY BANCORP INC (CVLY) has a profitability rating of 4 / 10.
What are the PE and PB ratios of CODORUS VALLEY BANCORP INC (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.
Can you provide the dividend sustainability for CVLY stock?
The dividend rating of CODORUS VALLEY BANCORP INC (CVLY) is 5 / 10 and the dividend payout ratio is 28.99%.