Crystal Valley Financial Corporation

OTCPK:CYVF Stock Report

Market Cap: US$81.5m

Crystal Valley Financial Past Earnings Performance

Past criteria checks 2/6

Crystal Valley Financial has been growing earnings at an average annual rate of 1.5%, while the Banks industry saw earnings growing at 7.2% annually. Revenues have been growing at an average rate of 2.2% per year. Crystal Valley Financial's return on equity is 12.5%, and it has net margins of 32.4%.

Key information

1.5%

Earnings growth rate

4.8%

EPS growth rate

Banks Industry Growth11.2%
Revenue growth rate2.2%
Return on equity12.5%
Net Margin32.4%
Last Earnings Update30 Sep 2024

Recent past performance updates

No updates

Recent updates

No updates

Revenue & Expenses Breakdown

How Crystal Valley Financial makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

OTCPK:CYVF Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 243210160
30 Jun 243210160
31 Mar 243110160
31 Dec 233110150
30 Sep 233111160
30 Jun 233211160
31 Mar 233211160
31 Dec 223211150
30 Sep 223312140
30 Jun 223312140
31 Mar 223211150
31 Dec 213312150
30 Sep 213211140
30 Jun 213212140
31 Mar 213112140
31 Dec 203111140
30 Sep 203010150
30 Jun 202910150
31 Mar 20289150
31 Dec 19289150
30 Sep 19289140
30 Jun 19279140
31 Mar 19279140
31 Dec 18269140
30 Sep 18268140
30 Jun 18268140
31 Mar 18267130
31 Dec 17257130
30 Sep 17247130
30 Jun 17237130
31 Mar 17236130
31 Dec 16226130
30 Sep 16226120
30 Jun 16225120
31 Mar 16225120
31 Dec 15215120

Quality Earnings: CYVF has high quality earnings.

Growing Profit Margin: CYVF's current net profit margins (32.4%) are lower than last year (33.7%).


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: CYVF's earnings have grown by 1.5% per year over the past 5 years.

Accelerating Growth: CYVF's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: CYVF had negative earnings growth (-1.3%) over the past year, making it difficult to compare to the Banks industry average (-13.1%).


Return on Equity

High ROE: CYVF's Return on Equity (12.5%) is considered low.


Return on Assets


Return on Capital Employed


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