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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 0.24
CVLY's Cash to Debt is ranked higher than
59% of the 1549 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. CVLY: 0.24 )
CVLY' s 10-Year Cash to Debt Range
Min: 0.14   Max: 10.23
Current: 0.24

0.14
10.23
Equity to Asset 0.10
CVLY's Equity to Asset is ranked higher than
70% of the 1958 Companies
in the Global Banks - Regional - US industry.

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

0.07
0.1
Interest Coverage 2.04
CVLY's Interest Coverage is ranked higher than
77% of the 1803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. CVLY: 2.04 )
CVLY' s 10-Year Interest Coverage Range
Min: 0.2   Max: 2.04
Current: 2.04

0.2
2.04
F-Score: 4
Z-Score: 0.17
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 (%) 32.54
CVLY's Operating margin (%) is ranked higher than
79% of the 1983 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.82 vs. CVLY: 32.54 )
CVLY' s 10-Year Operating margin (%) Range
Min: -495.35   Max: 36.7
Current: 32.54

-495.35
36.7
Net-margin (%) 23.30
CVLY's Net-margin (%) is ranked higher than
78% of the 1983 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.87 vs. CVLY: 23.30 )
CVLY' s 10-Year Net-margin (%) Range
Min: 10.92   Max: 227.54
Current: 23.3

10.92
227.54
ROE (%) 10.16
CVLY's ROE (%) is ranked higher than
82% of the 1993 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. CVLY: 10.16 )
CVLY' s 10-Year ROE (%) Range
Min: 5.53   Max: 13.98
Current: 10.16

5.53
13.98
ROA (%) 0.99
CVLY's ROA (%) is ranked higher than
82% of the 1995 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CVLY: 0.99 )
CVLY' s 10-Year ROA (%) Range
Min: 0.43   Max: 1.14
Current: 0.99

0.43
1.14
ROC (Joel Greenblatt) (%) 74.41
CVLY's ROC (Joel Greenblatt) (%) is ranked higher than
75% of the 1957 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.19 vs. CVLY: 74.41 )
CVLY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 24.45   Max: 160
Current: 74.41

24.45
160
Revenue Growth (3Y)(%) 2.00
CVLY's Revenue Growth (3Y)(%) is ranked higher than
77% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. CVLY: 2.00 )
CVLY' s 10-Year Revenue Growth (3Y)(%) Range
Min: 2   Max: 120.6
Current: 2

2
120.6
EBITDA Growth (3Y)(%) 12.60
CVLY's EBITDA Growth (3Y)(%) is ranked higher than
83% of the 1492 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. CVLY: 12.60 )
CVLY' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 41.9
Current: 12.6

0
41.9
EPS Growth (3Y)(%) 22.70
CVLY's EPS Growth (3Y)(%) is ranked higher than
89% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. CVLY: 22.70 )
CVLY' s 10-Year EPS Growth (3Y)(%) Range
Min: -23.2   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

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Ratios

vs
industry
vs
history
P/E(ttm) 9.90
CVLY's P/E(ttm) is ranked higher than
91% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. CVLY: 9.90 )
CVLY' s 10-Year P/E(ttm) Range
Min: 6.47   Max: 18.82
Current: 9.9

6.47
18.82
Forward P/E 7.85
CVLY's Forward P/E is ranked higher than
95% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.98 vs. CVLY: 7.85 )
N/A
PE(NRI) 9.90
CVLY's PE(NRI) is ranked higher than
92% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. CVLY: 9.90 )
CVLY' s 10-Year PE(NRI) Range
Min: 6.51   Max: 18.87
Current: 9.9

6.51
18.87
P/B 0.95
CVLY's P/B is ranked higher than
83% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.38 vs. CVLY: 0.95 )
CVLY' s 10-Year P/B Range
Min: 0.4   Max: 1.92
Current: 0.95

0.4
1.92
P/S 2.23
CVLY's P/S is ranked higher than
86% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.72 vs. CVLY: 2.23 )
CVLY' s 10-Year P/S Range
Min: 0.71   Max: 13
Current: 2.23

0.71
13
PFCF 13.11
CVLY's PFCF is ranked higher than
84% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CVLY: 13.11 )
CVLY' s 10-Year PFCF Range
Min: 2.22   Max: 20.23
Current: 13.11

2.22
20.23
POCF 10.76
CVLY's POCF is ranked higher than
83% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 128.00 vs. CVLY: 10.76 )
CVLY' s 10-Year POCF Range
Min: 2.01   Max: 15.4
Current: 10.76

2.01
15.4
EV-to-EBIT 13.17
CVLY's EV-to-EBIT is ranked higher than
80% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.77 vs. CVLY: 13.17 )
CVLY' s 10-Year EV-to-EBIT Range
Min: 6.8   Max: 54.6
Current: 13.17

6.8
54.6
PEG 0.69
CVLY's PEG is ranked higher than
94% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CVLY: 0.69 )
CVLY' s 10-Year PEG Range
Min: 0.29   Max: 65.52
Current: 0.69

0.29
65.52
Shiller P/E 12.75
CVLY's Shiller P/E is ranked higher than
94% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CVLY: 12.75 )
CVLY' s 10-Year Shiller P/E Range
Min: 4.56   Max: 21.03
Current: 12.75

4.56
21.03

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.44
CVLY's Dividend Yield is ranked higher than
53% of the 1894 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.35 vs. CVLY: 2.44 )
CVLY' s 10-Year Dividend Yield Range
Min: 1.73   Max: 7.46
Current: 2.44

1.73
7.46
Dividend Payout 0.23
CVLY's Dividend Payout is ranked higher than
83% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. CVLY: 0.23 )
CVLY' s 10-Year Dividend Payout Range
Min: 0.17   Max: 0.46
Current: 0.23

0.17
0.46
Dividend growth (3y) 16.10
CVLY's Dividend growth (3y) is ranked higher than
87% of the 1121 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. CVLY: 16.10 )
CVLY' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 37.6
Current: 16.1

0
37.6
Yield on cost (5-Year) 6.22
CVLY's Yield on cost (5-Year) is ranked higher than
85% of the 1907 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.62 vs. CVLY: 6.22 )
CVLY' s 10-Year Yield on cost (5-Year) Range
Min: 4.49   Max: 19.35
Current: 6.22

4.49
19.35
Share Buyback Rate -5.60
CVLY's Share Buyback Rate is ranked higher than
63% of the 1443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. CVLY: -5.60 )
CVLY' s 10-Year Share Buyback Rate Range
Min: 0.7   Max: -5.6
Current: -5.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.95
CVLY's Price/Tangible Book is ranked higher than
87% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. CVLY: 0.95 )
CVLY' s 10-Year Price/Tangible Book Range
Min: 0.4   Max: 2.01
Current: 0.95

0.4
2.01
Price/DCF (Projected) 0.46
CVLY's Price/DCF (Projected) is ranked higher than
92% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.61 vs. CVLY: 0.46 )
CVLY' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 1.99
Current: 0.46

0.2
1.99
Price/Median PS Value 1.08
CVLY's Price/Median PS Value is ranked higher than
80% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. CVLY: 1.08 )
CVLY' s 10-Year Price/Median PS Value Range
Min: 0.34   Max: 3.05
Current: 1.08

0.34
3.05
Price/Peter Lynch Fair Value 0.49
CVLY's Price/Peter Lynch Fair Value is ranked higher than
98% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CVLY: 0.49 )
CVLY' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.36   Max: 2.75
Current: 0.49

0.36
2.75
Price/Graham Number 0.64
CVLY's Price/Graham Number is ranked higher than
91% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. CVLY: 0.64 )
CVLY' s 10-Year Price/Graham Number Range
Min: 0.3   Max: 1.33
Current: 0.64

0.3
1.33
Earnings Yield (Greenblatt) 7.60
CVLY's Earnings Yield (Greenblatt) is ranked higher than
77% of the 1969 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. CVLY: 7.60 )
CVLY' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.8   Max: 14.7
Current: 7.6

1.8
14.7
Forward Rate of Return (Yacktman) 32.88
CVLY's Forward Rate of Return (Yacktman) is ranked higher than
86% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.86 vs. CVLY: 32.88 )
CVLY' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.5   Max: 45.1
Current: 32.88

-0.5
45.1

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.
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Headlines

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Codorus Valley Bancorp Inc Reports Operating Results (10-Q) May 14 2009 

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