Codorus Valley Bancorp (NASDAQ:CVLY) and Access National (NASDAQ:ANCX) Financial Analysis

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

Dividends

Codorus Valley Bancorp pays an annual dividend of $0.64 per share and has a dividend yield of 2.8%. Access National pays an annual dividend of $0.68 per share and has a dividend yield of 2.9%. Access National pays out 38.6% of its earnings in the form of a dividend.

Insider and Institutional Ownership

52.5% of Codorus Valley Bancorp shares are held by institutional investors. Comparatively, 44.2% of Access National shares are held by institutional investors. 3.9% of Codorus Valley Bancorp shares are held by company insiders. Comparatively, 14.1% of Access National shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Valuation & Earnings

This table compares Codorus Valley Bancorp and Access National’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Codorus Valley Bancorp $93.64 million 2.29 $19.54 million N/A N/A
Access National $143.74 million 3.46 $35.38 million $1.76 13.41

Access National has higher revenue and earnings than Codorus Valley Bancorp.

Analyst Recommendations

This is a summary of current recommendations and price targets for Codorus Valley Bancorp and Access National, 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
Access National 0 1 3 0 2.75

Access National has a consensus price target of $32.00, indicating a potential upside of 35.54%. Given Access National’s higher possible upside, analysts plainly believe Access National is more favorable than Codorus Valley Bancorp.

Risk and Volatility

Codorus Valley Bancorp has a beta of 0.71, meaning that its stock price is 29% less volatile than the S&P 500. Comparatively, Access National has a beta of 1.01, meaning that its stock price is 1% more volatile than the S&P 500.

Profitability

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

Net Margins Return on Equity Return on Assets
Codorus Valley Bancorp 20.38% 11.08% 1.08%
Access National 24.62% 8.49% 1.26%

Summary

Access National beats Codorus Valley Bancorp on 11 of the 14 factors compared between the two stocks.

Codorus Valley Bancorp Company Profile

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.

Access National Company Profile

Access National Corporation operates as the bank holding company for Access National Bank that provides credit, deposit, mortgage, and wealth management services to small and medium sized businesses, professionals, and associated individuals primarily in the greater Washington, D.C. Metropolitan Area. The company operates through three segments: Commercial Banking, Mortgage Banking, and Wealth Management. It offers checking, savings/money market, sweep, and zero balance accounts; investment management, financial planning, lockbox payment processing, payroll, and retirement account services, as well as certificates of deposit, qualified and employer sponsored retirement plans, and overnight investments; and loan products, including residential mortgage, asset secured, business investment, construction, and lot and land loans. In addition, the company provides lending products, such as accounts receivable lines of credit and collection; growth capital term loans; partner buyout funding; business acquisition, franchise, and equipment financing, as well as debt re-financing; and commercial mortgage and construction, and SBA preferred lender loans. The company operates from 15 banking centers located in Chantilly, Tysons, Reston, Leesburg, Manassas, Arlington, Alexandria, Ashburn, Gainesville, Marshall, Middleburg, Purcellville, Richmond, and Warrenton in Virginia. Access National Corporation was founded in 1999 and is headquartered in Reston, Virginia.

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