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CODORUS VALLEY BANCORP INC (CVLY) Stock Fundamental Analysis

NASDAQ:CVLY - Nasdaq - US1920251048 - Common Stock - Currency: USD

24.04  +1.14 (+4.98%)

After market: 24.04 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to CVLY. CVLY was compared to 405 industry peers in the Banks industry. CVLY has a medium profitability rating, but doesn't score so well on its financial health evaluation. CVLY is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year CVLY was profitable.
CVLY had a positive operating cash flow in the past year.
In the past 5 years CVLY has always been profitable.
In the past 5 years CVLY always reported a positive cash flow from operatings.
CVLY Yearly Net Income VS EBIT VS OCF VS FCFCVLY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M

1.2 Ratios

CVLY has a better Return On Assets (1.01%) than 66.10% of its industry peers.
With a decent Return On Equity value of 11.06%, CVLY is doing good in the industry, outperforming 73.41% of the companies in the same industry.
Industry RankSector Rank
ROA 1.01%
ROE 11.06%
ROIC N/A
ROA(3y)0.89%
ROA(5y)0.81%
ROE(3y)10.45%
ROE(5y)9.07%
ROIC(3y)N/A
ROIC(5y)N/A
CVLY Yearly ROA, ROE, ROICCVLY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

The Profit Margin of CVLY (23.98%) is comparable to the rest of the industry.
CVLY's Profit Margin has been stable in the last couple of years.
CVLY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 23.98%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y33.26%
PM growth 5Y0.67%
GM growth 3YN/A
GM growth 5YN/A
CVLY Yearly Profit, Operating, Gross MarginsCVLY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20 25

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2

2. Health

2.1 Basic Checks

CVLY does not have a ROIC to compare to the WACC, probably because it is not profitable.
CVLY has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, CVLY has less shares outstanding
Compared to 1 year ago, CVLY has a worse debt to assets ratio.
CVLY Yearly Shares OutstandingCVLY Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M 8M
CVLY Yearly Total Debt VS Total AssetsCVLY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B

2.2 Solvency

CVLY has a debt to FCF ratio of 3.40. This is a good value and a sign of high solvency as CVLY would need 3.40 years to pay back of all of its debts.
With a Debt to FCF ratio value of 3.40, CVLY perfoms like the industry average, outperforming 44.88% of the companies in the same industry.
A Debt/Equity ratio of 0.36 indicates that CVLY is not too dependend on debt financing.
CVLY has a Debt to Equity ratio of 0.36. This is in the lower half of the industry: CVLY underperforms 65.85% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF 3.4
Altman-Z N/A
ROIC/WACCN/A
WACC15.28%
CVLY Yearly LT Debt VS Equity VS FCFCVLY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CVLY Yearly Current Assets VS Current LiabilitesCVLY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M

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2

3. Growth

3.1 Past

CVLY shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.15%.
Measured over the past 5 years, CVLY shows a small growth in Earnings Per Share. The EPS has been growing by 5.77% on average per year.
Looking at the last year, CVLY shows a decrease in Revenue. The Revenue has decreased by -2.47% in the last year.
CVLY shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.33% yearly.
EPS 1Y (TTM)-8.15%
EPS 3Y44.5%
EPS 5Y5.77%
EPS Q2Q%-39.72%
Revenue 1Y (TTM)-2.47%
Revenue growth 3Y7.73%
Revenue growth 5Y4.33%
Sales Q2Q%-11.09%

3.2 Future

The Earnings Per Share is expected to decrease by -11.61% on average over the next years. This is quite bad
The Revenue is expected to grow by 0.95% on average over the next years.
EPS Next Y-31.64%
EPS Next 2Y-11.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-4.12%
Revenue Next 2Y0.95%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CVLY Yearly Revenue VS EstimatesCVLY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
CVLY Yearly EPS VS EstimatesCVLY Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.41, which indicates a very decent valuation of CVLY.
CVLY's Price/Earnings ratio is in line with the industry average.
CVLY is valuated cheaply when we compare the Price/Earnings ratio to 29.63, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 11.78, the valuation of CVLY can be described as reasonable.
Based on the Price/Forward Earnings ratio, CVLY is valued a bit more expensive than the industry average as 67.07% of the companies are valued more cheaply.
CVLY is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.41
Fwd PE 11.78
CVLY Price Earnings VS Forward Price EarningsCVLY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

CVLY's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 10.85
EV/EBITDA N/A
CVLY Per share dataCVLY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

A cheap valuation may be justified as CVLY's earnings are expected to decrease with -11.61% in the coming years.
PEG (NY)N/A
PEG (5Y)1.8
EPS Next 2Y-11.61%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

CVLY has a Yearly Dividend Yield of 2.83%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.18, CVLY is paying slightly less dividend.
CVLY's Dividend Yield is a higher than the S&P500 average which is at 2.27.
Industry RankSector Rank
Dividend Yield 2.83%

5.2 History

The dividend of CVLY has a limited annual growth rate of 3.21%.
CVLY has paid a dividend for at least 10 years, which is a reliable track record.
CVLY has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)3.21%
Div Incr Years3
Div Non Decr Years3
CVLY Yearly Dividends per shareCVLY Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.2 0.4 0.6

5.3 Sustainability

CVLY pays out 28.99% of its income as dividend. This is a sustainable payout ratio.
DP28.99%
EPS Next 2Y-11.61%
EPS Next 3YN/A
CVLY Yearly Income VS Free CF VS DividendCVLY Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M
CVLY Dividend Payout.CVLY Dividend Payout, showing the Payout Ratio.CVLY Dividend Payout.PayoutRetained Earnings

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CODORUS VALLEY BANCORP INC

NASDAQ:CVLY (6/28/2024, 8:00:01 PM)

After market: 24.04 0 (0%)

24.04

+1.14 (+4.98%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-25 2024-04-25/amc
Earnings (Next)07-25 2024-07-25/amc
Inst Owners0.45%
Inst Owner Change-0.77%
Ins Owners6.72%
Ins Owner Change0%
Market Cap232.23M
Analysts85.71
Price Target22.44 (-6.66%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.83%
Yearly Dividend0.66
Dividend Growth(5Y)3.21%
DP28.99%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.39%
Min EPS beat(2)-8.22%
Max EPS beat(2)5.44%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.62%
Min Revenue beat(2)-4.08%
Max Revenue beat(2)5.33%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 10.41
Fwd PE 11.78
P/S 2.5
P/FCF 10.85
P/OCF 10.15
P/B 1.16
P/tB 1.17
EV/EBITDA N/A
EPS(TTM)2.31
EY9.61%
EPS(NY)2.04
Fwd EY8.49%
FCF(TTM)2.22
FCFY9.22%
OCF(TTM)2.37
OCFY9.85%
SpS9.6
BVpS20.81
TBVpS20.57
PEG (NY)N/A
PEG (5Y)1.8
Profitability
Industry RankSector Rank
ROA 1.01%
ROE 11.06%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.98%
GM N/A
FCFM 23.08%
ROA(3y)0.89%
ROA(5y)0.81%
ROE(3y)10.45%
ROE(5y)9.07%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y33.26%
PM growth 5Y0.67%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF 3.4
Debt/EBITDA N/A
Cap/Depr 62.26%
Cap/Sales 1.58%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 96.26%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC15.28%
ROIC/WACCN/A
Cap/Depr(3y)79.55%
Cap/Depr(5y)85.86%
Cap/Sales(3y)2.28%
Cap/Sales(5y)2.75%
Profit Quality(3y)138.64%
Profit Quality(5y)120.57%
High Growth Momentum
Growth
EPS 1Y (TTM)-8.15%
EPS 3Y44.5%
EPS 5Y5.77%
EPS Q2Q%-39.72%
EPS Next Y-31.64%
EPS Next 2Y-11.61%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.47%
Revenue growth 3Y7.73%
Revenue growth 5Y4.33%
Sales Q2Q%-11.09%
Revenue Next Year-4.12%
Revenue Next 2Y0.95%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y7.95%
FCF growth 3Y27.43%
FCF growth 5Y1.87%
OCF growth 1Y3.74%
OCF growth 3Y22.83%
OCF growth 5Y1.05%