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Crystal Valley Financial(OTC) CYVF

Market Cap$117.15MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2004)+467%
5 Year+44%
1 Year+22%
1 Month+1%
$79.48
+0.00%
+0.00Today
Crystal Valley Financial last closing stock price
MetricPriceDate
Last closeUSD 79.482026-08-14
Crystal Valley Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.7%USD 78.932026-08-05
1 month+0.55%USD 79.052026-07-14
3 month+0.07%USD 79.432026-05-13
Year to date+8.46%USD 73.282025-12-23
1 year+22.28%USD 65.002025-08-14
3 year+40.09%USD 56.742023-08-15
5 year+44.39%USD 55.052021-08-12
Since inception+467.26%USD 14.012004-03-25

Crystal Valley Financial Financials at a Glance

Market Cap

$117.15MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$51.35M

Net Income (TTM)

$11.32M

EPS (TTM)

$8.98

P/E Ratio

8.86

Dividend

$2.07

Beta (Volatility)

0.06 (Low)

Price

$79.48

Volume

1,100

Open

$79.48

Previous Close

$79.48

Daily Range

$79.48 - $79.48

52-Week Range

$66.77 - $80.00

Estimated Earnings Date

N/A

CYVF News

No articles available.

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About Crystal Valley Financial

Crystal Valley Financial Corporation is a regional bank holding company based in Middlebury, Indiana. It offers a comprehensive suite of banking products and services to individuals and businesses in Northern Indiana, particularly in Elkhart and St. Joseph counties.

Products and Services
  • Deposit solutions including checking, savings, and money market accounts
  • Diverse lending options such as consumer, personal, and business loans
  • Wealth management, investment advisory, and insurance products
Growth Outlook
  • Revenue increased to $13.03 million in Q2 2026, up from $12.44 million in Q1 2026
  • Net income rose to $3.36 million in Q2 2026, reflecting strong operational performance
  • Return on equity stands at 12.06%, indicating effective capital utilization
Financial Highlights
  • Trailing twelve months (TTM) revenue of $51.5 million, showcasing consistent growth
  • Dividend yield of 2.92%, providing attractive returns to shareholders
  • Price-to-earnings (P/E) ratio of 8.85, suggesting potential undervaluation
Crystal Valley Financial Corporation has established itself as a key player in the regional banking sector, focusing on customer-centric solutions. The recent financial performance indicates a positive trajectory, with increasing revenues and net income. The company's diverse product offerings cater to a wide range of customer needs, enhancing its competitive position in the market. With a solid dividend yield and favorable P/E ratio, the corporation presents an appealing opportunity for investors seeking exposure to the financial services sector.
AI Generated • Aug 9, 2026

Industry

Banks

Sector

Financials

CEO

D. Joe Caffee

Website

www.fsbmiddlebury.com

Headquarters

Middlebury, IN 46540-0069, US

CYVF Financials

Key Financial Metrics (TTM)

Gross Margin

67.90%

Operating Margin

26.35%

Net Income Margin

22.05%

Return on Equity

12.06%

Return on Capital

8.36%

Return on Assets

1.35%

Earnings Yield

11.29%

Dividend Yield

2.60%

Payout Ratio

0.00%

Stock Overview

Market Cap

$117.15MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

1.47M

Volume

1.10K

Avg. Volume

1.17K

Financials (TTM)

Gross Profit

$34.87M

Operating Income

$13.53M

EBITDA

$13.53M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$11.02M

Total Debt

$76.57M

Crystal Valley Financial Performance Analysis

Crystal Valley Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 34,620,473-2.3%
20232023-12-31USD 40,820,77717.9%
20242024-12-31USD 47,180,80915.6%
20252025-12-31USD 50,182,2026.4%
Crystal Valley Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-305.0%
Q42025-12-31-0.8%
Q12026-03-31-3.5%
Q22026-06-304.8%
Crystal Valley Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 7.88-2.3%
20232023-12-31USD 7.57-4.0%
20242024-12-31USD 8.5913.6%
20252025-12-31USD 8.22-4.4%
Crystal Valley Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3011.9%
Q42025-12-31-55.5%
Q12026-03-31114.5%
Q22026-06-306.4%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$13.03M

+5.3%

Gross Profit

$9.67M

+7.9%

Gross Margin

74.22%

N/A

Market Cap

$117.15MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.14M

N/A

Employees

103

N/A

Net Income

$3.36M

+11.6%

EBITDA

$4.06M

+12.1%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$11.02M

-25.7%

Total Debt

$76.57M

+93.8%

Accounts Receivable

$3.12M

-1.2%

Inventory

$0.00

N/A

Long Term Debt

$72.96M

+84.6%

Short Term Debt

$3.60M

N/A

Return on Assets

1.35%

N/A

Return on Invested Capital

1.62%

N/A

Free Cash Flow

$0.00

N/A

Operating Cash Flow

$0.00

N/A

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Questions About CYVF

What is the current price of Crystal Valley Financial?

Crystal Valley Financial is trading at $79.48 per share.

What is the 52-week range for Crystal Valley Financial?

Over the past 52 weeks, Crystal Valley Financial has traded between $66.77 and $80.00.

How much debt does Crystal Valley Financial have?

As of the most recent reporting period, Crystal Valley Financial reported total debt of $76.57M.

How much cash does Crystal Valley Financial have on hand?

Crystal Valley Financial does not have cash on hand data available.

What is Crystal Valley Financial’s dividend yield?

Crystal Valley Financial currently has a dividend yield of 2.60%.

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