Codorus Valley Bancorp (Codorus Valley Bancorp) Cash-to-Debt : 0.33 (As of Dec. 2023)

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What is Codorus Valley Bancorp Cash-to-Debt?

Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Codorus Valley Bancorp's cash to debt ratio for the quarter that ended in Dec. 2023 was 0.33.

If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Codorus Valley Bancorp couldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2023.

The historical rank and industry rank for Codorus Valley Bancorp's Cash-to-Debt or its related term are showing as below:

CVLY' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.33 Med: 0.66 Max: 10.09
Current: 0.33

During the past 13 years, Codorus Valley Bancorp's highest Cash to Debt Ratio was 10.09. The lowest was 0.33. And the median was 0.66.

CVLY's Cash-to-Debt is ranked worse than
79.65% of 1440 companies
in the Banks industry
Industry Median: 1.245 vs CVLY: 0.33

Codorus Valley Bancorp Cash-to-Debt Historical Data

The historical data trend for Codorus Valley Bancorp's Cash-to-Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

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Codorus Valley Bancorp Cash-to-Debt Chart

Codorus Valley Bancorp Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Cash-to-Debt

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1.55

4.21

10.09

2.65

0.33

Codorus Valley Bancorp Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Cash-to-Debt	Get a 7-Day Free Trial															2.65	0.97	0.70	0.61	0.33

Competitive Comparison of Codorus Valley Bancorp's Cash-to-Debt

For the Banks - Regional subindustry, Codorus Valley Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Codorus Valley Bancorp's Cash-to-Debt Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Codorus Valley Bancorp's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where Codorus Valley Bancorp's Cash-to-Debt falls into.

Codorus Valley Bancorp Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

Codorus Valley Bancorp's Cash to Debt Ratio for the fiscal year that ended in Dec. 2023 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	33.691	/	(56.541	+	45.213)
	=	0.33

Codorus Valley Bancorp's Cash to Debt Ratio for the quarter that ended in Dec. 2023 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	33.691	/	(56.541	+	45.213)
	=	0.33

Codorus Valley Bancorp (NAS:CVLY) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

Codorus Valley Bancorp Cash-to-Debt Related Terms

Thank you for viewing the detailed overview of Codorus Valley Bancorp's Cash-to-Debt provided by GuruFocus.com. Please click on the following links to see related term pages.

Codorus Valley Bancorp (Codorus Valley Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Codorus Valley Bancorp Inc (NAS:CVLY) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

105 Leader Heights Road, P.O. Box 2887, Codorus Valley Corporate Center, York, PA, USA, 17403

Website

https://www.peoplesbanknet.com

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.

Executives

Stephen M Altland	officer: SVP of PeoplesBank	105 LEADER HEIGHTS ROAD, YORK PA 17403
Scott V Fainor	director	105 LEADER HEIGHTS RD, YORK PA 17403
John W Giambalvo	other: Director of PeoplesBank	105 LEADER HEIGHTS ROAD, YORK PA 17403
John E Kiernan	director	110 CROTON AVENUE, MOUNT KISCO NY 10549
Craig L Kauffman	officer: EVP & COO	105 LEADER HEIGHTS ROAD, YORK PA 17403
Keith Michael Cenekofsky	director	105 LEADER HEIGHTS ROAD, YORK PA 17403
Brian D Brunner	other: Director of PeoplesBank	105 LEADER HEIGHTS ROAD, YORK PA 17403
Sarah M Brown	director	105 LEADER HEIGHTS ROAD, YORK PA 17403
Kent K. Matsumoto	director	105 LEADER HEIGHTS RD, YORK PA 17403
Diane E Hill	officer: Vice President	105 LEADER HEIGHTS ROAD, YORK PA 17403
Matthew A Clemens	officer: SVP of subsidiary, PeoplesBank	105 LEADER HEIGHTS ROAD, YORK PA 17403
John Rodney Messick	director	105 LEADER HEIGHTS ROAD, YORK PA 17403
Larry D Pickett	officer: Treasurer	105 LEADER HEIGHTS ROAD, YORK PA 17403
Daniel R Stolzer	officer: General Counsel	C/O CODORUS VALLEY BANCORP INC, 105 LEADER HEIGHTS ROAD, YORK PA 17403
Kristen Marie Heisey	other: SVP of PeoplesBank	105 LEADER HEIGHTS ROAD, YORK PA 17403