Community Investors Bancorp (OTCMKTS:CIBN) and Codorus Valley Bancorp (NASDAQ:CVLY) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their risk, profitability, dividends, institutional ownership, valuation, analyst recommendations and earnings.
Dividends
Community Investors Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 2.0%. Codorus Valley Bancorp pays an annual dividend of $0.64 per share and has a dividend yield of 2.9%.
This table compares Community Investors Bancorp and Codorus Valley Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Community Investors Bancorp | N/A | N/A | N/A |
| Codorus Valley Bancorp | 18.77% | 10.02% | 1.01% |
Institutional and Insider Ownership
48.9% of Codorus Valley Bancorp shares are owned by institutional investors. 15.8% of Community Investors Bancorp shares are owned by company insiders. Comparatively, 3.9% of Codorus Valley Bancorp shares are owned 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.
Volatility and Risk
Community Investors Bancorp has a beta of 0.08, meaning that its share price is 92% less volatile than the S&P 500. Comparatively, Codorus Valley Bancorp has a beta of 0.68, meaning that its share price is 32% less volatile than the S&P 500.
Analyst Ratings
This is a breakdown of recent recommendations and price targets for Community Investors Bancorp and Codorus Valley Bancorp, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Community Investors Bancorp | 0 | 0 | 0 | 0 | N/A |
| Codorus Valley Bancorp | 0 | 0 | 0 | 0 | N/A |
Earnings & Valuation
This table compares Community Investors Bancorp 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 | |
| Community Investors Bancorp | $7.61 million | 1.92 | $460,000.00 | N/A | N/A |
| Codorus Valley Bancorp | $93.64 million | 2.29 | $19.54 million | N/A | N/A |
Codorus Valley Bancorp has higher revenue and earnings than Community Investors Bancorp.
Summary
Codorus Valley Bancorp beats Community Investors Bancorp on 9 of the 10 factors compared between the two stocks.
About Community Investors Bancorp
Community Investors Bancorp, Inc. operates as the bank holding company for First Federal Community Bank of Bucyrus that provides personal and commercial banking services in Ohio. It accepts checking and savings accounts, individual retirement accounts, time deposits, and health savings accounts. The company offers consumer loans, including personal, auto, home equity, and home improvement loans; commercial loans, such as real estate, term, business expansion, construction, and SBA loans; and mortgages. It also provides Internet and telephone banking, debit cards, night depositary and shareholder services, merchant services, and financial planning and investment advice services. The company was founded in 1888 and is based in Bucyrus, Ohio.
About Codorus Valley Bancorp
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.
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