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10.3 (1y: +12%)
Market Cap 47.8 M P/E(ttm) 18.20
Enterprise Value 97.94 M P/B 0.90
CLDB- OTCPK (USA)
Cortland Bancorp
  • Currently 1/5
Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$10.30
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry		 vs
history
Cash to Debt 0.539
CLDB's Cash to Debt is ranked lower than
53% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. CLDB: 0.539 )
CLDB' s 10-Year Cash to Debt Range
Min: 0.13   Max: No Debt
Current: 0.54
Equity to Asset 0.085
CLDB's Equity to Asset is ranked lower than
59% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CLDB: 0.085 )
CLDB' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.12
Current: 0.09
0.07
0.12
Interest Coverage No Debt
CLDB's Interest Coverage is ranked higher than
74% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. CLDB: No Debt )
CLDB' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 3
Z-Score: 0.24
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 7/10

vs
industry		 vs
history
Operating margin (%) 13.00
CLDB's Operating margin (%) is ranked lower than
68% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.60 vs. CLDB: 13.00 )
CLDB' s 10-Year Operating margin (%) Range
Min: -292.6   Max: 38.9
Current: 13
-292.6
38.9
Net-margin (%) 13.7
CLDB's Net-margin (%) is ranked lower than
62% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. CLDB: 13.7 )
CLDB' s 10-Year Net-margin (%) Range
Min: -176.7   Max: 29.7
Current: 13.7
-176.7
29.7
ROE (%) 5.9
CLDB's ROE (%) is ranked lower than
52% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. CLDB: 5.9 )
CLDB' s 10-Year ROE (%) Range
Min: -17.2   Max: 11
Current: 5.9
-17.2
11
ROA (%) 0.5
CLDB's ROA (%) is ranked lower than
58% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. CLDB: 0.5 )
CLDB' s 10-Year ROA (%) Range
Min: -1.3   Max: 1.3
Current: 0.5
-1.3
1.3
Revenue Growth (%) 56.2
CLDB's Revenue Growth (%) is ranked higher than
99% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CLDB: 56.2 )
CLDB' s 10-Year Revenue Growth (%) Range
Min: -32.7   Max: 56.2
Current: 56.2
-32.7
56.2
ยป CLDB's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry		 vs
history
P/E(ttm) 18.20
CLDB's P/E(ttm) is ranked lower than
72% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. CLDB: 18.20 )
CLDB' s 10-Year P/E(ttm) Range
Min: 7.02   Max: 23.45
Current: 18.2
7.02
23.45
P/B 0.90
CLDB's P/B is ranked higher than
51% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. CLDB: 0.90 )
CLDB' s 10-Year P/B Range
Min: 0.45   Max: 2.52
Current: 0.9
0.45
2.52
P/S 2.14
CLDB's P/S is ranked higher than
59% of the 894 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. CLDB: 2.14 )
CLDB' s 10-Year P/S Range
Min: 1.26   Max: 8.45
Current: 2.14
1.26
8.45
EV-to-EBIT 32.3
CLDB's EV-to-EBIT is ranked lower than
79% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.84 vs. CLDB: 32.3 )
CLDB' s 10-Year EV-to-EBIT Range
Min: 6.5   Max: 38.2
Current: 32.3
6.5
38.2
Shiller P/E 24.8
CLDB's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. CLDB: 24.8 )
CLDB' s 10-Year Shiller P/E Range
Min: 4.19   Max: 26.19
Current: 24.8
4.19
26.19

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 0.30
CLDB's Dividend Yield is ranked lower than
69% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.59 vs. CLDB: 0.30 )
CLDB' s 10-Year Dividend Yield Range
Min: 2.67   Max: 17.06
Current: 0.3
2.67
17.06
Yield on cost (5-Year) 0.30
CLDB's Yield on cost (5-Year) is ranked lower than
65% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CLDB: 0.30 )
CLDB' s 10-Year Yield on cost (5-Year) Range
Min: 2.67   Max: 17.06
Current: 0.3
2.67
17.06

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.9
CLDB's Price/Tangible Book is ranked higher than
58% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CLDB: 0.9 )
CLDB' s 10-Year Price/Tangible Book Range
Min: 0.5   Max: 2.4
Current: 0.9
0.5
2.4
Price/DCF (Projected) 0.6
CLDB's Price/DCF (Projected) is ranked lower than
70% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. CLDB: 0.6 )
CLDB' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 0.9
Current: 0.6
0.3
0.9
Price/Median PS Value 0.5
CLDB's Price/Median PS Value is ranked higher than
90% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CLDB: 0.5 )
CLDB' s 10-Year Price/Median PS Value Range
Min: 0.3   Max: 1.5
Current: 0.5
0.3
1.5
Price/Graham Number 0.8
CLDB's Price/Graham Number is ranked higher than
55% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CLDB: 0.8 )
CLDB' s 10-Year Price/Graham Number Range
Min: 0.4   Max: 1.5
Current: 0.8
0.4
1.5
Earnings Yield (Greenblatt) 3.10
CLDB's Earnings Yield (Greenblatt) is ranked lower than
65% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. CLDB: 3.10 )
CLDB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.6   Max: 15.4
Current: 3.1
2.6
15.4
Forward Rate of Return (Yacktman) 5.07
CLDB's Forward Rate of Return (Yacktman) is ranked higher than
53% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.38 vs. CLDB: 5.07 )
CLDB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2.5   Max: 23.1
Current: 5.07
-2.5
23.1

Business Description

Cortland Bancorp Inc. was incorporated under the laws of the State of Ohio in 1984. The Company was approved by the Federal Reserve as a financial holding Company on March 13, 2000. The main activity of the Company is to own, manage and supervise the Cortland Savings and Banking Company. The Company presently owns all of the outstanding shares of the Bank. Cortland Bancorp conducts no other business activities except for investments in securities as permitted under the Bank Holding Company Act. The business of the Company and the Bank is not seasonal to any significant extent and is not dependent on any single customer or group of customers. The corporation makes available to shareholders a dividend reinvestment plan, which includes safekeeping services. It is holding Company for Cortland Savings and Banking Company. The Company's business Services offer free business checking, business debit cards, free online banking and business loans. Banks offers FREE Internet banking to its customers, along with automated teller services, time deposit accounts and safe deposit boxes. The Bank is subject to periodic examination and regulation by both the Federal Reserve Bank of Cleveland and the State of Ohio Division of Financial Institutions. These examinations, which include such areas as capital, liquidity, asset quality, management practices and other aspects of the Bank's operations, are mainly for the protection of the Bank's depositors. In addition to these regular examinations, the Bank must furnish periodic reports to regulatory authorities containing a full and accurate statement of its affairs. The Bank's deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The Company is subject to supervision and regulation by the Board of Governors of the Federal Reserve System.
Company Website
SEC Reports
Industry: Banks - Regional - US
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