Codorus Valley Bancorp, Inc (CVLY): Price and Financial Metrics

CVLY POWR Grades

• Growth is the dimension where CVLY ranks best; there it ranks ahead of 91.21% of US stocks.
• The strongest trend for CVLY is in Quality, which has been heading down over the past 177 days.
• CVLY's current lowest rank is in the Quality metric (where it is better than 18.01% of US stocks).

CVLY Stock Summary

• Equity multiplier, or assets relative to shareholders' equity, comes in at 12.92 for CODORUS VALLEY BANCORP INC; that's greater than it is for 94.82% of US stocks.
• With a year-over-year growth in debt of -11.88%, CODORUS VALLEY BANCORP INC's debt growth rate surpasses merely 21.28% of about US stocks.
• Shareholder yield, a measure of how much is returned to shareholders via dividends and share repurchases, for CVLY comes in at 6.79% -- higher than that of 76.91% of stocks in our set.
• If you're looking for stocks that are quantitatively similar to CODORUS VALLEY BANCORP INC, a group of peers worth examining would be CCBG, PBFS, OSBC, AUBN, and EQBK.
• CVLY's SEC filings can be seen here. And to visit CODORUS VALLEY BANCORP INC's official web site, go to www.peoplesbanknet.com.

CVLY Valuation Summary

• CVLY's EV/EBIT ratio is 5.5; this is 49.54% lower than that of the median Financial Services stock.
• CVLY's price/sales ratio has moved down 0.6 over the prior 243 months.

Below are key valuation metrics over time for CVLY.

CVLY Growth Metrics

Its 3 year net income to common stockholders growth rate is now at -29.35%.
• Its year over year net income to common stockholders growth rate is now at -9.91%.
• Its year over year revenue growth rate is now at 5.15%.

CVLY's revenue has moved up $17,992,000 over the prior 67 months.

The table below shows CVLY's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-09-30	80.144	30.684	14.854
2022-06-30	75.422	20.626	12.483
2022-03-31	74.659	22.045	13.812
2021-12-31	74.802	27.84	14.659
2021-09-30	75.541	28.938	16.722
2021-06-30	73.029	30.127	15.563

CVLY's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• CVLY has a Quality Grade of C, ranking ahead of 40.3% of graded US stocks.
• CVLY's asset turnover comes in at 0.034 -- ranking 304th of 428 Banking stocks.
• TCBI, SRCE, and HFBL are the stocks whose asset turnover ratios are most correlated with CVLY.

The table below shows CVLY's key quality metrics over time.