Codorus Valley Bancorp Statistics
Total Valuation
CVLY has a market cap or net worth of $207.22 million. The enterprise value is $274.13 million.
| Market Cap | 207.22M |
| Enterprise Value | 274.13M |
Important Dates
The next estimated earnings date is Thursday, April 25, 2024, after market close.
| Earnings Date | Apr 25, 2024 |
| Ex-Dividend Date | May 6, 2024 |
Share Statistics
CVLY has 9.64 million shares outstanding. The number of shares has increased by 0.59% in one year.
| Shares Outstanding | 9.64M |
| Shares Change (YoY) | +0.59% |
| Shares Change (QoQ) | n/a |
| Owned by Insiders (%) | 3.72% |
| Owned by Institutions (%) | 52.71% |
| Float | 7.74M |
Valuation Ratios
The trailing PE ratio is 8.25 and the forward PE ratio is 11.97.
| PE Ratio | 8.25 |
| Forward PE | 11.97 |
| PS Ratio | 2.16 |
| Forward PS | 2.23 |
| PB Ratio | 1.03 |
| P/FCF Ratio | 9.43 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 8.01, with an EV/FCF ratio of 12.55.
| EV / Earnings | 10.98 |
| EV / Sales | 2.88 |
| EV / EBITDA | 8.01 |
| EV / EBIT | 8.61 |
| EV / FCF | 12.55 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.51 |
| Debt / EBITDA | 2.98 |
| Debt / FCF | 4.66 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 13.30% and return on invested capital (ROIC) is 8.29%.
| Return on Equity (ROE) | 13.30% |
| Return on Assets (ROA) | 1.10% |
| Return on Capital (ROIC) | 8.29% |
| Revenue Per Employee | $300,666 |
| Profits Per Employee | $78,779 |
| Employee Count | 317 |
| Asset Turnover | 0.04 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CVLY has paid $6.87 million in taxes.
| Income Tax | 6.87M |
| Effective Tax Rate | 21.57% |
Stock Price Statistics
The stock price has increased by +4.24% in the last 52 weeks. The beta is 0.55, so CVLY's price volatility has been lower than the market average.
| Beta (1Y) | 0.55 |
| 52-Week Price Change | +4.24% |
| 50-Day Moving Average | 22.44 |
| 200-Day Moving Average | 21.56 |
| Relative Strength Index (RSI) | 37.61 |
| Average Volume (30 Days) | 16,909 |
Short Selling Information
The latest short interest is 21,162, so 0.22% of the outstanding shares have been sold short.
| Short Interest | 21,162 |
| Short Previous Month | 29,910 |
| Short % of Shares Out | 0.22% |
| Short % of Float | 0.27% |
| Short Ratio (days to cover) | 1.49 |
Income Statement
In the last 12 months, CVLY had revenue of $95.31 million and earned $24.97 million in profits. Earnings per share was $2.59.
| Revenue | 95.31M |
| Gross Profit | 95.31M |
| Operating Income | 31.84M |
| Pretax Income | 31.84M |
| Net Income | 24.97M |
| EBITDA | 34.20M |
| EBIT | 31.84M |
| Earnings Per Share (EPS) | $2.59 |
Balance Sheet
The company has $33.69 million in cash and $101.75 million in debt, giving a net cash position of -$68.06 million or -$7.06 per share.
| Cash & Cash Equivalents | 33.69M |
| Total Debt | 101.75M |
| Net Cash | -68.06M |
| Net Cash Per Share | -$7.06 |
| Equity / Book Value | 199.61M |
| Book Value Per Share | 20.70 |
| Working Capital | n/a |
Cash Flow
In the last 12 months, operating cash flow was $22.07 million and capital expenditures -$221,000, giving a free cash flow of $21.85 million.
| Operating Cash Flow | 22.07M |
| Capital Expenditures | -221,000 |
| Free Cash Flow | 21.85M |
| FCF Per Share | $2.27 |
Margins
Gross margin is 100.00%, with operating and profit margins of 33.41% and 26.20%.
| Gross Margin | 100.00% |
| Operating Margin | 33.41% |
| Pretax Margin | 33.41% |
| Profit Margin | 26.20% |
| EBITDA Margin | 35.89% |
| EBIT Margin | 33.41% |
| FCF Margin | 22.92% |
Dividends & Yields
This stock pays an annual dividend of $0.68, which amounts to a dividend yield of 3.16%.
| Dividend Per Share | $0.68 |
| Dividend Yield | 3.16% |
| Dividend Growth (YoY) | 9.68% |
| Years of Dividend Growth | 2 |
| Payout Ratio | 26.25% |
| Buyback Yield | -0.59% |
| Shareholder Yield | 2.59% |
| Earnings Yield | 12.12% |
| FCF Yield | 10.60% |
Analyst Forecast
The average price target for CVLY is $22.00, which is 2.37% higher than the current price. The consensus rating is "Buy".
| Price Target | $22.00 |
| Price Target Difference | 2.37% |
| Analyst Consensus | Buy |
| Analyst Count | 1 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock Splits
The last stock split was on October 21, 2019. It was a forward split with a ratio of 105:100.
| Last Split Date | Oct 21, 2019 |
| Split Type | Forward |
| Split Ratio | 105:100 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |