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. There are concerns on the financial health of CVLY while its profitability can be described as average. CVLY is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
CVLY had positive earnings in the past year.
CVLY had a positive operating cash flow in the past year.
Each year in the past 5 years CVLY has been profitable.
In the past 5 years CVLY always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 1.01%, CVLY is doing good in the industry, outperforming 66.10% of the companies in the same industry.
CVLY has a Return On Equity of 11.06%. This is in the better half of the industry: CVLY outperforms 73.41% of its industry peers.
| 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
CVLY has a Profit Margin (23.98%) which is in line with 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 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
Compared to 5 years ago, CVLY has less shares outstanding
CVLY has a worse debt/assets ratio than last year.
2.2 Solvency
CVLY has a debt to FCF ratio of 3.40. This is a good value and a sign of high solvency as CVLY would need 3.40 years to pay back of all of its debts.
The Debt to FCF ratio of CVLY (3.40) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.36 indicates that CVLY is not too dependend on debt financing.
The Debt to Equity ratio of CVLY (0.36) is worse 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.
The Revenue has decreased by -2.47% in the past year.
The Revenue has been growing slightly by 4.33% on average over the past years.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.41, the valuation of CVLY can be described as very reasonable.
CVLY's Price/Earnings is on the same level as the industry average.
CVLY is valuated cheaply when we compare the Price/Earnings ratio to 25.83, which is the current average of the S&P500 Index.
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.
When comparing the Price/Forward Earnings ratio of CVLY to the average of the S&P500 Index (32.68), we can say CVLY is valued rather cheaply.
| 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
With a Yearly Dividend Yield of 2.83%, CVLY has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.38, CVLY is paying slightly less dividend.
CVLY's Dividend Yield is comparable with the S&P500 average which is at 2.37.
| 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
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
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%.