Direct Analysis of Codorus Valley Bancorp (NASDAQ:CVLY) vs First Capital (NASDAQ:FCAP)
Codorus Valley Bancorp (NASDAQ: CVLY – Get a rating) and first capital (NASDAQ: FCAP – Get a rating) are both small cap finance companies, but which is the better stock? We will compare the two companies based on institutional ownership strength, risk, valuation, profitability, analyst recommendations, earnings and dividends.
Risk and Volatility
Codorus Valley Bancorp has a beta of 0.64, indicating that its stock price is 36% less volatile than the S&P 500. In comparison, First Capital has a beta of -0.01, indicating that its stock price is its stock is 101% less volatile than the S&P 500.
Codorus Valley Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 2.5%. First Capital pays an annual dividend of $1.04 per share and has a dividend yield of 2.8%. Codorus Valley Bancorp pays 42.3% of its profits as a dividend. First Capital pays 31.6% of its profits as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. Codorus Valley Bancorp has increased its dividend for 1 consecutive year and First Capital has increased its dividend for 1 consecutive year. First Capital is clearly the better dividend-paying stock, given its higher yield and lower payout ratio.
Valuation and benefits
This table compares the revenue, earnings per share (EPS), and valuation of Codorus Valley Bancorp and First Capital.
|Gross revenue||Price/sales ratio||Net revenue||Earnings per share||Price/earnings ratio|
|Codorus Valley Bancorp||$88.06 million||2.59||$14.66 million||$1.42||16.83|
|First capital||$39.01 million||3.20||$11.42 million||$3.29||11.24|
Codorus Valley Bancorp has higher revenue and profit than First Capital. First Capital trades at a lower price-to-earnings ratio than Codorus Valley Bancorp, indicating that it is currently the more affordable of the two stocks.
Insider and Institutional Ownership
51.5% of the shares of Codorus Valley Bancorp are held by institutional investors. By comparison, 12.7% of First Capital’s shares are held by institutional investors. 4.5% of Codorus Valley Bancorp shares are held by insiders. By comparison, 4.0% of First Capital’s shares are held by insiders. Strong institutional ownership indicates that hedge funds, large fund managers, and endowments believe a stock is ripe for long-term growth.
This is a breakdown of the current ratings and recommendations for Codorus Valley Bancorp and First Capital, as reported by MarketBeat.com.
|Sales Ratings||Hold odds||Buy reviews||Strong buy odds||Rating|
|Codorus Valley Bancorp||0||0||0||0||N / A|
|First capital||0||0||0||0||N / A|
This table compares the net margins, return on equity and return on assets of Codorus Valley Bancorp and First Capital.
|Net margins||Return on equity||return on assets|
|Codorus Valley Bancorp||16.65%||7.40%||0.63%|
First Capital beats Codorus Valley Bancorp on 7 out of 13 factors compared between the two stocks.
Codorus Valley Bancorp Company Profile (Get a rating)
Codorus Valley Bancorp, Inc. operates as a bank holding company for PeoplesBank which provides community banking services. The company accepts demand, money market, term and savings deposits, as well as certificates of deposit. It also offers commercial loans, such as builder and developer, commercial and residential real estate investor, hotel/motel, wholesale and retail, agriculture, manufacturing and other loans; consume loans including residential mortgages, home equity and others. Additionally, the company provides mortgage and wealth management services; and sells investment products other than deposits. It operates through twenty-five full-service financial centers located in south-central Pennsylvania and central Maryland. The company was founded in 1864 and is headquartered in York, Pennsylvania.
First Capital Company Profile (Get a rating)
First Capital, Inc. operates as a bank holding company for First Harrison Bank which provides various personal and corporate banking services. The company offers a variety of deposit instruments, including non-interest bearing checking accounts, negotiable promissory withdrawal accounts, money market accounts, ordinary savings accounts, certificates of deposit and retirement savings plans. . It also offers real estate mortgages, such as fixed and variable rate residential mortgages, residential and commercial property construction loans, commercial real estate loans, as well as commercial business loans. In addition, the company issues mortgages for sale in the secondary market and sells non-deposit investment products; and offers a variety of secured or secured consumer loans including car and truck loans, home equity loans, home improvement loans, boat loans, mobile home loans and loans secured by savings deposits, as well as unsecured consumer loans. It provides its products and services through 18 locations in Indiana and Kentucky. First Capital, Inc. was founded in 1891 and is based in Corydon, Indiana.
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