Comparing Codorus Valley Bancorp (CVLY) & Flagstar Bancorp (FBC)

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

Dividends

Codorus Valley Bancorp pays an annual dividend of $0.62 per share and has a dividend yield of 2.4%. Flagstar Bancorp does not pay a dividend. Codorus Valley Bancorp has raised its dividend for 6 consecutive years.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for Codorus Valley Bancorp and Flagstar Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Codorus Valley Bancorp 0 0 0 0 N/A
Flagstar Bancorp 0 1 6 0 2.86

Flagstar Bancorp has a consensus target price of $41.50, indicating a potential upside of 29.61%. Given Flagstar Bancorp’s higher probable upside, analysts plainly believe Flagstar Bancorp is more favorable than Codorus Valley Bancorp.

Risk & Volatility

Codorus Valley Bancorp has a beta of 0.57, indicating that its share price is 43% less volatile than the S&P 500. Comparatively, Flagstar Bancorp has a beta of 0.89, indicating that its share price is 11% less volatile than the S&P 500.

Profitability

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

Net Margins Return on Equity Return on Assets
Codorus Valley Bancorp 18.33% 11.66% 1.12%
Flagstar Bancorp 7.89% 11.62% 0.95%

Earnings & Valuation

This table compares Codorus Valley Bancorp and Flagstar Bancorp’s 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 2.93 $12.00 million N/A N/A
Flagstar Bancorp $997.00 million 1.85 $63.00 million $2.47 12.96

Flagstar Bancorp has higher revenue and earnings than Codorus Valley Bancorp.

Insider & Institutional Ownership

51.3% of Codorus Valley Bancorp shares are held by institutional investors. Comparatively, 93.8% of Flagstar Bancorp shares are held by institutional investors. 3.9% of Codorus Valley Bancorp shares are held by company insiders. Comparatively, 62.9% of Flagstar Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Summary

Flagstar Bancorp beats Codorus Valley Bancorp on 8 of the 14 factors compared between the two stocks.

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 Flagstar Bancorp

Flagstar Bancorp, Inc. operates as a savings and loan holding company for Flagstar Bank, FSB that provides commercial, small business, and consumer banking services to individuals and businesses in the United States. Its Community Banking segment offers various products, such as checking accounts, savings accounts, money market accounts, certificates of deposit, consumer and commercial loans, commercial real estate loans, equipment finance and leasing, home builder finance loans, and warehouse lines of credit. It also provides other financial services, including consumer and corporate card services, customized treasury management solutions, merchant services, and capital markets services, such as loan syndications, as well as wealth management products and services. This segment serves consumer, business, and mortgage lending customers through its branch banking, business and commercial banking, government banking, warehouse lending, and loans held-for-investment (LHFI) portfolio groups. The company's Mortgage Originations segment originates, acquires, and sells one-to-four family residential mortgage loans through home loan and national call centers, Internet and unaffiliated banks, mortgage banking, and brokerage companies. Its Mortgage Servicing segment offers services and subservices mortgage loans; and the servicing of residential mortgages for its LHFI portfolio, as well as noninterest-bearing escrow services. As of January 23, 2018, the company provided banking services through 99 branches in Michigan; and home loans through a wholesale network of brokers and correspondents in 50 states, as well as 89 retail locations in 29 states. Flagstar Bancorp, Inc. was founded in 1987 and is headquartered in Troy, Michigan.

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