CODORUS VALLEY BANCORP INC (CVLY) Fundamental Analysis & Valuation

NASDAQ:CVLY • US1920251048

Current stock price

24.04 USD
+1.14 (+4.98%)
At close:
24.04 USD
0 (0%)
After Hours:

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

4

1. CVLY Profitability Analysis

1.1 Basic Checks

  • CVLY had positive earnings in the past year.
  • In the past year CVLY had a positive cash flow from operations.
  • In the past 5 years CVLY has always been profitable.
  • Each year in the past 5 years CVLY had a positive operating cash flow.
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 better Return On Assets (1.01%) than 66.10% of its industry peers.
  • The Return On Equity of CVLY (11.06%) is better than 73.41% of its industry peers.
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's Profit Margin of 23.98% is in line compared 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.
  • CVLY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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

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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
  • The debt/assets ratio for CVLY is higher compared to a year ago.
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 of 3.40. This is comparable to the rest of the industry: CVLY outperforms 44.88% of its industry peers.
  • 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 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

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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.
  • 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.
  • 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

  • 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.
  • 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.
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

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3

4. CVLY Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.41 indicates a reasonable valuation of CVLY.
  • Compared to the rest of the industry, the Price/Earnings ratio of CVLY is on the same level as its industry peers.
  • The average S&P500 Price/Earnings ratio is at 25.60. CVLY is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 11.78, the valuation of CVLY can be described as reasonable.
  • 67.07% of the companies in the same industry are cheaper than CVLY, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 22.84. CVLY is valued slightly cheaper when compared to this.
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CVLY is on the same level as its industry peers.
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

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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%.
  • Compared to an average industry Dividend Yield of 2.66, CVLY is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.88, CVLY pays a better dividend.
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

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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 Fundamental Analysis 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.


What is the profitability of CVLY stock?

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


How financially healthy is CODORUS VALLEY BANCORP INC?

The financial health rating of CODORUS VALLEY BANCORP INC (CVLY) is 2 / 10.


Is the dividend of CODORUS VALLEY BANCORP INC sustainable?

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