CVLY Fundamental Analysis - CODORUS VALLEY BANCORP INC

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to CVLY. CVLY was compared to 393 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 does not seem to be growing, but still is valued expensively.

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1. Profitability

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.

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.

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 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.

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

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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.

The number of shares outstanding for CVLY has been increased compared to 1 year ago.

The number of shares outstanding for CVLY has been reduced compared to 5 years ago.

The debt/assets ratio for CVLY is higher compared to a year ago.

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.

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

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

CVLY shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.15%.

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%.

Measured over the past years, CVLY shows a small growth in Revenue. The Revenue has been growing by 4.33% on average per year.

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.

CVLY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.95% yearly.

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.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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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.

Compared to the rest of the industry, the Price/Earnings ratio of CVLY is on the same level as its industry peers.

Compared to an average S&P500 Price/Earnings ratio of 27.17, CVLY is valued rather cheaply.

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 22.78. CVLY is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	10.41
Fwd PE	11.78

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 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

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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.

Compared to an average industry Dividend Yield of 3.30, CVLY is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.34, CVLY pays a bit more dividend than the S&P500 average.

		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

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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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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