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

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

Profitability

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

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

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Access National and Codorus Valley Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Access National 0 1 3 0 2.75
Codorus Valley Bancorp 0 0 0 0 N/A

Access National presently has a consensus target price 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.

Institutional and Insider Ownership

44.2% of Access National shares are owned by institutional investors. Comparatively, 52.5% of Codorus Valley Bancorp shares are owned by institutional investors. 14.1% of Access National 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 stock is poised for long-term growth.

Earnings and Valuation

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

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

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

Volatility & Risk

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

Dividends

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

Summary

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

About Access National

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.

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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