Crystal Valley Financial(OTC) CYVF

Current Price$79.48

Market Cap$117.19M

Since IPO (2004)+463%

5 Year+44%

1 Year+22%

1 Month+0%

Crystal Valley Financial last closing stock price
Metric	Price	Date
Last close	USD 79.48	2026-07-24

Crystal Valley Financial stock price return by period
Period	Price return	Price at period start	Period start date
1 week	-0.21%	USD 79.65	2026-07-16
1 month	+0.45%	USD 79.13	2026-06-24
3 month	+0.03%	USD 79.46	2026-04-24
Year to date	+7.71%	USD 73.79	2025-12-23
1 year	+22.29%	USD 64.99	2025-07-24
3 year	+37.85%	USD 57.66	2023-07-25
5 year	+44.25%	USD 55.10	2021-07-23
Since inception	+463.33%	USD 14.11	2004-03-25

Crystal Valley Financial Financials at a Glance

Market Cap

$117.19M

Revenue (TTM)

$50.70M

Net Income (TTM)

$10.97M

EPS (TTM)

$8.66

P/E Ratio

9.18

Dividend

$1.99

Beta (Volatility)

0.06 (Low)

Dividend

$1.99

Beta (Volatility)

0.06 (Low)

Price

$79.48

Volume

5,102

Open

$79.50

Price

$79.48

Volume

5,102

Open

$79.50

Previous Close

$79.48

Daily Range

$79.48 - $79.50

52-Week Range

$65.87 - $80.00

Estimated Earnings Date

N/A

Dividend

$1.99

Beta (Volatility)

0.06 (Low)

Price

$79.48

Volume

5,102

Open

$79.50

Previous Close

$79.48

Daily Range

$79.48 - $79.50

52-Week Range

$65.87 - $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 banking institution based in Middlebury, Indiana, serving individuals and businesses primarily in Northern Indiana. The company offers a comprehensive suite of banking products and services, including deposit solutions and diverse lending options.

Products and Services

Checking, savings, and money market accounts
Consumer, personal, home equity, and mortgage loans
Trust, wealth management, and investment advisory services

Growth Outlook

Revenue increased to $12.44 million in Q1 2026
Net income rose to $3.17 million, reflecting strong operational performance
Consistent growth in deposits and loans supports future expansion

Financial Highlights

Trailing twelve months (TTM) revenue of $50.5 million
Net profit margin of 21.64% indicates efficient cost management
Dividend yield of 2.81% offers attractive returns to shareholders

AI Generated • Jul 10, 2026

Industry

Banks

Sector

Financials

CEO

D. Joe Caffee

Website

www.fsbmiddlebury.com

Headquarters

Middlebury, IN 46540, US

CYVF Financials

Key Financial Metrics (TTM)

Gross Margin

67.38%

Operating Margin

25.82%

Net Income Margin

21.64%

Return on Equity

12.06%

Return on Capital

8.36%

Return on Assets

1.35%

Earnings Yield

10.89%

Dividend Yield

2.50%

Payout Ratio

0.00%

Stock Overview

Market Cap

$117.19M

Shares Outstanding

1.47M

Volume

5.10K

Avg. Volume

797.581

Financials (TTM)

Gross Profit

$34.16M

Operating Income

$13.09M

EBITDA

$13.09M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$10.43M

Total Debt

$59.18M

Crystal Valley Financial Performance Analysis

Crystal Valley Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal year	Period end	Revenue	YoY growth
2022	2022-12-31	USD 34,620,473	-2.3%
2023	2023-12-31	USD 40,820,777	17.9%
2024	2024-12-31	USD 47,180,809	15.6%
2025	2025-12-31	USD 50,182,202	6.4%

Crystal Valley Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarter	Period end	QoQ growth
Q2	2025-06-30	3.9%
Q3	2025-09-30	5.0%
Q4	2025-12-31	-0.8%
Q1	2026-03-31	-3.5%

Crystal Valley Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal year	Period end	Diluted EPS	YoY growth
2022	2022-12-31	USD 7.88	-2.3%
2023	2023-12-31	USD 7.57	-4.0%
2024	2024-12-31	USD 8.59	13.6%
2025	2025-12-31	USD 8.22	-4.4%

Crystal Valley Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarter	Period end	QoQ growth
Q2	2025-06-30	13.5%
Q3	2025-09-30	11.9%
Q4	2025-12-31	-55.5%
Q1	2026-03-31	114.5%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name

Q1 2026YOY CHG

Revenue

$12.44M

+4.4%

Gross Profit

$9.14M

+8.2%

Gross Margin

73.49%

N/A

Market Cap

$117.19M

N/A

Market Cap/Employee

$1.14M

N/A

Employees

103

N/A

Net Income

$3.17M

+19.6%

EBITDA

$3.85M

+21.1%

Quarterly Fundamentals

Name

Q1 2026YOY CHG

Total Cash

$10.43M

-42.0%

Total Debt

$59.18M

+22.0%

Accounts Receivable

$3.04M

+5.0%

Inventory

$0.00

N/A

Long Term Debt

$55.46M

+14.3%

Short Term Debt

$3.72M

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 $65.87 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 $59.18M.

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 2.50%.

Crystal Valley Financial(OTC) CYVF

Crystal Valley Financial Financials at a Glance

CYVF News

Motley Fool Moneyball Superscore

Our CEO Is Handing Members His Secret Weapon

About Crystal Valley Financial

CYVF Financials

Key Financial Metrics (TTM)

Stock Overview

Financials (TTM)

Crystal Valley Financial Performance Analysis

Revenue Growth Rate

Earnings Per Share Growth Rate

Quarterly Performance

Quarterly Fundamentals

Other Investments to Explore

People Also Watch

Trending Stocks

Questions About CYVF

What is the current price of Crystal Valley Financial?

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

How much debt does Crystal Valley Financial have?

How much cash does Crystal Valley Financial have on hand?

What is Crystal Valley Financial’s dividend yield?

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