Codorus Valley Bancorp (CVLY) and BankFinancial (BFIN) Head-To-Head Review

Codorus Valley Bancorp (NASDAQ: CVLY) and BankFinancial (NASDAQ:BFIN) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their analyst recommendations, earnings, institutional ownership, profitability, dividends, valuation and risk.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for Codorus Valley Bancorp and BankFinancial, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Codorus Valley Bancorp 0 0 0 0 N/A
BankFinancial 0 1 1 0 2.50

BankFinancial has a consensus target price of $16.88, suggesting a potential downside of 6.61%. Given BankFinancial’s higher possible upside, analysts clearly believe BankFinancial is more favorable than Codorus Valley Bancorp.

Risk & Volatility

Codorus Valley Bancorp has a beta of 0.62, indicating that its share price is 38% less volatile than the S&P 500. Comparatively, BankFinancial has a beta of 0.44, indicating that its share price is 56% less volatile than the S&P 500.

Earnings and Valuation

This table compares Codorus Valley Bancorp and BankFinancial’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Codorus Valley Bancorp $81.94 million 3.31 $12.00 million N/A N/A
BankFinancial $62.59 million 5.12 $9.00 million $0.63 28.68

Codorus Valley Bancorp has higher revenue and earnings than BankFinancial.

Dividends

Codorus Valley Bancorp pays an annual dividend of $0.62 per share and has a dividend yield of 2.0%. BankFinancial pays an annual dividend of $0.36 per share and has a dividend yield of 2.0%. BankFinancial pays out 57.1% of its earnings in the form of a dividend.

Profitability

This table compares Codorus Valley Bancorp and BankFinancial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Codorus Valley Bancorp 14.98% 9.41% 0.91%
BankFinancial 16.70% 6.63% 0.82%

Institutional and Insider Ownership

53.8% of Codorus Valley Bancorp shares are owned by institutional investors. Comparatively, 62.0% of BankFinancial shares are owned by institutional investors. 3.9% of Codorus Valley Bancorp shares are owned by company insiders. Comparatively, 15.2% of BankFinancial shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

About Codorus Valley Bancorp

Codorus Valley Bancorp, Inc. operates as the bank holding company for the PeoplesBank that provides various business and consumer banking services. The company accepts demand, money market, time, and savings deposits. It also offers commercial real estate loans; industrial loans; 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, 2017, the company operated 26 full service financial centers located in York, Cumberland, and Lancaster counties in Pennsylvania, as well as Baltimore, Harford, and Carroll counties in Maryland. Codorus Valley Bancorp, Inc. was founded in 1864 and is headquartered in York, Pennsylvania.

About BankFinancial

BankFinancial Corporation operates as the holding company for BankFinancial, National Association that provides commercial, family, and personal banking products and services in Illinois. The company accepts various deposit products, such as savings, NOW, checking, money market, IRA, and other retirement accounts, as well as certificates of deposit. It also offers multi-family and nonresidential real estate, construction and land, and commercial loans, as well as commercial leases; consumer loans; and one-to-four family residential mortgage loans, including home equity loans and lines of credit. In addition, the company provides various financial products and services, such as cash management, fund transfer, bill payment and other online and mobile banking transactions, automated teller machines, safe deposit boxes, trust, wealth management, and general insurance agency. Further, it offers financial planning services; and sells property and casualty, and other insurance products on an agency basis. It operates 19 full-service banking offices located in Cook, DuPage, Lake, and Will Counties. BankFinancial Corporation was founded in 1924 and is headquartered in Burr Ridge, Illinois.

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