Codorus Valley Bancorp, Inc.: Leads amongst peers with strong fundamentals

Codorus Valley Bancorp, Inc. relative valuation is NEUTRAL and it has a fundamental analysis score of 61.

Our analysis is based on comparing Codorus Valley Bancorp, Inc. with the following peers – Citizens & Northern Corporation, Royal Bancshares of Pennsylvania, Inc. Class A, Orrstown Financial Services, Inc., Norwood Financial Corp., F.N.B. Corporation, Emclaire Financial Corp., Commercial National Financial Corporation, Fulton Financial Corporation, S&T Bancorp, Inc. and CNB Financial Corporation (CZNC-US, RBPAA-US, ORRF-US, NWFL-US, FNB-US, EMCF-US, CNAF-US, FULT-US, STBA-US and CCNE-US).

Codorus Valley Bancorp, Inc. has shown good performance overall, both over the last one year (at 34.93%) as well as over the last month (at 33.73%). Share price performance over the last month, though has been lower than that over the last year. But Codorus Valley Bancorp, Inc.’s stock has done better than its overall peer group whose performance was 18.23% over the last month.

Company Snapshot

  • Considering peers, relative outperformance over the last year and the last month suggest a leading position.
  • Codorus Valley Bancorp, Inc.’s current Price/Book of 1.46 is about median in its peer group.
  • The market expects CVLY-US to grow at about the same rate as the peers and to maintain the median returns it currently generates.
  • CVLY-US‘s median net profit margins and relatively high capital efficiency give it some operating leverage.
  • Changes in annual revenues (relative to peers) are better than the change in its earnings (relative to peers), implying the company is focused more on revenues.
  • CVLY-US‘s return on equity currently and over the past five years is around the peer median and suggest that it does not have any particular operational advantages versus peers.
  • The company’s lending operations do not seem to benefit from any differentiating pricing advantage or an operating cost advantage relative to peers.
  • While CVLY-US‘s revenues in recent years have grown faster than the peer median, the market gives the stock a P/E ratio that is around peer median suggesting that the market has some questions about the company’s long-term strategy.
  • The company is likely overinvesting in a business with only median returns.
  • Our analysis rates Codorus Valley Bancorp, Inc. as NEUTRAL relative to its peers.

Share Price Performance

Considering peers, relative outperformance over the last year and the last month suggest a leading position.

CVLY-US‘s share price performance of 34.93% over the last 12 months is above peer median of 18.23%. The 30-day trend in its share price performance of 33.73% is also above the peer median of 18.23% suggesting that this company is a leading performer relative to its peers.

Share Price Performance

Quadrant label definitions. Hover to know more

Leading, Fading, Lagging, Rising

Relative Valuation

Relative Valuation
Fundamental Score

Codorus Valley Bancorp, Inc. is currently neutrally valued, as its previous close of USD 26.96 lies within the CapitalCube estimate range of USD 25.84 to USD 28.11. Over the last 52 week period, Codorus Valley Bancorp, Inc. has fluctuated between USD 18.57 and USD 27.15.

Valuation & Peer Metrics

A complete list of valuation metrics is available on the company page.

Company Profile

Codorus Valley Bancorp, Inc. operates as a bank holding company for Peoples Bank, which provides banking and financial services. The company also provides personal banking, mortgage banking, wealth management and real estate services. Codorus Valley Bancorp was founded on October 7, 1986 and is headquartered in York, PA.

Disclaimer

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