Codorus Valley Bancorp, Inc. (CVLY)

Codorus Valley Bancorp, Inc. (CVLY) — VMCI valuation read

CVLY prints VMCI 56/100 inside the Financial Services sector, where the median sits at 50. The 6-point above-median delta is the cleanest single-number summary of Codorus Valley Bancorp, Inc.'s composite stance, and in the mid-cap bucket it places the share ahead of the typical peer on the five-pillar mix.

On CVLY, the SEC EDGAR Form 4 stream shows no insider buys or sells in the past 30 days. Quiet tapes happen; they just remove a signal that bull and bear cases sometimes lean on for confirmation.

**Investor frame.** CVLY trades at 18.0x earnings, 0% above the Financial Services median of 18.0x; that is the value line. ROIC of 10.0% sits 0.0pp above the Financial Services median (10.0%); that is the quality line. net debt to EBITDA of 0.8x leaves covenant headroom; that is the risk line for Codorus Valley Bancorp, Inc. on the trailing financials.

CVLY fell 3.3% over the trailing 7 days, with a -11.3% read on a 30-day basis.