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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.29
CLDB's Cash to Debt is ranked higher than
59% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. CLDB: 0.29 )
CLDB' s 10-Year Cash to Debt Range
Min: 0.11   Max: No Debt
Current: 0.29

Equity to Asset 0.10
CLDB's Equity to Asset is ranked higher than
68% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CLDB: 0.10 )
CLDB' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.12
Current: 0.1

0.07
0.12
Interest Coverage 0.55
CLDB's Interest Coverage is ranked higher than
55% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. CLDB: 0.55 )
CLDB' s 10-Year Interest Coverage Range
Min: 0.22   Max: 1.11
Current: 0.55

0.22
1.11
F-Score: 5
Z-Score: 0.20
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 : 7/10

vs
industry
vs
history
Operating margin (%) 16.90
CLDB's Operating margin (%) is ranked higher than
58% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. CLDB: 16.90 )
CLDB' s 10-Year Operating margin (%) Range
Min: -739.08   Max: 38.9
Current: 16.9

-739.08
38.9
Net-margin (%) 14.75
CLDB's Net-margin (%) is ranked higher than
62% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. CLDB: 14.75 )
CLDB' s 10-Year Net-margin (%) Range
Min: -176.71   Max: 263.08
Current: 14.75

-176.71
263.08
ROE (%) 5.49
CLDB's ROE (%) is ranked higher than
63% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. CLDB: 5.49 )
CLDB' s 10-Year ROE (%) Range
Min: -17.37   Max: 11.99
Current: 5.49

-17.37
11.99
ROA (%) 0.53
CLDB's ROA (%) is ranked higher than
64% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CLDB: 0.53 )
CLDB' s 10-Year ROA (%) Range
Min: -1.28   Max: 1.31
Current: 0.53

-1.28
1.31
ROC (Joel Greenblatt) (%) 28.70
CLDB's ROC (Joel Greenblatt) (%) is ranked higher than
59% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. CLDB: 28.70 )
CLDB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -267.71   Max: 133.27
Current: 28.7

-267.71
133.27
Revenue Growth (%) 5.10
CLDB's Revenue Growth (%) is ranked higher than
86% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CLDB: 5.10 )
CLDB' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 92.9
Current: 5.1

0
92.9
EBITDA Growth (%) -3.60
CLDB's EBITDA Growth (%) is ranked higher than
63% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CLDB: -3.60 )
CLDB' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 30.8
Current: -3.6

0
30.8
EPS Growth (%) -18.50
CLDB's EPS Growth (%) is ranked higher than
57% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. CLDB: -18.50 )
CLDB' s 10-Year EPS Growth (%) Range
Min: -28.7   Max: 20.1
Current: -18.5

-28.7
20.1
» 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) 25.00
CLDB's P/E(ttm) is ranked higher than
69% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. CLDB: 25.00 )
CLDB' s 10-Year P/E(ttm) Range
Min: 7.02   Max: 27.61
Current: 25

7.02
27.61
P/B 1.29
CLDB's P/B is ranked higher than
72% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. CLDB: 1.29 )
CLDB' s 10-Year P/B Range
Min: 0.45   Max: 2.43
Current: 1.29

0.45
2.43
P/S 3.66
CLDB's P/S is ranked higher than
72% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. CLDB: 3.66 )
CLDB' s 10-Year P/S Range
Min: 1.25   Max: 19.36
Current: 3.66

1.25
19.36
PFCF 6.71
CLDB's PFCF is ranked higher than
91% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CLDB: 6.71 )
CLDB' s 10-Year PFCF Range
Min: 1.69   Max: 108.76
Current: 6.71

1.69
108.76
EV-to-EBIT 34.11
CLDB's EV-to-EBIT is ranked higher than
63% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. CLDB: 34.11 )
CLDB' s 10-Year EV-to-EBIT Range
Min: -48.9   Max: 107.7
Current: 34.11

-48.9
107.7
Shiller P/E 49.10
CLDB's Shiller P/E is ranked higher than
77% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CLDB: 49.10 )
CLDB' s 10-Year Shiller P/E Range
Min: 4.19   Max: 49.22
Current: 49.1

4.19
49.22

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.15
CLDB's Dividend Yield is ranked lower than
78% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. CLDB: 1.15 )
CLDB' s 10-Year Dividend Yield Range
Min: 0.27   Max: 17.06
Current: 1.15

0.27
17.06
Dividend Payout 0.25
CLDB's Dividend Payout is ranked higher than
81% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. CLDB: 0.25 )
CLDB' s 10-Year Dividend Payout Range
Min: 0.1   Max: 1.2
Current: 0.25

0.1
1.2
Yield on cost (5-Year) 1.20
CLDB's Yield on cost (5-Year) is ranked lower than
75% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. CLDB: 1.20 )
CLDB' s 10-Year Yield on cost (5-Year) Range
Min: 0.27   Max: 17.06
Current: 1.2

0.27
17.06

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.29
CLDB's Price/Tangible Book is ranked higher than
77% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. CLDB: 1.29 )
CLDB' s 10-Year Price/Tangible Book Range
Min: 0.52   Max: 2.45
Current: 1.29

0.52
2.45
Price/DCF (Projected) 0.79
CLDB's Price/DCF (Projected) is ranked higher than
82% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. CLDB: 0.79 )
CLDB' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 1.01
Current: 0.79

0.3
1.01
Price/Median PS Value 1.05
CLDB's Price/Median PS Value is ranked higher than
81% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. CLDB: 1.05 )
CLDB' s 10-Year Price/Median PS Value Range
Min: 0.41   Max: 5.38
Current: 1.05

0.41
5.38
Price/Graham Number 1.19
CLDB's Price/Graham Number is ranked higher than
72% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. CLDB: 1.19 )
CLDB' s 10-Year Price/Graham Number Range
Min: 0.43   Max: 1.59
Current: 1.19

0.43
1.59
Earnings Yield (Greenblatt) 2.90
CLDB's Earnings Yield (Greenblatt) is ranked higher than
59% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CLDB: 2.90 )
CLDB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 805.6
Current: 2.9

0.9
805.6
Forward Rate of Return (Yacktman) -21.59
CLDB's Forward Rate of Return (Yacktman) is ranked lower than
51% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. CLDB: -21.59 )
CLDB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -22.4   Max: 24.5
Current: -21.59

-22.4
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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