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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 0.41
CVLY's Cash-to-Debt is ranked lower than
76% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. CVLY: 0.41 )
Ranked among companies with meaningful Cash-to-Debt only.
CVLY' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.14  Med: 0.41 Max: 4.71
Current: 0.41
0.14
4.71
Equity-to-Asset 0.10
CVLY's Equity-to-Asset is ranked higher than
51% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CVLY: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
CVLY' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.11
Current: 0.1
0.07
0.11
Interest Coverage 2.20
CVLY's Interest Coverage is ranked higher than
58% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. CVLY: 2.20 )
Ranked among companies with meaningful Interest Coverage only.
CVLY' s Interest Coverage Range Over the Past 10 Years
Min: 0.2  Med: 0.94 Max: 2.2
Current: 2.2
0.2
2.2
Beneish M-Score: -2.38
WACC vs ROIC
5.19%
5.02%
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 : 5/10

vs
industry
vs
history
Operating Margin % 29.85
CVLY's Operating Margin % is ranked lower than
52% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. CVLY: 29.85 )
Ranked among companies with meaningful Operating Margin % only.
CVLY' s Operating Margin % Range Over the Past 10 Years
Min: 10.31  Med: 28.14 Max: 32.54
Current: 29.85
10.31
32.54
Net Margin % 20.60
CVLY's Net Margin % is ranked lower than
56% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. CVLY: 20.60 )
Ranked among companies with meaningful Net Margin % only.
CVLY' s Net Margin % Range Over the Past 10 Years
Min: 10.92  Med: 20.09 Max: 24.17
Current: 20.6
10.92
24.17
ROE % 8.47
CVLY's ROE % is ranked higher than
52% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. CVLY: 8.47 )
Ranked among companies with meaningful ROE % only.
CVLY' s ROE % Range Over the Past 10 Years
Min: 3.99  Med: 8.61 Max: 13.98
Current: 8.47
3.99
13.98
ROA % 0.87
CVLY's ROA % is ranked higher than
50% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CVLY: 0.87 )
Ranked among companies with meaningful ROA % only.
CVLY' s ROA % Range Over the Past 10 Years
Min: 0.43  Med: 0.84 Max: 1.12
Current: 0.87
0.43
1.12
3-Year Revenue Growth Rate -2.90
CVLY's 3-Year Revenue Growth Rate is ranked lower than
79% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. CVLY: -2.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CVLY' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -28.3  Med: 8.5 Max: 67.3
Current: -2.9
-28.3
67.3
3-Year EBITDA Growth Rate -4.10
CVLY's 3-Year EBITDA Growth Rate is ranked lower than
79% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. CVLY: -4.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CVLY' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -19.8  Med: 8 Max: 41.6
Current: -4.1
-19.8
41.6
3-Year EPS without NRI Growth Rate -5.50
CVLY's 3-Year EPS without NRI Growth Rate is ranked lower than
80% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. CVLY: -5.50 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CVLY' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -23.3  Med: 5.3 Max: 51.2
Current: -5.5
-23.3
51.2
GuruFocus has detected 4 Warning Signs with Codorus Valley Bancorp Inc $CVLY.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CVLY's 10-Y Financials

Financials (Next Earnings Date: 2017-04-21 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

CVLY Guru Trades in Q1 2016

Jim Simons 18,006 sh (New)
Chuck Royce 219,155 sh (+5.26%)
» More
Q2 2016

CVLY Guru Trades in Q2 2016

Jim Simons 70,000 sh (+288.76%)
Chuck Royce 179,209 sh (-18.23%)
» More
Q3 2016

CVLY Guru Trades in Q3 2016

Jim Simons 71,700 sh (+2.43%)
Chuck Royce 135,080 sh (-24.62%)
» More
Q4 2016

CVLY Guru Trades in Q4 2016

Jim Simons 83,971 sh (+11.54%)
Chuck Royce 112,294 sh (-20.83%)
» 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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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6035
Compare:OTCPK:ISBA, NAS:SMMF, NAS:YCB, NAS:FBIZ, NAS:FCFP, NAS:CIVB, NAS:LCNB, NAS:CSTR, NAS:MFSF, NAS:SFST, NAS:BWFG, NAS:PWOD, NAS:PFBI, NAS:CVCY, OTCPK:CSHX, NAS:SONA, NAS:PVBC, NAS:NRIM, NAS:SHBI, NAS:FFNW » details
Codorus Valley Bancorp Inc is a bank holding company, which through its subsidiaries offers business and consumer banking services.

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.

Ratios

vs
industry
vs
history
PE Ratio 16.54
CVLY's PE Ratio is ranked lower than
63% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. CVLY: 16.54 )
Ranked among companies with meaningful PE Ratio only.
CVLY' s PE Ratio Range Over the Past 10 Years
Min: 6.17  Med: 9.7 Max: 18.1
Current: 16.54
6.17
18.1
PE Ratio without NRI 16.66
CVLY's PE Ratio without NRI is ranked lower than
60% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. CVLY: 16.66 )
Ranked among companies with meaningful PE Ratio without NRI only.
CVLY' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.19  Med: 9.71 Max: 18.19
Current: 16.66
6.19
18.19
Price-to-Owner-Earnings 14.92
CVLY's Price-to-Owner-Earnings is ranked lower than
53% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. CVLY: 14.92 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CVLY' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.36  Med: 9.95 Max: 18.26
Current: 14.92
3.36
18.26
PB Ratio 1.46
CVLY's PB Ratio is ranked lower than
64% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. CVLY: 1.46 )
Ranked among companies with meaningful PB Ratio only.
CVLY' s PB Ratio Range Over the Past 10 Years
Min: 0.38  Med: 1.05 Max: 1.71
Current: 1.46
0.38
1.71
PS Ratio 3.52
CVLY's PS Ratio is ranked lower than
53% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. CVLY: 3.52 )
Ranked among companies with meaningful PS Ratio only.
CVLY' s PS Ratio Range Over the Past 10 Years
Min: 0.68  Med: 2.12 Max: 47.68
Current: 3.52
0.68
47.68
Price-to-Free-Cash-Flow 13.76
CVLY's Price-to-Free-Cash-Flow is ranked lower than
58% of the 1008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. CVLY: 13.76 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CVLY' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.1  Med: 9.17 Max: 335.71
Current: 13.76
2.1
335.71
Price-to-Operating-Cash-Flow 12.09
CVLY's Price-to-Operating-Cash-Flow is ranked lower than
56% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. CVLY: 12.09 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CVLY' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.88  Med: 7.07 Max: 28.2
Current: 12.09
1.88
28.2
EV-to-EBIT 17.35
CVLY's EV-to-EBIT is ranked lower than
71% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. CVLY: 17.35 )
Ranked among companies with meaningful EV-to-EBIT only.
CVLY' s EV-to-EBIT Range Over the Past 10 Years
Min: -11.4  Med: 13.8 Max: 52.7
Current: 17.35
-11.4
52.7
EV-to-EBITDA 15.45
CVLY's EV-to-EBITDA is ranked lower than
70% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. CVLY: 15.45 )
Ranked among companies with meaningful EV-to-EBITDA only.
CVLY' s EV-to-EBITDA Range Over the Past 10 Years
Min: -13.2  Med: 12.2 Max: 43.3
Current: 15.45
-13.2
43.3
PEG Ratio 3.11
CVLY's PEG Ratio is ranked lower than
76% of the 780 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. CVLY: 3.11 )
Ranked among companies with meaningful PEG Ratio only.
CVLY' s PEG Ratio Range Over the Past 10 Years
Min: 0.28  Med: 0.74 Max: 16.76
Current: 3.11
0.28
16.76
Shiller PE Ratio 18.25
CVLY's Shiller PE Ratio is ranked higher than
62% of the 496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.63 vs. CVLY: 18.25 )
Ranked among companies with meaningful Shiller PE Ratio only.
CVLY' s Shiller PE Ratio Range Over the Past 10 Years
Min: 4.75  Med: 12.51 Max: 19.96
Current: 18.25
4.75
19.96

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.94
CVLY's Dividend Yield % is ranked lower than
67% of the 2303 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. CVLY: 1.94 )
Ranked among companies with meaningful Dividend Yield % only.
CVLY' s Dividend Yield % Range Over the Past 10 Years
Min: 1.32  Med: 2.5 Max: 7.82
Current: 1.94
1.32
7.82
Dividend Payout Ratio 0.24
CVLY's Dividend Payout Ratio is ranked higher than
69% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CVLY: 0.24 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CVLY' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.19  Med: 0.26 Max: 0.46
Current: 0.24
0.19
0.46
3-Year Dividend Growth Rate -0.40
CVLY's 3-Year Dividend Growth Rate is ranked lower than
77% of the 772 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. CVLY: -0.40 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
CVLY' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -21.3  Med: 8.2 Max: 25
Current: -0.4
-21.3
25
Forward Dividend Yield % 2.07
CVLY's Forward Dividend Yield % is ranked lower than
69% of the 2274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. CVLY: 2.07 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.95
CVLY's 5-Year Yield-on-Cost % is ranked lower than
54% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.27 vs. CVLY: 2.95 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CVLY' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.99  Med: 3.78 Max: 11.81
Current: 2.95
1.99
11.81
3-Year Average Share Buyback Ratio -14.70
CVLY's 3-Year Average Share Buyback Ratio is ranked lower than
84% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. CVLY: -14.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CVLY' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -15.3  Med: -1.3 Max: 1.3
Current: -14.7
-15.3
1.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.44
CVLY's Price-to-Tangible-Book is ranked lower than
59% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. CVLY: 1.44 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CVLY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.38  Med: 1.3 Max: 2
Current: 1.44
0.38
2
Price-to-Intrinsic-Value-Projected-FCF 0.91
CVLY's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
59% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CVLY: 0.91 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CVLY' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.2  Med: 0.56 Max: 2.17
Current: 0.91
0.2
2.17
Price-to-Median-PS-Value 1.67
CVLY's Price-to-Median-PS-Value is ranked lower than
86% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. CVLY: 1.67 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CVLY' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.32  Med: 1.35 Max: 48.04
Current: 1.67
0.32
48.04
Price-to-Graham-Number 1.03
CVLY's Price-to-Graham-Number is ranked lower than
58% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. CVLY: 1.03 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CVLY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.38  Med: 0.84 Max: 1.29
Current: 1.03
0.38
1.29
Earnings Yield (Greenblatt) % 5.75
CVLY's Earnings Yield (Greenblatt) % is ranked lower than
53% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. CVLY: 5.75 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CVLY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.9  Med: 7.2 Max: 13.6
Current: 5.75
1.9
13.6
Forward Rate of Return (Yacktman) % 11.27
CVLY's Forward Rate of Return (Yacktman) % is ranked lower than
51% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. CVLY: 11.27 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
CVLY' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 6.7  Med: 22.35 Max: 41.2
Current: 11.27
6.7
41.2

More Statistics

Revenue (TTM) (Mil) $63.61
EPS (TTM) $ 1.59
Beta0.60
Short Percentage of Float1.10%
52-Week Range $18.82 - 29.34
Shares Outstanding (Mil)8.43
» More Articles for CVLY

Headlines

Articles On GuruFocus.com
4 Stocks Compounding Your Returns With Increased Dividends Jul 14 2014 
My 3 Favorite Stocks With Recent Dividend Growth Oct 13 2013 
My 4 Favorite Stocks with Big Dividend Growth from Last Week Jul 14 2013 
The Best Dividends on April 20, 2012 Apr 19 2012 
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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