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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 No Debt
HVB's Cash to Debt is ranked higher than
88% of the 1266 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. HVB: No Debt )
HVB' s 10-Year Cash to Debt Range
Min: 0.09   Max: No Debt
Current: No Debt

Equity to Asset 0.09
HVB's Equity to Asset is ranked higher than
65% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. HVB: 0.09 )
HVB' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.11
Current: 0.09

0.06
0.11
F-Score: 3
Z-Score: 0.09
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 : 4/10

vs
industry
vs
history
Operating margin (%) -3.53
HVB's Operating margin (%) is ranked lower than
53% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.46 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
51% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 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 lower than
51% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 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
51% of the 1674 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
53% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 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
57% of the 1452 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 1307 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 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
52% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 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

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
Q1 2014

HVB Guru Trades in Q1 2014

Columbia Wanger 932,700 sh (unchged)
Mario Gabelli 120,000 sh (unchged)
» More
Q2 2014

HVB Guru Trades in Q2 2014

Columbia Wanger 932,700 sh (unchged)
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%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/B 1.22
HVB's P/B is ranked higher than
66% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. HVB: 1.22 )
HVB' s 10-Year P/B Range
Min: 0.92   Max: 4.03
Current: 1.22

0.92
4.03
P/S 3.54
HVB's P/S is ranked higher than
55% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.11 vs. HVB: 3.54 )
HVB' s 10-Year P/S Range
Min: 1.86   Max: 14.69
Current: 3.54

1.86
14.69
PFCF 18.13
HVB's PFCF is ranked higher than
68% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 109.09 vs. HVB: 18.13 )
HVB' s 10-Year PFCF Range
Min: 4.85   Max: 23.35
Current: 18.13

4.85
23.35
EV-to-EBIT 31.09
HVB's EV-to-EBIT is ranked higher than
62% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.74 vs. HVB: 31.09 )
HVB' s 10-Year EV-to-EBIT Range
Min: 0.2   Max: 66.3
Current: 31.09

0.2
66.3
Shiller P/E 24.00
HVB's Shiller P/E is ranked higher than
70% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.55 vs. HVB: 24.00 )
HVB' s 10-Year Shiller P/E Range
Min: 7.02   Max: 25.09
Current: 24

7.02
25.09

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.46
HVB's Dividend Yield is ranked lower than
70% of the 1413 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.42 vs. HVB: 1.46 )
HVB' s 10-Year Dividend Yield Range
Min: 1.16   Max: 5.58
Current: 1.46

1.16
5.58
Dividend Payout 0.68
HVB's Dividend Payout is ranked higher than
57% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.48 vs. HVB: 0.68 )
HVB' s 10-Year Dividend Payout Range
Min: 0.2   Max: 9.92
Current: 0.68

0.2
9.92
Dividend growth (3y) -23.40
HVB's Dividend growth (3y) is ranked higher than
59% of the 979 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 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) 0.46
HVB's Yield on cost (5-Year) is ranked lower than
89% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. HVB: 0.46 )
HVB' s 10-Year Yield on cost (5-Year) Range
Min: 0.36   Max: 1.72
Current: 0.46

0.36
1.72
Share Buyback Rate -0.20
HVB's Share Buyback Rate is ranked higher than
84% of the 1240 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 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 1.24
HVB's Price/Tangible Book is ranked higher than
74% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. HVB: 1.24 )
HVB' s 10-Year Price/Tangible Book Range
Min: 1.1   Max: 3.71
Current: 1.24

1.1
3.71
Price/DCF (Projected) 0.58
HVB's Price/DCF (Projected) is ranked higher than
84% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. HVB: 0.58 )
HVB' s 10-Year Price/DCF (Projected) Range
Min: 0.45   Max: 1.34
Current: 0.58

0.45
1.34
Price/Median PS Value 0.97
HVB's Price/Median PS Value is ranked higher than
86% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. HVB: 0.97 )
HVB' s 10-Year Price/Median PS Value Range
Min: 0.55   Max: 3.87
Current: 0.97

0.55
3.87
Earnings Yield (Greenblatt) 3.20
HVB's Earnings Yield (Greenblatt) is ranked higher than
52% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. HVB: 3.20 )
HVB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.5   Max: 414
Current: 3.2

1.5
414
Forward Rate of Return (Yacktman) 11.05
HVB's Forward Rate of Return (Yacktman) is ranked higher than
67% of the 1309 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. HVB: 11.05 )
HVB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -19.2   Max: 35.1
Current: 11.05

-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.
» 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 

More From Other Websites
Hudson Valley Holding Corp. To Present At 2014 Raymond James U.S. Bank Conference Aug 18 2014
HUDSON VALLEY HOLDING CORP Financials Aug 15 2014
Hudson Valley Bank Provides Funding Aug 08 2014
HUDSON VALLEY HOLDING CORP Files SEC form 10-Q, Quarterly Report Aug 06 2014
HUDSON VALLEY HOLDING CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Jul 25 2014
Hudson Valley Holding Corp. Announces Financial Results For The Second Quarter Of 2014 Jul 25 2014
Q2 2014 Hudson Valley Holding Corp Earnings Release - After Market Close Jul 25 2014
Hudson Valley Holding Corp. To Present At 2014 KBW Community Bank Investor Conference Jul 09 2014
Hudson Valley Holding Corp. To Announce 2014 Second Quarter Results And Host A Conference Call Jul 02 2014
Hudson Valley Holding Corp. Names Scott J. Skorobohaty Chief Banking Officer Jul 02 2014
HUDSON VALLEY HOLDING CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 09 2014
HUDSON VALLEY HOLDING CORP Files SEC form 10-Q, Quarterly Report May 08 2014
HUDSON VALLEY HOLDING CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... May 02 2014
HUDSON VALLEY HOLDING CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... May 01 2014
James J. Landy to Retire as Executive Chairman of Hudson Valley Holding Corp. & Hudson Valley Bank Apr 29 2014
HUDSON VALLEY HOLDING CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 28 2014
Hudson Valley Holding Corp. Announces Financial Results For The First Quarter Of 2014 Apr 28 2014
HUDSON VALLEY HOLDING CORP Files SEC form 8-K, Change in Directors or Principal Officers Apr 18 2014
HUDSON VALLEY HOLDING CORP Files SEC form 8-K, Change in Directors or Principal Officers Apr 11 2014
Hudson Valley Holding Corp. To Announce 2014 First Quarter Results And Host A Conference Call Apr 02 2014

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