Capitol Federal Financial (CFFN) versus Codorus Valley Bancorp (CVLY) Critical Analysis

Capitol Federal Financial (NASDAQ: CFFN) and Codorus Valley Bancorp (NASDAQ:CVLY) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their earnings, valuation, dividends, risk, profitability, analyst recommendations and institutional ownership.

Institutional and Insider Ownership

74.5% of Capitol Federal Financial shares are owned by institutional investors. Comparatively, 53.8% of Codorus Valley Bancorp shares are owned by institutional investors. 2.2% of Capitol Federal Financial shares are owned by insiders. Comparatively, 3.9% of Codorus Valley Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Profitability

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

Net Margins Return on Equity Return on Assets
Capitol Federal Financial 28.17% 6.59% 0.98%
Codorus Valley Bancorp 14.98% 9.41% 0.91%

Dividends

Capitol Federal Financial pays an annual dividend of $0.34 per share and has a dividend yield of 2.6%. Codorus Valley Bancorp pays an annual dividend of $0.62 per share and has a dividend yield of 2.0%.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Capitol Federal Financial and Codorus Valley Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Capitol Federal Financial 0 2 0 0 2.00
Codorus Valley Bancorp 0 0 0 0 N/A

Capitol Federal Financial currently has a consensus price target of $13.75, indicating a potential upside of 3.62%. Given Capitol Federal Financial’s higher probable upside, analysts plainly believe Capitol Federal Financial is more favorable than Codorus Valley Bancorp.

Volatility & Risk

Capitol Federal Financial has a beta of 0.5, meaning that its share price is 50% less volatile than the S&P 500. Comparatively, Codorus Valley Bancorp has a beta of 0.63, meaning that its share price is 37% less volatile than the S&P 500.

Earnings and Valuation

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

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Capitol Federal Financial $335.38 million 5.47 $84.13 million N/A N/A
Codorus Valley Bancorp $81.94 million 3.46 $12.00 million N/A N/A

Capitol Federal Financial has higher revenue and earnings than Codorus Valley Bancorp.

Summary

Capitol Federal Financial beats Codorus Valley Bancorp on 9 of the 12 factors compared between the two stocks.

About Capitol Federal Financial

Capitol Federal Financial, Inc. operates as the holding company for Capitol Federal Savings Bank that provides various retail banking products and services in the United States. The company accepts a range of deposit products comprising savings accounts, money market accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposits. It also provides various loan products, such as one- to four-family residential real estate loans; construction-to-permanent loans; consumer loans comprising home equity loans and lines of credit, home improvement loans, auto loans, and loans secured by savings deposits; and commercial real estate loans consisting of various property types, including hotels, office and retail buildings, senior housing facilities, and multi-family dwellings located in Texas, Missouri, Kansas, Nebraska, Colorado, Arkansas, California, and Montana. In addition, the company offers mobile, telephone, and online banking services, as well as bill payment services; operates a call center; and invests in various securities. It operates a network of 47 branches, which include 37 traditional branches and 10 in-store branches located in 9 counties throughout Kansas and 3 counties in Missouri. The company was founded in 1893 and is headquartered in Topeka, Kansas.

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.

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