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Codorus Valley Bancorp, Inc.
CVLYFinancial ServicesNASDAQUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $129.70M | 19.3% | $25.03M | $15.56M | N/A |
| 2027 | $137.87M | 19.3% | $26.61M | $16.54M | $15.04M |
| 2028 | $146.55M | 19.3% | $28.29M | $17.59M | $14.53M |
| 2029 | $155.79M | 19.3% | $30.07M | $18.69M | $14.05M |
| 2030 | $165.60M | 19.3% | $31.96M | $19.87M | $13.57M |
| 2031 | $176.04M | 19.3% | $33.97M | $21.12M | $13.12M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $2.59 | 2023-12-31 |
| EPS growth | +23.2% | Forecast years: 5 |
| Future EPS | $7.351 | EPS × (1 + G)^5 |
| Base P/E | 9.9 | P/E |
| Future price | $72.776 | Future EPS × P/E |
| Fair value today | $45.188 | PV @ 10.0% |
| 30% safety price | $31.632 | Margin of safety |
| 50% safety price | $22.594 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $14.155 | $17.143 | $21.219 |
| 10.0% | $11.128 | $13.331 | $16.213 |
| 11.0% | $8.741 | $10.418 | $12.543 |