Switch to:

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 No Debt
CVLY's Cash to Debt is ranked higher than
99% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CVLY: No Debt )
Ranked among companies with meaningful Cash to Debt only.
CVLY' s Cash to Debt Range Over the Past 10 Years
Min: 0.14  Med: 0.44 Max: N/A
Current: No Debt
Equity to Asset 0.11
CVLY's Equity to Asset is ranked higher than
60% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CVLY: 0.11 )
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: 0.1
Current: 0.11
0.07
0.1
Interest Coverage 1.95
CVLY's Interest Coverage is ranked higher than
52% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. CVLY: 1.95 )
Ranked among companies with meaningful Interest Coverage only.
CVLY' s Interest Coverage Range Over the Past 10 Years
Min: 0.2  Med: 0.56 Max: 2.04
Current: 1.95
0.2
2.04
F-Score: 4
WACC vs ROIC
5.80%
5.71%
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 (%) 28.04
CVLY's Operating margin (%) is ranked lower than
58% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. CVLY: 28.04 )
Ranked among companies with meaningful Operating margin (%) only.
CVLY' s Operating margin (%) Range Over the Past 10 Years
Min: -164.05  Med: 24.51 Max: 32.54
Current: 28.04
-164.05
32.54
Net-margin (%) 19.58
CVLY's Net-margin (%) is ranked lower than
60% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. CVLY: 19.58 )
Ranked among companies with meaningful Net-margin (%) only.
CVLY' s Net-margin (%) Range Over the Past 10 Years
Min: 10.92  Med: 21.86 Max: 79.91
Current: 19.58
10.92
79.91
ROE (%) 8.52
CVLY's ROE (%) is ranked higher than
53% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. CVLY: 8.52 )
Ranked among companies with meaningful ROE (%) only.
CVLY' s ROE (%) Range Over the Past 10 Years
Min: 3.99  Med: 9.57 Max: 13.98
Current: 8.52
3.99
13.98
ROA (%) 0.82
CVLY's ROA (%) is ranked lower than
53% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. CVLY: 0.82 )
Ranked among companies with meaningful ROA (%) only.
CVLY' s ROA (%) Range Over the Past 10 Years
Min: 0.43  Med: 0.94 Max: 1.12
Current: 0.82
0.43
1.12
Revenue Growth (3Y)(%) 2.00
CVLY's Revenue Growth (3Y)(%) is ranked lower than
96% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. CVLY: 2.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CVLY' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -28.6  Med: 8.75 Max: 67.5
Current: 2
-28.6
67.5
EBITDA Growth (3Y)(%) 16.40
CVLY's EBITDA Growth (3Y)(%) is ranked lower than
95% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CVLY: 16.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CVLY' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -19.8  Med: 8.40 Max: 41.6
Current: 16.4
-19.8
41.6
EPS Growth (3Y)(%) 22.70
CVLY's EPS Growth (3Y)(%) is ranked lower than
95% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. CVLY: 22.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CVLY' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -23.2  Med: 6.30 Max: 50.8
Current: 22.7
-23.2
50.8
» CVLY's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

CVLY Guru Trades in Q1 2015

Chuck Royce 14,831 sh (New)
» More
Q2 2015

CVLY Guru Trades in Q2 2015

Chuck Royce 36,591 sh (+146.72%)
» More
Q3 2015

CVLY Guru Trades in Q3 2015

Chuck Royce 87,459 sh (+150.97%)
» More
Q4 2015

CVLY Guru Trades in Q4 2015

Chuck Royce 208,209 sh (+126.73%)
» 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 11.20
CVLY's P/E(ttm) is ranked higher than
51% of the 2255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. CVLY: 11.20 )
Ranked among companies with meaningful P/E(ttm) only.
CVLY' s P/E(ttm) Range Over the Past 10 Years
Min: 6.17  Med: 9.70 Max: 14.71
Current: 11.2
6.17
14.71
Forward P/E 7.85
CVLY's Forward P/E is ranked higher than
64% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.44 vs. CVLY: 7.85 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.20
CVLY's PE(NRI) is ranked higher than
56% of the 1705 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.34 vs. CVLY: 11.20 )
Ranked among companies with meaningful PE(NRI) only.
CVLY' s PE(NRI) Range Over the Past 10 Years
Min: 6.13  Med: 9.70 Max: 14.65
Current: 11.2
6.13
14.65
P/B 0.74
CVLY's P/B is ranked higher than
70% of the 2306 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. CVLY: 0.74 )
Ranked among companies with meaningful P/B only.
CVLY' s P/B Range Over the Past 10 Years
Min: 0.38  Med: 1.06 Max: 1.71
Current: 0.74
0.38
1.71
P/S 2.20
CVLY's P/S is ranked higher than
57% of the 2512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. CVLY: 2.20 )
Ranked among companies with meaningful P/S only.
CVLY' s P/S Range Over the Past 10 Years
Min: 0.68  Med: 2.01 Max: 109.31
Current: 2.2
0.68
109.31
PFCF 14.53
CVLY's PFCF is ranked lower than
76% of the 1379 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.94 vs. CVLY: 14.53 )
Ranked among companies with meaningful PFCF only.
CVLY' s PFCF Range Over the Past 10 Years
Min: 2.1  Med: 7.13 Max: 370
Current: 14.53
2.1
370
POCF 7.77
CVLY's POCF is ranked lower than
54% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.05 vs. CVLY: 7.77 )
Ranked among companies with meaningful POCF only.
CVLY' s POCF Range Over the Past 10 Years
Min: 1.88  Med: 5.75 Max: 650
Current: 7.77
1.88
650
EV-to-EBIT 14.06
CVLY's EV-to-EBIT is ranked higher than
78% of the 2210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.37 vs. CVLY: 14.06 )
Ranked among companies with meaningful EV-to-EBIT only.
CVLY' s EV-to-EBIT Range Over the Past 10 Years
Min: -11.4  Med: 13.30 Max: 36.9
Current: 14.06
-11.4
36.9
EV-to-EBITDA 12.39
CVLY's EV-to-EBITDA is ranked higher than
80% of the 2214 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.19 vs. CVLY: 12.39 )
Ranked among companies with meaningful EV-to-EBITDA only.
CVLY' s EV-to-EBITDA Range Over the Past 10 Years
Min: -14.7  Med: 11.20 Max: 29.3
Current: 12.39
-14.7
29.3
PEG 0.45
CVLY's PEG is ranked higher than
76% of the 653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CVLY: 0.45 )
Ranked among companies with meaningful PEG only.
CVLY' s PEG Range Over the Past 10 Years
Min: 0.3  Med: 0.67 Max: 16.65
Current: 0.45
0.3
16.65
Shiller P/E 13.82
CVLY's Shiller P/E is ranked higher than
60% of the 682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. CVLY: 13.82 )
Ranked among companies with meaningful Shiller P/E only.
CVLY' s Shiller P/E Range Over the Past 10 Years
Min: 4.72  Med: 12.49 Max: 20.01
Current: 13.82
4.72
20.01

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.47
CVLY's Dividend Yield is ranked lower than
63% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. CVLY: 2.47 )
Ranked among companies with meaningful Dividend Yield only.
CVLY' s Dividend Yield Range Over the Past 10 Years
Min: 1.82  Med: 2.56 Max: 7.82
Current: 2.47
1.82
7.82
Dividend Payout 0.27
CVLY's Dividend Payout is ranked higher than
63% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CVLY: 0.27 )
Ranked among companies with meaningful Dividend Payout only.
CVLY' s Dividend Payout Range Over the Past 10 Years
Min: 0.08  Med: 0.32 Max: 8.25
Current: 0.27
0.08
8.25
Dividend Growth (3y) 16.00
CVLY's Dividend Growth (3y) is ranked lower than
89% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. CVLY: 16.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CVLY' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 8.15 Max: 37.5
Current: 16
0
37.5
Forward Dividend Yield 2.61
CVLY's Forward Dividend Yield is ranked lower than
64% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. CVLY: 2.61 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 5.72
CVLY's Yield on cost (5-Year) is ranked higher than
71% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. CVLY: 5.72 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CVLY' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 4.22  Med: 5.93 Max: 18.12
Current: 5.72
4.22
18.12
3-Year Average Share Buyback Ratio -5.60
CVLY's 3-Year Average Share Buyback Ratio is ranked lower than
68% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. CVLY: -5.60 )
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: -5.6  Med: -0.85 Max: 0.7
Current: -5.6
-5.6
0.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.75
CVLY's Price/Tangible Book is ranked higher than
71% of the 2217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. CVLY: 0.75 )
Ranked among companies with meaningful Price/Tangible Book only.
CVLY' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.38  Med: 1.27 Max: 2.11
Current: 0.75
0.38
2.11
Price/Projected FCF 0.54
CVLY's Price/Projected FCF is ranked higher than
61% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. CVLY: 0.54 )
Ranked among companies with meaningful Price/Projected FCF only.
CVLY' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.21  Med: 0.61 Max: 28.04
Current: 0.54
0.21
28.04
Price/Median PS Value 1.10
CVLY's Price/Median PS Value is ranked lower than
73% of the 2134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. CVLY: 1.10 )
Ranked among companies with meaningful Price/Median PS Value only.
CVLY' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.34  Med: 1.14 Max: 50.42
Current: 1.1
0.34
50.42
Price/Peter Lynch Fair Value 0.74
CVLY's Price/Peter Lynch Fair Value is ranked higher than
55% of the 634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. CVLY: 0.74 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CVLY' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.32  Med: 0.79 Max: 2.64
Current: 0.74
0.32
2.64
Price/Graham Number 0.74
CVLY's Price/Graham Number is ranked higher than
66% of the 2079 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. CVLY: 0.74 )
Ranked among companies with meaningful Price/Graham Number only.
CVLY' s Price/Graham Number Range Over the Past 10 Years
Min: 0.37  Med: 0.83 Max: 1.35
Current: 0.74
0.37
1.35
Earnings Yield (Greenblatt) (%) 7.10
CVLY's Earnings Yield (Greenblatt) (%) is ranked lower than
51% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CVLY: 7.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CVLY' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.7  Med: 7.40 Max: 13.6
Current: 7.1
2.7
13.6
Forward Rate of Return (Yacktman) (%) 25.27
CVLY's Forward Rate of Return (Yacktman) (%) is ranked higher than
68% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. CVLY: 25.27 )
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: 6.2  Med: 20.40 Max: 41.5
Current: 25.27
6.2
41.5

More Statistics

Revenue(Mil) $57
EPS $ 1.76
Beta0.68
Short Percentage of Float0.09%
52-Week Range $18.30 - 21.10
Shares Outstanding(Mil)5.89

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

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 

More From Other Websites
Codorus Valley Bancorp, Inc. Earnings Analysis: Q4, 2015 By the Numbers Jan 28 2016
Codorus Valley posts 4Q profit Jan 22 2016
Codorus Valley posts 4Q profit Jan 22 2016
Codorus Valley Bancorp, Inc. Reports Earnings For the Quarter and Year Ended December 31, 2015 Jan 22 2016
Codorus Valley Bancorp, Inc. Reports Earnings For the Quarter and Year Ended December 31, 2015 Jan 22 2016
CODORUS VALLEY BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 22 2016
Codorus Valley Bancorp, Inc. Declares Quarterly Cash Dividend Jan 14 2016
Codorus Valley Bancorp, Inc. Declares Quarterly Cash Dividend Jan 14 2016
CODORUS VALLEY BANCORP INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 14 2016
PeoplesBank President Miller to Retire Jan 12 2016
CODORUS VALLEY BANCORP INC Files SEC form 8-K, Change in Directors or Principal Officers, Amendments... Jan 12 2016
Codorus Valley Bancorp, Inc. Announces Closing of Underwriters' Purchase Option Dec 23 2015
Codorus Valley Bancorp, Inc. Announces Closing of Underwriters' Purchase Option Dec 23 2015
CODORUS VALLEY BANCORP INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 23 2015
Codorus Valley Bancorp, Inc. Announces Closing of Public Offering Dec 15 2015
Codorus Valley Bancorp, Inc. Announces Closing of Public Offering Dec 15 2015
CODORUS VALLEY BANCORP INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 15 2015
Codorus Valley Bancorp, Inc. Announces Pricing of Public Offering Dec 10 2015
CODORUS VALLEY BANCORP INC Files SEC form 8-K, Entry into a Material Definitive Agreement, Other... Dec 10 2015
Codorus Valley Bancorp, Inc. Announces Pricing of Public Offering Dec 10 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK