Codorus Valley Bancorp (NASDAQ: CVLY) versus First Capital (NASDAQ: FCAP) Head-To-Head Analysis


Codorus Valley Bancorp (NASDAQ: CVLYGet Rating) and First Capital (NASDAQ: FCAPGet Rating) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, risk, valuation, profitability, analyst recommendations, earnings and dividends.

Risk & Volatility

Codorus Valley Bancorp has a beta of 0.64, indicating that its share price is 36% less volatile than the S&P 500. Comparatively, First Capital has a beta of -0.01, indicating that its share price is 101% less volatile than the S&P 500.

Dividends

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 out 42.3% of its earnings in the form of a dividend. First Capital pays out 31.6% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Codorus Valley Bancorp has raised its dividend for 1 consecutive years and First Capital has raised its dividend for 1 consecutive years. First Capital is clearly the better dividend stock, given its higher yield and lower payout ratio.

Valuation and Earnings

This table compares Codorus Valley Bancorp and First Capital’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price / Sales Ratio Net Income 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 earnings than First Capital. First Capital is trading at a lower price-to-earnings ratio than Codorus Valley Bancorp, indicating that it is currently the most affordable of the two stocks.

Insider & Institutional Ownership

51.5% of Codorus Valley Bancorp shares are held by institutional investors. Comparatively, 12.7% of First Capital shares are held by institutional investors. 4.5% of Codorus Valley Bancorp shares are held by insiders. Comparatively, 4.0% of First Capital shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for Codorus Valley Bancorp and First Capital, as reported by MarketBeat.com.

Sell ​​Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Codorus Valley Bancorp 0 0 0 0 N / A
First Capital 0 0 0 0 N / A

Profitability

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

Net Margins Return on Equity Return on Assets
Codorus Valley Bancorp 16.65% 7.40% 0.63%
First Capital 28.50% 9.69% 0.98%

Summary

First Capital beats Codorus Valley Bancorp on 7 of the 13 factors compared between the two stocks.

Codorus Valley Bancorp Company Profile (Get Rating)

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, 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 mortgage, home equity, and others. In addition, the company provides mortgage and wealth management services; and sells non-deposit investment products. 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 Rating)

First Capital, Inc. operates as the bank holding company for First Harrison Bank that provides various banking services to individuals and business customers. The company offers various deposit instruments, including non-interest bearing checking accounts, negotiable order of withdrawal accounts, money market accounts, regular savings accounts, certificates of deposit, and retirement savings plans. It also provides real estate mortgage loans, such as fixed-rate and adjustable rate mortgage residential loans, construction loans for residential and commercial properties, and commercial real estate loans, as well as commercial business loans. In addition, the company originates mortgage loans for sale in the secondary market and sells non-deposit investment products; and offers various secured or guaranteed consumer loans comprising automobile 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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