CVLY - Codorus Valley Bancorp Inc Stock Price, Fair Value and News

22.24USD-0.13 (-0.58%)Delayed as of 30 Apr 2024, 01:58 pm ET

Market Summary

USD22.24-0.13

Delayedas of 30 Apr 2024, 01:58 pm

-0.58%

CVLY Stock Price

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CVLY RSI Chart

CVLY Valuation

Market Cap

215.7M

Price/Earnings (Trailing)

8.64

Price/Sales (Trailing)

1.9

EV/EBITDA

1.98

Price/Free Cashflow

10.8

CVLY Price/Sales (Trailing)

CVLY Profitability

EBT Margin

28.11%

Return on Equity

12.51%

Return on Assets

1.14%

Free Cashflow Yield

9.26%

CVLY Fundamentals

CVLY Revenue

Revenue (TTM)

113.3M

Rev. Growth (Yr)

17.88%

Rev. Growth (Qtr)

2.99%

CVLY Earnings

Earnings (TTM)

25.0M

Earnings Growth (Yr)

-31.25%

Earnings Growth (Qtr)

-7.84%

Breaking Down CVLY Revenue

52 Week Range

16.0024.96

(Low)(High)

Last 7 days

0.3%

Last 30 days

-1.7%

Last 90 days

-9.7%

Trailing 12 Months

13.8%

How does CVLY drawdown profile look like?

CVLY Financial Health

Debt/Equity

0.21

Debt/Cashflow

0.52

CVLY Investor Care

Dividend Yield

2.95%

Dividend/Share (TTM)

0.66

Shares Dilution (1Y)

0.57%

Diluted EPS (TTM)

2.59

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2023	93.6M	102.4M	108.8M	113.3M
2022	70.6M	72.4M	76.8M	84.7M
2021	73.9M	72.6M	72.4M	71.7M
2020	84.6M	81.9M	78.9M	75.7M
2019	82.6M	84.3M	85.0M	85.3M
2018	72.5M	75.0M	77.8M	80.3M
2017	63.7M	65.7M	68.1M	70.4M
2016	57.3M	58.8M	60.4M	62.2M
2015	51.7M	53.1M	54.6M	56.0M
2014	48.0M	48.9M	49.8M	50.4M
2013	46.5M	46.3M	46.5M	47.0M
2012	45.9M	46.3M	46.2M	46.5M
2011	44.4M	44.7M	45.2M	45.4M
2010	0	41.5M	42.8M	44.0M
2009	0	0	0	40.3M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Codorus Valley Bancorp Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Mar 15, 2024	altland stephen m	sold (taxes)	-5,507	22.03	-250	-
Mar 15, 2024	campagna scott r	sold (taxes)	-5,595	22.03	-254	-
Mar 15, 2024	kauffman craig l	sold (taxes)	-21,765	22.03	-988	president & ceo
Mar 15, 2024	baker diane e	sold (taxes)	-7,049	22.03	-320	evp
Mar 15, 2024	ginder e dennis	sold (taxes)	-5,199	22.03	-236	-
Mar 15, 2024	clemens matthew a	sold (taxes)	-5,727	22.03	-260	-
Mar 15, 2024	clabaugh chad m	sold (taxes)	-5,837	22.03	-265	-
Mar 15, 2024	pickett larry d	sold (taxes)	-7,864	22.03	-357	treasurer
Mar 15, 2024	doll amy	sold (taxes)	-7,115	22.03	-323	-
Mar 12, 2024	giambalvo john w	acquired	29,990	22.6	1,327	-

Which funds bought or sold CVLY recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 26, 2024	SALZHAUER MICHAEL	unchanged	-	-87,029	673,742	0.52%
Apr 25, 2024	Bank of New York Mellon Corp	reduced	-14.77	-189,002	581,644	-%
Apr 23, 2024	AMALGAMATED BANK	reduced	-61.29	-15,000	7,000	-%
Apr 22, 2024	MetLife Investment Management, LLC	unchanged	-	36,563	133,100	-%
Apr 10, 2024	Johnson & White Wealth Management, LLC	added	2.44	-23,000	225,000	0.16%
Apr 05, 2024	CWM, LLC	new	-	-	-	-%
Mar 22, 2024	PNC FINANCIAL SERVICES GROUP, INC.	unchanged	-	7,766	28,270	-%
Mar 11, 2024	VANGUARD GROUP INC	added	1.27	3,807,120	13,416,100	-%
Mar 01, 2024	GOLDMAN SACHS GROUP INC	added	85.11	376,842	619,628	-%
Feb 28, 2024	AMERICAN INTERNATIONAL GROUP, INC.	reduced	-0.41	32,383	119,171	-%

Are Funds Buying or Selling CVLY?

Are funds buying CVLY calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own CVLY

No. of Funds

Unveiling Codorus Valley Bancorp Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	fourthstone llc	6.99%	690,849	SC 13G/A
Feb 13, 2024	vanguard group inc	5.42%	522,027	SC 13G
Feb 06, 2024	fj capital management llc	8.87%	855,131	SC 13G/A
Jan 29, 2024	blackrock inc.	5.8%	558,397	SC 13G
Jul 28, 2023	driver management co llc	-	58,519	SC 13D/A
Feb 14, 2023	fourthstone llc	7.26%	693,529	SC 13G/A
Feb 09, 2023	fmr llc	-	0	SC 13G/A
Dec 08, 2022	fj capital management llc	7.22%	689,644	SC 13G
Apr 14, 2022	driver management co llc	6.76%	640,880	SC 13D/A
Mar 10, 2022	driver management co llc	6.76%	640,880	SC 13D/A

Recent SEC filings of Codorus Valley Bancorp Inc

View All Filings

Date Filed	Form Type	Document
Apr 25, 2024	8-K	Current Report
Apr 10, 2024	8-K	Current Report
Mar 19, 2024	4	Insider Trading
Mar 19, 2024	4	Insider Trading
Mar 19, 2024	4	Insider Trading
Mar 19, 2024	4	Insider Trading
Mar 19, 2024	4	Insider Trading
Mar 19, 2024	4	Insider Trading
Mar 19, 2024	4	Insider Trading
Mar 19, 2024	4	Insider Trading

Peers (Alternatives to Codorus Valley Bancorp Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	556.7B	171.1B	-3.50%	39.81%	11.24	3.25	60.72%	31.52%
BAC	295.6B	130.3B	-0.98%	28.24%	11.15	2.27	79.51%	-3.68%
WFC	213.9B	85.7B	3.17%	50.44%	11.18	2.5	41.49%	39.96%
C	119.0B	133.3B	-1.55%	32.27%	12.9	0.89	79.09%	-
CFG	16.0B	10.2B	-3.61%	14.73%	9.98	1.57	44.53%	-22.43%
KEY	13.8B	7.9B	-6.83%	30.82%	14.22	1.74	46.47%	-49.56%
MID-CAP
CMA	6.9B	4.2B	-6.49%	18.56%	9.93	1.63	34.68%	-45.96%
ZION	6.1B	3.9B	-4.79%	48.31%	9	1.55	45.91%	-25.03%
ABCB	3.3B	1.3B	0.25%	44.78%	12.44	2.61	43.24%	-22.35%
ASB	3.3B	2.0B	0.37%	21.09%	17.83	1.67	70.97%	-50.03%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	395.5M	164.9M	-8.20%	39.26%	33.82	2.4	42.66%	-70.76%
AROW	377.4M	162.6M	-8.87%	5.60%	12.55	2.32	25.39%	-38.37%
ACNB	274.3M	96.6M	-14.23%	6.33%	8.66	2.84	11.02%	-11.37%
ASRV	42.0M	60.9M	-5.77%	-17.79%	-12.56	0.69	24.06%	-144.92%

Codorus Valley Bancorp Inc News

Latest updates

Codorus Valley Bancorp Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	3.0%	30.00	29.00	28.00	26.00	25.00	23.00	19.00	17.00	18.00	18.00	17.00	18.00	18.00	18.00	19.00	20.00	21.00	21.00	22.00	21.00	21.00
EBITDA Margin	-8.5%	1.00*	1.09*	1.19*	1.21*	1.22*	1.18*	1.15*	1.17*	1.16*	1.18*	1.14*	1.12*	-	-	-	-	-	-	-	-	-
Interest Expenses	-1.1%	19.00	19.00	20.00	21.00	21.00	20.00	18.00	16.00	16.00	16.00	15.00	15.00	15.00	15.00	15.00	15.00	16.00	16.00	16.00	16.00	16.00
Income Taxes	-4.4%	1.00	2.00	2.00	2.00	2.00	2.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	-0.97	1.00	1.00	1.00	1.00	1.00
Earnings Before Taxes	-7.1%	7.00	7.00	9.00	9.00	10.00	9.00	2.00	4.00	3.00	6.00	4.00	5.00	6.00	5.00	4.00	-3.96	6.00	7.00	6.00	5.00	5.00
EBT Margin	-12.9%	0.28*	0.32*	0.36*	0.33*	0.30*	0.25*	0.22*	0.25*	0.26*	0.29*	0.27*	0.26*	-	-	-	-	-	-	-	-	-
Net Income	-7.8%	5.00	6.00	7.00	7.00	8.00	7.00	2.00	3.00	3.00	5.00	3.00	4.00	5.00	4.00	3.00	-2.99	4.00	5.00	5.00	4.00	4.00
Net Income Margin	-12.7%	0.22*	0.25*	0.28*	0.26*	0.24*	0.19*	0.17*	0.20*	0.20*	0.23*	0.21*	0.21*	-	-	-	-	-	-	-	-	-
Free Cashflow	-34.7%	4.00	6.00	7.00	4.00	5.00	12.00	6.00	9.00	2.00	2.00	8.00	14.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	0.2%	2,195	2,191	2,216	2,199	2,195	2,258	2,289	2,360	2,419	2,330	2,236	2,279	2,162	2,109	2,071	1,922	1,887	1,869	1,842	1,825	1,807
Cash Equivalents	-34.3%	34.00	51.00	90.00	103	120	223	284	439	545	491	397	427	336	242	215	185	132	127	127	94.00	97.00
Net PPE	0.0%	20.00	20.00	20.00	21.00	21.00	21.00	22.00	22.00	22.00	22.00	22.00	25.00	25.00	26.00	26.00	27.00	26.00	27.00	27.00	27.00	25.00
Goodwill	0%	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00
Liabilities	-0.6%	1,995	2,007	2,030	2,014	2,018	2,090	2,113	2,176	2,223	2,131	2,037	2,080	1,964	1,915	1,879	1,732	1,695	1,680	1,655	1,642	1,629
Short Term Borrowings	44.6%	57.00	39.00	83.00	61.00	12.00	13.00	14.00	11.00	11.00	12.00	13.00	8.00	9.00	9.00	9.00	6.00	8.00	9.00	10.00	7.00	7.00
Long Term Debt	-	42.00	-	-	-	42.00	-	-	-	-	-	-	-	-	47.00	47.00	72.00	82.00	97.00	97.00	117	115
Shareholder's Equity	8.9%	200	183	186	185	177	168	175	184	196	199	199	199	198	194	192	190	191	189	188	183	179
Retained Earnings	5.9%	69.00	65.00	61.00	55.00	52.00	46.00	40.00	39.00	38.00	37.00	33.00	31.00	28.00	25.00	22.00	20.00	25.00	22.00	29.00	25.00	23.00
Additional Paid-In Capital	0.1%	143	143	142	142	142	142	142	141	142	142	142	142	141	141	141	141	140	144	135	135	135
Shares Outstanding	0.2%	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	9.00	10.00	10.00	10.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	182	-	-	-	208	-	-	-	188	-	-	-	130	-	-	-	209	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	-30.2%	4,347	6,226	6,796	4,702	6,098	12,513	6,370	8,977	2,817	2,455	7,789	14,772	3,922	3,644	-2,203	6,551	3,696	4,625	3,057	5,258	3,511
Share Based Compensation	0%	265	265	276	454	242	240	208	289	217	173	294	101	125	140	130	120	271	142	118	135	240
Cashflow From Investing	77.5%	-5,073	-22,543	-34,419	-16,327	-35,067	-45,812	-97,690	-66,038	-36,912	3,669	-5,877	-22,264	43,632	-14,668	-112,982	11,563	-11,593	-25,377	18,018	-13,795	5,639
Cashflow From Financing	23.2%	-16,890	-21,992	13,974	-5,549	-73,388	-27,874	-63,926	-49,218	88,172	88,261	-31,784	98,603	46,730	37,172	145,288	35,553	12,142	21,518	11,220	6,040	2,284
Dividend Payments	0.2%	1,636	1,633	1,535	1,533	1,433	1,432	1,428	1,421	1,440	1,268	1,284	1,278	978	980	1,562	1,561	1,484	1,508	1,513	1,512	1,388
Buy Backs	-	-	-	-	-	-	-	-	34.00	3,689	3,517	2,672	-	-	-	-2.00	89.00	1,463	2,800	762	-	-

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CVLY Income Statement

2023-12-31

Consolidated Statements of Income - USD ($)
$ in Thousands

12 Months Ended

Dec. 31, 2023

Dec. 31, 2022

Interest income

Loans, including fees

$ 100,804

$ 73,139

Investment securities:

Taxable

10,292

7,455

Tax-exempt

414

427

Dividends

Other

1,766

3,588

Total interest income

113,298

84,653

Interest expense

Deposits

30,754

7,261

Federal funds purchased and other short-term borrowings

1,237

Long-term debt and junior subordinated debt

839

616

Subordinated notes

1,476

Total interest expense

34,306

9,401

Net interest income

78,992

75,252

(Recovery of) provision for credit losses - loans

^[1]

(244)

2,890

Provision for credit losses - unfunded commitments

^[1]

389

Net interest income after provision for credit losses

78,847

72,362

Noninterest income

Trust and investment services fees

5,031

4,549

Income from mutual fund, annuity and insurance sales

1,306

1,247

Service charges on deposit accounts

6,153

5,503

Income from bank owned life insurance

1,452

1,256

Other income

2,771

1,880

Gain on sales of loans held for sale

625

Gain (loss) on sale of assets held for sale

(87)

Loss on sales of securities

(388)

(119)

Total noninterest income

16,464

14,854

Noninterest expense

Personnel

37,974

35,061

Occupancy of premises, net

3,637

3,848

Furniture and equipment

3,438

3,402

Professional and legal

1,839

2,626

Marketing

1,314

1,932

FDIC insurance

983

765

Debit card processing

1,976

1,703

Charitable donations

1,637

1,571

External data processing

4,042

3,884

Settlement expenses

1,000

Merger related expenses

956

(Recovery of) impaired loan carrying costs

(348)

546

Other

6,020

5,230

Total noninterest expense

63,468

61,568

Income before income taxes

31,843

25,648

Provision for income taxes

6,870

5,556

Net income

$ 24,973

$ 20,092

Net income per share, basic

$ 2.60

$ 2.11

Net income per share, diluted

$ 2.59

$ 2.10

[1]	Results of reporting periods beginning after January 1, 2023 are presented under ASC 326 while prior period amounts continue to be reported in accordance with previously applicable GAAP.

CVLY Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($)
$ in Thousands

Dec. 31, 2023

Dec. 31, 2022

Assets

Interest bearing deposits with banks

$ 10,882

$ 99,777

Cash and due from banks

22,809

20,662

Total cash and cash equivalents

33,691

120,439

Securities, available-for-sale, at fair value (amortized cost $390,397 at December 31, 2023 and $390,922 at December 31, 2022, respectively)

349,767

345,457

Restricted investment in bank stocks, at cost

3,146

955

Loans held for sale

822

154

Loans (net of deferred fees of $3,752 - 2023 and $3,813 - 2022)

1,705,608

1,632,857

Less-allowance for credit losses

^[1]

(20,506)

(20,736)

Net loans

1,685,102

1,612,121

Premises and equipment, net

19,563

21,136

Operating leases right-of-use assets

2,746

3,072

Goodwill

2,301

Other assets

97,660

89,417

Total assets

2,194,798

2,195,052

Deposits

Noninterest bearing

379,288

463,853

Interest bearing

1,494,054

1,479,366

Total deposits

1,873,342

1,943,219

Short-term borrowings

56,541

11,605

Long-term debt and junior subordinated debt

11,520

11,550

Subordinated notes - face amount $31,000 (less discount and debt issuance cost of $155 at December 31, 2023 and $236 at December 31, 2022)

30,845

30,764

Operating leases liabilities

2,848

3,204

Allowance for credit losses on off-balance sheet credit exposures

2,278

Other liabilities

17,819

17,410

Total liabilities

1,995,193

2,017,752

Shareholders' equity

Preferred stock, par value $2.50 per share; 1,000,000 shares authorized; shares issued and outstanding: 0 at December 31, 2023 and 0 at December 31, 2022

Common stock, par value $2.50 per share; 30,000,000 shares authorized; shares issued: 9,883,660 at December 31, 2023 and December 31, 2022; and shares outstanding: 9,642,851 at December 31, 2023 and 9,581,230 at December 31, 2022

24,709

Additional paid-in capital

142,633

141,896

Retained earnings

68,633

52,146

Accumulated other comprehensive loss

(31,082)

(34,764)

Treasury stock shares outstanding, at cost: 240,809 shares at December 31, 2023 and 302,430 at December 31, 2022

(5,288)

(6,687)

Total shareholders' equity

199,605

177,300

Total liabilities and shareholders' equity

$ 2,194,798

$ 2,195,052

[1]	Results of reporting periods beginning after January 1, 2023 are presented under ASC 326 while prior period amounts continue to be reported in accordance with previously applicable GAAP.

About Codorus Valley Bancorp Inc

Codorus Valley Bancorp, Inc. operates as the bank holding company for the PeoplesBank that provides community banking services in South Central Pennsylvania and Central Maryland. 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; and consumer loans, including residential mortgage, home equity, and others. In addition, the company provides mortgage and wealth management services; and sells non-deposit investment products. The company was founded in 1864 and is headquartered in York, Pennsylvania.

CEO	Mr. Craig L. Kauffman
WEBSITE	peoplesbanknet.com
INDUSTRY	Banks Diversified
EMPLOYEES	315

Codorus Valley Bancorp Inc Frequently Asked Questions

What is the ticker symbol for Codorus Valley Bancorp Inc? What does CVLY stand for in stocks?

CVLY is the stock ticker symbol of Codorus Valley Bancorp Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Codorus Valley Bancorp Inc (CVLY)?

As of Mon Apr 29 2024, market cap of Codorus Valley Bancorp Inc is 215.71 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of CVLY stock?

You can check CVLY's fair value in chart for subscribers.

What is the fair value of CVLY stock?

You can check CVLY's fair value in chart for subscribers. The fair value of Codorus Valley Bancorp Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Codorus Valley Bancorp Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for CVLY so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Codorus Valley Bancorp Inc a good stock to buy?

The fair value guage provides a quick view whether CVLY is over valued or under valued. Whether Codorus Valley Bancorp Inc is cheap or expensive depends on the assumptions which impact Codorus Valley Bancorp Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for CVLY.

What is Codorus Valley Bancorp Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Mon Apr 29 2024, CVLY's PE ratio (Price to Earnings) is 8.64 and Price to Sales (PS) ratio is 1.9. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. CVLY PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Codorus Valley Bancorp Inc's stock?

In the past 10 years, Codorus Valley Bancorp Inc has provided 0.026 (multiply by 100 for percentage) rate of return.