CVLY Codorus Valley Bancorp Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: CVLY

Price (delayed)

$22.505

Market cap

$217.01M

P/E Ratio

8.66

Dividend/share

$0.67

EPS

$2.6

Enterprise value

$285.07M

Codorus Valley Bancorp, Inc. is the largest independent financial services holding company headquartered in York, Pennsylvania. Codorus Valley primarily operates through its financial services subsidiary, PeoplesBank, A Codorus Valley Company. ...

Highlights
The equity has grown by 13% YoY and by 9% from the previous quarter
The company's gross profit rose by 9% YoY
The P/E is 31% below the 5-year quarterly average of 12.6 but 11% above the last 4 quarters average of 7.8
The net income has increased by 24% year-on-year but it has declined by 9% since the previous quarter
Codorus Valley Bancorp's debt has surged by 78% YoY and by 21% QoQ
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.peoplesbanknet.com
Peers: CZNC ORRF NWFL FNB

Key stats

What are the main financial stats of CVLY
Market
Shares outstanding
9.64M
Market cap
$217.01M
Enterprise value
$285.07M
Valuations
Price to earnings (P/E)
8.66
Price to book (P/B)
1.08
Price to sales (P/S)
2.27
EV/EBIT
8.95
EV/EBITDA
8.33
EV/Sales
2.99
Earnings
Revenue
$95.31M
EBIT
$31.84M
EBITDA
$34.2M
Free cash flow
$21.85M
Per share
EPS
$2.6
Free cash flow per share
$2.27
Book value per share
$20.77
Revenue per share
$9.92
TBVPS
$228.12
Balance sheet
Total assets
$2.19B
Total liabilities
$2B
Debt
$101.75M
Equity
$199.61M
Working capital
N/A
Liquidity
Debt to equity
0.51
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.99
Margins
EBITDA margin
35.9%
Gross margin
100%
Net margin
26.2%
Operating margin
33.4%
Efficiency
Return on assets
1.1%
Return on equity
13.3%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
33.4%
Dividend
Dividend yield
2.98%
DPS
$0.67
Payout ratio
25.8%

CVLY stock price

How has the Codorus Valley Bancorp stock price performed over time
Intraday
-0.2%
1 week
5.41%
1 month
0.02%
1 year
13.09%
YTD
-12.43%
QTD
-1.12%

Financial performance

How have Codorus Valley Bancorp's revenue and profit performed over time
Revenue
$95.31M
Gross profit
$95.31M
Operating income
$31.84M
Net income
$24.97M
Gross margin
100%
Net margin
26.2%
CVLY's operating income is up by 24% year-on-year but it is down by 9% since the previous quarter
The net income has increased by 24% year-on-year but it has declined by 9% since the previous quarter
The operating margin rose by 14% year-on-year but it has declined by 8% since the previous quarter
Codorus Valley Bancorp's net margin has increased by 14% YoY but it has decreased by 8% QoQ

Growth

What is Codorus Valley Bancorp's growth rate over time

Valuation

What is Codorus Valley Bancorp stock price valuation
P/E
8.66
P/B
1.08
P/S
2.27
EV/EBIT
8.95
EV/EBITDA
8.33
EV/Sales
2.99
The P/E is 31% below the 5-year quarterly average of 12.6 but 11% above the last 4 quarters average of 7.8
CVLY's EPS is up by 23% YoY but it is down by 9% QoQ
The equity has grown by 13% YoY and by 9% from the previous quarter
The price to book (P/B) is 9% higher than the 5-year quarterly average of 1.0
The stock's price to sales (P/S) is 9% less than its 5-year quarterly average of 2.5 but 8% more than its last 4 quarters average of 2.1
The company's revenue rose by 9% YoY

Efficiency

How efficient is Codorus Valley Bancorp business performance
The company's return on assets rose by 22% YoY but it fell by 8% QoQ
The ROIC has grown by 17% YoY but it has contracted by 13% from the previous quarter
Codorus Valley Bancorp's ROE has increased by 17% YoY but it has decreased by 11% from the previous quarter
CVLY's ROS is up by 14% YoY but it is down by 8% QoQ

Dividends

What is CVLY's dividend history
Dividend details
DPS
$0.67
Dividend yield
2.98%
Payout ratio
25.8%
Recent dividends

Financial health

How did Codorus Valley Bancorp financials performed over time
The total assets is 10% more than the total liabilities
Codorus Valley Bancorp's debt is 49% lower than its equity
Codorus Valley Bancorp's debt has surged by 78% YoY and by 21% QoQ
The debt to equity has soared by 59% YoY and by 11% from the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.