Cortland Bancorp Financial Statements Trends

Cortland Bancorp -- USA Stock  

USD 18  0.05  0.28%

This module enables investors to look at Cortland Bancorp various fundamental indicators over time in order to gain insight into the company future performance. Macroaxis historical fundamental analysis tools allow evaluation of not only typical financial statement drivers such as Consolidated Income of 6.8 M, Earning Before Interest and Taxes EBIT of 8.6 M or Gross Profit of 22.5 M, but also many exotic indicators such as Asset Turnover of 0.0506, Book Value per Share of 13.3141 or Debt to Equity Ratio of 9.805. This module is a perfect complement to use when analyzing Cortland Bancorp Valuation or Volatility. It can also complement various Cortland Bancorp Technical models. Check also analysis of Cortland Bancorp Correlation with competitors.

Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Accumulated Other Comprehensive Income3.7 M3.2 M3.1 M
Increasing
Slightly volatile
Total Assets612.4 M437.6 M452.2 M
Increasing
Slightly volatile
Cash and Equivalents19.3 M32.6 M29.6 M
Increasing
Stable
Cash and Equivalents USD38.3 M32.6 M31.1 M
Increasing
Slightly volatile
Total Debt33.1 M46.7 M45.6 M
Decreasing
Slightly volatile
Total Debt USD54.9 M46.7 M47.5 M
Increasing
Slightly volatile
Deposit Liabilities395 M335.8 M340.8 M
Increasing
Slightly volatile
Shareholders Equity61.2 M52 M52.6 M
Increasing
Slightly volatile
Shareholders Equity USD61.2 M52 M52.6 M
Increasing
Slightly volatile
Investments456.8 M388.2 M395.7 M
Increasing
Stable
Total Liabilities453.6 M385.6 M391.5 M
Increasing
Slightly volatile
Property Plant and Equipment Net6.2 M5.3 M5.3 M
Increasing
Slightly volatile
Accumulated Retained Earnings Deficit21 M17.8 M17.9 M
Increasing
Slightly volatile

Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Consolidated Income6.8 M5.7 M5.8 M
Increasing
Slightly volatile
Earning Before Interest and Taxes EBIT8.6 M7.3 M7.4 M
Increasing
Slightly volatile
Earning Before Interest and Taxes USD8.6 M7.3 M7.4 M
Increasing
Slightly volatile
Gross Profit22.5 M19.1 M19.4 M
Increasing
Slightly volatile
Net Income4.5 M5.7 M5.6 M
Decreasing
Slightly volatile
Net Income Common Stock6.8 M5.7 M5.8 M
Increasing
Slightly volatile
Net Income Common Stock USD6.8 M5.7 M5.8 M
Increasing
Slightly volatile
Operating Expenses13.9 M11.8 M12 M
Increasing
Slightly volatile
Operating Income8.6 M7.3 M7.4 M
Increasing
Slightly volatile
Revenues23.9 M19.1 M19.5 M
Increasing
Slightly volatile
Revenues USD22.5 M19.1 M19.4 M
Increasing
Slightly volatile
Selling General and Administrative Expense11.6 M9.9 M10 M
Increasing
Slightly volatile
Weighted Average Shares4.4 M4.6 M4.6 M
Decreasing
Stable
Income Tax Expense1.9 M1.6 M1.6 M
Increasing
Slightly volatile

Cash Flow Statement

Trends Matrix
Current ValueLast YearHistorical Average 10 Year Trend
Capital Expenditure(500 K)(425 K)(423.6 K)
Decreasing
Slightly volatile
Depreciation Amortization and Accretion1.6 M1.3 M1.5 M
Decreasing
Slightly volatile
Net Cash Flow or Change in Cash and Cash Equivalents6.9 M5.9 M3.5 M
Increasing
Slightly volatile
Issuance Purchase of Equity Shares(1.5 M)(1.3 M)(1.4 M)
Increasing
Slightly volatile
Issuance Repayment of Debt Securities (3.2 M)(2.7 M)(2.4 M)
Decreasing
Slightly volatile
Payment of Dividends and Other Cash Distributions (5.1 M)(4.3 M)(4.4 M)
Decreasing
Slightly volatile
Net Cash Flow from Financing(11.9 M)(10.2 M)(9.8 M)
Decreasing
Slightly volatile
Net Cash Flow from Investing12.5 M10.7 M7.8 M
Increasing
Slightly volatile
Net Cash Flow Investment Acquisitions and Disposals12.8 M10.9 M8 M
Increasing
Slightly volatile
Net Cash Flow from Operations6.9 M5.3 M5.6 M
Decreasing
Very volatile

Fundamental Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Asset Turnover0.05060.0430.0435
Increasing
Slightly volatile
Book Value per Share13.314111.31711.4622
Increasing
Slightly volatile
Debt to Equity Ratio9.8057.4097.6403
Increasing
Slightly volatile
Dividend Yield0.05060.0430.0431
Increasing
Slightly volatile
Dividends per Basic Common Share1.10590.940.9563
Increasing
Slightly volatile
EBITDA Margin0.53290.4530.4637
Increasing
Stable
Earnings per Basic Share1.45881.241.2549
Increasing
Slightly volatile
Earnings per Diluted Share1.021.241.2183
Decreasing
Slightly volatile
EPS Diluted Growth0.27420.3797(0.3495)
Increasing
Slightly volatile
EPS Growth0.27420.3797(0.3495)
Increasing
Slightly volatile
Earnings per Basic Share USD1.45881.241.2549
Increasing
Slightly volatile
Enterprise Value over EBIT18.823516.016.652
Decreasing
Stable
Enterprise Value over EBITDA16.6614.16114.5096
Increasing
Stable
Free Cash Flow per Share4.351.0681.3766
Increasing
Slightly volatile
Gross Margin1.17651.01.0147
Increasing
Slightly volatile
Financial Leverage1.17651.01.0147
Increasing
Slightly volatile
Leverage Ratio10.726110.238110.8536
Decreasing
Very volatile
NCFO Growth0.74042.2142(0.1519)
Decreasing
Very volatile
Net Income Growth0.25910.3607(0.3558)
Increasing
Slightly volatile
Profit Margin0.18920.30.2906
Decreasing
Slightly volatile
Payout Ratio0.89180.7580.7733
Increasing
Stable
Price to Book Value1.331.9511.9326
Decreasing
Slightly volatile
Price to Earnings Ratio17.6517.80218.1122
Decreasing
Slightly volatile
Price to Sales Ratio3.345.3045.23
Decreasing
Slightly volatile
Revenue Growth0.12150.14740.317
Decreasing
Very volatile
Return on Average Assets0.00730.0130.0124
Decreasing
Slightly volatile
Return on Average Equity0.07520.1110.1076
Decreasing
Slightly volatile
Return on Invested Capital0.01880.0160.0162
Increasing
Slightly volatile
Return on Sales0.45060.3830.3878
Increasing
Slightly volatile
Weighted Average Share Growth(0.0257)(0.0216)(0.01)
Decreasing
Stable
Sales per Share4.89654.1624.2161
Increasing
Slightly volatile
Tax Efficiency0.83090.79650.8267
Increasing
Stable
Tangible Assets Book Value per Share11295.16496.735
Increasing
Slightly volatile

Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Average Assets517.8 M440.1 M446.5 M
Increasing
Slightly volatile
Earnings Before Interest Taxes and Depreciation Amortization EBITDA10.2 M8.7 M8.8 M
Increasing
Stable
Earnings Before Interest Taxes and Depreciation Amortization USD10.2 M8.7 M8.8 M
Increasing
Stable
Earnings before Tax8.6 M7.3 M7.4 M
Increasing
Slightly volatile
Average Equity61 M51.8 M52.5 M
Increasing
Slightly volatile
Enterprise Value99.2 M122.7 M122.7 M
Decreasing
Slightly volatile
Free Cash Flow5.8 M4.9 M5.1 M
Decreasing
Stable
Invested Capital670 M629.3 M576.9 M
Increasing
Slightly volatile
Invested Capital Average545.9 M464 M471.1 M
Increasing
Slightly volatile
Market Capitalization79.8 M101.5 M101 M
Decreasing
Slightly volatile
Tangible Asset Value514.8 M437.6 M444.1 M
Increasing
Slightly volatile