OTC · Banks - Regional

Crystal Valley Financial Corporation (CYVF) Stock

$79.51 +0.00% OTC: CYVF Financial Services

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.

Valuation

MetricValue
Price$79.51
Market Cap$100.55M
P/E Ratio9.18
P/B Ratio1.07
P/S Ratio1.98
EPS (TTM)$8.66
52-Week High$80.00
52-Week Low$66.00
Dividend Yield2.62%

Financials & Margins

MetricValue
ROE12.06%
ROA1.35%
ROCE1.62%
Gross Margin67.38%
Operating Margin25.82%
Net Margin21.64%
Debt/Equity0.63
Current Ratio3.63

Annual Financials (USD)

Metric20212022202320242025
Revenue$35.0M$35.0M$41.0M$47.0M$50.0M
Operating Profit$14.0M$13.0M$12.0M$13.0M$12.0M
Net Profit$12.0M$11.0M$10.0M$11.0M$10.0M
EPS$8.07$7.88$7.57$8.60$8.22
Op Margin38.5%37.1%29.8%27.9%24.8%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$760.0M$734.0M$778.0M$786.0M$812.0M
Total Liabilities$669.0M$667.0M$704.0M$706.0M$719.0M
Cash$44.0M$15.0M$10.0M$12.0M$9.0M
Borrowings$41.0M$26.0M$79.0M$62.0M$56.0M

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$8.0M$10.0M$12.0M$12.0M$15.0M
Investing Cash Flow$-99.0M$-32.0M$-48.0M$-9.0M$-29.0M
Financing Cash Flow$84.0M$6.0M$-25.0M$18.0M$30.0M
Net Cash Flow$-26.0M$-30.0M$-5.0M$1.0M$0
Free Cash Flow$7.0M$10.0M$11.0M$12.0M$12.0M

Valuation & Return Ratios

MetricValue
PEG Ratio26.41
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y20.53%
Return 3Y43.58%
Return 5Y44.30%

Ownership

Insiders Held0.00%
Institutions Held4.52%
Institutions Float Held4.52%
Institutional HolderSharesReport Date
Siena Capital Partners GP, LLC54,4452026-03-31
First Merchants Corp2,6002026-06-30

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BEOBBEO Bancorp $58.00 +1.75% 8.79 $141.13M 3.45%
CNBBCNB Community Bancorp, Inc. $50.84 +0.02% 8.25 $102.67M 2.68%
FMBMF & M Bank Corp. $39.89 +0.00% 11.84 $141.97M 2.61%
HARLHarleysville Financial Corporation $31.27 -0.41% 9.14 $111.29M 4.48%
JDVBJD Bancshares, Inc. $34.50 +0.00% 9.18 $118.30M 3.59%

About Crystal Valley Financial Corporation

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.

Crystal Valley Financial Corporation is headquartered in US.

Crystal Valley Financial Corporation (CYVF) stock trades at $79.51 with a market capitalization of $100.55M. The stock is valued at a price-to-earnings (P/E) ratio of 9.18, price-to-book of 1.07, price-to-sales of 1.98. Over the past 52 weeks the stock has ranged between $66.00 and $80.00, and currently trades at its 52-week high. It pays a dividend yielding 2.62%.

On profitability, Crystal Valley Financial Corporation generates a return on equity (ROE) of 12.06%, above the typical market average, return on capital employed of 1.62%, an operating margin of 25.82%, a net profit margin of 21.64%.

Official website: www.bfirst.bank

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