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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 0.22
CVLY's Cash to Debt is ranked lower than
81% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. CVLY: 0.22 )
Ranked among companies with meaningful Cash to Debt only.
CVLY' s 10-Year Cash to Debt Range
Min: 0.14  Med: 0.45 Max: N/A
Current: 0.22
Equity to Asset 0.09
CVLY's Equity to Asset is ranked lower than
61% of the 1290 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CVLY: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
CVLY' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.09 Max: 0.1
Current: 0.09
0.07
0.1
Interest Coverage 2.04
CVLY's Interest Coverage is ranked higher than
56% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CVLY: 2.04 )
Ranked among companies with meaningful Interest Coverage only.
CVLY' s 10-Year Interest Coverage Range
Min: 0.2  Med: 0.44 Max: 2.04
Current: 2.04
0.2
2.04
F-Score: 3
WACC vs ROIC
5.46%
5.55%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 30.40
CVLY's Operating margin (%) is ranked higher than
53% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. CVLY: 30.40 )
Ranked among companies with meaningful Operating margin (%) only.
CVLY' s 10-Year Operating margin (%) Range
Min: -495.35  Med: 28.24 Max: 36.7
Current: 30.4
-495.35
36.7
Net-margin (%) 21.38
CVLY's Net-margin (%) is ranked higher than
50% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. CVLY: 21.38 )
Ranked among companies with meaningful Net-margin (%) only.
CVLY' s 10-Year Net-margin (%) Range
Min: 10.92  Med: 21.09 Max: 227.54
Current: 21.38
10.92
227.54
ROE (%) 9.46
CVLY's ROE (%) is ranked higher than
59% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. CVLY: 9.46 )
Ranked among companies with meaningful ROE (%) only.
CVLY' s 10-Year ROE (%) Range
Min: 5.53  Med: 10.26 Max: 13.98
Current: 9.46
5.53
13.98
ROA (%) 0.91
CVLY's ROA (%) is ranked higher than
58% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CVLY: 0.91 )
Ranked among companies with meaningful ROA (%) only.
CVLY' s 10-Year ROA (%) Range
Min: 0.43  Med: 0.95 Max: 1.14
Current: 0.91
0.43
1.14
ROC (Joel Greenblatt) (%) 75.51
CVLY's ROC (Joel Greenblatt) (%) is ranked higher than
51% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. CVLY: 75.51 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CVLY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 24.45  Med: 47.99 Max: 160
Current: 75.51
24.45
160
Revenue Growth (3Y)(%) 2.00
CVLY's Revenue Growth (3Y)(%) is ranked higher than
52% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. CVLY: 2.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CVLY' s 10-Year Revenue Growth (3Y)(%) Range
Min: 2  Med: 8.90 Max: 120.6
Current: 2
2
120.6
EBITDA Growth (3Y)(%) 16.50
CVLY's EBITDA Growth (3Y)(%) is ranked higher than
74% of the 1011 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. CVLY: 16.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CVLY' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 7.50 Max: 41.4
Current: 16.5
0
41.4
EPS Growth (3Y)(%) 22.70
CVLY's EPS Growth (3Y)(%) is ranked higher than
75% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. CVLY: 22.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CVLY' s 10-Year EPS Growth (3Y)(%) Range
Min: -23.2  Med: 5.20 Max: 50.9
Current: 22.7
-23.2
50.9
» CVLY's 10-Y Financials

Financials


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

» Details

Guru Trades

CVLY Guru Trades in

CVLY Guru Trades in

CVLY Guru Trades in

Q1 2015

CVLY Guru Trades in Q1 2015

Chuck Royce 14,831 sh (New)
» More
» Details

Insider Trades

Latest Guru Trades with CVLY

(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) 10.51
CVLY's P/E(ttm) is ranked higher than
72% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. CVLY: 10.51 )
Ranked among companies with meaningful P/E(ttm) only.
CVLY' s 10-Year P/E(ttm) Range
Min: 6.16  Med: 9.63 Max: 16.55
Current: 10.51
6.16
16.55
Forward P/E 7.85
CVLY's Forward P/E is ranked higher than
84% of the 750 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. CVLY: 7.85 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.70
CVLY's PE(NRI) is ranked higher than
72% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. CVLY: 10.70 )
Ranked among companies with meaningful PE(NRI) only.
CVLY' s 10-Year PE(NRI) Range
Min: 6.2  Med: 9.61 Max: 16.7
Current: 10.7
6.2
16.7
P/B 1.08
CVLY's P/B is ranked higher than
51% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. CVLY: 1.08 )
Ranked among companies with meaningful P/B only.
CVLY' s 10-Year P/B Range
Min: 0.38  Med: 1.06 Max: 1.71
Current: 1.08
0.38
1.71
P/S 2.28
CVLY's P/S is ranked higher than
68% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. CVLY: 2.28 )
Ranked among companies with meaningful P/S only.
CVLY' s 10-Year P/S Range
Min: 0.68  Med: 2.01 Max: 12.38
Current: 2.28
0.68
12.38
PFCF 17.80
CVLY's PFCF is ranked lower than
70% of the 825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. CVLY: 17.80 )
Ranked among companies with meaningful PFCF only.
CVLY' s 10-Year PFCF Range
Min: 2.12  Med: 6.93 Max: 48.95
Current: 17.8
2.12
48.95
POCF 8.71
CVLY's POCF is ranked higher than
57% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. CVLY: 8.71 )
Ranked among companies with meaningful POCF only.
CVLY' s 10-Year POCF Range
Min: 1.92  Med: 5.70 Max: 682.45
Current: 8.71
1.92
682.45
EV-to-EBIT 14.16
CVLY's EV-to-EBIT is ranked higher than
51% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. CVLY: 14.16 )
Ranked among companies with meaningful EV-to-EBIT only.
CVLY' s 10-Year EV-to-EBIT Range
Min: 6.6  Med: 14.30 Max: 52.7
Current: 14.16
6.6
52.7
PEG 0.43
CVLY's PEG is ranked higher than
85% of the 542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. CVLY: 0.43 )
Ranked among companies with meaningful PEG only.
CVLY' s 10-Year PEG Range
Min: 0.27  Med: 0.43 Max: 62.39
Current: 0.43
0.27
62.39
Shiller P/E 12.54
CVLY's Shiller P/E is ranked higher than
74% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.62 vs. CVLY: 12.54 )
Ranked among companies with meaningful Shiller P/E only.
CVLY' s 10-Year Shiller P/E Range
Min: 4.34  Med: 12.54 Max: 18.3
Current: 12.54
4.34
18.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.43
CVLY's Dividend Yield is ranked lower than
54% of the 2112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. CVLY: 2.43 )
Ranked among companies with meaningful Dividend Yield only.
CVLY' s 10-Year Dividend Yield Range
Min: 1.81  Med: 2.57 Max: 7.83
Current: 2.43
1.81
7.83
Dividend Payout 0.26
CVLY's Dividend Payout is ranked higher than
63% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.24 vs. CVLY: 0.26 )
Ranked among companies with meaningful Dividend Payout only.
CVLY' s 10-Year Dividend Payout Range
Min: 0.08  Med: 0.33 Max: 7.67
Current: 0.26
0.08
7.67
Dividend growth (3y) 16.10
CVLY's Dividend growth (3y) is ranked higher than
70% of the 640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CVLY: 16.10 )
Ranked among companies with meaningful Dividend growth (3y) only.
CVLY' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 8.10 Max: 37.6
Current: 16.1
0
37.6
Yield on cost (5-Year) 5.63
CVLY's Yield on cost (5-Year) is ranked higher than
82% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.91 vs. CVLY: 5.63 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CVLY' s 10-Year Yield on cost (5-Year) Range
Min: 4.19  Med: 5.95 Max: 18.14
Current: 5.63
4.19
18.14
Share Buyback Rate -5.60
CVLY's Share Buyback Rate is ranked lower than
70% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. CVLY: -5.60 )
Ranked among companies with meaningful Share Buyback Rate only.
CVLY' s 10-Year Share Buyback Rate Range
Min: 0.7  Med: -0.90 Max: -5.6
Current: -5.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.12
CVLY's Price/Tangible Book is ranked higher than
53% of the 1331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. CVLY: 1.12 )
Ranked among companies with meaningful Price/Tangible Book only.
CVLY' s 10-Year Price/Tangible Book Range
Min: 0.38  Med: 1.32 Max: 2.11
Current: 1.12
0.38
2.11
Price/Projected FCF 0.45
CVLY's Price/Projected FCF is ranked higher than
74% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. CVLY: 0.45 )
Ranked among companies with meaningful Price/Projected FCF only.
CVLY' s 10-Year Price/Projected FCF Range
Min: 0.19  Med: 0.57 Max: 1.9
Current: 0.45
0.19
1.9
Price/Median PS Value 1.10
CVLY's Price/Median PS Value is ranked higher than
51% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. CVLY: 1.10 )
Ranked among companies with meaningful Price/Median PS Value only.
CVLY' s 10-Year Price/Median PS Value Range
Min: 0.33  Med: 1.38 Max: 5.91
Current: 1.1
0.33
5.91
Price/Peter Lynch Fair Value 0.56
CVLY's Price/Peter Lynch Fair Value is ranked higher than
80% of the 357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. CVLY: 0.56 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CVLY' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.3  Med: 0.95 Max: 2.75
Current: 0.56
0.3
2.75
Price/Graham Number 0.69
CVLY's Price/Graham Number is ranked higher than
70% of the 1154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. CVLY: 0.69 )
Ranked among companies with meaningful Price/Graham Number only.
CVLY' s 10-Year Price/Graham Number Range
Min: 0.29  Med: 0.84 Max: 1.38
Current: 0.69
0.29
1.38
Earnings Yield (Greenblatt) (%) 7.17
CVLY's Earnings Yield (Greenblatt) (%) is ranked higher than
56% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CVLY: 7.17 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CVLY' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.9  Med: 7.00 Max: 15.2
Current: 7.17
1.9
15.2
Forward Rate of Return (Yacktman) (%) 30.63
CVLY's Forward Rate of Return (Yacktman) (%) is ranked higher than
78% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. CVLY: 30.63 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CVLY' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -0.2  Med: 18.60 Max: 45.3
Current: 30.63
-0.2
45.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Codorus Valley Bancorp Inc is a Pennsylvania business corporation, incorporated on October 7, 1986. On March 2, 1987, Codorus Valley became a bank holding company under the Bank Holding Company Act of 1956. PeoplesBank, A Codorus Valley Company is its wholly owned bank subsidiary. SYC Realty Co., Inc. is its wholly owned nonbank subsidiary. The Company's business consists of managing PeoplesBank, and its source of income is dividends received from PeoplesBank. The Bank offers business and consumer banking services through eighteen financial centers located throughout York County, Pennsylvania and in Hunt Valley, Bel Air and Westminster, Maryland. It also offers investment, insurance, trust and real estate settlement services. The Federal Deposit Insurance Corporation insures the deposits of PeoplesBank to the maximum extent provided by law. The Bank competes with commercial banks and other financial service providers, such as thrifts, credit unions, consumer finance companies, investment firms and mortgage companies. The Company is registered as a bank holding company, and is subject to regulation by the Board of Governors of the Federal Reserve System, under the Bank Holding Company Act of 1956, as amended.
» More Articles for CVLY

Headlines

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Codorus Valley Bancorp Inc Reports Operating Results (10-Q) Aug 11 2010 
Codorus Valley Bancorp Inc Reports Operating Results (10-Q) May 12 2010 
Codorus Valley Bancorp Inc Reports Operating Results (10-Q) Nov 12 2009 
Codorus Valley Bancorp Inc Reports Operating Results (10-Q) Aug 12 2009 
Codorus Valley Bancorp Inc Reports Operating Results (10-Q) May 14 2009 

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Codorus Valley Bancorp, Inc. Reports Annual Earnings for the Year 2014 Jan 22 2015
Codorus Valley Bancorp, Inc. Reports Annual Earnings for the Year 2014 Jan 22 2015
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