Codorus Valley Bancorp Valuation

CVLYDelisted Stock  USD 24.04  1.09  4.75%   
At this time, the firm appears to be overvalued. Codorus Valley Bancorp shows a prevailing Real Value of $19.83 per share. The current price of the firm is $24.04. Our model approximates the value of Codorus Valley Bancorp from analyzing the firm fundamentals such as return on equity of 0.12, and Profit Margin of 0.24 % as well as examining its technical indicators and probability of bankruptcy.
Overvalued
Today
24.04
Please note that Codorus Valley's price fluctuation is very steady at this time. Calculation of the real value of Codorus Valley Bancorp is based on 3 months time horizon. Increasing Codorus Valley's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Codorus Valley is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Codorus Stock. However, Codorus Valley's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
Historical Market  24.04 Real  19.83 Hype  24.04 Naive  24.44
The intrinsic value of Codorus Valley's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Codorus Valley's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
19.83
Real Value
26.44
Upside
Estimating the potential upside or downside of Codorus Valley Bancorp helps investors to forecast how Codorus stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Codorus Valley more accurately as focusing exclusively on Codorus Valley's fundamentals will not take into account other important factors:
Bollinger
Band Projection (param)
LowerMiddle BandUpper
20.8522.4324.01
Details
Hype
Prediction
LowEstimatedHigh
24.0424.0424.04
Details
Potential
Annual Dividend
LowForecastedHigh
0.330.330.33
Details

Codorus Valley Total Value Analysis

Codorus Valley Bancorp is currently expected to have valuation of 280.91 M with market capitalization of 232.28 M, debt of 101.75 M, and cash on hands of 283.97 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Codorus Valley fundamentals before making equity appraisal based on enterprise value of the company
  Takeover PriceMarket CapDebt ObligationsCash
280.91 M
232.28 M
101.75 M
283.97 M

Codorus Valley Investor Information

About 55.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.03. Some equities with similar Price to Book (P/B) outperform the market in the long run. Codorus Valley Bancorp last dividend was issued on the 6th of May 2024. The entity had 1.05:1 split on the 21st of October 2019. Based on the key measurements obtained from Codorus Valley's financial statements, Codorus Valley Bancorp is not in a good financial situation at the moment. It has a very high risk of going through financial straits in December.

Codorus Valley Asset Utilization

The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Codorus Valley has an asset utilization ratio of 5.9 percent. This suggests that the Company is making $0.059 for each dollar of assets. An increasing asset utilization means that Codorus Valley Bancorp is more efficient with each dollar of assets it utilizes for everyday operations.

Codorus Valley Ownership Allocation

The market capitalization of Codorus Valley Bancorp is $232.28 Million. 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. Note, that even with substantial debt, if the true value of the firm is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.

Codorus Valley Profitability Analysis

The company reported the previous year's revenue of 129.7 M. Net Income was 24.97 M with profit before overhead, payroll, taxes, and interest of 87.22 M.

Codorus Valley Past Distributions to stockholders

About Codorus Valley Valuation

Our relative valuation model uses a comparative analysis of Codorus Valley. We calculate exposure to Codorus Valley's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Codorus Valley's related companies.
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. It employs 327 people.
Codorus Valley's stock price is the clearest measure of market expectations about its performance. Without stock valuation, investors cannot independently discern whether Codorus Valley's value is low or high relative to the company's performance and growth projections. Determining the market value of Codorus Valley can be done in different ways, such as multiplying its stock price by its outstanding shares.
A single share of Codorus Valley represents a small ownership stake in the entity. As a stockholder of Codorus, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.

Codorus Valley Dividends Analysis For Valuation

There are various types of dividends Codorus Valley can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Codorus shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Codorus Valley Bancorp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Codorus pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Codorus Valley by the value of the dividends paid out.

Codorus Valley Growth Indicators

Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
Common Stock Shares Outstanding9.6 M
Quarterly Earnings Growth Y O Y-0.397
Check out Trending Equities to better understand how to build diversified portfolios. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of economic analysis.
You can also try the Theme Ratings module to determine theme ratings based on digital equity recommendations. Macroaxis theme ratings are based on combination of fundamental analysis and risk-adjusted market performance.

Other Consideration for investing in Codorus Stock

If you are still planning to invest in Codorus Valley 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 Codorus Valley's history and understand the potential risks before investing.
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