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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 : 6/10

vs
industry
vs
history
Cash to Debt 42.68
HVB's Cash to Debt is ranked higher than
85% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. HVB: 42.68 )
HVB' s 10-Year Cash to Debt Range
Min: 0.09   Max: No Debt
Current: 42.68

Equity to Asset 0.10
HVB's Equity to Asset is ranked higher than
67% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. HVB: 0.10 )
HVB' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.11
Current: 0.1

0.06
0.11
F-Score: 4
Z-Score: 0.10
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 (%) -3.53
HVB's Operating margin (%) is ranked lower than
54% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. HVB: -3.53 )
HVB' s 10-Year Operating margin (%) Range
Min: -5.52   Max: 52.42
Current: -3.53

-5.52
52.42
Net-margin (%) 1.14
HVB's Net-margin (%) is ranked lower than
54% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.57 vs. HVB: 1.14 )
HVB' s 10-Year Net-margin (%) Range
Min: -1.56   Max: 35.23
Current: 1.14

-1.56
35.23
ROE (%) 0.40
HVB's ROE (%) is ranked higher than
50% of the 1554 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.99 vs. HVB: 0.40 )
HVB' s 10-Year ROE (%) Range
Min: -0.77   Max: 20.5
Current: 0.4

-0.77
20.5
ROA (%) 0.04
HVB's ROA (%) is ranked lower than
54% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. HVB: 0.04 )
HVB' s 10-Year ROA (%) Range
Min: -0.08   Max: 1.52
Current: 0.04

-0.08
1.52
ROC (Joel Greenblatt) (%) -23.15
HVB's ROC (Joel Greenblatt) (%) is ranked lower than
54% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. HVB: -23.15 )
HVB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -29.11   Max: 345.69
Current: -23.15

-29.11
345.69
Revenue Growth (%) -7.50
HVB's Revenue Growth (%) is ranked higher than
58% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. HVB: -7.50 )
HVB' s 10-Year Revenue Growth (%) Range
Min: -7.5   Max: 18.7
Current: -7.5

-7.5
18.7
EBITDA Growth (%) -51.60
HVB's EBITDA Growth (%) is ranked higher than
50% of the 1124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. HVB: -51.60 )
HVB' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 19
Current: -51.6

0
19
EPS Growth (%) -38.70
HVB's EPS Growth (%) is ranked higher than
51% of the 1103 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.50 vs. HVB: -38.70 )
HVB' s 10-Year EPS Growth (%) Range
Min: -51.7   Max: 14.8
Current: -38.7

-51.7
14.8
» HVB's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2013

HVB Guru Trades in Q1 2013

Mario Gabelli 118,000 sh (unchged)
Columbia Wanger 900,995 sh (-1.74%)
» More
Q2 2013

HVB Guru Trades in Q2 2013

Columbia Wanger 900,995 sh (unchged)
Mario Gabelli 118,000 sh (unchged)
» More
Q3 2013

HVB Guru Trades in Q3 2013

Mario Gabelli 120,000 sh (+1.69%)
Columbia Wanger 900,995 sh (unchged)
» More
Q4 2013

HVB Guru Trades in Q4 2013

Columbia Wanger 932,700 sh (+3.52%)
Mario Gabelli 120,000 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with HVB

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Mario Gabelli 2011-03-31 New Buy0.01%$17.57 - $22.51 $ 19.15-4%84000
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Top Ranked Articles about Hudson Valley Holding Corp

Executive Vice President & CFO of Hudson Valley Holding Corp Michael J. Indiveri Bought 5,000 Shares
Hudson Valley Holding Corp. is a New York corporation founded in 1982. Hudson Valley Holding Corp has a market cap of $411.885 million. The Company provides financial services through its wholly-owned subsidiary, Hudson Valley Bank N.A. (HVB or the Bank), a national banking association established in 1972, with operational headquarters in Westchester County, New York. Its shares were traded at around $21.03 with a P/E ratio of 27.80 and P/S ratio of 3.60. The dividend yield of Hudson Valley Holding Corp stocks is 2.30%. Articles on GuruFocus.COM Executive Vice President & CFO of Hudson Valley Holding Corp (HVB) Michael J. Indiveri bought 5,000 shares on July 30, 2013 at an average price of $20.79. The total transaction amount was $103,950. Read more...
Hudson Valley and Cincinnati Financial Report Large Insider Buys
Over the past couple of days two banking companies have reported large insider buys coming from their CFOs. These buys come as the stocks hit a high in their price. The following two companies reported insider buys valued at over $100,000. [b] Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 302.10
HVB's P/E(ttm) is ranked lower than
68% of the 1451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.60 vs. HVB: 302.10 )
HVB' s 10-Year P/E(ttm) Range
Min: 9.98   Max: 323.75
Current: 302.1

9.98
323.75
P/B 1.30
HVB's P/B is ranked higher than
52% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. HVB: 1.30 )
HVB' s 10-Year P/B Range
Min: 0.92   Max: 4.03
Current: 1.3

0.92
4.03
P/S 3.80
HVB's P/S is ranked lower than
63% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. HVB: 3.80 )
HVB' s 10-Year P/S Range
Min: 1.86   Max: 14.69
Current: 3.8

1.86
14.69
PFCF 12.20
HVB's PFCF is ranked lower than
61% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. HVB: 12.20 )
HVB' s 10-Year PFCF Range
Min: 4.85   Max: 28.17
Current: 12.2

4.85
28.17
EV-to-EBIT 23.80
HVB's EV-to-EBIT is ranked lower than
54% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.51 vs. HVB: 23.80 )
HVB' s 10-Year EV-to-EBIT Range
Min: 0.2   Max: 66.3
Current: 23.8

0.2
66.3
Shiller P/E 21.80
HVB's Shiller P/E is ranked higher than
51% of the 841 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.71 vs. HVB: 21.80 )
HVB' s 10-Year Shiller P/E Range
Min: 6.98   Max: 23.02
Current: 21.8

6.98
23.02

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.30
HVB's Dividend Yield is ranked lower than
76% of the 1312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. HVB: 1.30 )
HVB' s 10-Year Dividend Yield Range
Min: 1.16   Max: 5.58
Current: 1.3

1.16
5.58
Dividend Payout 4.16
HVB's Dividend Payout is ranked lower than
71% of the 1147 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.31 vs. HVB: 4.16 )
HVB' s 10-Year Dividend Payout Range
Min: 0.06   Max: 4
Current: 4.16

0.06
4
Dividend growth (3y) -23.40
HVB's Dividend growth (3y) is ranked higher than
60% of the 809 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. HVB: -23.40 )
HVB' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 96.4
Current: -23.4

0
96.4
Yield on cost (5-Year) 0.40
HVB's Yield on cost (5-Year) is ranked lower than
89% of the 1327 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. HVB: 0.40 )
HVB' s 10-Year Yield on cost (5-Year) Range
Min: 0.36   Max: 1.72
Current: 0.4

0.36
1.72
Share Buyback Rate -0.20
HVB's Share Buyback Rate is ranked higher than
85% of the 1170 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.70 vs. HVB: -0.20 )
HVB' s 10-Year Share Buyback Rate Range
Min: -0.2   Max: -9.3
Current: -0.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.40
HVB's Price/Tangible Book is ranked higher than
57% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. HVB: 1.40 )
HVB' s 10-Year Price/Tangible Book Range
Min: 1.16   Max: 3.71
Current: 1.4

1.16
3.71
Price/DCF (Projected) 0.60
HVB's Price/DCF (Projected) is ranked higher than
64% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. HVB: 0.60 )
HVB' s 10-Year Price/DCF (Projected) Range
Min: 0.48   Max: 1.28
Current: 0.6

0.48
1.28
Price/Median PS Value 1.00
HVB's Price/Median PS Value is ranked higher than
71% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. HVB: 1.00 )
HVB' s 10-Year Price/Median PS Value Range
Min: 0.58   Max: 1.85
Current: 1

0.58
1.85
Price/Graham Number 4.50
HVB's Price/Graham Number is ranked lower than
71% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. HVB: 4.50 )
HVB' s 10-Year Price/Graham Number Range
Min: 0.74   Max: 4.81
Current: 4.5

0.74
4.81
Earnings Yield (Greenblatt) 4.20
HVB's Earnings Yield (Greenblatt) is ranked higher than
54% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. HVB: 4.20 )
HVB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.5   Max: 414
Current: 4.2

1.5
414
Forward Rate of Return (Yacktman) 11.19
HVB's Forward Rate of Return (Yacktman) is ranked higher than
69% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.77 vs. HVB: 11.19 )
HVB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -19.2   Max: 35.1
Current: 11.19

-19.2
35.1

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Hudson Valley Holding Corp is a New York corporation founded in 1982. The Company is registered as a bank holding company under the Bank Holding Company Act of 1956. The Company, through Hudson Valley Bank, provides banking and related services to businesses, professionals, municipalities, not-for-profit organizations, and individuals in New York. It offers deposit products ranging in maturity from demand-type accounts to certificates of deposit with maturities of up to five years. Its deposit products include checking, money market, savings, and time deposits, as well as non-interest bearing demand deposits. The Company's loan portfolio comprises commercial real estate loans; construction mortgages and residential mortgages including home equity loans. Commercial real estate loans are offered by the Company on a fixed or variable rate basis generally with up to 10 year terms. Construction loans are short-term loans secured by land for both residential and commercial development. The Company also offers various loans secured by residential real estate properties, including 1-4 family residential mortgages, and multi-family residential loans. It also offers a variety of home equity line of credit products. These products include credit lines on primary residences, vacation homes and 1-4 unit residential investment properties. construction loans secured by land for both residential and commercial development; residential real estate loans, including 1-4 family residential mortgages, multi-family residential loans, and various home equity line of credit products. It also provides investment management and broker-dealer services. In addition, the company, through a marketing and licensing agreement with the application vendor, provides a software application that meets administrative needs of bankruptcy trustees. Its principal customers are businesses, professionals, municipalities, not-for-profit organizations and individuals. As of 31 December 2013, it operated 18 branch offices in Westchester County, New York, 5 in Manhattan, New York, 4 in Bronx County, New York, 2 in Rockland County, New York, 1 in Kings County, New York, 5 in Fairfield County, Connecticut and 1 in New Haven County, Connecticut. The Company primarily operates in Westchester County, Rockland County and New York City in the state of New York. The Company derives revenues from providing banking and related services to businesses, professionals, municipalities, not-for-profit organizations and individuals. It also generates revenues from the fee income provision of investment services.

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