CLDB — Stock Film
STOCK FILMSCENE 1/9CLDB · $28.47
Stock Expert AI presents
CLDB
Cortland Bancorp
~3 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
Cortland Bancorp. A quick introduction.

On the stock market since 1993, it operates in the world of money and finance. It has 151 employees. Now — the numbers.

on the stock market since 1993
151 employees
$0 market value
Revenue last year:
$0
The net profit left over:
$0
Out of every $100 in sales, $27 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 27%

This is an established company with proven profits.

WHERE DOES THE MONEY COME FROM?
31%Product and Service, Other
Product and Service, Other 31%Fees, Exchange, and Other Service Charges 30%Overdraft Fees 24%Financial Service 14%Financial Service, Other <1%
31% of all revenue comes from a single line: Product and Service, Other.

Revenue is spread across several business lines; no single line carries the company.

THE SALES TREND
Sales are growing overall, with a pause along the way.

Average growth of 6% a year over the last 4 years. Every year shown ended in profit.

$24.2M
2016
$25.5M
2017
$29.1M
2018
$29.1M
2019
$30.8M
2020
THE FIVE-YEAR JOURNEY
Bumpy, but the direction is up.

The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.

1
THE BRIGHT SIDE · 1/2
A fat profit margin

The net profit margin is 27% — the profit kept from each dollar of revenue is the company’s cushion in hard quarters.

2
THE BRIGHT SIDE · 2/2
Pays a steady dividend

It pays out $0.63 per share each year — regular cash for whoever holds the stock.

THE RISKS

Nothing in the current numbers stands out as a clear risk. Still, no stock is ever risk-free.

FINALE · THE GRADE
F
0 / 100 · MoonshotScore

On our five-subject report card, CLDB sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”

The takeaway: CLDB is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.

What would you like to do next?
Open the stock page →
This was a film — not investment advice.
Data: FMP & company filings
Aug 21, 2026 · stockexpertai.com · Stock Film