Codorus Valley Bancorp Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Codorus Valley Bancorp Inc (CVLY) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Codorus Valley Bancorp Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 93M vs 37,184M combined for tracked competitors (0.3% combined share).
- Trending: Latest-quarter revenue run-rate is decelerating (-6.9% annualized vs trailing 12 months), vs decelerating (-76.0%) for its tracked peer group.
- Growth: Codorus Valley Bancorp Inc generated -8.8% revenue growth year over year in Q1 2024, vs -70.5% for its tracked competitors combined.
- Profitability: Its 19.6% net margin compares with 59.7% for the peer group.
- Peer revenue share: Codorus Valley Bancorp Inc accounted for 1.0% of combined revenue among its tracked peer group, up from 0.3% a year earlier.
- Peer differentiation: Revenue per employee of $0.46M compares with $0.24M for the peer group (2.0x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
CVLY Sales vs. its Competitors, Q1 2024
Codorus Valley Bancorp Inc reported revenue contraction of 8.80 % year on year in Q1 2024, above its competitors' combined revenue change of -70.54 %.
With a net margin of 19.61 %, Codorus Valley Bancorp Inc reported lower profitability than its competitors (59.72 %).
Codorus Valley Bancorp Inc generated 0.96 % of the combined sales of its peer group, up from 0.31 % a year earlier.
Codorus Valley Bancorp Inc vs. its Competitors, Q1 2024
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Codorus Valley Bancorp Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Codorus Valley Bancorp Inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar Growth & Profitability (2) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Codorus Valley Bancorp Inc's competitor groups requires a Commercial License.
For context: the S&Ls Savings Banks industry grew revenue 2,106.4% year over year, combined, vs -8.8% for Codorus Valley Bancorp Inc. Codorus Valley Bancorp Inc's share of combined industry revenue moved from 0.47% to 0.02%, a loss of 0.45 percentage points.
Codorus Valley Bancorp Inc's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Codorus Valley Bancorp Inc | Yes | Yes | No | No |
| Competitors combined (29) | ||||
| Similar Growth & Profitability (8) | 100.00 % (8 of 8) | 62.50 % (5 of 8) | 0.00 % (0 of 8) | 75.00 % (6 of 8) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
CVLY Stock Performance relative to its Competitors
CVLY Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Financial Institutions Inc | 282.9% | Outperformed |
| 2 | Acnb Corporation | 282.9% | Outperformed |
| 3 | Univest Financial Corporation | 282.9% | Outperformed |
| 4 | Bank Of Montreal | 282.9% | Outperformed |
| 5 | Citizens and Northern Corporation | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Codorus Valley Bancorp Inc's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Codorus Valley Bancorp Inc's Comment on Competition and Industry Peers
Publicly Traded Peers of Codorus Valley Bancorp Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Codorus Valley Bancorp Inc | 232.48 | 93.22 |
| Bank Of Montreal | 123,787.15 | 27,785.88 |
| Bank Bradesco | 17,745.97 | 118.96 |
| First Bancorp | 4,125.38 | 954.21 |
| Banc Of California Inc | 2,751.48 | 1,016.11 |
| First Bancorp | 2,609.55 | 410.68 |
| SUBTOTAL | 157,693.77 | 37,309.01 |
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Sources: Codorus Valley Bancorp Inc's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Codorus Valley Bancorp Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Codorus Valley Bancorp Inc's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| First Bancorp | Named by the company | 85% |
| Federal Home Loan Bank Of Topeka | Named by the company | 85% |
| Federal Home Loan Bank Of Atlanta | Named by the company | 85% |
| First Bancorp | Named by the company | 85% |
| Federal Home Loan Bank Of Chicago | Named by the company | 85% |
| Two | Named by the company | 85% |
| Financial Institutions Inc | Named by the company | 85% |
| Federal Home Loan Bank Of Cincinnati | Named by the company | 85% |
| Federal Home Loan Bank Of Indianapolis | Named by the company | 85% |
| Bank Bradesco | Named by the company | 85% |
| Federal Home Loan Bank Of Boston | Named by the company | 85% |
| Bank Of Montreal | Named by the company | 85% |
| Federal Home Loan Bank Of Pittsburgh | Named by the company | 85% |
| Federal Home Loan Bank Of Dallas | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Codorus Valley Bancorp Inc's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
Codorus Valley Bancorp Inc's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Univest Financial Corporation | Banking1 85.57 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
Codorus Valley Bancorp Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Codorus Valley Bancorp Inc | 232 | 463,761 | 110,627 |
| Bank Of Montreal | 123,787 | 617,464 | 148,519 |
| Bank Bradesco | 17,746 | 1,449 | 55,371 |
| First Bancorp | 4,125 | 296,523 | 115,773 |
| Banc Of California Inc | 2,751 | 533,670 | -11,752 |
| First Bancorp | 2,610 | 298,892 | 96,823 |
| PEERS TOTAL | 157,461 | 237,752 | 103,174 |
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Codorus Valley Bancorp Inc's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the S&Ls Savings Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (61 companies). See the full S&Ls Savings Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 98.36 % | 58.30 % (avg) | +40.1 pp |
| Operating Margin | 30.36 % | industry median | +8.4 pp |
| EBITDA Margin | 50.45 % | 37.67 % (avg) | +12.8 pp |
| Capital Intensity (Capex / Revenue) | 1.58 % | 3.69 % (avg) | -2.1 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Codorus Valley Bancorp Inc's Valuation vs Competitive Position
Valuation multiples vs the S&Ls Savings Banks industry average (61 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full S&Ls Savings Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 9.7x | 29.5x | -19.8x |
| EV / EBITDA | 6.6x | 10.9x | -4.3x |
| P/B | 1.1x | 1.1x | 0.0x |
| Return on Equity | 11.55 % | industry aggregate | 3.56 % |
| Return on Invested Capital | 1.18 % | 2.28 % (avg) | -1.10 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Codorus Valley Bancorp Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 13.56 % | 10.37 % | 11.42 % | 1.16 % | -18.20 % | 21.28 % | 15.08 % | 10.72 % |
| Operating Margin | - | 88.94 % | 33.17 % | 31.39 % | 16.98 % | 24.85 % | 25.50 % | 33.41 % |
| Return on Invested Capital | - | 12.62 % | 5.11 % | 4.85 % | 2.27 % | 3.92 % | 0.89 % | 1.33 % |
| P/E | 16.5x | 21.3x | 11.3x | 11.8x | 19.5x | 14.7x | 11.1x | 8.8x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Codorus Valley Bancorp Inc's Strategic Group Map
Every company in Codorus Valley Bancorp Inc's industry and named-competitor list, plotted by trailing 12-month revenue growth and operating margin. Codorus Valley Bancorp Inc is shown in red; its closest peers by combined growth, margin and ROIC (the Similar Growth & Profitability group above) are labeled.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
Codorus Valley Bancorp Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 1.58 % vs industry average 3.69 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Codorus Valley Bancorp Inc's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Codorus Valley Bancorp Inc's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Codorus Valley Bancorp Inc's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Codorus Valley Bancorp Inc falls in the High attractiveness / Medium strength cell: Invest / Grow.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Codorus Valley Bancorp Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Operating margin 8.4 points above the industry median.
Weaknesses
- Latest-quarter revenue run-rate is decelerating (-6.9% annualized vs trailing 12 months).
Opportunities
- A meaningful share of tracked competitors (44.80 %) show financial-distress signals, a possible opening to gain share.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-76.0% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Codorus Valley Bancorp Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Codorus Valley Bancorp Inc | - | 1.06 | 0.49 |
| Bank Of Montreal | 1,134.18 | 13,402.64 | - |
| Bank Bradesco | - | 6.18 | - |
| First Bancorp | 0.05 | 0.53 | 0.14 |
| Banc Of California Inc | 0.08 | 0.82 | 0.65 |
| First Bancorp | 0.01 | 0.05 | 0.05 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Codorus Valley Bancorp Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Codorus Valley Bancorp Inc | Q1 2024 | -8.8 % | -39.1 % |
| Bank Of Montreal | Q3 2025 | +10.6 % | +19.1 % |
| Bank Bradesco | Q4 2025 | -71.8 % | +36.4 % |
| First Bancorp | Q2 2026 | +9.4 % | +19.9 % |
| Banc Of California Inc | Q2 2026 | -22.8 % | - |
| First Bancorp | Q2 2026 | +15.9 % | +30.4 % |
| PEERS TOTAL | +9.4 % | +20.0 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Codorus Valley Bancorp Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Codorus Valley Bancorp Inc | Q1 2024 | +81.1 % | -83.2 % |
| Bank Of Montreal | Q3 2025 | - | - |
| Bank Bradesco | Q4 2025 | - | +118.7 % |
| First Bancorp | Q2 2026 | +1,584.5 % | +93.1 % |
| Banc Of California Inc | Q2 2026 | +313.8 % | +106.5 % |
| First Bancorp | Q2 2026 | -47.2 % | -26.1 % |
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Codorus Valley Bancorp Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Codorus Valley Bancorp Inc | 1.01% | 1.01% | 11.55% |
| Bank Of Montreal | 0.59% | 0.45% | 9.90% |
| Bank Bradesco | 1.03% | 1.03% | 13.37% |
| First Bancorp | 1.94% | 5.76% | 19.03% |
| Banc Of California Inc | - | - | - |
| First Bancorp | 1.04% | 2.84% | 7.99% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Codorus Valley Bancorp Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Codorus Valley Bancorp Inc | 10.41 | 2.49 |
| Bank Of Montreal | 23.49 | 4.46 |
| Bank Bradesco | 0.75 | 149.18 |
| First Bancorp | 11.34 | 4.32 |
| Banc Of California Inc | - | 2.71 |
| First Bancorp | 19.60 | 6.35 |
| PEERS AVERAGE | 9.75 | 4.23 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.