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Codorus Valley Bancorp Inc

Financial Services US CVLY

NoneUSD
0.00(0%)

Last update at 2024-07-25T17:03:02.326657Z

Day Range

--
LowHigh

52 Week Range

17.1525.65
LowHigh

Fundamentals

  • Previous Close 24.04
  • Market Cap214.60M
  • VolumeNone
  • P/E Ratio9.70
  • Dividend Yield3.05%
  • Revenue TTM93.22M
  • Revenue Per Share TTM9.69
  • Gross Profit TTM 87.22M
  • Diluted EPS TTM2.29

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 25.65M 18.59M 10.47M 23.67M 24.72M
Minority interest - - - - -
Net income 20.09M 14.66M 8.44M 18.65M 19.54M
Selling general administrative 35.83M 37.74M 35.01M 34.39M 33.62M
Selling and marketing expenses 1.93M 1.77M 1.35M 1.78M 1.59M
Gross profit 1.64M 78.47M 76.35M 77.85M 75.93M
Reconciled depreciation 3.22M 3.21M 3.43M 3.58M 2.42M
Ebit 35.05M 18.59M 10.47M 23.67M 41.12M
Ebitda 38.27M 21.80M 13.90M 27.25M 43.55M
Depreciation and amortization 3.22M 3.21M 3.43M 3.58M 2.42M
Non operating income net other - - - - -
Operating income 35.05M 18.59M 10.47M 23.67M 41.12M
Other operating expenses 1.93M -59.87800M -65.87900M -54.17900M 34.81M
Interest expense 9.40M 9.59M 15.25M 21.38M 16.40M
Tax provision 5.56M 3.93M 2.03M 5.03M 5.18M
Interest income 84.65M 71.69M 75.71M 84.94M 79.91M
Net interest income 75.25M 62.10M 60.46M 63.56M 63.50M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 5.56M 3.93M 2.03M 5.03M 5.18M
Total revenue 1.64M 78.47M 76.35M 77.85M 77.23M
Total operating expenses 1.93M -59.87800M -65.87900M -54.17900M -34.80700M
Cost of revenue - - - - 1.30M
Total other income expense net -9.40100M -9.59100M -15.25300M -21.37800M -16.40100M
Discontinued operations - - - - -
Net income from continuing ops 20.09M 14.66M 8.44M 18.65M 19.54M
Net income applicable to common shares 20.09M 14.66M 8.44M 18.65M 19.54M
Preferred stock and other adjustments - - - - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 2197.24M 2195.05M 2418.57M 2162.20M 1886.55M
Intangible assets 0.23M - - - 0.96M
Earning assets - - - - 286.77M
Other current assets 42.07M -20.66200M 1338.56M 1426.51M 1404.32M
Total liab 1997.64M 2017.75M 64.83M 88.26M 1695.38M
Total stockholder equity 199.60M 177.30M 195.50M 197.96M 191.17M
Deferred long term liab - - - - -
Other current liab 1292.89M 1943.22M 2143.76M 8.54M -7.92500M
Common stock 24.71M 24.71M 24.71M 24.55M 24.39M
Capital stock 24.71M 24.71M 24.71M 24.55M 24.39M
Retained earnings 68.63M 52.15M 37.77M 28.38M 25.02M
Other liab - 17.41M 14.48M 12.44M 12.07M
Good will 2.30M 2.30M 2.30M 2.30M 2.30M
Other assets - 1357.19M 1337.24M 1423.92M 1399.76M
Cash 33.69M 120.44M 545.49M 335.79M 131.59M
Cash and equivalents - - - - -
Total current liabilities 1350.21M 11.61M 12.56M 11.05M 7.92M
Current deferred revenue - - - - -
Net debt 68.06M -63.31600M -480.66800M -247.53000M -38.85000M
Short term debt 57.31M 11.61M 12.56M 11.05M 7.92M
Short long term debt - - - - 7.92M
Short long term debt total 101.75M 57.12M 64.83M 88.26M 92.74M
Other stockholder equity 137.34M 135.21M 133.19M 141.46M 140.45M
Property plant equipment - 21.14M 23.65M 25.21M 25.97M
Total current assets 42.07M 465.90M 799.78M 520.79M 291.27M
Long term investments 349.77M 346.41M 255.60M 1724.31M 1655.55M
Net tangible assets - 175.00M 193.20M 195.66M 188.87M
Short term investments 349.77M 345.46M 254.28M 185.00M 159.68M
Net receivables - - - - -
Long term debt 41.16M 53.92M 63.02M 77.21M 81.63M
Inventory - 0.48M - - 0.80M
Accounts payable - 1943.22M 2143.76M 1863.54M 1590.56M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -31.08200M -34.76400M -0.16400M 3.57M 1.31M
Additional paid in capital - - - - -
Common stock total equity - 24.71M 24.71M 24.55M 24.39M
Preferred stock total equity - - - - -
Retained earnings total equity - 52.15M 37.77M 28.38M 25.02M
Treasury stock - -6.68700M -8.87500M - -
Accumulated amortization - - - - -
Non currrent assets other 2096.42M -0.95500M -281.54900M -217.48800M -195.51500M
Deferred long term asset charges - - - - -
Non current assets total 2155.17M 371.97M 281.55M 217.49M 195.51M
Capital lease obligations 4.06M 3.20M 1.80M 2.52M 4.51M
Long term debt total - 42.31M 52.26M 77.21M 81.63M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -243.12200M -55.08000M -71.30600M -23.12300M -78.95500M
Change to liabilities 2.52M 2.04M 0.36M 0.97M 1.54M
Total cashflows from investing activities -244.60700M -61.39100M -72.45500M -32.74700M -81.54800M
Net borrowings -9.15600M -22.77900M -3.78300M -34.13700M -28.47300M
Total cash from financing activities -214.40600M 243.25M 264.74M 50.92M 77.86M
Change to operating activities 2.10M -1.25500M -3.06300M 0.30M 0.14M
Net income 20.09M 14.66M 8.44M 18.65M 19.54M
Change in cash -425.05500M 209.70M 204.20M 34.81M 17.26M
Begin period cash flow 545.49M 335.79M 131.59M 96.78M 79.52M
End period cash flow 120.44M 545.49M 335.79M 131.59M 96.78M
Total cash from operating activities 33.96M 27.84M 11.91M 16.64M 20.95M
Issuance of capital stock 2.42M 1.10M 0.81M 0.88M 1.11M
Depreciation 3.22M 3.21M 3.43M 3.58M 2.42M
Other cashflows from investing activities 0.36M -4.27900M 1.11M -6.52100M 0.16M
Dividends paid -5.71400M -5.27000M -5.08100M -6.01700M 5.54M
Change to inventory - 0.40M -0.96800M 1.54M 0.91M
Change to account receivables -2.06200M 3.79M -3.33600M 0.54M -0.58400M
Sale purchase of stock -1.27400M -9.90100M -0.08700M -4.99300M 127.30M
Other cashflows from financing activities -199.84000M 282.32M 304.10M 96.09M -0.01900M
Change to netincome 11.96M 20.18M 10.55M 1.55M 14.32M
Capital expenditures 1.84M 2.03M 2.26M 3.10M 2.75M
Change receivables -2.06200M 3.79M -3.33600M 0.54M -0.58400M
Cash flows other operating 0.80M -9.23300M -3.66700M -6.61700M -15.16100M
Exchange rate changes - - - - -
Cash and cash equivalents changes -425.05500M 209.70M 204.20M 34.81M 17.26M
Change in working capital 0.04M 2.54M -5.74500M 0.83M -0.44000M
Stock based compensation 0.98M 0.79M 0.52M 0.67M 0.70M
Other non cash items 8.97M 6.67M 6.53M -6.49600M -1.23800M
Free cash flow 32.12M 25.81M 9.66M 13.53M 18.20M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
CVLY
Codorus Valley Bancorp Inc		 - -% - 9.70 - 2.16 1.03
HDB
HDFC Bank Limited ADR		 -0.07 0.28% 25.02 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 0.13 0.44% 29.92 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 -0.1 0.19% 51.25 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.70 6.10 5.67 0.44 0.77 3.43

Reports Covered

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Profile

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 and checking account. 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; business loans; and consumer loans, including residential mortgage, home equity, and others. In addition, the company provides mortgage and wealth management services; credit cards; mobile banking and deposit; online bill pay and statement; treasury management; merchant services; and sells non-deposit investment products. The company was founded in 1864 and is headquartered in York, Pennsylvania.

Codorus Valley Bancorp Inc

105 Leader Heights Road, York, PA, United States, 17403

Key Executives

Name Title Year Born
Mr. Craig L. Kauffman Pres, CEO & Director 1964
Mr. Larry D. Pickett Treasurer 1961
Ms. Diane E. Baker CPA VP, Assistant Treasurer & Assistant Sec. 1971
Mr. Daniel R. Stolzer Gen. Counsel 1957
Mr. Matthew A. Clemens SPHR Chief Admin. Officer & Sr. VP of Peoplesbank NA
Mr. E. Dennis Ginder Sr. VP & Chief Credit Officer 1958
Mr. Harland E. Carney III Sr. VP & Director of Commercial Banking NA
Mr. Timothy J. Nieman Esq. Sec. 1966
Ms. Teresa L. Greider VP & Controller NA
Ms. Diane E. Baker CPA Executive VP, Chief Risk Officer, Assistant Treasurer & Assistant Secretary 1971

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