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Cortland Bancorp (CLDB)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
CSV downloads as a ZIP archive with one file for each report and frequency.
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TelegramCortland Bancorp Financial Ratios 2020-2011 | CLDB
Brief overview of Cortland Bancorp's multiples and efficiency
Current figures are compared with the company's own five-year history for 2016–2020.
The latest available valuation ratios are P/E 8.63x (median 11.76x), P/B 0.88x (median 1.37x), P/CF 7.5x (median 7.93x). On average, this basket is 26.6% below its own five-year medians. The market values the business at a discount to recent history.
Current earnings relative to valuation equal about 11.6% on the 1/P/E measure. This is a valuation reference, not an expected payout.
The latest available business-quality ratios are ROE 10.2%, ROA 1%, ROCE 2.9%. Quality ratios send a mostly positive signal: resources are productive, with room for improvement.
PEG of 0.63x shows valuation is not outpacing embedded growth. The conclusion depends on earnings durability.
For financial institutions, P/B, ROE and ROA are particularly relevant, while EV/EBITDA and ordinary liquidity ratios have limited comparability.
Valuation takeaway
Cortland Bancorp combines strong fundamental efficiency with valuation below its own five-year norm. The discount merits attention but should be checked against sector and financial risks.
Annual Financial Ratios Cortland Bancorp
| 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E |
8.6 | 11.8 | 10.0 | 21.6 | 16.2 | 15.9 | 18.6 | 28.1 | 15.2 | 8.0 |
P/S |
2.3 | 2.9 | 3.1 | 3.7 | 3.3 | 3.1 | 3.3 | 2.6 | 2.1 | 1.6 |
EV/EBITDA |
2.2 | - | - | - | - | - | - | - | - | - |
PEG |
0.63 | -0.67 | 0.09 | -2.0 | 1.12 | 1.13 | 0.16 | -0.49 | 6.85 | 0.32 |
P/B |
0.9 | 1.2 | 1.4 | 1.5 | 1.4 | 1.2 | 1.3 | 1.0 | 0.9 | 0.7 |
P/CF |
7.5 | 16.1 | 7.9 | 11.3 | 6.3 | -76.3 | 13.5 | 1.9 | -2.8 | 4.1 |
ROE % |
10.20 | 9.80 | 13.61 | 7.06 | 8.45 | 7.72 | 6.93 | 3.60 | 5.89 | 8.91 |
ROA % |
1.01 | 0.99 | 1.24 | 0.61 | 0.74 | 0.71 | 0.68 | 0.32 | 0.50 | 0.78 |
ROCE % |
2.86 | - | - | - | - | - | - | - | - | - |
Annual performance
Select metrics to display
All numbers in USD currency
Multiples are an important financial analysis tool for the company Cortland Bancorp, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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