Codorus Valley Bancorp Stock Today

CVLY Stock  USD 22.55  0.28  1.26%   

Performance

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Odds Of Distress

Less than 9

 
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Low
Codorus Valley is trading at 22.55 as of the 25th of April 2024; that is 1.26% increase since the beginning of the trading day. The stock's open price was 22.27. Codorus Valley has less than a 9 % chance of experiencing financial distress in the next few years, but has generated negative returns over the last 90 days. Equity ratings for Codorus Valley Bancorp are calculated daily based on our scoring framework. The performance scores are derived for the period starting the 26th of March 2024 and ending today, the 25th of April 2024. Click here to learn more.
Business Domain
Banks
IPO Date
25th of July 1995
Category
Financial Services
Classification
Financials
Codorus Valley Bancorp, Inc. operates as the bank holding company for the PeoplesBank that provides community banking services. The company was founded in 1864 and is headquartered in York, Pennsylvania. Codorus Valley operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. The company has 9.64 M outstanding shares of which 21.16 K shares are currently shorted by private and institutional investors with about 1.49 trading days to cover. More on Codorus Valley Bancorp

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Codorus Stock Highlights

Most reasonable investors view market volatility as an opportunity to invest at a favorable price or to sell short against a bearish trend. Codorus Valley's investment highlights are automatically generated signals that are significant enough to either complement your investing judgment regarding Codorus Valley or challenge it. These highlights can help you better understand the position you are entering and avoid costly mistakes.
ChairmanReed Anderson
Business ConcentrationRegional Banks, Banks - Regional, Financial Services, NASDAQ Composite, NASDAQ Composite Total, Financials, Banks, Banks—Regional, Financial Services (View all Sectors)
Average Analyst Recommendation
Analysts covering Codorus Valley report their recommendations after researching Codorus Valley's financial statements, talking to executives and customers, or listening in on Codorus Valley's conference calls. The current trade recommendation is based on an ongoing consensus estimate among financial analysts covering Codorus Valley Bancorp. The Codorus consensus assessment is calculated by taking the average forecast from all of the analysts covering Codorus Valley.
Financial Strength
Based on the key measurements obtained from Codorus Valley's financial statements, Codorus Valley Bancorp is not in a good financial situation at this time. It has a very high probability of going through financial hardship in May. Financial strength of Codorus Valley Bancorp is based on its profitability, leverage, liquidity, source of funds, and operating efficiency.
Current ValueLast YearChange From Last Year 10 Year Trend
Return On Assets0.00950.0114
Fairly Down
Very volatile
Asset Turnover0.04370.059
Way Down
Pretty Stable
Gross Profit Margin0.790.9
Fairly Down
Slightly volatile
Total Current Liabilities1.4 B1.4 B
Sufficiently Up
Slightly volatile
Non Current Liabilities Total679.8 M647.4 M
Sufficiently Up
Slightly volatile
Total Assets1.1 B2.2 B
Way Down
Slightly volatile
Total Current Assets40 M42.1 M
Notably Down
Very volatile
Total Cash From Operating Activities12.5 M22.7 M
Way Down
Slightly volatile
Codorus Valley's financial strength is of vital concern to both outside investors and internal stakeholders. Efficiency and cost control are keys to Codorus Valley's success, along with its ability to generate sufficient cash flow to pay bills, repay debt, and make a consistent year-to-year profit.
Financial leverage usually refers to the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand Codorus Valley's financial leverage. It provides some insight into what part of Codorus Valley's total assets is financed by creditors.
By using current balance sheet information, investors can analyze the liability, assets, and equity on Codorus Valley's books and decide whether to invest or hold. Statistics such as return on equity (ROE), debt to equity (D/E) help investors determine how Codorus Valley deploys its capital and how much of that capital is borrowed.
Liquidity
Codorus Valley cash flow analysis is essential to understand how it generates and spends money over a specific period. It can also help you figure out where your money is going and how much cash you have available at a given moment. The company currently holds 101.75 M in liabilities with Debt to Equity (D/E) ratio of 8.15, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist Codorus Valley until it has trouble settling it off, either with new capital or with free cash flow. So, Codorus Valley's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Codorus Valley Bancorp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Codorus to invest in growth at high rates of return. When we think about Codorus Valley's use of debt, we should always consider it together with cash and equity.

Total Cash From Operating Activities

12.53 Million
Codorus Valley Bancorp (CVLY) is traded on NASDAQ Exchange in USA. It is located in 105 Leader Heights Road, York, PA, United States, 17403 and employs 317 people. Codorus Valley is listed under Regional Banks category by Fama And French industry classification. The company currently falls under 'Small-Cap' category with a current market capitalization of 214.74 M. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate Codorus Valley's market, we take the total number of its shares issued and multiply it by Codorus Valley's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and those looking for more risk prefer small-cap and mid-cap equities. Codorus Valley Bancorp conducts business under Banks sector and is part of Financials industry. The entity has 9.64 M outstanding shares of which 21.16 K shares are currently shorted by private and institutional investors with about 1.49 trading days to cover. Codorus Valley Bancorp currently holds about 283.97 M in cash with 22.66 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 29.76, which can makes it an attractive takeover target, given it will continue generating positive cash flow.
Check Codorus Valley Probability Of Bankruptcy
Ownership Allocation
Codorus Valley Bancorp retains a total of 9.64 Million outstanding shares. Over half of Codorus Valley's outstanding shares are owned by other corporate entities. These other corporate entities are typically referred to as corporate investors that acquire positions in a given instrument to benefit from reduced trade commissions. Consequently, these institutions are subject to different rules and regulations than regular investors in Codorus Valley. Please watch out for any change in the institutional holdings of Codorus Valley Bancorp as this could mean something significant has changed or is about to change at the company. Note that regardless of who owns the company, if the true value of the entity is less than the market is willing to pay for it, you may not be able to generate positive returns over time.
Check Codorus Ownership Details

Codorus Stock Price Odds Analysis

Based on a normal probability distribution, the odds of Codorus Valley jumping above the current price in 90 days from now is about 57.93%. The Codorus Valley Bancorp probability density function shows the probability of Codorus Valley stock to fall within a particular range of prices over 90 days. Given the investment horizon of 90 days the stock has a beta coefficient of 1.4126 suggesting as the benchmark fluctuates upward, the company is expected to outperform it on average. However, if the benchmark returns are projected to be negative, Codorus Valley will likely underperform. Additionally, codorus Valley Bancorp has a negative alpha, implying that the risk taken by holding this instrument is not justified. The company is significantly underperforming the NYSE Composite.
  Odds Below 22.55HorizonTargetOdds Above 22.55
41.80%90 days
 22.55 
57.93%
Based on a normal probability distribution, the odds of Codorus Valley to move above the current price in 90 days from now is about 57.93 (This Codorus Valley Bancorp probability density function shows the probability of Codorus Stock to fall within a particular range of prices over 90 days) .

Codorus Stock Institutional Holders

Institutional Holdings refers to the ownership stake in Codorus Valley that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Codorus Valley's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Codorus Valley's value.
InstituionRecorded OnShares
Renaissance Technologies Corp2023-12-31
86.4 K
Banc Funds Co Llc2023-12-31
79 K
Northern Trust Corp2023-12-31
75.9 K
Pl Capital Advisors, Llc2023-12-31
73.6 K
Bhz Capital Management, Lp.2023-12-31
59.2 K
Empowered Funds, Llc0011-12-31
44.6 K
American Century Companies Inc2023-12-31
42.4 K
Fci Advisors2023-12-31
38 K
Pinnacle Holdings, Llc2023-12-31
36.1 K
Fj Capital Management Llc2023-09-30
855.1 K
Blackrock Inc2023-12-31
558.4 K
View Codorus Valley Diagnostics

Codorus Valley Historical Income Statement

Codorus Valley Bancorp Income Statement is one of the three primary financial statements used for reporting Codorus's overall financial performance over a current year or for a given accounting period. An Income Statement sometimes referred to as the statement of Codorus Valley Bancorp revenue and expense. Codorus Valley Income Statement primarily focuses on the company's revenues and expenses during a particular period.
At this time, Codorus Valley's Reconciled Depreciation is fairly stable compared to the past year. View More Fundamentals

Codorus Stock Against Markets

Picking the right benchmark for Codorus Valley stock is fundamental to making educated investment choices. Many naive investors compare their positions with the S&P 500 or with the Nasdaq. But these benchmarks are not all-inclusive and generally should be used only for large-capitalization equities or stock offerings from large companies. When the price of a selected benchmark declines in a down market, there may be an uptick in Codorus Valley stock price where buyers come in believing the asset is cheap. The opposite is true when the market is bullish; so, accurately picking the benchmark for Codorus Valley is critical whether you are bullish or bearish towards Codorus Valley Bancorp at a given time. Please also check how Codorus Valley's historical prices are related to one of the top price index indicators.

Be your own money manager

Our tools can tell you how much better you can do entering a position in Codorus Valley without increasing your portfolio risk or giving up the expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate risk-adjusted returns of your individual positions relative to your overall portfolio.

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Codorus Valley Corporate Directors

Codorus Valley corporate directors refer to members of a Codorus Valley board of directors. The board of directors generally takes responsibility for the Codorus Valley's affairs and long-term direction of the entity. A corporate director does not make decisions for the corporation on his own. As a member of the board of directors, she or he must function as a part of a group that makes decisions on behalf of the business only by the board of directors' meetings. To pass a resolution, a majority of Codorus Valley's board members must vote for the resolution. The Codorus Valley board of directors' duties also include the election, removal, and supervision of officers, including the adoption, amendment, and repeal of bylaws.
Dallas SmithIndependent DirectorProfile
Harry SwiftDirectorProfile
John GiambalvoDirectorProfile
Cynthia DotzelIndependent DirectorProfile

How to buy Codorus Stock?

Before investing in Codorus Valley, you must ensure you fully understand your financial goals and how diversified (or not) your overall investments are now. Then, after you clearly understand your investment objectives, consider investing in Codorus Valley. To buy Codorus Valley stock, you can follow these steps:
  • Choose a brokerage firm: You need to select a brokerage firm to buy shares of Codorus Valley. Some popular options include Charles Schwab, Fidelity, TD Ameritrade, and Robinhood.
  • Open an account: Once you have chosen a brokerage firm, you will need to open an account. You will be required to provide personal information, such as your name, address, and Social Security number.
  • Fund your account: You will need to deposit funds into your brokerage account to purchase Codorus Valley stock. You can do this by transferring funds from your bank account or other investment accounts.
  • Place your order: Once you have located Codorus Valley Bancorp stock in your brokerage account, you can place your order to buy it. You will need to specify the number of shares you want to buy and the price you are willing to pay.
  • Monitor your investment: After you have purchased Codorus Valley Bancorp stock, you should monitor your investment to track its performance and make informed decisions about buying, selling, or holding the stock
It's important to note that investing in stocks, such as Codorus Valley Bancorp, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember various factors, including economic indicators, change in net worth, political events, company-specific news, and investor sentiment, can influence the stock market. These factors can cause fluctuations in stock prices and lead to market volatility affecting your buy or sell decision. However, volatility can also present opportunities for investors to make gains by buying stocks when prices are low and selling when they are high. It's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. For more information on how to buy Codorus Stock please use our How to Invest in Codorus Valley guide.

Already Invested in Codorus Valley Bancorp?

The danger of trading Codorus Valley Bancorp is mainly related to its market volatility and Company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of Codorus Valley is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than Codorus Valley. The Sharpe ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile Codorus Valley Bancorp is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
When determining whether Codorus Valley Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Codorus Valley's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Codorus Valley Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Codorus Valley Bancorp Stock:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Codorus Valley Bancorp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of economic analysis.
You can also try the Bonds Directory module to find actively traded corporate debentures issued by US companies.

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When running Codorus Valley's price analysis, check to measure Codorus Valley's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Codorus Valley is operating at the current time. Most of Codorus Valley's value examination focuses on studying past and present price action to predict the probability of Codorus Valley's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Codorus Valley's price. Additionally, you may evaluate how the addition of Codorus Valley to your portfolios can decrease your overall portfolio volatility.
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Is Codorus Valley's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Codorus Valley. If investors know Codorus will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Codorus Valley listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.32)
Dividend Share
0.66
Earnings Share
2.59
Revenue Per Share
9.92
Quarterly Revenue Growth
(0.05)
The market value of Codorus Valley Bancorp is measured differently than its book value, which is the value of Codorus that is recorded on the company's balance sheet. Investors also form their own opinion of Codorus Valley's value that differs from its market value or its book value, called intrinsic value, which is Codorus Valley's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Codorus Valley's market value can be influenced by many factors that don't directly affect Codorus Valley's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Codorus Valley's value and its price as these two are different measures arrived at by different means. Investors typically determine if Codorus Valley is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Codorus Valley's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.