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Company Analysis Codorus Valley Bancorp, Inc.
1. Summary
Advantages
- Price (24.04 $) is less than fair price (25.64 $)
- Current debt level 4.48% is below 100% and has decreased over 5 years from 4.9%.
- The company's current efficiency (ROE=12.51%) is higher than the sector average (ROE=6.45%)
Disadvantages
- Dividends (0%) are below the sector average (2.3%).
- The stock's return over the last year (0%) is lower than the sector average (18.27%).
Similar companies
2. Share price and performance
2.1. Share price
2.3. Market efficiency
| Codorus Valley Bancorp, Inc. | Financials | Index | |
|---|---|---|---|
| 7 days | 0% | -10.7% | 0.8% |
| 90 days | 0% | 10.1% | 22.3% |
| 1 year | 0% | 18.3% | 20.4% |
CVLY vs Sector: Codorus Valley Bancorp, Inc. has significantly underperformed the "Financials" sector by -18.27% over the past year.
CVLY vs Market: Codorus Valley Bancorp, Inc. has significantly underperformed the market by -20.44% over the past year.
Stable price: CVLY is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.
Long period: CVLY with weekly volatility of 0% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Below fair price: The current price (24.04 $) is lower than the fair price (25.64 $).
Price not significantly lower than the fair price: The current price (24.04 $) is slightly lower than the fair price by 6.7%.
4.2. P/E
P/E vs Sector: The company's P/E (9.77) is lower than that of the sector as a whole (21.68).
P/E vs Market: The company's P/E (9.77) is lower than that of the market as a whole (90.14).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (1.22) is higher than that of the sector as a whole (0.7).
P/BV vs Market: The company's P/BV (1.22) is lower than that of the market as a whole (9.2).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (1.88) is lower than that of the sector as a whole (4.61).
P/S vs Market: The company's P/S indicator (1.88) is lower than that of the market as a whole (10.13).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (-87.29) is lower than that of the sector as a whole (11.67).
EV/Ebitda vs Market: The company's EV/Ebitda (-87.29) is lower than that of the market as a whole (50.93).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Rising and has grown by 39.46% over the last 5 years.
Earnings Slowdown: The last year's return (0%) is below the 5-year average return (39.46%).
Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-4.44%).
5.4. ROE
ROE vs Sector: The company's ROE (12.51%) is higher than that of the sector as a whole (6.45%).
ROE vs Market: The company's ROE (12.51%) is higher than that of the market as a whole (11.66%).
5.5. ROA
ROA vs Sector: The company's ROA (1.14%) is lower than that of the sector as a whole (6.1%).
ROA vs Market: The company's ROA (1.14%) is lower than that of the market as a whole (6.89%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.05%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (11.08%).
7. Dividends
7.1. Dividend yield vs Market
Low yield: The dividend yield of the company 0% is below the average for the sector '2.3%.
7.2. Stability and increase in payments
Unstable dividends: The company's dividend yield 0% has not been consistently paid over the past 7 years, DSI=0.64.
Weak dividend growth: The company's dividend yield 0% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (25.38%) are at a comfortable level.
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