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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 0.29
CLDB's Cash to Debt is ranked lower than
77% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CLDB: 0.29 )
Ranked among companies with meaningful Cash to Debt only.
CLDB' s Cash to Debt Range Over the Past 10 Years
Min: 0.11  Med: 0.34 Max: No Debt
Current: 0.29
Equity to Asset 0.09
CLDB's Equity to Asset is ranked lower than
61% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CLDB: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
CLDB' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.10 Max: 0.12
Current: 0.09
0.07
0.12
Interest Coverage 2.15
CLDB's Interest Coverage is ranked higher than
56% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. CLDB: 2.15 )
Ranked among companies with meaningful Interest Coverage only.
CLDB' s Interest Coverage Range Over the Past 10 Years
Min: 0.22  Med: 0.61 Max: 1.65
Current: 2.15
0.22
1.65
F-Score: 6
WACC vs ROIC
4.10%
4.41%
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 (%) 24.97
CLDB's Operating margin (%) is ranked lower than
67% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. CLDB: 24.97 )
Ranked among companies with meaningful Operating margin (%) only.
CLDB' s Operating margin (%) Range Over the Past 10 Years
Min: -292.61  Med: 22.45 Max: 31.01
Current: 24.97
-292.61
31.01
Net-margin (%) 19.53
CLDB's Net-margin (%) is ranked lower than
61% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. CLDB: 19.53 )
Ranked among companies with meaningful Net-margin (%) only.
CLDB' s Net-margin (%) Range Over the Past 10 Years
Min: -176.71  Med: 18.55 Max: 25.78
Current: 19.53
-176.71
25.78
ROE (%) 7.72
CLDB's ROE (%) is ranked lower than
53% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. CLDB: 7.72 )
Ranked among companies with meaningful ROE (%) only.
CLDB' s ROE (%) Range Over the Past 10 Years
Min: -17.37  Med: 7.83 Max: 9.3
Current: 7.72
-17.37
9.3
ROA (%) 0.76
CLDB's ROA (%) is ranked lower than
57% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. CLDB: 0.76 )
Ranked among companies with meaningful ROA (%) only.
CLDB' s ROA (%) Range Over the Past 10 Years
Min: -1.28  Med: 0.68 Max: 0.98
Current: 0.76
-1.28
0.98
Revenue Growth (3Y)(%) 3.20
CLDB's Revenue Growth (3Y)(%) is ranked higher than
55% of the 1284 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 Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -41  Med: 1.95 Max: 92.9
Current: 3.2
-41
92.9
EBITDA Growth (3Y)(%) -2.00
CLDB's EBITDA Growth (3Y)(%) is ranked lower than
69% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CLDB: -2.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CLDB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -19.9  Med: -2.30 Max: 30.8
Current: -2
-19.9
30.8
EPS Growth (3Y)(%) -1.70
CLDB's EPS Growth (3Y)(%) is ranked lower than
69% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. CLDB: -1.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CLDB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -28.7  Med: -5.30 Max: 19.8
Current: -1.7
-28.7
19.8
» 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

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Ratios

vs
industry
vs
history
P/E(ttm) 19.12
CLDB's P/E(ttm) is ranked lower than
79% of the 1403 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. CLDB: 19.12 )
Ranked among companies with meaningful P/E(ttm) only.
CLDB' s P/E(ttm) Range Over the Past 10 Years
Min: 7.02  Med: 17.26 Max: 27.61
Current: 19.12
7.02
27.61
Forward P/E 16.61
CLDB's Forward P/E is ranked lower than
91% of the 703 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.52 vs. CLDB: 16.61 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.32
CLDB's PE(NRI) is ranked lower than
79% of the 1401 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. CLDB: 19.32 )
Ranked among companies with meaningful PE(NRI) only.
CLDB' s PE(NRI) Range Over the Past 10 Years
Min: 7.01  Med: 17.22 Max: 27.48
Current: 19.32
7.01
27.48
P/B 1.27
CLDB's P/B is ranked lower than
73% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. CLDB: 1.27 )
Ranked among companies with meaningful P/B only.
CLDB' s P/B Range Over the Past 10 Years
Min: 0.45  Med: 1.04 Max: 1.91
Current: 1.27
0.45
1.91
P/S 3.26
CLDB's P/S is ranked lower than
61% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.81 vs. CLDB: 3.26 )
Ranked among companies with meaningful P/S only.
CLDB' s P/S Range Over the Past 10 Years
Min: 1.25  Med: 3.07 Max: 19.36
Current: 3.26
1.25
19.36
PFCF 90.17
CLDB's PFCF is ranked lower than
98% of the 937 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.36 vs. CLDB: 90.17 )
Ranked among companies with meaningful PFCF only.
CLDB' s PFCF Range Over the Past 10 Years
Min: 1.69  Med: 14.14 Max: 1784
Current: 90.17
1.69
1784
POCF 23.52
CLDB's POCF is ranked lower than
90% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.10 vs. CLDB: 23.52 )
Ranked among companies with meaningful POCF only.
CLDB' s POCF Range Over the Past 10 Years
Min: 1.63  Med: 11.58 Max: 446
Current: 23.52
1.63
446
EV-to-EBIT 22.74
CLDB's EV-to-EBIT is ranked lower than
78% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.68 vs. CLDB: 22.74 )
Ranked among companies with meaningful EV-to-EBIT only.
CLDB' s EV-to-EBIT Range Over the Past 10 Years
Min: -48.9  Med: 25.60 Max: 107.7
Current: 22.74
-48.9
107.7
EV-to-EBITDA 14.85
CLDB's EV-to-EBITDA is ranked lower than
65% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. CLDB: 14.85 )
Ranked among companies with meaningful EV-to-EBITDA only.
CLDB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -9.8  Med: 16.00 Max: 567.8
Current: 14.85
-9.8
567.8
Shiller P/E 26.58
CLDB's Shiller P/E is ranked lower than
82% of the 520 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.90 vs. CLDB: 26.58 )
Ranked among companies with meaningful Shiller P/E only.
CLDB' s Shiller P/E Range Over the Past 10 Years
Min: 3.5  Med: 12.26 Max: 26.72
Current: 26.58
3.5
26.72

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.53
CLDB's Dividend Yield is ranked lower than
80% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. CLDB: 1.53 )
Ranked among companies with meaningful Dividend Yield only.
CLDB' s Dividend Yield Range Over the Past 10 Years
Min: 0.27  Med: 4.59 Max: 17.06
Current: 1.53
0.27
17.06
Dividend Payout 0.27
CLDB's Dividend Payout is ranked higher than
63% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CLDB: 0.27 )
Ranked among companies with meaningful Dividend Payout only.
CLDB' s Dividend Payout Range Over the Past 10 Years
Min: 0.1  Med: 0.67 Max: 1.2
Current: 0.27
0.1
1.2
Forward Dividend Yield 1.72
CLDB's Forward Dividend Yield is ranked lower than
80% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. CLDB: 1.72 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.48
CLDB's Yield on cost (5-Year) is ranked lower than
81% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. CLDB: 1.48 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CLDB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.27  Med: 4.59 Max: 17.06
Current: 1.48
0.27
17.06

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.28
CLDB's Price/Tangible Book is ranked lower than
65% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. CLDB: 1.28 )
Ranked among companies with meaningful Price/Tangible Book only.
CLDB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.52  Med: 1.28 Max: 2.45
Current: 1.28
0.52
2.45
Price/Projected FCF 0.83
CLDB's Price/Projected FCF is ranked lower than
72% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. CLDB: 0.83 )
Ranked among companies with meaningful Price/Projected FCF only.
CLDB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.29  Med: 0.73 Max: 1.03
Current: 0.83
0.29
1.03
Price/Median PS Value 1.06
CLDB's Price/Median PS Value is ranked lower than
65% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. CLDB: 1.06 )
Ranked among companies with meaningful Price/Median PS Value only.
CLDB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.46  Med: 1.27 Max: 6.11
Current: 1.06
0.46
6.11
Price/Graham Number 1.13
CLDB's Price/Graham Number is ranked lower than
76% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. CLDB: 1.13 )
Ranked among companies with meaningful Price/Graham Number only.
CLDB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.43  Med: 1.00 Max: 1.6
Current: 1.13
0.43
1.6
Earnings Yield (Greenblatt) (%) 4.41
CLDB's Earnings Yield (Greenblatt) (%) is ranked lower than
70% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CLDB: 4.41 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CLDB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.9  Med: 3.40 Max: 805.6
Current: 4.41
0.9
805.6
Forward Rate of Return (Yacktman) (%) 7.43
CLDB's Forward Rate of Return (Yacktman) (%) is ranked lower than
66% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. CLDB: 7.43 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CLDB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -20.4  Med: 7.80 Max: 24.5
Current: 7.43
-20.4
24.5

More Statistics

Revenue(Mil) $22
EPS $ 0.85
Beta0.21
Short Percentage of Float0.00%
52-Week Range $13.00 - 17.50
Shares Outstanding(Mil)4.46

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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