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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 No Debt
HVB's Cash to Debt is ranked higher than
98% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. HVB: No Debt )
Ranked among companies with meaningful Cash to Debt only.
HVB' s 10-Year Cash to Debt Range
Min: 0.09  Med: 0.25 Max: No Debt
Current: No Debt
Equity to Asset 0.10
HVB's Equity to Asset is ranked lower than
51% of the 1290 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. HVB: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
HVB' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.09 Max: 0.11
Current: 0.1
0.06
0.11
Interest Coverage 2.50
HVB's Interest Coverage is ranked higher than
61% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. HVB: 2.50 )
Ranked among companies with meaningful Interest Coverage only.
HVB' s 10-Year Interest Coverage Range
Min: 0.21  Med: 1.30 Max: 6.86
Current: 2.5
0.21
6.86
F-Score: 6
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 : 6/10

vs
industry
vs
history
Operating margin (%) 13.81
HVB's Operating margin (%) is ranked lower than
81% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. HVB: 13.81 )
Ranked among companies with meaningful Operating margin (%) only.
HVB' s 10-Year Operating margin (%) Range
Min: -5.52  Med: 43.99 Max: 52.42
Current: 13.81
-5.52
52.42
Net-margin (%) 10.26
HVB's Net-margin (%) is ranked lower than
82% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. HVB: 10.26 )
Ranked among companies with meaningful Net-margin (%) only.
HVB' s 10-Year Net-margin (%) Range
Min: -1.56  Med: 30.24 Max: 35.23
Current: 10.26
-1.56
35.23
ROE (%) 3.78
HVB's ROE (%) is ranked lower than
79% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. HVB: 3.78 )
Ranked among companies with meaningful ROE (%) only.
HVB' s 10-Year ROE (%) Range
Min: -0.75  Med: 17.30 Max: 19.99
Current: 3.78
-0.75
19.99
ROA (%) 0.36
HVB's ROA (%) is ranked lower than
77% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. HVB: 0.36 )
Ranked among companies with meaningful ROA (%) only.
HVB' s 10-Year ROA (%) Range
Min: -0.08  Med: 1.34 Max: 1.6
Current: 0.36
-0.08
1.6
ROC (Joel Greenblatt) (%) 99.97
HVB's ROC (Joel Greenblatt) (%) is ranked higher than
59% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. HVB: 99.97 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
HVB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -27.68  Med: 35.65 Max: 339.74
Current: 99.97
-27.68
339.74
Revenue Growth (3Y)(%) -8.60
HVB's Revenue Growth (3Y)(%) is ranked lower than
84% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. HVB: -8.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HVB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -8.6  Med: 9.25 Max: 18.7
Current: -8.6
-8.6
18.7
» HVB's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

HVB Guru Trades in Q2 2014

Mario Gabelli 120,000 sh (unchged)
Columbia Wanger 932,700 sh (unchged)
» More
Q3 2014

HVB Guru Trades in Q3 2014

Mario Gabelli 120,000 sh (unchged)
Columbia Wanger 932,700 sh (unchged)
» More
Q4 2014

HVB Guru Trades in Q4 2014

Jim Simons 18,087 sh (New)
Mario Gabelli 120,000 sh (unchged)
Columbia Wanger Sold Out
» More
Q1 2015

HVB Guru Trades in Q1 2015

Jim Simons 19,400 sh (+7.26%)
Mario Gabelli 120,000 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with HVB

(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) 50.86
HVB's P/E(ttm) is ranked lower than
95% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. HVB: 50.86 )
Ranked among companies with meaningful P/E(ttm) only.
HVB' s 10-Year P/E(ttm) Range
Min: 9.98  Med: 17.71 Max: 328.89
Current: 50.86
9.98
328.89
Forward P/E 18.28
HVB's Forward P/E is ranked lower than
89% of the 750 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. HVB: 18.28 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 52.30
HVB's PE(NRI) is ranked lower than
95% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. HVB: 52.30 )
Ranked among companies with meaningful PE(NRI) only.
HVB' s 10-Year PE(NRI) Range
Min: 9.99  Med: 17.75 Max: 345.33
Current: 52.3
9.99
345.33
P/B 1.85
HVB's P/B is ranked lower than
86% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. HVB: 1.85 )
Ranked among companies with meaningful P/B only.
HVB' s 10-Year P/B Range
Min: 0.92  Med: 1.55 Max: 3.26
Current: 1.85
0.92
3.26
P/S 5.12
HVB's P/S is ranked lower than
82% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. HVB: 5.12 )
Ranked among companies with meaningful P/S only.
HVB' s 10-Year P/S Range
Min: 1.86  Med: 3.69 Max: 14.69
Current: 5.12
1.86
14.69
PFCF 26.46
HVB's PFCF is ranked lower than
83% of the 825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. HVB: 26.46 )
Ranked among companies with meaningful PFCF only.
HVB' s 10-Year PFCF Range
Min: 5  Med: 12.77 Max: 103.17
Current: 26.46
5
103.17
POCF 23.77
HVB's POCF is ranked lower than
86% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. HVB: 23.77 )
Ranked among companies with meaningful POCF only.
HVB' s 10-Year POCF Range
Min: 4.85  Med: 10.41 Max: 24.4
Current: 23.77
4.85
24.4
EV-to-EBIT 14.19
HVB's EV-to-EBIT is ranked higher than
50% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. HVB: 14.19 )
Ranked among companies with meaningful EV-to-EBIT only.
HVB' s 10-Year EV-to-EBIT Range
Min: -191.5  Med: 14.30 Max: 98.9
Current: 14.19
-191.5
98.9
Shiller P/E 51.82
HVB's Shiller P/E is ranked lower than
93% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.62 vs. HVB: 51.82 )
Ranked among companies with meaningful Shiller P/E only.
HVB' s 10-Year Shiller P/E Range
Min: 7.02  Med: 16.27 Max: 53.31
Current: 51.82
7.02
53.31
Days Sales Outstanding 54.33
HVB's Days Sales Outstanding is ranked lower than
65% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 35.19 vs. HVB: 54.33 )
Ranked among companies with meaningful Days Sales Outstanding only.
HVB' s 10-Year Days Sales Outstanding Range
Min: 44.47  Med: 53.10 Max: 438.71
Current: 54.33
44.47
438.71

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.13
HVB's Dividend Yield is ranked lower than
85% of the 2112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. HVB: 1.13 )
Ranked among companies with meaningful Dividend Yield only.
HVB' s 10-Year Dividend Yield Range
Min: 0.99  Med: 2.87 Max: 6.02
Current: 1.13
0.99
6.02
Dividend Payout 0.54
HVB's Dividend Payout is ranked lower than
77% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.24 vs. HVB: 0.54 )
Ranked among companies with meaningful Dividend Payout only.
HVB' s 10-Year Dividend Payout Range
Min: 0.2  Med: 0.43 Max: 10.92
Current: 0.54
0.2
10.92
Dividend growth (3y) -23.90
HVB's Dividend growth (3y) is ranked lower than
87% of the 640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. HVB: -23.90 )
Ranked among companies with meaningful Dividend growth (3y) only.
HVB' s 10-Year Dividend growth (3y) Range
Min: 0  Med: -5.15 Max: 96
Current: -23.9
0
96
Yield on cost (5-Year) 0.33
HVB's Yield on cost (5-Year) is ranked lower than
97% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.91 vs. HVB: 0.33 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HVB' s 10-Year Yield on cost (5-Year) Range
Min: 0.29  Med: 0.85 Max: 1.78
Current: 0.33
0.29
1.78
Share Buyback Rate -0.50
HVB's Share Buyback Rate is ranked higher than
62% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. HVB: -0.50 )
Ranked among companies with meaningful Share Buyback Rate only.
HVB' s 10-Year Share Buyback Rate Range
Min: -0.2  Med: -1.30 Max: -9.3
Current: -0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.86
HVB's Price/Tangible Book is ranked lower than
80% of the 1331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. HVB: 1.86 )
Ranked among companies with meaningful Price/Tangible Book only.
HVB' s 10-Year Price/Tangible Book Range
Min: 1.1  Med: 2.15 Max: 3.71
Current: 1.86
1.1
3.71
Price/Projected FCF 1.05
HVB's Price/Projected FCF is ranked lower than
79% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. HVB: 1.05 )
Ranked among companies with meaningful Price/Projected FCF only.
HVB' s 10-Year Price/Projected FCF Range
Min: 0.48  Med: 0.74 Max: 1.39
Current: 1.05
0.48
1.39
Price/Median PS Value 1.39
HVB's Price/Median PS Value is ranked lower than
81% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. HVB: 1.39 )
Ranked among companies with meaningful Price/Median PS Value only.
HVB' s 10-Year Price/Median PS Value Range
Min: 0.55  Med: 1.19 Max: 3.95
Current: 1.39
0.55
3.95
Price/Graham Number 2.05
HVB's Price/Graham Number is ranked lower than
95% of the 1154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. HVB: 2.05 )
Ranked among companies with meaningful Price/Graham Number only.
HVB' s 10-Year Price/Graham Number Range
Min: 0.74  Med: 1.35 Max: 4.82
Current: 2.05
0.74
4.82
Earnings Yield (Greenblatt) (%) 7.53
HVB's Earnings Yield (Greenblatt) (%) is ranked higher than
55% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. HVB: 7.53 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HVB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1  Med: 6.30 Max: 414
Current: 7.53
1
414
Forward Rate of Return (Yacktman) (%) -15.58
HVB's Forward Rate of Return (Yacktman) (%) is ranked lower than
88% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. HVB: -15.58 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HVB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -18.3  Med: 9.80 Max: 30.9
Current: -15.58
-18.3
30.9

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, through its subsidiaries, provides banking and related services to businesses, professionals, municipalities, not-for-profit organizations and individuals in New York. Its customers are businesses, professionals, municipalities, not-for-profit organizations and individuals. It offers deposit products ranging in maturity from demand-type accounts to certificates of deposit with maturities of up to five years. It has 23 automated teller machines, or ATMs, at various locations, which generate activity fees based on use by other banks' customers. It is engaged in a variety of lending activities which are categorized as real estate, commercial and industrial, individual and lease financing. The Company also offers a software application designed to meet the specific administrative needs of bankruptcy trustees through a marketing and licensing agreement with the application vendor. It offers various loans secured by residential real estate properties are offered by the Company, including 1-4 family residential mortgages, multi-family residential loans and a variety of home equity line of credit products. It also offers a variety of home equity line of credit products. These products include credit lines on residences, vacation homes and 1-4 unit residential investment properties. It also provides investment management and broker-dealer services to its customers. The Company competes with banking and financial services business, mutual funds, factoring companies, mortgage bankers and insurance companies. The Company is regulated under both federal and state law.
» More Articles for HVB

Headlines

Articles On GuruFocus.com
Executive Vice President & CFO of Hudson Valley Holding Corp Michael J. Indiveri Bought 5,000 Shares Aug 02 2013 
Hudson Valley and Cincinnati Financial Report Large Insider Buys Jul 31 2013 

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