How does CYVF's PE Ratio compare to its peers?

CYVF is good value based on its Price-To-Earnings Ratio (7.5x) compared to the peer average (11.5x).

How does CYVF's PE Ratio compare vs other companies in the US Banks Industry?

CYVF is good value based on its Price-To-Earnings Ratio (7.5x) compared to the US Banks industry average (11.9x).

What is CYVF's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate CYVF's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of CYVF when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

CYVF ($65.5) is trading below our estimate of [[fair value]] ($145.15)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

Crystal Valley Financial (OTCPK:CYVF) - Stock Price, News & Analysis

CYVF Stock Overview

Operates as the holding company for First State Bank that provides various personal and business banking products and services in Northern Indiana, the United States. More details

CYVF fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	5/6
Financial Health	4/6
Dividends	3/6

Rewards

Trading at 54.9% below our estimate of its fair value

Earnings grew by 9.5% over the past year

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($83M)

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Crystal Valley Financial Corporation Competitors

CNB Community Bancorp

OTCPK:CNBB

US$84.7m

Cornerstone Bancorp

OTCPK:CNBP

US$82.3m

First Reliance Bancshares

OTCPK:FSRL

US$77.4m

University Bancorp

OTCPK:UNIB

US$88.3m

Price History & Performance

Summary of share price highs, lows and changes for Crystal Valley Financial
Historical stock prices
Current Share Price	US$65.50
52 Week High	US$68.00
52 Week Low	US$57.40
Beta	0.13
1 Month Change	2.36%
3 Month Change	3.56%
1 Year Change	10.08%
3 Year Change	-2.24%
5 Year Change	15.93%
Change since IPO	172.92%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	CYVF	US Banks	US Market
7D	1.8%	0.2%	-0.3%
1Y	10.1%	42.8%	22.7%

Return vs Industry: CYVF underperformed the US Banks industry which returned 41% over the past year.

Return vs Market: CYVF underperformed the US Market which returned 22.2% over the past year.

Price Volatility

Is CYVF's price volatile compared to industry and market?
CYVF volatility
CYVF Average Weekly Movement	n/a
Banks Industry Average Movement	5.1%
Market Average Movement	6.4%
10% most volatile stocks in US Market	18.8%
10% least volatile stocks in US Market	3.2%

Stable Share Price: CYVF's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine CYVF's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1910	n/a	D. Caffee	www.bfirst.bank

Crystal Valley Financial Corporation operates as the holding company for First State Bank that provides various personal and business banking products and services in Northern Indiana, the United States. The company offers deposits products, including checking, savings, money market accounts, and certificates of deposit, as well as IRAs. It also provides consumer, personal, and home equity loans and lines; mortgage products; and business loans, term loans, agricultural loans, commercial real estate loans, lines of credit, and letters of credit; and business manager and small business administration loans.

Crystal Valley Financial Corporation Fundamentals Summary

How do Crystal Valley Financial's earnings and revenue compare to its market cap?
CYVF fundamental statistics
Market cap	US$82.64m
Earnings (TTM)	US$11.10m
Revenue (TTM)	US$33.00m

7.5x

P/E Ratio

1.0x

P/B Ratio

Is CYVF overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CYVF income statement (TTM)
Revenue	US$33.00m
Cost of Revenue	US$0
Gross Profit	US$33.00m
Other Expenses	US$21.90m
Earnings	US$11.10m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	8.68
Gross Margin	100.00%
Net Profit Margin	33.64%
Debt/Equity Ratio	92.6%

How did CYVF perform over the long term?

See historical performance and comparison

Dividends

2.9%

Current Dividend Yield

21%

Payout Ratio

Does CYVF pay a reliable dividends?

See CYVF dividend history and benchmarks

When do you need to buy CYVF by to receive an upcoming dividend?
Crystal Valley Financial dividend dates
Ex Dividend Date	Feb 06 2025
Dividend Pay Date	Feb 20 2025
Days until Ex dividend	1 day
Days until Dividend pay date	15 days

Does CYVF pay a reliable dividends?

See CYVF dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/04 04:26
End of Day Share Price	2025/02/04 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Crystal Valley Financial Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.