Head-To-Head Comparison: FFBW (NASDAQ:FFBW) and Codorus Valley Bancorp (NASDAQ:CVLY)
FFBW (NASDAQ:FFBW) and Codorus Valley Bancorp (NASDAQ:CVLY) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their valuation, institutional ownership, profitability, earnings, dividends, risk and analyst recommendations.
This is a breakdown of recent recommendations and price targets for FFBW and Codorus Valley Bancorp, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Codorus Valley Bancorp||0||0||0||0||N/A|
Earnings and Valuation
This table compares FFBW and Codorus Valley Bancorp’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|FFBW||$11.31 million||5.67||$1.06 million||N/A||N/A|
|Codorus Valley Bancorp||$93.64 million||2.24||$19.54 million||N/A||N/A|
Codorus Valley Bancorp has higher revenue and earnings than FFBW.
This table compares FFBW and Codorus Valley Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Codorus Valley Bancorp||18.78%||10.16%||1.01%|
Insider & Institutional Ownership
4.0% of FFBW shares are owned by institutional investors. Comparatively, 52.6% of Codorus Valley Bancorp shares are owned by institutional investors. 2.9% of FFBW shares are owned by insiders. Comparatively, 3.9% of Codorus Valley Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Codorus Valley Bancorp pays an annual dividend of $0.64 per share and has a dividend yield of 2.9%. FFBW does not pay a dividend. Codorus Valley Bancorp has increased its dividend for 7 consecutive years.
Volatility and Risk
FFBW has a beta of 0.43, indicating that its share price is 57% less volatile than the S&P 500. Comparatively, Codorus Valley Bancorp has a beta of 0.7, indicating that its share price is 30% less volatile than the S&P 500.
Codorus Valley Bancorp beats FFBW on 10 of the 12 factors compared between the two stocks.
FFBW, Inc. is the holding company of First Federal Bank of Wisconsin (the Bank). First Federal Bank of Wisconsin is a federally chartered mutual savings bank. The Bank’s business consists primarily of taking deposits from the general public and investing those deposits, together with funds generated from operations, in one-to four-family residential owner-occupied real estate loans, one-to four-family residential investor-owned real estate loans, multifamily loans and commercial real estate loans, and, to a lesser extent, commercial and industrial loans, commercial development loans and consumer loans. The Bank invests in various types of liquid assets, including the United States Treasury obligations, securities of various government-sponsored enterprises and municipal governments, deposits at the Federal Home Loan Bank of Chicago. At March 31, 2017, the Bank had total deposits of 180.5 million. At March 31, 2017, the Bank had net loans of 165,697 thousand.
About Codorus Valley Bancorp
Codorus Valley Bancorp, Inc. operates as the bank holding company for the PeoplesBank that provides community banking services. The company accepts demand, money market, time, and savings deposits. It also offers commercial real estate, industrial, and construction loans; commercial loans, such as builder and developer, commercial and residential real estate investor, hotel/motel, wholesale and retail, agriculture, manufacturing, and other loans; and consumer loans, including residential mortgage, home equity, and other loans. In addition, it provides personal and mortgage banking, wealth management, and real estate settlement services; and sells non-deposit investment products. As of December 31, 2018, the company operated 26 full service financial centers located in South Central Pennsylvania primarily in York and Lancaster County; and Baltimore County, Baltimore City, and Harford County in Central Maryland. Codorus Valley Bancorp, Inc. was founded in 1864 and is headquartered in York, Pennsylvania.
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