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

22.44USD+0.04 (+0.18%)Delayed

Market Summary

USD22.44+0.04

Delayed

0.18%

CVLY Stock Price

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CVLY RSI Chart

CVLY Valuation

Market Cap

216.8M

Price/Earnings (Trailing)

9.75

Price/Sales (Trailing)

1.86

EV/EBITDA

2.18

Price/Free Cashflow

10.13

CVLY Price/Sales (Trailing)

CVLY Profitability

EBT Margin

24.22%

Return on Equity

11.06%

Return on Assets

1.01%

Free Cashflow Yield

9.87%

CVLY Fundamentals

CVLY Revenue

Revenue (TTM)

116.8M

Rev. Growth (Yr)

13.51%

Rev. Growth (Qtr)

-0.33%

CVLY Earnings

Earnings (TTM)

22.2M

Earnings Growth (Yr)

-39.14%

Earnings Growth (Qtr)

-21.97%

Breaking Down CVLY Revenue

Last 7 days

-0.3%

Last 30 days

5.0%

Last 90 days

-4.3%

Trailing 12 Months

30.1%

How does CVLY drawdown profile look like?

CVLY Financial Health

Debt/Equity

0.21

Debt/Cashflow

0.54

CVLY Investor Care

Dividend Yield

2.99%

Dividend/Share (TTM)

0.67

Shares Dilution (1Y)

0.71%

Diluted EPS (TTM)

2.3

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	116.8M	0	0	0
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?

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Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	reduced	-38.93	-18,126	21,349	-%
May 15, 2024	GOLDMAN SACHS GROUP INC	reduced	-22.16	-96,234	213,580	-%
May 15, 2024	Royal Bank of Canada	reduced	-46.26	-101,000	91,000	-%
May 15, 2024	CSS LLC/IL	new	-	551,361	551,361	0.03%
May 15, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	added	1.98	-357,945	3,338,460	0.07%
May 15, 2024	Tower Research Capital LLC (TRC)	reduced	-42.1	-7,763	8,171	-%
May 15, 2024	PenderFund Capital Management Ltd.	new	-	465,526	465,526	0.12%
May 15, 2024	BARCLAYS PLC	reduced	-40.87	-190,000	208,000	-%
May 15, 2024	BANK OF AMERICA CORP /DE/	reduced	-34.07	-197,754	277,491	-%
May 15, 2024	MORGAN STANLEY	reduced	-28.48	-329,908	569,910	-%

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
May 06, 2024	10-Q	Quarterly Report
Apr 30, 2024	DEFM14A	DEFM14A
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

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	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

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	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	-0.3%	30.00	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
EBITDA Margin	-8.6%	0.91*	1.00*	1.09*	1.19*	1.21*	1.22*	1.18*	1.15*	1.17*	1.16*	1.18*	1.14*	-	-	-	-	-	-	-	-	-
Interest Expenses	-8.0%	18.00	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
Income Taxes	-17.4%	1.00	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
Earnings Before Taxes	-21.0%	5.00	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
EBT Margin	-13.8%	0.24*	0.28*	0.32*	0.36*	0.33*	0.30*	0.25*	0.22*	0.25*	0.26*	0.29*	0.27*	-	-	-	-	-	-	-	-	-
Net Income	-22.0%	4.00	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
Net Income Margin	-13.7%	0.19*	0.22*	0.25*	0.28*	0.26*	0.24*	0.19*	0.17*	0.20*	0.20*	0.23*	0.21*	-	-	-	-	-	-	-	-	-
Free Cashflow	43.4%	5.00	4.00	6.00	7.00	4.00	5.00	12.00	6.00	9.00	2.00	2.00	8.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	0.6%	2,209	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
Cash Equivalents	-20.9%	27.00	34.00	51.00	90.00	103	120	223	284	439	545	491	397	427	336	242	215	185	132	127	127	94.00
Net PPE	-2.4%	19.00	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
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%	2,008	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
Short Term Borrowings	-46.4%	30.00	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
Long Term Debt	0.0%	42.00	42.00	-	-	-	42.00	-	-	-	-	-	-	-	-	47.00	47.00	72.00	82.00	97.00	97.00	117
Shareholder's Equity	0.7%	201	200	183	186	185	177	168	175	184	196	199	199	199	198	194	192	190	191	189	188	183
Retained Earnings	3.8%	71.00	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
Additional Paid-In Capital	0.1%	143	143	143	142	142	142	142	142	141	142	142	142	142	141	141	141	141	140	144	135	135
Shares Outstanding	0.2%	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	9.00	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	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	26.6%	5,504	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
Share Based Compensation	147.2%	655	265	265	276	454	242	240	208	289	217	173	294	101	125	140	130	120	271	142	118	135
Cashflow From Investing	-419.0%	-26,327	-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
Cashflow From Financing	181.7%	13,794	-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
Dividend Payments	-100.0%	-	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
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

2024-03-31

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Mar. 31, 2024	Mar. 31, 2023
Interest income
Loans, including fees	$ 26,855	$ 23,034
Investment securities:
Taxable	2,651	2,457
Tax-exempt	109	101
Dividends	74	17
Other	155	684
Total interest income	29,844	26,293
Interest expense
Deposits	10,738	5,137
Federal funds purchased and other short-term borrowings	878	38
Long-term debt and junior subordinated debt	217	194
Subordinated notes	369	369
Total interest expense	12,202	5,738
Net interest income	17,642	20,555
Provision for credit losses on loans	891	492
(Recovery of) provision for credit losses - unfunded commitments	(775)	246
Net interest income after provision for credit losses	17,526	19,817
Noninterest income
Trust and investment services fees	1,421	1,202
Income from mutual fund, annuity and insurance sales	314	369
Service charges on deposit accounts	1,455	1,485
Income from bank owned life insurance	414	322
Other income	467	862
Gain on sales of loans held for sale	105	10
Gain on sales of assets held for sale	0	118
Loss on sales of securities	0	(388)
Total noninterest income	4,176	3,980
Noninterest expense
Personnel	9,879	9,042
Occupancy of premises, net	894	978
Furniture and equipment	828	838
Professional and legal	283	467
Marketing	312	276
FDIC insurance	246	250
Debit card processing	470	478
External data processing	1,111	1,010
Merger related expenses	118	0
Committee & director fees	320	358
PA shares tax	363	343
Impaired (recovery of) loan carrying costs	74	(98)
Other	1,363	869
Total noninterest expense	16,261	14,811
Income before income taxes	5,441	8,986
Provision for income taxes	1,186	1,994
Net income	$ 4,255	$ 6,992
Net income per share, basic	$ 0.44	$ 0.73
Net income per share, diluted	$ 0.44	$ 0.73

CVLY Balance Sheet

2024-03-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets
Interest bearing deposits with banks	$ 11,128	$ 10,882
Cash and due from banks	15,534	22,809
Total cash and cash equivalents	26,662	33,691
Securities, available-for-sale, at fair value (amortized cost $382,516 at March 31, 2024 and $390,397 at December 31, 2023, respectively)	339,495	349,767
Restricted investment in bank stocks, at cost	3,186	3,146
Loans held for sale	958	822
Loans (net of deferred fees of $3,636 - 2024 and $3,752 - 2023)	1,739,269	1,705,608
Less-allowance for credit losses	(21,645)	(20,506)
Net loans	1,717,624	1,685,102
Premises and equipment, net	19,090	19,563
Operating leases right-of-use assets	2,591	2,746
Goodwill	2,301	2,301
Other assets	96,686	97,660
Total assets	2,208,593	2,194,798
Deposits
Noninterest bearing	365,358	379,288
Interest bearing	1,549,705	1,494,054
Total deposits	1,915,063	1,873,342
Short-term borrowings	30,314	56,541
Long-term debt and junior subordinated debt	11,513	11,520
Subordinated notes - face amount $31,000 (less discount and debt issuance cost of $135 at March 31, 2024 and $155 at December 31, 2023)	30,865	30,845
Operating leases liabilities	2,687	2,848
Allowance for credit losses on off-balance sheet credit exposures	1,503	2,278
Other liabilities	15,654	17,819
Total liabilities	2,007,599	1,995,193
Shareholders' equity
Preferred stock, par value $2.50 per share; 1,000,000 shares authorized; shares issued and outstanding: 0 at March 31,2024 and 0 at December 31, 2023	0	0
Common stock, par value $2.50 per share; 30,000,000 shares authorized; shares issued: 9,883,660 at March 31, 2024 and December 31, 2023; and shares outstanding: 9,662,378 at March 31, 2024 and 9,642,851 at December 31, 2023	24,709	24,709
Additional paid-in capital	142,816	142,633
Retained earnings	71,249	68,633
Accumulated other comprehensive loss	(32,911)	(31,082)
Treasury stock shares outstanding, at cost: 221,282 shares at March 31, 2024 and 240,809 at December 31, 2023	(4,869)	(5,288)
Total shareholders' equity	200,994	199,605
Total liabilities and shareholders' equity	$ 2,208,593	$ 2,194,798

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 Fri May 17 2024, market cap of Codorus Valley Bancorp Inc is 216.82 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 Fri May 17 2024, CVLY's PE ratio (Price to Earnings) is 9.75 and Price to Sales (PS) ratio is 1.86. 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 0.035 (multiply by 100 for percentage) rate of return.