Codorus Valley Bancorp Statistics
Total Valuation
CVLY has a market cap or net worth of $242.14 million. The enterprise value is $290.53 million.
| Market Cap | 242.14M |
| Enterprise Value | 290.53M |
Important Dates
The last earnings date was Thursday, April 25, 2024, after market close.
| Earnings Date | Apr 25, 2024 |
| Ex-Dividend Date | May 6, 2024 |
Share Statistics
CVLY has 10.70 million shares outstanding. The number of shares has increased by 0.57% in one year.
| Shares Outstanding | 10.70M |
| Shares Change (YoY) | +0.57% |
| Shares Change (QoQ) | +0.33% |
| Owned by Insiders (%) | 3.71% |
| Owned by Institutions (%) | 54.33% |
| Float | 7.56M |
Valuation Ratios
The trailing PE ratio is 9.81 and the forward PE ratio is 12.71.
| PE Ratio | 9.81 |
| Forward PE | 12.71 |
| PS Ratio | 2.59 |
| Forward PS | 2.49 |
| PB Ratio | 1.20 |
| P/FCF Ratio | 10.70 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 9.48, with an EV/FCF ratio of 12.86.
| EV / Earnings | 13.07 |
| EV / Sales | 3.12 |
| EV / EBITDA | 9.48 |
| EV / EBIT | 10.27 |
| EV / FCF | 12.86 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.38 |
| Debt / EBITDA | 2.46 |
| Debt / FCF | 3.34 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 11.60% and return on invested capital (ROIC) is 8.05%.
| Return on Equity (ROE) | 11.60% |
| Return on Assets (ROA) | 1.00% |
| Return on Capital (ROIC) | 8.05% |
| Revenue Per Employee | $294,057 |
| Profits Per Employee | $70,145 |
| Employee Count | 317 |
| Asset Turnover | 0.04 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CVLY has paid $6.06 million in taxes.
| Income Tax | 6.06M |
| Effective Tax Rate | 21.42% |
Stock Price Statistics
The stock price has increased by +31.25% 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 | +31.25% |
| 50-Day Moving Average | 22.21 |
| 200-Day Moving Average | 21.71 |
| Relative Strength Index (RSI) | 55.30 |
| Average Volume (30 Days) | 24,766 |
Short Selling Information
The latest short interest is 26,527, so 0.25% of the outstanding shares have been sold short.
| Short Interest | 26,527 |
| Short Previous Month | 25,262 |
| Short % of Shares Out | 0.25% |
| Short % of Float | 0.35% |
| Short Ratio (days to cover) | 1.20 |
Income Statement
In the last 12 months, CVLY had revenue of $93.22 million and earned $22.24 million in profits. Earnings per share was $2.30.
| Revenue | 93.22M |
| Gross Profit | 93.22M |
| Operating Income | 28.30M |
| Pretax Income | 28.30M |
| Net Income | 22.24M |
| EBITDA | 30.66M |
| EBIT | 28.30M |
| Earnings Per Share (EPS) | $2.30 |
Balance Sheet
The company has $26.66 million in cash and $75.38 million in debt, giving a net cash position of -$48.72 million or -$4.55 per share.
| Cash & Cash Equivalents | 26.66M |
| Total Debt | 75.38M |
| Net Cash | -48.72M |
| Net Cash Per Share | -$4.55 |
| Equity / Book Value | 200.99M |
| Book Value Per Share | 18.78 |
| Working Capital | n/a |
Cash Flow
In the last 12 months, operating cash flow was $22.87 million and capital expenditures -$276,000, giving a free cash flow of $22.60 million.
| Operating Cash Flow | 22.87M |
| Capital Expenditures | -276,000 |
| Free Cash Flow | 22.60M |
| FCF Per Share | $2.34 |
Margins
Gross margin is 100.00%, with operating and profit margins of 30.36% and 23.85%.
| Gross Margin | 100.00% |
| Operating Margin | 30.36% |
| Pretax Margin | 30.36% |
| Profit Margin | 23.85% |
| EBITDA Margin | 32.89% |
| EBIT Margin | 30.36% |
| FCF Margin | 24.24% |
Dividends & Yields
This stock pays an annual dividend of $0.68, which amounts to a dividend yield of 3.01%.
| Dividend Per Share | $0.68 |
| Dividend Yield | 3.01% |
| Dividend Growth (YoY) | 9.68% |
| Years of Dividend Growth | 2 |
| Payout Ratio | 29.57% |
| Buyback Yield | -0.57% |
| Shareholder Yield | 2.44% |
| Earnings Yield | 9.20% |
| FCF Yield | 9.34% |
Analyst Forecast
The average price target for CVLY is $22.00, which is -2.74% lower than the current price. The consensus rating is "Buy".
| Price Target | $22.00 |
| Price Target Difference | -2.74% |
| 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 | 5 |