NASDAQ: CVLYCodorus Valley Bancorp Inc Stock
$22.34+0.99 (+4.64%)
Updated Apr 19, 2024
CVLY Price
$22.34
Fair Value Price
$40.13
Market Cap
$215.42M
52 Week Low
$16.00
52 Week High
$25.88
P/E
8.59x
P/B
1.08x
P/S
2.59x
PEG
2.1x
Dividend Yield
3%
Revenue
$95.31M
Earnings
$24.97M
Gross Margin
100%
Operating Margin
33.41%
Profit Margin
26.2%
Debt to Equity
10
Operating Cash Flow
$22M
Beta
0.79
Next Earnings
Apr 25, 2024
Ex-Dividend
May 6, 2024
Next Dividend
May 14, 2024
CVLY Overview
Codorus Valley Bancorp, Inc. operates as the bank holding company for the PeoplesBank that provides community banking services. The company accepts demand, money market, time, and savings deposits, as well as certificates of deposit. It also offers commercial loans, such as builder and developer, commercial and residential real estate investor, hotel/motel, wholesale and retail, agriculture, manufacturing, and other loans; consume loans, including residential mortgage, home equity, and others. In addition, the company provides mortgage and wealth management services; and sells non-deposit investment products. It operates through twenty-five full service financial centers located in South Central Pennsylvania and Central Maryland. The company was founded in 1864 and is headquartered in York, Pennsylvania.
Zen Score
–
Industry Average (33)
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Due Diligence Checks
CVLY ($22.34) is undervalued by 44.33% relative to our estimate of its Fair Value price of $40.13 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
CVLY ($22.34) is significantly undervalued by 44.33% relative to our estimate of its Fair Value price of $40.13 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
CVLY ($22.34) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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CVLY News
Valuation
CVLY fair value
Fair Value of CVLY stock based on Discounted Cash Flow (DCF)
Price
$22.34
Fair Value
$40.13
Undervalued by
44.33%
CVLY ($22.34) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
CVLY ($22.34) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
CVLY ($22.34) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
CVLY price to earnings (PE)
For valuing profitable companies with steady earnings
Company
8.59x
Industry
-10.33x
Market
40.51x
CVLY is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
CVLY is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
CVLY price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.08x
Industry
0.97x
CVLY is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
CVLY price to earnings growth (PEG)
For valuing profitable companies with growth potential
CVLY is poor value relative... subscribe to Premium to read more.
PEG Value Valuation
CVLY's financial health
Profit margin
Revenue
$24.2M
Net Income
$5.5M
Profit Margin
22.6%
CVLY's Earnings (EBIT) of $31.84M... subscribe to Premium to read more.
Interest Coverage Financials
CVLY's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$2.2B
Liabilities
$2.0B
Debt to equity
10
CVLY's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
CVLY's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$4.3M
Investing
-$5.1M
Financing
-$16.9M
CVLY's operating cash flow ($22.07M)... subscribe to Premium to read more.
Debt Coverage Financials
CVLY vs Bank Stocks
Codorus Valley Bancorp Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.