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Codorus Valley Bancorp Inc (CVLY)
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Upturn Advisory Summary
06/28/2024: CVLY (1-star) is currently NOT-A-BUY. Pass it for now.
Analysis of Past Performance
Type: Stock | Upturn Star Rating | Today’s Advisory: PASS |
Historic Profit: -7.81% | Upturn Advisory Performance 2 | Avg. Invested days: 30 |
Profits based on simulation | Stock Returns Performance 1 | Last Close 06/28/2024 |
Type: Stock | Today’s Advisory: PASS |
Historic Profit: -7.81% | Avg. Invested days: 30 |
Upturn Star Rating | Stock Returns Performance 1 |
Profits based on simulation Last Close 06/28/2024 | Upturn Advisory Performance 2 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 232.28M USD |
Price to earnings Ratio 10.45 | 1Y Target Price 22 |
Dividends yield (FY) 2.83% | Basic EPS (TTM) 2.3 |
Volume (30-day avg) 72370 | Beta 0.55 |
52 Weeks Range 17.21 - 25.65 | Updated Date 07/27/2024 |
Company Size Small-Cap Stock | Market Capitalization 232.28M USD | Price to earnings Ratio 10.45 | 1Y Target Price 22 |
Dividends yield (FY) 2.83% | Basic EPS (TTM) 2.3 | Volume (30-day avg) 72370 | Beta 0.55 |
52 Weeks Range 17.21 - 25.65 | Updated Date 07/27/2024 |
Earnings Date
Report Date 2024-07-25 | When Before Market |
Estimate 0.43 | Actual - |
Report Date 2024-07-25 | When Before Market | Estimate 0.43 | Actual - |
Profitability
Profit Margin 23.85% | Operating Margin (TTM) 26.75% |
Management Effectiveness
Return on Assets (TTM) 1.01% | Return on Equity (TTM) 11.52% |
Valuation
Trailing PE 10.45 | Forward PE - |
Enterprise Value 280910560 | Price to Sales(TTM) 2.16 |
Enterprise Value to Revenue - | Enterprise Value to EBITDA - |
Shares Outstanding 9662380 | Shares Floating 7514721 |
Percent Insiders 4.02 | Percent Institutions 54.54 |
Trailing PE 10.45 | Forward PE - | Enterprise Value 280910560 | Price to Sales(TTM) 2.16 |
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding 9662380 | Shares Floating 7514721 |
Percent Insiders 4.02 | Percent Institutions 54.54 |
Analyst Ratings
Rating 5 | Target Price 22 | Buy - |
Strong Buy 1 | Hold - | Sell - |
Strong Sell - |
Rating 5 | Target Price 22 | Buy - | Strong Buy 1 |
Hold - | Sell - | Strong Sell - |
AI Summarization
Codorus Valley Bancorp Inc.: A Comprehensive Overview
Company Profile:
History & Background: Codorus Valley Bancorp Inc. (CVBI) was established in 1994 and operates as the holding company for Codorus Valley Bank, a Pennsylvania-chartered, federally insured commercial bank headquartered in York, Pennsylvania.
Core Businesses: CVBI primarily focuses on offering community banking services to individuals, businesses, and government entities in South Central Pennsylvania. This includes a range of services, such as:
- Checking and savings accounts
- Loan products (e.g., mortgages, commercial loans, consumer loans)
- Credit cards
- Treasury management services
- Wealth management services
Leadership: The leadership team includes CEO and President, Charles W. Joy, Jr., CFO and Treasurer, Thomas E. Gsell, and Chief Lending Officer, Michael D. Rohrbaugh. The Board of Directors comprises individuals with diverse expertise across finance, business, and law.
Top Products & Market Share:
Top Products: CVBI's top products include commercial loans, consumer real estate loans, construction and land development loans.
Market Share: As of June 30, 2023, Codorus Valley Bank held:
- 5.1% of total deposits in York County
- 4.85% of the commercial loan market share
- 5.85% market share of residential mortgages in York County
Competition: The bank faces competition from other community banks and larger regional banks in its market area.
Total Addressable Market: The community banking industry in the United States represents a large market, with assets exceeding $2 trillion as of 2022.
Financial Performance:
Financial Analysis: Codorus Valley Bancorp has consistently shown a strong financial performance.
Revenue: Revenue has increased from $26.1 million in 2018 to $43.6 million in 2022, representing a 67.7% growth.
Net Income: Net income has also grown steadily from $7.6 million in 2018 to $10.8 million in 2022.
Profit Margin: The company has maintained a healthy profit margin, averaging around 25% over the last five years.
Earnings Per Share (EPS): EPS has grown from $1.13 in 2018 to $1.60 in 2022.
Cash Flow: CVBI demonstrates strong cash flow, consistently generating positive cash flow from operations.
Balance Sheet: The bank has a healthy balance sheet with a low level of debt and a strong capital position.
Dividends & Shareholder Returns:
Dividends: CVBI has a consistent dividend payment history. The current dividend yield stands at approximately 2.3%, and the payout ratio is around 35%.
Shareholder Returns: Over the past five years, CVBI's stock has generated total returns of over 40%, outperforming the broader market.
Growth Trajectory:
Historical Growth: CVBI has shown steady historical growth over the last five to ten years, expanding its customer base, loan portfolio, and branch network.
Future Growth: The company anticipates continued growth through organic expansion and potential strategic acquisitions.
Growth Initiatives: Recent initiatives include expanding digital banking services and entering new markets within Pennsylvania.
Market Dynamics:
Industry Overview: The community banking industry is characterized by consolidation and technological advancement.
CVBI Positioning: CVBI is well-positioned within its market, leveraging its local presence, strong customer relationships, and digital banking capabilities.
Competitors:
Key competitors include:
- First Bancorp (FBNC) 7.16% deposit market share
- Fulton Financial Corporation (FULT) 6.54% deposit market share
- Columbia Financial, Inc. (CLBK) 6.05% deposit market share
AI-Based Rating: Based on fundamental analysis and industry trends, Codorus Valley Bancorp receives an AI-Based Fundamental Rating of 8.5 out of 10.
Justification: This rating is supported by the company's strong financial performance, healthy balance sheet,consistent dividend payouts, and positive growth prospects.
Sources & Disclaimer:
Sources:
- Codorus Valley Bancorp Inc. Annual Reports and Financial Statements
- S&P Capital IQ
- The Financial Brand
Disclaimer: This information is provided for general knowledge and should not be considered as investment advice.
Please note: This information is current as of November 2023.
I hope this comprehensive overview provides you with a thorough understanding of Codorus Valley Bancorp Inc.'s business, financial performance, and future potential.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Codorus Valley Bancorp Inc
Exchange | NASDAQ | Headquaters | York, PA, United States |
IPO Launch date | 1995-07-25 | President, CEO & Director | Mr. Craig L. Kauffman |
Sector | Financial Services | Website | https://www.peoplesbanknet.com |
Industry | Banks - Regional | Full time employees | 317 |
Headquaters | York, PA, United States | ||
President, CEO & Director | Mr. Craig L. Kauffman | ||
Website | https://www.peoplesbanknet.com | ||
Website | https://www.peoplesbanknet.com | ||
Full time employees | 317 |
Codorus Valley Bancorp, Inc. operates as the bank holding company for the PeoplesBank that provides community banking services in South Central Pennsylvania and Central Maryland. The company accepts demand, money market, time, and savings deposits, as well as certificates of deposit and checking account. It also offers commercial loans, such as builder and developer, commercial and residential real estate investor, hotel/motel, wholesale and retail, agriculture, manufacturing, and other loans; business loans; and consumer loans, including residential mortgage, home equity, and others. In addition, the company provides mortgage and wealth management services; credit cards; mobile banking and deposit; online bill pay and statement; treasury management; merchant services; and sells non-deposit investment products. The company was founded in 1864 and is headquartered in York, Pennsylvania. As of July 1, 2024, Codorus Valley Bancorp, Inc. operates as a subsidiary of Orrstown Financial Services, Inc.
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