CVLY Fundamental Analysis - CODORUS VALLEY BANCORP INC

Fundamental Rating

Overall CVLY gets a fundamental rating of 3 out of 10. We evaluated CVLY against 396 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 is valued correctly, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year CVLY was profitable.

CVLY had a positive operating cash flow in the past year.

In the past 5 years CVLY has always been profitable.

In the past 5 years CVLY always reported a positive cash flow from operatings.

1.2 Ratios

CVLY's Return On Assets of 1.01% is fine compared to the rest of the industry. CVLY outperforms 66.10% of its industry peers.

CVLY has a better Return On Equity (11.06%) than 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 comparable to the rest of the industry.

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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

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.

CVLY has a Debt/Equity ratio of 0.36. This is a healthy value indicating a solid balance between debt and equity.

With a Debt to Equity ratio value of 0.36, CVLY is not doing good in the industry: 65.85% of the companies in the same industry are doing better.

		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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for CVLY have decreased by -8.15% in the last year.

Measured over the past 5 years, CVLY shows a small growth in Earnings Per Share. The EPS has been growing by 5.77% on average per year.

CVLY shows a decrease in Revenue. In the last year, the revenue decreased by -2.47%.

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

The Earnings Per Share is expected to decrease by -11.61% on average over the next years. This is quite bad

Based on estimates for the next years, CVLY will show a small growth in Revenue. The Revenue will grow by 0.95% on average per year.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.41, which indicates a very decent valuation of CVLY.

CVLY's Price/Earnings is on the same level as the industry average.

CVLY's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.69.

CVLY is valuated reasonably with a Price/Forward Earnings ratio of 11.78.

CVLY's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CVLY is more expensive than 67.07% of the companies in the same industry.

CVLY is valuated cheaply when we compare the Price/Forward Earnings ratio to 37.36, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	10.41
Fwd PE	11.78

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as CVLY.

		Industry Rank	Sector Rank
P/FCF	10.85
EV/EBITDA	N/A

4.3 Compensation for Growth

CVLY's earnings are expected to decrease with -11.61% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)1.8

EPS Next 2Y-11.61%

EPS Next 3YN/A

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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 3.30, CVLY is paying slightly less dividend.

CVLY's Dividend Yield is a higher than the S&P500 average which is at 2.34.

		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 paid a dividend for at least 10 years, which is 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

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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 2024-04-25/amc

Earnings (Next)07-25 2024-07-25/amc

Inst Owners0.45%

Inst Owner Change0%

Ins Owners6.72%

Ins Owner Change0%

Market Cap232.23M

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

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

ROICexcg growth 3YN/A

ROICexcg 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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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