Catalyst Bancorp (NASDAQ:CLST – Get Free Report) and Codorus Valley Bancorp (NASDAQ:CVLY – Get Free Report) are both small-cap financial services companies, but which is the superior business? We will compare the two businesses based on the strength of their earnings, dividends, risk, institutional ownership, profitability, analyst recommendations and valuation.
Analyst Ratings
This is a summary of recent recommendations and price targets for Catalyst Bancorp and Codorus Valley Bancorp, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Catalyst Bancorp | 0 | 0 | 0 | 0 | N/A |
| Codorus Valley Bancorp | 0 | 0 | 1 | 0 | 3.00 |
Codorus Valley Bancorp has a consensus target price of $22.00, suggesting a potential downside of 1.30%. Given Codorus Valley Bancorp’s higher possible upside, analysts plainly believe Codorus Valley Bancorp is more favorable than Catalyst Bancorp.
Valuation and Earnings
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Catalyst Bancorp | $11.25 million | 4.70 | $600,000.00 | ($1.02) | -11.45 |
| Codorus Valley Bancorp | $129.76 million | 1.66 | $24.97 million | $2.31 | 9.65 |
Codorus Valley Bancorp has higher revenue and earnings than Catalyst Bancorp. Catalyst Bancorp is trading at a lower price-to-earnings ratio than Codorus Valley Bancorp, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Catalyst Bancorp and Codorus Valley Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Catalyst Bancorp | 5.35% | -4.99% | -1.54% |
| Codorus Valley Bancorp | 16.66% | 12.01% | 1.05% |
Volatility & Risk
Catalyst Bancorp has a beta of 0.13, indicating that its share price is 87% less volatile than the S&P 500. Comparatively, Codorus Valley Bancorp has a beta of 0.56, indicating that its share price is 44% less volatile than the S&P 500.
Insider and Institutional Ownership
33.1% of Catalyst Bancorp shares are held by institutional investors. Comparatively, 52.1% of Codorus Valley Bancorp shares are held by institutional investors. 5.9% of Catalyst Bancorp shares are held by insiders. Comparatively, 4.0% of Codorus Valley Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.
Summary
Codorus Valley Bancorp beats Catalyst Bancorp on 11 of the 13 factors compared between the two stocks.
About Catalyst Bancorp
Catalyst Bancorp, Inc. operates as a holding company for Catalyst Bank that provides various banking services to individuals and businesses in Louisiana. The company accepts various deposit products, including savings accounts, demand and NOW accounts, money market accounts, and certificates of deposit. It also offers single family residential first mortgage loans, commercial real estate mortgage loans, multi-family residential mortgage loans, commercial and industrial loans, construction and land loans, consumer loans, and other loans. In addition, the company invests in various types of securities comprising mortgage-backed securities, the U.S. treasury obligations, securities of various federal agencies and of state and municipal governments, certificates of deposit at federally insured banks and savings institutions, and federal funds. Catalyst Bancorp, Inc. was founded in 1922 and is headquartered in Opelousas, Louisiana.
About Codorus Valley Bancorp
Codorus Valley Bancorp, Inc. operates as the bank holding company for the PeoplesBank that provides community banking services in South Central Pennsylvania and Central Maryland. The company accepts demand, money market, time, and savings deposits, as well as certificates of deposit and checking account. It also offers commercial loans, such as builder and developer, commercial and residential real estate investor, hotel/motel, wholesale and retail, agriculture, manufacturing, and other loans; business loans; and consumer loans, including residential mortgage, home equity, and others. In addition, the company provides mortgage and wealth management services; credit cards; mobile banking and deposit; online bill pay and statement; treasury management; merchant services; and sells non-deposit investment products. The company was founded in 1864 and is headquartered in York, Pennsylvania.
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