Financials Codorus Valley Bancorp, Inc.

Equities

CVLY

US1920251048

Banks

Market Closed - Nasdaq 04:00:00 2024-04-26 pm EDT 5-day change 1st Jan Change
22.47 USD +0.27% Intraday chart for Codorus Valley Bancorp, Inc. +0.58% -12.57%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 199.8 224 166.1 205.2 227.4 247.6
Enterprise Value (EV) 1 225.5 185.2 -81.34 -275.4 164.1 315.6
P/E ratio 10.3 x 12.3 x 19.7 x 14.3 x 11.3 x 9.92 x
Yield 2.79% 2.64% 3.07% 2.23% 2.52% 2.57%
Capitalization / Revenue 2.68 x 2.97 x 2.69 x 2.74 x 2.61 x 2.6 x
EV / Revenue 3.02 x 2.46 x -1.32 x -3.68 x 1.88 x 3.31 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 1.12 x 1.18 x 0.84 x 1.04 x 1.29 x 1.24 x
Nbr of stocks (in thousands) 9,875 9,726 9,795 9,535 9,555 9,634
Reference price 2 20.24 23.03 16.96 21.52 23.80 25.70
Announcement Date 3/15/19 3/11/20 3/9/21 3/8/22 3/14/23 3/12/24
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 74.53 75.4 61.68 74.8 87.22 95.31
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 24.72 23.67 10.47 18.59 25.65 31.84
Net income 1 19.54 18.65 8.442 14.66 20.09 24.97
Net margin 26.22% 24.73% 13.69% 19.6% 23.04% 26.2%
EPS 2 1.962 1.880 0.8600 1.500 2.100 2.590
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.5638 0.6080 0.5200 0.4800 0.6000 0.6600
Announcement Date 3/15/19 3/11/20 3/9/21 3/8/22 3/14/23 3/12/24
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2023 Q2 2023 Q3 2023 Q4 2024 Q1
Net sales 1 23.95 23.56 23.47 21.82
EBITDA - - - -
EBIT - - - -
Operating Margin - - - -
Earnings before Tax (EBT) 1 8.551 7.418 6.888 5.441
Net income 1 6.611 5.917 5.453 4.255
Net margin 27.6% 25.11% 23.23% 19.5%
EPS 2 0.6900 0.6100 0.5700 0.4400
Dividend per Share 0.1600 0.1700 0.1700 -
Announcement Date 7/27/23 10/26/23 1/25/24 4/25/24
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 25.6 - - - - 68.1
Net Cash position 1 - 38.8 247 481 63.3 -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 11.4% 10.1% 4.34% 7.45% 10.8% 13.3%
ROA (Net income/ Total Assets) 1.11% 1.01% 0.42% 0.64% 0.87% 1.14%
Assets 1 1,758 1,847 2,024 2,290 2,307 2,195
Book Value Per Share 2 18.00 19.60 20.20 20.60 18.50 20.70
Cash Flow per Share 2 9.750 13.50 34.20 57.60 12.60 3.430
Capex 1 2.75 3.1 2.26 2.03 1.84 2.1
Capex / Sales 3.69% 4.12% 3.66% 2.72% 2.11% 2.2%
Announcement Date 3/15/19 3/11/20 3/9/21 3/8/22 3/14/23 3/12/24
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
1
Last Close Price
22.47
Average target price
-
Consensus
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