Crystal Valley Financial Corporation (CYVF)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 32 | 33 | 32 | 32 | 33 | 37 | 38 | - |
| Operating profit | $m | 12 | 14 | ||||||
| Net profit | $m | 11 | 12 | 11 | 10 | 11 | 10 | 11 | - |
| EPS reported | $ | 8.22 | 8.98 | ||||||
| Operating cashflow per share | $ | 12.15 | 0.00 | ||||||
| Capex per share | $ | 2.91 | 0.00 | ||||||
| FCF per share | $ | 9.24 | 0.00 | ||||||
| Free cash flow | $m | 12 | 0 | ||||||
| Net debt | $m | 46 | 66 | ||||||
| Book value equity | $m | 93 | 98 | ||||||
| Book value per share | $ | 73.13 | 77.49 | ||||||
| Number of shares | m | 1.27 | 1.26 | ||||||
| DPS (TTM paid) | $ | 2.16 | 2.32 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.09 | 9.21 | ||||||
| P/B LTM | x | 1.02 | 0.98 | ||||||
| P/S LTM | x | 2.61 | 2.50 | ||||||
| P/FCF LTM | x | 8.09 | 0.00 | ||||||
| EV/EBITDA LTM | x | 11.38 | 10.44 | ||||||
| EV/Sales LTM | x | 2.82 | 3.24 | ||||||
| Earnings Yield LTM | % | +11.00% | +10.86% | ||||||
| FCF Yield | % | +12.36% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +11.23% | +12.06% | ||||||
| ROIC | % | +1.28% | +1.35% | ||||||
| Operating margin | % | +24.75% | +26.35% | ||||||
| Gross margin | % | +66.70% | +67.90% | ||||||
| FCF/Sales | % | +23.42% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -4.42% | +4.42% | ||||||
| Sales Growth YoY | % | +10.75% | +15.60% | ||||||
| Net Income Growth YoY | % | -5.83% | +2.00% | ||||||
| FCF Growth | % | -2.75% | -100.00% | ||||||
| Operating Profit Growth | % | -5.58% | +2.85% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.89% | +2.92% | ||||||
| Dividend Growth | % | +22.03% | +31.07% | ||||||
| Payout Ratio | % | +26.29% | 0.00% | ||||||
| FCF/Debt | x | 0.21 | 0.00 | ||||||
| Net Debt/EBITDA | x | 3.72 | 4.84 | ||||||
| EBIT/Net interest | x | 0.91 | 1.02 | ||||||
| Net debt/market cap | % | +58.37% | +76.11% | ||||||
| Net debt/Equity | x | 0.50 | 0.67 | ||||||
| Gross debt/equity | x | 0.60 | 0.79 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Crystal Valley Financial Corporation serves as the holding entity for First State Bank, providing a comprehensive suite of banking products and services to individuals and businesses across Northern Indiana, specifically within Elkhart and St. Joseph counties. The company's deposit solutions encompass checking, savings, and money market accounts, alongside certificates of deposit. Lending options are diverse, featuring consumer, personal, home equity, and mortgage loans, in addition to specialized business financing such as term loans, lines of credit, agricultural loans, commercial real estate funding, letters of credit, and Small Business Administration (SBA) loans. Beyond core banking, Crystal Valley Financial extends its offerings to include trust, wealth management, and investment advisory services, as well as a variety of insurance products. Operational services further enhance customer convenience, covering debit and credit cards, cash management, automated clearing house (ACH) transfers, wire transfers, remote deposit, online banking, bill payment, check collection, and night depository facilities. Founded in 1910, the corporation is based in Middlebury, Indiana, and reaches its clientele through a network of seven branch offices.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Crystal Valley Financial Corporation (CYVF)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Crystal Valley Financial Corporation serves as the holding entity for First State Bank, providing a comprehensive suite of banking products and services to individuals and businesses across Northern Indiana, specifically within Elkhart and St. Joseph counties. The company's deposit solutions encompass checking, savings, and money market accounts, alongside certificates of deposit. Lending options are diverse, featuring consumer, personal, home equity, and mortgage loans, in addition to specialized business financing such as term loans, lines of credit, agricultural loans, commercial real estate funding, letters of credit, and Small Business Administration (SBA) loans. Beyond core banking, Crystal Valley Financial extends its offerings to include trust, wealth management, and investment advisory services, as well as a variety of insurance products. Operational services further enhance customer convenience, covering debit and credit cards, cash management, automated clearing house (ACH) transfers, wire transfers, remote deposit, online banking, bill payment, check collection, and night depository facilities. Founded in 1910, the corporation is based in Middlebury, Indiana, and reaches its clientele through a network of seven branch offices.
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