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Codorus Valley Bancorp, Inc. (CVLY)
Key financial summary
Financials in USD| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 61 | 56 | 61 | 69 | -8 | 127 | 74 |
| Operating profit | $m | 35 | 52 | |||||
| Net profit | $m | 20 | 19 | 8 | 15 | 20 | 25 | 22 |
| EPS reported | $ | 2.59 | 2.31 | |||||
| Operating cashflow per share | $ | 2.36 | 2.36 | |||||
| Capex per share | $ | 0.74 | 0.74 | |||||
| FCF per share | $ | 1.62 | 1.62 | |||||
| Free cash flow | $m | 16 | 16 | |||||
| Net debt | $m | 113 | 45 | |||||
| Book value equity | $m | 200 | 201 | |||||
| Book value per share | $ | 20.74 | 20.79 | |||||
| Number of shares | m | 9.63 | 9.67 | |||||
| DPS (TTM paid) | $ | 0.66 | 0.68 |
Financial summary
Financials in USD| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 9.92 | - | |||||
| P/B LTM | x | 1.24 | 1.16 | |||||
| P/S LTM | x | 1.94 | 3.14 | |||||
| P/FCF LTM | x | 15.87 | 14.08 | |||||
| EV/EBITDA LTM | x | 4.38 | 7.53 | |||||
| EV/Sales LTM | x | 2.43 | 3.75 | |||||
| Earnings Yield LTM | % | 10.08% | 10.81% | |||||
| FCF Yield | % | 6.30% | 7.10% | |||||
| Quality | ||||||||
| ROE | % | 12.51% | 13.25% | |||||
| ROIC | % | 3.07% | 3.07% | |||||
| Operating margin | % | 27.31% | 27.31% | |||||
| Gross margin | % | 100.05% | 100.05% | |||||
| FCF/Sales | % | 12.00% | 12.00% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +23.33% | -7.97% | |||||
| Sales Growth YoY | % | - | +528.29% | |||||
| Net Income Growth YoY | % | +24.29% | -7.47% | |||||
| FCF Growth | % | -51.55% | -40.11% | |||||
| Operating Profit Growth | % | +1.06% | +17.60% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 2.57% | 2.83% | |||||
| Dividend Growth | % | +10.00% | - | |||||
| Payout Ratio | % | 25.38% | 28.94% | |||||
| FCF/Debt | x | 0.15 | 0.22 | |||||
| Net Debt/EBITDA | x | 0.95 | 0.95 | |||||
| EBIT/Net interest | x | 15.30 | 15.30 | |||||
| Net debt/market cap | % | 45.62% | 19.55% | |||||
| Net debt/Equity | x | 0.56 | 0.23 | |||||
| Gross debt/equity | x | 0.51 | 0.38 | |||||
Company overview
Codorus Valley Bancorp, Inc., established in 1864 and headquartered in York, Pennsylvania, acts as the holding company for PeoplesBank. This institution delivers comprehensive community banking services. Its deposit offerings include checking, savings, money market, and time accounts, along with certificates of deposit. For borrowers, the company provides commercial loans tailored for sectors like real estate development and investment (both commercial and residential), hospitality, retail, agriculture, and manufacturing. Consumer lending options feature residential mortgages and home equity solutions. Beyond traditional banking, it also offers specialized mortgage and wealth management services, and distributes non-deposit investment products. The company serves its customer base through a network of twenty-five full-service branches located throughout South Central Pennsylvania and Central Maryland.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Codorus Valley Bancorp, Inc. (CVLY)
Codorus Valley Bancorp, Inc., established in 1864 and headquartered in York, Pennsylvania, acts as the holding company for PeoplesBank. This institution delivers comprehensive community banking services. Its deposit offerings include checking, savings, money market, and time accounts, along with certificates of deposit. For borrowers, the company provides commercial loans tailored for sectors like real estate development and investment (both commercial and residential), hospitality, retail, agriculture, and manufacturing. Consumer lending options feature residential mortgages and home equity solutions. Beyond traditional banking, it also offers specialized mortgage and wealth management services, and distributes non-deposit investment products. The company serves its customer base through a network of twenty-five full-service branches located throughout South Central Pennsylvania and Central Maryland.
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