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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6035
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Cortland Bancorp is a bank holding company. The Company owns, manages and supervises the Cortland Savings and Banking Company. It is a full service, state chartered bank engaged in commercial and retail banking.

Cortland Bancorp was incorporated under the laws of the State of Ohio in 1984. It is a bank holding company. The Company is engaged in owning, managing and supervising 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.

Ratios

vs
industry
vs
history
P/E(ttm) 16.07
CLDB's P/E(ttm) is ranked lower than
60% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. CLDB: 16.07 )
Ranked among companies with meaningful P/E(ttm) only.
CLDB' s P/E(ttm) Range Over the Past 10 Years
Min: 7.01  Med: 16.06 Max: 28.18
Current: 16.07
7.01
28.18
PE(NRI) 16.07
CLDB's PE(NRI) is ranked lower than
59% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. CLDB: 16.07 )
Ranked among companies with meaningful PE(NRI) only.
CLDB' s PE(NRI) Range Over the Past 10 Years
Min: 7.01  Med: 16.05 Max: 28.18
Current: 16.07
7.01
28.18
Price/Owner Earnings (ttm) 19.74
CLDB's Price/Owner Earnings (ttm) is ranked lower than
69% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. CLDB: 19.74 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CLDB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.3  Med: 12.85 Max: 32.55
Current: 19.74
4.3
32.55
P/B 1.37
CLDB's P/B is ranked lower than
62% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. CLDB: 1.37 )
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: 1.69
Current: 1.37
0.45
1.69
P/S 3.24
CLDB's P/S is ranked higher than
52% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. CLDB: 3.24 )
Ranked among companies with meaningful P/S only.
CLDB' s P/S Range Over the Past 10 Years
Min: 1.24  Med: 2.94 Max: 19.3
Current: 3.24
1.24
19.3
PFCF 7.03
CLDB's PFCF is ranked higher than
67% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. CLDB: 7.03 )
Ranked among companies with meaningful PFCF only.
CLDB' s PFCF Range Over the Past 10 Years
Min: 1.69  Med: 13.33 Max: 216.2
Current: 7.03
1.69
216.2
POCF 6.80
CLDB's POCF is ranked higher than
64% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. CLDB: 6.80 )
Ranked among companies with meaningful POCF only.
CLDB' s POCF Range Over the Past 10 Years
Min: 1.63  Med: 10.3 Max: 63.4
Current: 6.8
1.63
63.4
EV-to-EBIT 21.21
CLDB's EV-to-EBIT is ranked lower than
75% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. CLDB: 21.21 )
Ranked among companies with meaningful EV-to-EBIT only.
CLDB' s EV-to-EBIT Range Over the Past 10 Years
Min: -48.9  Med: 23.35 Max: 107.7
Current: 21.21
-48.9
107.7
EV-to-EBITDA 15.90
CLDB's EV-to-EBITDA is ranked lower than
66% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. CLDB: 15.90 )
Ranked among companies with meaningful EV-to-EBITDA only.
CLDB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -75.5  Med: 14 Max: 105.1
Current: 15.9
-75.5
105.1
PEG 18.33
CLDB's PEG is ranked lower than
96% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. CLDB: 18.33 )
Ranked among companies with meaningful PEG only.
CLDB' s PEG Range Over the Past 10 Years
Min: 3.17  Med: 5.82 Max: 27.35
Current: 18.33
3.17
27.35
Shiller P/E 29.59
CLDB's Shiller P/E is ranked lower than
73% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. CLDB: 29.59 )
Ranked among companies with meaningful Shiller P/E only.
CLDB' s Shiller P/E Range Over the Past 10 Years
Min: 2.31  Med: 12.86 Max: 30.7
Current: 29.59
2.31
30.7

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.62
CLDB's Dividend Yield is ranked lower than
75% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. CLDB: 1.62 )
Ranked among companies with meaningful Dividend Yield only.
CLDB' s Dividend Yield Range Over the Past 10 Years
Min: 0.27  Med: 1.73 Max: 17.06
Current: 1.62
0.27
17.06
Dividend Payout 0.25
CLDB's Dividend Payout is ranked higher than
66% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CLDB: 0.25 )
Ranked among companies with meaningful Dividend Payout only.
CLDB' s Dividend Payout Range Over the Past 10 Years
Min: 0.21  Med: 0.28 Max: 1.66
Current: 0.25
0.21
1.66
Dividend Growth (3y) 32.60
CLDB's Dividend Growth (3y) is ranked higher than
87% of the 766 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. CLDB: 32.60 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CLDB' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: -100 Max: 47.9
Current: 32.6
0
47.9
Forward Dividend Yield 1.78
CLDB's Forward Dividend Yield is ranked lower than
74% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. CLDB: 1.78 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.61
CLDB's Yield on cost (5-Year) is ranked lower than
79% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. CLDB: 1.61 )
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: 1.73 Max: 17.06
Current: 1.61
0.27
17.06
3-Year Average Share Buyback Ratio 0.80
CLDB's 3-Year Average Share Buyback Ratio is ranked higher than
85% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. CLDB: 0.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CLDB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -45.4  Med: 0 Max: 1.1
Current: 0.8
-45.4
1.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.37
CLDB's Price/Tangible Book is ranked lower than
57% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. CLDB: 1.37 )
Ranked among companies with meaningful Price/Tangible Book only.
CLDB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.52  Med: 1.34 Max: 2.4
Current: 1.37
0.52
2.4
Price/Projected FCF 0.78
CLDB's Price/Projected FCF is ranked higher than
52% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. CLDB: 0.78 )
Ranked among companies with meaningful Price/Projected FCF only.
CLDB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.29  Med: 0.76 Max: 1.27
Current: 0.78
0.29
1.27
Price/Median PS Value 1.10
CLDB's Price/Median PS Value is ranked higher than
54% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. CLDB: 1.10 )
Ranked among companies with meaningful Price/Median PS Value only.
CLDB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.48  Med: 1.19 Max: 5.77
Current: 1.1
0.48
5.77
Price/Graham Number 0.99
CLDB's Price/Graham Number is ranked lower than
54% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. CLDB: 0.99 )
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 Max: 1.52
Current: 0.99
0.43
1.52
Earnings Yield (Greenblatt) (%) 4.68
CLDB's Earnings Yield (Greenblatt) (%) is ranked lower than
57% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. CLDB: 4.68 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CLDB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.9  Med: 4.1 Max: 805.6
Current: 4.68
0.9
805.6
Forward Rate of Return (Yacktman) (%) 11.22
CLDB's Forward Rate of Return (Yacktman) (%) is ranked higher than
51% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. CLDB: 11.22 )
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: -19.3  Med: 8.6 Max: 24.5
Current: 11.22
-19.3
24.5

More Statistics

Revenue (TTM) (Mil) $24.23
EPS (TTM) $ 1.11
Beta0.11
Short Percentage of Float0.00%
52-Week Range $14.15 - 19.00
Shares Outstanding (Mil)4.42
» More Articles for CLDB

Headlines

Articles On GuruFocus.com
Significant Insider Clusters Reported in the Technology, Consumer Cyclical and Financial Industries Apr 16 2013 

More From Other Websites
Cortland Bancorp, Inc. (Ohio) :CLDB-US: Earnings Analysis: Q4, 2016 By the Numbers : February 1,... Feb 01 2017
CORTLAND BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Regulation... Jan 25 2017
Cortland Bancorp Raises Quarterly Cash Dividend 14% to $0.08 Per Share; Declares Special Year-End... Jan 25 2017
Cortland Bancorp Full Year 2016 Profits Grew 11% to $4.9 Million, or $1.11 Per Share; Most... Jan 25 2017
Cortland Bancorp, Inc. (Ohio) : CLDB-US: Dividend Analysis : November 10th, 2016 (record date) : By... Jan 10 2017
Cortland Bancorp, Inc. (Ohio) : Overvalued relative to peers, but may deserve another look Dec 06 2016
CORTLAND BANCORP INC Financials Nov 18 2016
Cortland Bancorp, Inc. (Ohio): Strong price momentum but will it sustain? Nov 15 2016
CORTLAND BANCORP INC Files SEC form 10-Q, Quarterly Report Nov 10 2016
Cortland Bancorp, Inc. (Ohio) :CLDB-US: Earnings Analysis: Q3, 2016 By the Numbers : October 27,... Oct 27 2016
Cortland Bancorp Declares Quarterly Cash Dividend of $0.07 Per Share Oct 25 2016
Cortland Bancorp YTD Profits Increase 13% Oct 25 2016
Cortland Bancorp, Inc. (Ohio) : CLDB-US: Dividend Analysis : August 10th, 2016 (record date) : By... Oct 14 2016
Cortland Bancorp, Inc. (Ohio) : Overvalued relative to peers, but may deserve another look Sep 20 2016
CORTLAND BANCORP INC Files SEC form 10-Q, Quarterly Report Aug 10 2016
Cortland Bancorp, Inc. (Ohio) :CLDB-US: Earnings Analysis: Q2, 2016 By the Numbers : August 3, 2016 Aug 03 2016
Cortland Bancorp Declares Quarterly Cash Dividend of $0.07 Per Share Jul 26 2016
Cortland Bancorp Earns $2.5 Million in First Half of 2016, up 23% from 1H2015 Jul 26 2016
CORTLAND BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Other... Jul 26 2016
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