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Codorus Valley Bancorp, Inc. CVLY NASDAQ

NASDAQ Global Market • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Codorus Valley Bancorp, Inc. (CVLY) is a Banks - Regional company in the Financial Services sector, currently trading at $24.04. It has a SharesGrow Score of 82/100, indicating a strong investment profile with 5 out of 7 criteria passed.

Financials: revenue is $130M, +2569.5%/yr average growth. Net income is $25M, growing at +45%/yr. Net profit margin is 19.3% (healthy). Gross margin is 100% (+0 pp trend).

Balance sheet: total debt is $102M against $200M equity (Debt-to-Equity (D/E) ratio 0.51, moderate). Current ratio is 0.03 (tight liquidity). Debt-to-assets is 4.6%. Total assets: $2.2B.

Analyst outlook: 1 / 1 analysts rate CVLY as buy (100%) — strong consensus.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 100/100 (Pass), Past 100/100 (Pass), Health 50/100 (Partial), Moat 54/100 (Partial), Future 100/100 (Pass), Income 70/100 (Pass).

CVLY SharesGrow Score Overview

82/100

SharesGrow Score

Strong investment profile

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 100/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 50/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 54/100

Gross margin is + market cap

FUTURE 100/100

Analyst outlook — as buy

INCOME 70/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — CVLY

CVLY trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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CVLY: +2569.5%/yr revenue is, +45%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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CVLY: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet CVLY: Debt-to-Equity (D/E) ratio 0.51 (moderate), Current ratio is 0.03 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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CVLY: Gross margin is 100% (+0 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 54/100. ≥ 70 = Pass.

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Analyst outlook: 1 / 1 analysts rate CVLY as buy (100%). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.

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CVLY: Net profit margin is 19.3%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range17.62-25.88

Volume565.91K

Avg Volume (30D)40.61K

Market Cap$232.28M

Beta (1Y)0.55

Dividend Yield$0.6800

Share Statistics

EPS (TTM)2.60

Shares Outstanding$9.61M

IPO Date1994-04-05

Employees317

CEOCraig L. Kauffman

Financial Highlights & Ratios

Revenue (TTM)$129.7M

Gross Profit$129.76M

EBITDA$-3.58M

Net Income$24.97M

Operating Income$35.42M

Total Cash$-10.88M

Total Debt$101.75M

Net Debt$68.06M

Total Assets$2.2B

Price / Earnings (P/E)9.2

Price / Sales (P/S)1.79

Analyst Forecast

Rating ConsensusBuy

Analysts Covering1

Buy 100% Hold 0% Sell 0%

Company Info

CountryUS

ExchangeNASDAQ Global Market

CurrencyUSD

ISINUS1920251048

Price Chart

CVLY

Codorus Valley Bancorp, Inc. ↗ · NASDAQ Global Market

Financial Services • Banks - Regional

17.62 52WK RANGE 25.88

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