Financial Services
Crystal Valley Financial Corp.(CYVF)
Live Price
Offline$77.50
+0.00% today
1Y Change
+17.87%
Window
Jun 25, 2025 β Jun 15, 2026
- Market Cap
- $100.00M
- Revenue Growth
- +6.4%
- EPS Growth
- -4.4%
- Dividend Yield
- 2.2%
Coverage: 245 bars Β· Jun 25, 2025 β Jun 15, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Crystal Valley Financial Corp. (CYVF) is a Financial Services stock with a market cap of $100.00M and listed on OTC. The stock last traded around $77.50 and up 17.9% across the available one-year price window (Jun 25, 2025 β Jun 15, 2026). Baseline metrics include revenue growth of +6.4%, EPS growth of -4.4%, a dividend yield of 2.2%. What stands out right now is revenue +6.4%, EPS -4.4%, free cash flow -2.7% with operating margin 25.8% and ROIC 1.4%. The dividend is present but secondary, with a yield around 2.2%. Valuation is more restrained than many high-expectation growth names at P/E 9.1 and price/sales 2.0. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines CYVF price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+6.4% vs +3.4% peer median
Operating Margin
Above sector median
+25.8% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2023 was reported on Sep 30, 2023, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at +6.4% and EPS is at -4.4%, with operating margin around 25.8%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 2.2%, which matters if the thesis depends on income as much as growth.
Benchmark Edge
CYVF vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
CYVF
β
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
CYVF Max Drawdown
-4.00%
Trailing 1Y
SPY Max Drawdown
β
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for CYVF and SPY.
Company Overview
Crystal Valley Financial Corp.
OTC
Crystal Valley Financial Corp. is a regional bank holding company headquartered in Middlebury, Indiana. Serving as the parent entity for First State Bank, it oversees a network of six branches located in Elkhart and St. Joseph counties in Northern Indiana. Crystal Valley Financial Corp. offers a comprehensive suite of financial products and services, including personal and business banking, trust and wealth management, and investment management solutions. Its product lineup spans checking and savings accounts, certificates of deposit, IRAs, consumer and home equity loans, mortgages, and a full range of business lending options such as commercial real estate, agricultural, and small business administration loans. The company also provides modern banking conveniences like debit and credit cards, online banking, remote deposit, and cash management services. Established in 1910, Crystal Valley Financial Corp. maintains a strong focus on community banking values while addressing the complex needs of individuals, families, and businesses in its region. Its steady financial performance and consistent dividend payments underscore its role as a stable, independent provider within the Midwestβs community banking sector.
- Leadership
- Mr. D. Joe Caffee
- Street Address
- 111 South Main St., P.O. Box 69
- Mailing
- Middlebury, IN, 46540-0069
- Region
- Middlebury, IN, United States
- Last Updated
- May 11, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 9.1
- EV/EBITDA
- 11.4
- Price/Sales
- 2.0
- Price/Book
- 1.1
Growth
- Revenue
- +6.4%
- EPS
- -4.4%
- Free Cash Flow
- -2.7%
Profitability
- Gross Margin
- 67.4%
- Operating Margin
- 25.8%
- Net Margin
- 21.6%
- ROE
- 12.1%
- ROIC
- 1.4%
Balance Sheet
- Debt/Equity
- 0.63
- Current Ratio
- 3.63
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.