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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.17
CLDB's Cash to Debt is ranked lower than
85% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. CLDB: 0.17 )
Ranked among companies with meaningful Cash to Debt only.
CLDB' s 10-Year Cash to Debt Range
Min: 0.11  Med: 0.35 Max: No Debt
Current: 0.17
Equity to Asset 0.10
CLDB's Equity to Asset is ranked higher than
51% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CLDB: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
CLDB' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.10 Max: 0.12
Current: 0.1
0.07
0.12
Interest Coverage 1.65
CLDB's Interest Coverage is ranked higher than
51% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. CLDB: 1.65 )
Ranked among companies with meaningful Interest Coverage only.
CLDB' s 10-Year Interest Coverage Range
Min: 0.22  Med: 0.58 Max: 1.65
Current: 1.65
0.22
1.65
F-Score: 6
WACC vs ROIC
4.77%
3.68%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 19.55
CLDB's Operating margin (%) is ranked lower than
74% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. CLDB: 19.55 )
Ranked among companies with meaningful Operating margin (%) only.
CLDB' s 10-Year Operating margin (%) Range
Min: -667.43  Med: 21.78 Max: 38.9
Current: 19.55
-667.43
38.9
Net-margin (%) 16.12
CLDB's Net-margin (%) is ranked lower than
70% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. CLDB: 16.12 )
Ranked among companies with meaningful Net-margin (%) only.
CLDB' s 10-Year Net-margin (%) Range
Min: -176.71  Med: 24.04 Max: 263.08
Current: 16.12
-176.71
263.08
ROE (%) 6.38
CLDB's ROE (%) is ranked lower than
65% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. CLDB: 6.38 )
Ranked among companies with meaningful ROE (%) only.
CLDB' s 10-Year ROE (%) Range
Min: -17.37  Med: 9.30 Max: 11.99
Current: 6.38
-17.37
11.99
ROA (%) 0.64
CLDB's ROA (%) is ranked lower than
65% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CLDB: 0.64 )
Ranked among companies with meaningful ROA (%) only.
CLDB' s 10-Year ROA (%) Range
Min: -1.28  Med: 0.98 Max: 1.31
Current: 0.64
-1.28
1.31
Revenue Growth (3Y)(%) 3.20
CLDB's Revenue Growth (3Y)(%) is ranked higher than
56% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. CLDB: 3.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CLDB' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: -1.00 Max: 92.9
Current: 3.2
0
92.9
EBITDA Growth (3Y)(%) -2.00
CLDB's EBITDA Growth (3Y)(%) is ranked lower than
74% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. CLDB: -2.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CLDB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -19.90 Max: 30.8
Current: -2
0
30.8
EPS Growth (3Y)(%) -1.90
CLDB's EPS Growth (3Y)(%) is ranked lower than
76% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. CLDB: -1.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CLDB' s 10-Year EPS Growth (3Y)(%) Range
Min: -28.7  Med: -6.20 Max: 20.1
Current: -1.9
-28.7
20.1
» CLDB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Insider Trades

Latest Guru Trades with CLDB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 18.02
CLDB's P/E(ttm) is ranked lower than
73% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. CLDB: 18.02 )
Ranked among companies with meaningful P/E(ttm) only.
CLDB' s 10-Year P/E(ttm) Range
Min: 7.02  Med: 17.36 Max: 27.61
Current: 18.02
7.02
27.61
Forward P/E 16.61
CLDB's Forward P/E is ranked lower than
88% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. CLDB: 16.61 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.90
CLDB's PE(NRI) is ranked lower than
74% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. CLDB: 17.90 )
Ranked among companies with meaningful PE(NRI) only.
CLDB' s 10-Year PE(NRI) Range
Min: 7.01  Med: 17.31 Max: 27.48
Current: 17.9
7.01
27.48
P/B 1.14
CLDB's P/B is ranked lower than
56% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. CLDB: 1.14 )
Ranked among companies with meaningful P/B only.
CLDB' s 10-Year P/B Range
Min: 0.45  Med: 1.04 Max: 2.02
Current: 1.14
0.45
2.02
P/S 2.92
CLDB's P/S is ranked higher than
50% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. CLDB: 2.92 )
Ranked among companies with meaningful P/S only.
CLDB' s 10-Year P/S Range
Min: 1.25  Med: 3.15 Max: 19.36
Current: 2.92
1.25
19.36
PFCF 203.57
CLDB's PFCF is ranked lower than
99% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. CLDB: 203.57 )
Ranked among companies with meaningful PFCF only.
CLDB' s 10-Year PFCF Range
Min: 1.69  Med: 13.35 Max: 1784.2
Current: 203.57
1.69
1784.2
POCF 21.92
CLDB's POCF is ranked lower than
87% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. CLDB: 21.92 )
Ranked among companies with meaningful POCF only.
CLDB' s 10-Year POCF Range
Min: 1.63  Med: 12.05 Max: 446.05
Current: 21.92
1.63
446.05
EV-to-EBIT 25.84
CLDB's EV-to-EBIT is ranked lower than
79% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. CLDB: 25.84 )
Ranked among companies with meaningful EV-to-EBIT only.
CLDB' s 10-Year EV-to-EBIT Range
Min: -48.9  Med: 28.70 Max: 107.7
Current: 25.84
-48.9
107.7
Shiller P/E 20.22
CLDB's Shiller P/E is ranked lower than
67% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. CLDB: 20.22 )
Ranked among companies with meaningful Shiller P/E only.
CLDB' s 10-Year Shiller P/E Range
Min: 4.19  Med: 14.51 Max: 49.22
Current: 20.22
4.19
49.22

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.61
CLDB's Dividend Yield is ranked lower than
74% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. CLDB: 1.61 )
Ranked among companies with meaningful Dividend Yield only.
CLDB' s 10-Year Dividend Yield Range
Min: 0.27  Med: 4.58 Max: 17.06
Current: 1.61
0.27
17.06
Dividend Payout 0.28
CLDB's Dividend Payout is ranked higher than
61% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CLDB: 0.28 )
Ranked among companies with meaningful Dividend Payout only.
CLDB' s 10-Year Dividend Payout Range
Min: 0.1  Med: 0.67 Max: 1.2
Current: 0.28
0.1
1.2
Yield on cost (5-Year) 1.61
CLDB's Yield on cost (5-Year) is ranked lower than
77% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. CLDB: 1.61 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CLDB' s 10-Year Yield on cost (5-Year) Range
Min: 0.27  Med: 4.58 Max: 17.06
Current: 1.61
0.27
17.06

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.14
CLDB's Price/Tangible Book is ranked higher than
51% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CLDB: 1.14 )
Ranked among companies with meaningful Price/Tangible Book only.
CLDB' s 10-Year Price/Tangible Book Range
Min: 0.52  Med: 1.29 Max: 2.45
Current: 1.14
0.52
2.45
Price/Projected FCF 0.68
CLDB's Price/Projected FCF is ranked lower than
52% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. CLDB: 0.68 )
Ranked among companies with meaningful Price/Projected FCF only.
CLDB' s 10-Year Price/Projected FCF Range
Min: 0.34  Med: 0.77 Max: 1.1
Current: 0.68
0.34
1.1
Price/Median PS Value 0.93
CLDB's Price/Median PS Value is ranked higher than
72% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. CLDB: 0.93 )
Ranked among companies with meaningful Price/Median PS Value only.
CLDB' s 10-Year Price/Median PS Value Range
Min: 0.45  Med: 1.24 Max: 5.95
Current: 0.93
0.45
5.95
Price/Graham Number 0.96
CLDB's Price/Graham Number is ranked lower than
62% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. CLDB: 0.96 )
Ranked among companies with meaningful Price/Graham Number only.
CLDB' s 10-Year Price/Graham Number Range
Min: 0.43  Med: 1.01 Max: 1.59
Current: 0.96
0.43
1.59
Earnings Yield (Greenblatt) (%) 3.86
CLDB's Earnings Yield (Greenblatt) (%) is ranked lower than
71% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. CLDB: 3.86 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CLDB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.9  Med: 3.20 Max: 805.6
Current: 3.86
0.9
805.6
Forward Rate of Return (Yacktman) (%) 8.24
CLDB's Forward Rate of Return (Yacktman) (%) is ranked lower than
64% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. CLDB: 8.24 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CLDB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -23.3  Med: 7.30 Max: 24.5
Current: 8.24
-23.3
24.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Cortland Bancorp was incorporated under the laws of the State of Ohio in 1984. It is a bank holding company. The main activity of the Company is to own, manage and supervise the Cortland Savings and Banking Company. It is a full service, state chartered bank engaged in commercial and retail banking. The Bank's services include checking accounts, savings accounts, time deposit accounts, commercial, mortgage and installment loans, night depository, automated teller services, safe deposit boxes and other miscellaneous services normally offered by commercial banks. Commercial lending includes commercial, financial and agricultural loans, real estate construction and development loans, commercial real estate loans, small business lending and trade financing. Consumer lending includes residential real estate, home equity and installment lending. It also offers a variety of Internet and mobile banking options. Full service banking business is conducted at a total of twelve offices, seven of which are located in Trumbull County, Ohio. Two offices are located in the communities of Windham and Mantua in Portage County, Ohio. One office is located in the community of Williamsfield, Ashtabula County, Ohio; two are located in the communities of Boardman and North Lima in Mahoning County, Ohio. A mortgage origination office is located in Canfield, also in Mahoning County. The Bank provides brokerage and investment services through an arrangement with Investment Professionals, Inc. Under this arrangement, financial advisors can offers customers an extensive range of investment products and services, including estate planning, qualified retirement plans, mutual funds, annuities, life insurance, fixed income and equity securities and equity research and recommendations. Through Investment Professionals, Inc., the Bank also offers asset management services to customers. The Company competes with states and national banks located in Northeastern Ohio and Western Pennsylvania. It also competes with other financial institutions, such as savings and loan associations, credit unions, insurance companies, consumer finance companies and commercial finance companies.
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