Business Description
Codorus Valley Bancorp Inc
NAICS : 522110
SIC : 6035
105 Leader Heights Road, P.O. Box 2887, Codorus Valley Corporate Center, York, PA, USA, 17405
Description
Codorus Valley Bancorp Inc is a United States-based bank holding company. Through its subsidiary, it offers a full range of consumer, business, wealth management, and mortgage services at financial centers located in communities throughout South Central Pennsylvania and Central Maryland. It operates in a single segment, which is community banking. The loan portfolio is segmented is two classes: commercial, which includes builder & developer, commercial real estate investor, residential real estate investor, hotel/motel, wholesale & retail, agriculture, manufacturing, and all others; and consumer, which consists of residential mortgage, home equity and all other. Substantially, all the revenue for the group is derived in the form of an interest income.
Financial Strength
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 4.73 | |||||
| Equity-to-Asset | 0.08 | |||||
| Debt-to-Equity | 0.34 | |||||
| Debt-to-EBITDA | 0.75 | |||||
| Interest Coverage | N/A |
N/A
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N/A
| |||
| Piotroski F-Score | 5/9 | |||||
| Altman Z-Score | 0 | |||||
| Beneish M-Score | -2.42 | |||||
| WACC vs ROIC | ||||||
Growth Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 1.6 | |||||
| 3-Year EPS without NRI Growth Rate | -8.5 | |||||
| 3-Year FCF Growth Rate | 13.1 | |||||
| 3-Year Book Growth Rate | 4.6 |
Momentum Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 5.26 | |||||
| 9-Day RSI | 14.22 | |||||
| 14-Day RSI | 21.67 | |||||
| 6-1 Month Momentum % | 4.83 | |||||
| 12-1 Month Momentum % | 1.12 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 2.86 | |||||
| Dividend Payout Ratio | 0.43 | |||||
| 3-Year Dividend Growth Rate | -5.1 | |||||
| Forward Dividend Yield % | 2.86 | |||||
| 5-Year Yield-on-Cost % | 4.05 | |||||
| 3-Year Average Share Buyback Ratio | 1.5 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 15.55 | |||||
| ROE % | 6.55 | |||||
| ROA % | 0.54 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 16.26 | |||||
| PE Ratio without NRI | 16.26 | |||||
| Shiller PE Ratio | 12.26 | |||||
| Price-to-Owner-Earnings | 20.13 | |||||
| PEG Ratio | 2.85 | |||||
| PS Ratio | 2.51 | |||||
| PB Ratio | 1.14 | |||||
| Price-to-Tangible-Book | 1.16 | |||||
| Price-to-Free-Cash-Flow | 10.23 | |||||
| Price-to-Operating-Cash-Flow | 9.2 | |||||
| EV-to-Revenue | -2.28 | |||||
| EV-to-FCF | -9.23 | |||||
| Price-to-Projected-FCF | 0.63 | |||||
| Price-to-DCF (Earnings Based) | 1.2 | |||||
| Price-to-DCF (FCF Based) | 0.75 | |||||
| Price-to-Median-PS-Value | 1.08 | |||||
| Price-to-Peter-Lynch-Fair-Value | 2.89 | |||||
| Price-to-Graham-Number | 0.91 | |||||
| Forward Rate of Return (Yacktman) % | 13.52 |
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Analyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 80.256 | ||
| EPS (TTM) ($) | 1.29 | ||
| Beta | 0.39 | ||
| Volatility % | 12.46 | ||
| 14-Day RSI | 21.67 | ||
| 14-Day ATR ($) | 0.452721 | ||
| 20-Day SMA ($) | 22.227 | ||
| 12-1 Month Momentum % | 1.12 | ||
| 52-Week Range ($) | 20.76 - 24.48 | ||
| Shares Outstanding (Mil) | 9.54 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 5 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Codorus Valley Bancorp Inc Filings
| Document | Form | Filing Date | ||
|---|---|---|---|---|
| No Filing Data | ||||