Return On Equity
12%
Trailing 12 months · Through 31 Mar 2024
YoY relative change: -12%
CODORUS VALLEY BANCORP INC financial metrics
Period Q1 2024 · Filed 06 May 2024
Key metrics snapshot
Return On Assets
1%
Trailing 12 months · Through 31 Mar 2024
YoY relative change: -4.3%
Debt-to-equity
10.44x
Period-end balance · Through 31 Mar 2024
YoY relative change: -10%
NetIncomeLoss YoY
-7.5%
Trailing 12 months · Through 31 Mar 2024
Profitability
| Metric | Latest value | YoY relative change |
|---|---|---|
| Return On Equity |
12%
Trailing 12 months · 31 Mar 2024
|
-12% |
| Return On Assets |
1%
Trailing 12 months · 31 Mar 2024
|
-4.3% |
Financial Health
| Metric | Latest value | YoY relative change |
|---|---|---|
| Debt-to-equity |
10.44x
Period-end balance · 31 Mar 2024
|
-10% |
Growth
| Metric | Latest value | YoY relative change |
|---|---|---|
| NetIncomeLoss YoY |
-7.5%
Trailing 12 months · 31 Mar 2024
|
Share Metrics
| Metric | Latest value | YoY relative change |
|---|---|---|
| Entity Common Stock, Shares Outstanding |
9,662,378
Period-end balance · 30 Apr 2024
|
+0.71% |
| Common Stock, Shares, Outstanding |
9,662,378
Period-end balance · 31 Mar 2024
|
+0.71% |
| Common Stock, Value, Issued |
$24,709,000
Period-end balance · 31 Mar 2024
|
0% |
| Weighted Average Number of Shares Outstanding, Basic |
9,649,000
Reported period · 31 Mar 2024
|
+0.67% |
| Weighted Average Number of Shares Outstanding, Diluted |
9,670,000
Reported period · 31 Mar 2024
|
+0.6% |
Supporting Metrics
These supporting metrics stay fully source-backed for deeper research. Scan the latest value and reported period first, then open a metric page when you need the full filing trail.
| Metric | Latest value | YoY relative change |
|---|---|---|
| Accumulated Other Comprehensive Income (Loss), Net of Tax |
-$32,911,000
Period-end balance · 31 Mar 2024
|
-6.4% |
| Additional Paid in Capital |
$142,816,000
Period-end balance · 31 Mar 2024
|
+0.5% |
| Assets |
$2,208,593,000
Period-end balance · 31 Mar 2024
|
+0.45% |
| Cash and Cash Equivalents, at Carrying Value |
$26,662,000
Period-end balance · 31 Mar 2024
|
-74% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents |
$26,662,000
Period-end balance · 31 Mar 2024
|
-74% |
| Common Stock, Par or Stated Value Per Share |
2.5
Period-end balance · 31 Mar 2024
|
0% |
| Common Stock, Shares Authorized |
30,000,000
Period-end balance · 31 Mar 2024
|
0% |
| Common Stock, Shares, Issued |
9,883,660
Period-end balance · 31 Mar 2024
|
0% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent |
$20,266,000
Trailing 12 months · 31 Mar 2024
|
+188% |
| Debt and Equity Securities, Gain (Loss) |
$0
Reported period · 31 Mar 2024
|
|
| Deferred Income Tax Expense (Benefit) |
$0
Reported period · 31 Mar 2024
|
|
| Earnings Per Share, Basic |
2
Trailing 12 months · 31 Mar 2024
|
-8.3% |
| Earnings Per Share, Diluted |
2
Trailing 12 months · 31 Mar 2024
|
-8.4% |
| Goodwill |
$2,301,000
Period-end balance · 31 Mar 2024
|
0% |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest |
$28,298,000
Trailing 12 months · 31 Mar 2024
|
-8% |
| Income Tax Expense (Benefit) |
$6,062,000
Trailing 12 months · 31 Mar 2024
|
-10% |
| Interest Expense |
$40,770,000
Trailing 12 months · 31 Mar 2024
|
+201% |
| Interest Paid, Excluding Capitalized Interest, Operating Activities |
$11,568,000
Reported period · 31 Mar 2024
|
+126% |
| Lessee, Operating Lease, Liability, to be Paid |
$2,873,000
Period-end balance · 31 Mar 2024
|
-12% |
| Lessee, Operating Lease, Liability, to be Paid, Year Four |
$351,000
Period-end balance · 31 Mar 2024
|
+12% |
| Lessee, Operating Lease, Liability, to be Paid, Year One |
$494,000
Period-end balance · 31 Mar 2024
|
-23% |
| Lessee, Operating Lease, Liability, to be Paid, Year Three |
$380,000
Period-end balance · 31 Mar 2024
|
+17% |
| Lessee, Operating Lease, Liability, to be Paid, Year Two |
$389,000
Period-end balance · 31 Mar 2024
|
-6.7% |
| Lessee, Operating Lease, Liability, Undiscounted Excess Amount |
$186,000
Period-end balance · 31 Mar 2024
|
-11% |
| Liabilities |
$2,007,599,000
Period-end balance · 31 Mar 2024
|
-0.31% |
| Liabilities and Equity |
$2,208,593,000
Period-end balance · 31 Mar 2024
|
+0.45% |
| Net Cash Provided by (Used in) Financing Activities |
$13,794,000
Reported period · 31 Mar 2024
|
|
| Net Cash Provided by (Used in) Investing Activities |
-$26,327,000
Reported period · 31 Mar 2024
|
-61% |
| Net Cash Provided by (Used in) Operating Activities |
$5,504,000
Reported period · 31 Mar 2024
|
+17% |
| Operating Lease, Liability |
$2,687,000
Period-end balance · 31 Mar 2024
|
-12% |
| Operating Lease, Payments |
$179,000
Reported period · 31 Mar 2024
|
0% |
| Operating Lease, Right-of-Use Asset |
$2,591,000
Period-end balance · 31 Mar 2024
|
-12% |
| Operating Lease, Weighted Average Discount Rate, Percent |
0.02
Period-end balance · 31 Mar 2024
|
0% |
| Payments to Acquire Property, Plant, and Equipment |
$127,000
Reported period · 31 Mar 2024
|
-83% |
| Preferred Stock, Par or Stated Value Per Share |
2.5
Period-end balance · 31 Mar 2024
|
0% |
| Preferred Stock, Shares Authorized |
1,000,000
Period-end balance · 31 Mar 2024
|
0% |
| Preferred Stock, Shares Issued |
0
Period-end balance · 31 Mar 2024
|
|
| Preferred Stock, Shares Outstanding |
0
Period-end balance · 31 Mar 2024
|
|
| Property, Plant and Equipment, Net |
$19,090,000
Period-end balance · 31 Mar 2024
|
-10% |
| Retained Earnings (Accumulated Deficit) |
$71,249,000
Period-end balance · 31 Mar 2024
|
+28% |
| Share-based Payment Arrangement, Noncash Expense |
$655,000
Reported period · 31 Mar 2024
|
+44% |
| Stockholders' Equity Attributable to Parent |
$200,994,000
Period-end balance · 31 Mar 2024
|
+8.7% |
Comparisons, sources and research notes
Sources and sharing
CODORUS VALLEY BANCORP INC Financial Facts
- Context
- Latest metrics period: Q1 2024
- Latest reported value
- Return On Equity 12%
Based on company facts extracted from SEC 10-Q/10-K XBRL filings where available. Open metric pages to inspect the reported history.
Tracking and update notes
Why revisit this company facts page
Company facts change as new 10-Q and 10-K filings update the latest reported period, headline values, and cross-company comparison context.
- Latest source-backed update
- Latest metrics period Q1 2024
- Why come back
- Use the next filing cycle to compare new facts against this baseline and then verify the detailed metric history.
- Current latest metrics period: Q1 2024.
- Most recent SEC facts end date on this page: 30 Apr 2024.
- Save this filer to return when the next filing-backed metric period changes the picture.
Freshness comes from the latest SEC company facts period available for this filer and the linked metric history pages.
Latest update
Latest update for CODORUS VALLEY BANCORP INC
Latest financial period: Q1 2024. Reopen this facts page to verify the newest reported period against the prior baseline.
Update date
06 May 2024
Page type
Company facts
Latest period
Q1 2024
SEC-backed company facts were refreshed from filings filed on 06 May 2024.
Benchmark Context
How Return On Equity compares
Return On Equity is down about 12% versus the comparable prior period.
Compared with
Compared with CODORUS VALLEY BANCORP INC's recent history first. Same-industry peer context appears only when enough SEC-backed benchmark coverage exists.
Why this is notable
Return On Equity already has a self-history signal here, but same-industry benchmark context waits until the benchmark sample is strong enough.
- Latest comparable period on this page: Q1 2024.
- Peer context will appear when enough companies report a comparable value for this metric.
- Open the metric history first if you want to verify the exact period-to-period change.
Industry benchmark context uses SEC-reported values from the same methodology version. Latest periods may differ across companies.
How to read key metrics on this page
These short guides explain what the headline metrics mean, what to compare next, and where to open the live SEC-backed example for this company.
Plain-English Guide
How to read Net Income on this page
Net income is profit after operating costs, interest, taxes, and other non-operating items.
Why people care
It is the bottom-line profit figure many users recognize first, especially when they want to compare earnings with sales or cash flow.
How to read it
Use the same quarter or fiscal year comparison first, then check operating income or cash flow if the bottom line moved sharply.
Compare next
Compare it with operating income, EPS, and operating cash flow to see whether earnings are broad-based or driven by one-off items.
Net income can swing because of tax, financing, or accounting adjustments, so it is often less comparable than core operating metrics.
Open a live SEC-backed example
Filing notes and source
Key facts
- CODORUS VALLEY BANCORP INC financial facts use SEC filings; any third-party reference is labeled separately.
- Latest metrics period on this page: Q1 2024.
- Headline metric: Return On Equity 12%.
Change
- Return On Equity YoY relative change: -12%.
- Most recent SEC facts end date: 30 Apr 2024.
Research use
- This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
- Metric cards link to SEC history; a third-party reference may use a different or unverified reporting period.
Evidence
Based on latest 10-Q/10-K
View source filing
Based on company facts extracted from SEC 10-Q/10-K XBRL filings where available. Open company facts to inspect the reported metric history.
Latest financial snapshot (2024-04-30) highlights Return On Equity 11.5%, Return On Assets 1.0%, and Debt-to-equity 10.44x.
Valuation Snapshot
SEC-only DCF estimate using a normalized free cash flow base, cash, debt, and reported share count when available.
No market comparison
No market comparison
Medium confidence
USD inputs only. Cash and complete debt must share the latest balance date. Missing balances are unknown, never zero; equity value and market EV remain unavailable until both are verified.
Fair value per share
$34.34
Market price
n/a
PEG ratio
n/a
Enterprise value
$378.14M
Equity value
$332.11M
DCF fair value scenarios
Bear
$24.43
- Growth
- 1%
- Discount
- 11%
- Terminal
- 2%
Base
$34.34
- Growth
- 4%
- Discount
- 10%
- Terminal
- 2.5%
Bull
$49.96
- Growth
- 7%
- Discount
- 9%
- Terminal
- 3%
Base growth: DCF Growth Assumption.
Key valuation metrics
EV/Revenue
n/a
Market price market EV / SEC revenue
Market enterprise value is unavailable
EV/EBITDA
n/a
Market price market EV / SEC EBITDA
Market enterprise value is unavailable
P/E
n/a
Market price market price / SEC EPS
Market cap is unavailable
P/S
n/a
Market price market cap / SEC revenue
Market cap is unavailable
P/B
n/a
Market price market cap / SEC equity
Market cap is unavailable
PEG
n/a
P/E / EPS CAGR
P/e or positive growth is unavailable
Core assumptions
- Projection
- 5 years
- FCF growth
- 4%
- Discount rate
- 10%
- Terminal growth
- 2.5%
SEC fact inputs
- DCF base FCF
- $25.96M
- Normalized SEC FCF average
- Reported FCF
- $21.4M
- Net income
- $22.24M
- EBITDA
- n/a
- Cash
- $26.66M
- Debt
- $72.69M
- Equity
- $200.99M
- Shares
- 9,670,000
Input periods, units and SEC sources
Equity value = DCF enterprise value + cash − debt. Cash flow uses matching annual or trailing-12-month periods.
- Operating cash flow: 22,873,000.0 USD · through 2024-03-31 · prior annual + current YTD − prior YTD SEC source SEC source SEC source
- Capital expenditures: 1,471,000.0 USD · through 2024-03-31 · prior annual + current YTD − prior YTD SEC source SEC source SEC source
- Cash and equivalents: 26,662,000.0 USD · through 2024-03-31 SEC source
- Debt: 72,692,000.0 USD · through 2024-03-31 · Borrowings excluding leases SEC source SEC source
Data confidence notes
- Dcf base free cash flow: dcf base starts from trailing sec free cash flow
- Dcf base free cash flow: trailing free cash flow is below recent annual free cash flow, so dcf uses a normalized sec average
- Ticker missing for issuer
- Dcf uses fallback growth assumption because historical free cash flow growth is not positive
- Peg unavailable: market price is missing
Compare This Company Through SEC-backed Metrics
Use these links to compare CODORUS VALLEY BANCORP INC against other SEC filers on the same metric, then verify the company history from the paired facts page.
NetIncomeLoss YoY
Latest value: -7.5%
Financial Quality Score
Transparent 0-100 scoring model based on profitability, financial health, and growth factors.
8.8/100
Weak Confidence low
Return On Equity
12%
Metric score 20.7/100
Return On Assets
1%
Metric score 0.0/100
Financial Health
- Debt to Equity
- 10.44x
Strengths
No strong signals yet.
Watchpoints
Return On Equity, Return On Assets, and Debt-to-equity
Calculation methodology and other links
How we score
This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.
| Metric | Weight | V1 threshold |
|---|---|---|
| ROIC | 20 | 5% to 20% |
| ROE | 15 | 8% to 25% |
| ROA | 10 | 2% to 10% |
| Operating Margin | 5 | 5% to 25% |
| Current Ratio | 12 | 1.0x to 2.0x |
| Quick Ratio | 8 | 0.8x to 1.5x |
| Debt to Equity | 10 | 0.3x to 2.0x (lower is better) |
| Revenue YoY | 10 | -10% to +20% |
| Net Income YoY | 10 | -10% to +20% |
How Calculated (standard_v1)
Metrics are computed with a market-consensus convention designed for cross-portal comparability.
- Operating Income / Revenues using matching TTM or quarter periods; basis shown per metric
- Current Assets / Current Liabilities (latest instant quarter)
- (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
- Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
- TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
- TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
- TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
- Revenues YoY using available TTM or quarter comparison; basis shown per metric
- Net Income YoY using available TTM or quarter comparison; basis shown per metric
CIK / security context first