KIK, (On CVLY) I know I'm not 10bagger, but I will share with you my opinion.
At first I got real excited they earned .21. Growth in Interest income. Has a dividend, trades at huge discount to book value.
Then I seen something I wasn't very crazy about is the constant rise of nonperforming asset, to me that is always a sign to not like.
CVLY (Non Performing Assets)
q4 08 1.83%
q1 09 2.92%
q2 09 3.29%
q3 09 3.98%
q4 09 5.33%
Maybe it is me just being picky, but I do not like CVLY for this reason, and would not buy it. Wishing you the best with CVLY. All is just my opinion, and I could always be wrong though.