Cortland Bancorp Financials

Based on the analysis of Cortland Bancorp's profitability, liquidity, and operating efficiency, Cortland Bancorp is not in a good financial situation at the moment. It has a very high risk of going through financial straits in May.
With this module, you can analyze Cortland financials for your investing period. You should be able to track the changes in Cortland Bancorp individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.
  
Understanding current and past Cortland Bancorp Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Cortland Bancorp's financial statements are interrelated, with each one affecting the others. For example, an increase in Cortland Bancorp's assets may result in an increase in income on the income statement.
The data published in Cortland Bancorp's official financial statements usually reflect Cortland Bancorp's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of Cortland Bancorp. For example, before you start analyzing numbers published by Cortland accountants, it's critical to develop an understanding of what Cortland Bancorp's liquidity, profitability, and earnings quality are in the context of the Financial Services space in which it operates.
Please note, the presentation of Cortland Bancorp's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Cortland Bancorp's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in Cortland Bancorp's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Cortland Bancorp. Please utilize our Beneish M Score to check the likelihood of Cortland Bancorp's management manipulating its earnings.

Cortland Bancorp Stock Summary

Cortland Bancorp competes with Monster Beverage, Fomento Economico, Constellation Brands, Compania Cervecerias, and Intchains Group. Cortland Bancorp operates as the bank holding company for The Cortland Savings and Banking Company that provides commercial and retail banking services in Northeastern Ohio and Western Pennsylvania. Cortland Bancorp was founded in 1892 and is headquartered in Cortland, Ohio. Cortland Bncp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 151 people.
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS2205871096
Business Address194 West Main
SectorFinancial Services
IndustryBanks—Regional
BenchmarkNYSE Composite
Websitewww.cortlandbank.com
Phone330 637 8040
CurrencyUSD - US Dollar
You should never invest in Cortland Bancorp without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Cortland Stock, because this is throwing your money away. Analyzing the key information contained in Cortland Bancorp's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

Cortland Bancorp Key Financial Ratios

Generally speaking, Cortland Bancorp's financial ratios allow both analysts and investors to convert raw data from Cortland Bancorp's financial statements into concise, actionable information that can be used to evaluate the performance of Cortland Bancorp over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that Cortland Bancorp reports annually and quarterly.

Cortland Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Cortland Bancorp's current stock value. Our valuation model uses many indicators to compare Cortland Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Cortland Bancorp competition to find correlations between indicators driving Cortland Bancorp's intrinsic value. More Info.
Cortland Bancorp is number one stock in return on equity category among related companies. It is number one stock in return on asset category among related companies reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Cortland Bancorp is roughly  9.86 . Comparative valuation analysis is a catch-all model that can be used if you cannot value Cortland Bancorp by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Cortland Bancorp's Stock. Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Cortland Bancorp's earnings, one of the primary drivers of an investment's value.
Check out Trending Equities to better understand how to build diversified portfolios. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in unemployment.
Note that the Cortland Bancorp information on this page should be used as a complementary analysis to other Cortland Bancorp's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Commodity Directory module to find actively traded commodities issued by global exchanges.

Other Consideration for investing in Cortland Stock

If you are still planning to invest in Cortland Bancorp check if it may still be traded through OTC markets such as Pink Sheets or OTC Bulletin Board. You may also purchase it directly from the company, but this is not always possible and may require contacting the company directly. Please note that delisted stocks are often considered to be more risky investments, as they are no longer subject to the same regulatory and reporting requirements as listed stocks. Therefore, it is essential to carefully research the Cortland Bancorp's history and understand the potential risks before investing.
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