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17.9 (1y: +5%)
Market Cap 360.2 M P/E(ttm) 23.80
Enterprise Value 367.48 M P/B 1.20
HVB- NYSE (USA)
Hudson Valley Holding Corp
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$17.90
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 7/10

vs
industry		 vs
history
Cash to Debt 50.373
HVB's Cash to Debt is ranked higher than
86% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. HVB: 50.373 )
HVB' s 10-Year Cash to Debt Range
Min: 0.09   Max: 50.37
Current: 50.37
0.09
50.37
Equity to Asset 0.101
HVB's Equity to Asset is ranked higher than
68% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. HVB: 0.101 )
HVB' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.11
Current: 0.1
0.06
0.11
Interest Coverage No Debt
HVB's Interest Coverage is ranked higher than
68% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. HVB: No Debt )
HVB' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.26
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 (%) 33.60
HVB's Operating margin (%) is ranked higher than
81% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.80 vs. HVB: 33.60 )
HVB' s 10-Year Operating margin (%) Range
Min: -5.5   Max: 52.4
Current: 33.6
-5.5
52.4
Net-margin (%) 21.3
HVB's Net-margin (%) is ranked higher than
76% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.70 vs. HVB: 21.3 )
HVB' s 10-Year Net-margin (%) Range
Min: -1.6   Max: 35.2
Current: 21.3
-1.6
35.2
ROE (%) 10
HVB's ROE (%) is ranked higher than
84% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. HVB: 10 )
HVB' s 10-Year ROE (%) Range
Min: -0.8   Max: 20.5
Current: 10
-0.8
20.5
ROA (%) 1
HVB's ROA (%) is ranked higher than
82% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. HVB: 1 )
HVB' s 10-Year ROA (%) Range
Min: -0.1   Max: 1.5
Current: 1
-0.1
1.5
Revenue Growth (%) -3.7
HVB's Revenue Growth (%) is ranked lower than
57% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HVB: -3.7 )
HVB' s 10-Year Revenue Growth (%) Range
Min: -5.4   Max: 11.8
Current: -3.7
-5.4
11.8
EBITDA Growth (%) 6.4
HVB's EBITDA Growth (%) is ranked higher than
82% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HVB: 6.4 )
HVB' s 10-Year EBITDA Growth (%) Range
Min: -41.7   Max: 14.1
Current: 6.4
-41.7
14.1
EPS Growth (%) 4.7
HVB's EPS Growth (%) is ranked higher than
80% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HVB: 4.7 )
HVB' s 10-Year EPS Growth (%) Range
Min: -41.9   Max: 10.2
Current: 4.7
-41.9
10.2
ยป HVB's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

HVB Guru Trades in Q2 2012

Jim Simons 14,069 sh (+28.26%)
Mario Gabelli 122,000 sh (+0.83%)
Columbia Wanger 916,995 sh (-5%)
» More
Q3 2012

HVB Guru Trades in Q3 2012

Columbia Wanger 916,995 sh (unchged)
Mario Gabelli 118,000 sh (-3.28%)
Jim Simons 11,069 sh (-21.32%)
» More
Q4 2012

HVB Guru Trades in Q4 2012

Mario Gabelli 118,000 sh (unchged)
Columbia Wanger 916,995 sh (unchged)
Jim Simons Sold Out
» More
Q1 2013

HVB Guru Trades in Q1 2013

Mario Gabelli 118,000 sh (unchged)
Columbia Wanger 900,995 sh (-1.74%)
» 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 $ 17.9-11%84000
Premium More recent guru trades are included for Premium Members only!!
ยป Financial Charts

Peter Lynch Chart

Ratios

vs
industry		 vs
history
P/E(ttm) 23.80
HVB's P/E(ttm) is ranked lower than
59% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.60 vs. HVB: 23.80 )
HVB' s 10-Year P/E(ttm) Range
Min: 9.99   Max: 115.26
Current: 23.8
9.99
115.26
P/B 1.20
HVB's P/B is ranked higher than
51% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. HVB: 1.20 )
HVB' s 10-Year P/B Range
Min: 0.92   Max: 4.02
Current: 1.2
0.92
4.02
P/S 3.15
HVB's P/S is ranked higher than
53% of the 1433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.33 vs. HVB: 3.15 )
HVB' s 10-Year P/S Range
Min: 1.86   Max: 8.13
Current: 3.15
1.86
8.13
PFCF 8.20
HVB's PFCF is ranked higher than
57% of the 1087 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.38 vs. HVB: 8.20 )
HVB' s 10-Year PFCF Range
Min: 4.9   Max: 32.94
Current: 8.2
4.9
32.94
EV-to-EBIT 17.2
HVB's EV-to-EBIT is ranked higher than
60% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.26 vs. HVB: 17.2 )
HVB' s 10-Year EV-to-EBIT Range
Min: 0.2   Max: 66.3
Current: 17.2
0.2
66.3
Shiller P/E 14.7
HVB's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. HVB: 14.7 )
HVB' s 10-Year Shiller P/E Range
Min: 6.98   Max: 21.5
Current: 14.7
6.98
21.5

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 2.68
HVB's Dividend Yield is ranked higher than
70% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. HVB: 2.68 )
HVB' s 10-Year Dividend Yield Range
Min: 1.42   Max: 5.58
Current: 2.68
1.42
5.58
Dividend Payout 0.7934
HVB's Dividend Payout is ranked higher than
53% of the 951 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.30 vs. HVB: 0.7934 )
HVB' s 10-Year Dividend Payout Range
Min: 0.06   Max: 2.03
Current: 0.79
0.06
2.03
Dividend growth (3y) -5.6
HVB's Dividend growth (3y) is ranked lower than
57% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HVB: -5.6 )
HVB' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 65.9
Current: -5.6
0
65.9
Yield on cost (5-Year) 1.47
HVB's Yield on cost (5-Year) is ranked higher than
54% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.26 vs. HVB: 1.47 )
HVB' s 10-Year Yield on cost (5-Year) Range
Min: 0.75   Max: 2.93
Current: 1.47
0.75
2.93
Share Buyback Rate -6.3
HVB's Share Buyback Rate is ranked lower than
57% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -0.20 vs. HVB: -6.3 )
HVB' s 10-Year Share Buyback Rate Range
Min: -0.3   Max: -6.9
Current: -6.3

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.3
HVB's Price/Tangible Book is ranked higher than
61% of the 1191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. HVB: 1.3 )
HVB' s 10-Year Price/Tangible Book Range
Min: 1.1   Max: 3.8
Current: 1.3
1.1
3.8
Price/DCF (Projected) 0.5
HVB's Price/DCF (Projected) is ranked higher than
65% of the 679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. HVB: 0.5 )
HVB' s 10-Year Price/DCF (Projected) Range
Min: 0.5   Max: 1
Current: 0.5
0.5
1
Price/Median PS Value 0.7
HVB's Price/Median PS Value is ranked higher than
87% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. HVB: 0.7 )
HVB' s 10-Year Price/Median PS Value Range
Min: 0.5   Max: 1.8
Current: 0.7
0.5
1.8
Price/Graham Number 0.8
HVB's Price/Graham Number is ranked higher than
64% of the 1094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. HVB: 0.8 )
HVB' s 10-Year Price/Graham Number Range
Min: 0.7   Max: 2.5
Current: 0.8
0.7
2.5
Earnings Yield (Greenblatt) 5.80
HVB's Earnings Yield (Greenblatt) is ranked higher than
74% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.10 vs. HVB: 5.80 )
HVB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.5   Max: 414
Current: 5.8
1.5
414
Forward Rate of Return (Yacktman) 12.46
HVB's Forward Rate of Return (Yacktman) is ranked higher than
81% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HVB: 12.46 )
HVB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -24.2   Max: 19
Current: 12.46
-24.2
19

Business Description

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 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. The Company has 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 engaged in a variety of lending activities which are mainly categorized as real estate, commercial and industrial, individual and lease financing. It offer deposit products ranging in maturity from demand-type accounts to certificates of deposit with maturities of up to five years. Deposits are generally derived from customers within its primary marketplace. It solicits only certain types of deposits from outside its market area, primarily from certain professionals and government agencies. It also utilizes brokered certificates of deposit as a source of funding and to manage interest rate risk. It offer deposit pick up services for certain business customers. It has 26 automated teller machines, or ATMs, at various locations, which generate activity fees based on use by other banks' customers. The Company provides investment management services through a wholly-owned subsidiary of HVB, A.R. Schmeidler & Co., Inc. ("ARS"), a money management firm, thereby generating fee income. ARS has offices at 500 Fifth Avenue in Manhattan, New York. It also offer a software application designed to meet the specific administrative needs of bankruptcy trustees through a marketing and licensing agreement with the application vendor. The Company's main customers are businesses, professionals, municipalities, not-for-profit organizations and individuals. Its competition for loans comes mainly from commercial banks, savings banks, savings and loan associations, credit unions, mortgage banking companies, insurance companies and other financial service companies. Its most direct competition for deposits comes from commercial banks, savings banks, savings and loan associations, and money market funds and other securities funds offered by brokerage firms and other similar financial institutions. It faces additional competition for deposits from non-depository competitors such as the mutual fund industry, securities and brokerage firms, and insurance companies. Banks and bank holding companies are extensively regulated under both federal and state law.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
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