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    Banks - Regional
Crystal Valley Financial Corporation

Crystal Valley Financial Corporation

CYVF
Crystal Valley Financial CorporationUS flagOther OTC
79.51
USD
-0.14
- -
100.55MMarket Cap
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
18.15
21.74
22.85
22.79
23.51
25.51
28.69
29.58
Basic EPS, GAAP
5.97
7.54
8.07
7.88
7.57
8.59
8.22
8.7
Free Cash Flow per Basic Share
4.82
7.53
6.2
7.81
8.28
9.35
9.24
- -
Dividend per Share
1.25
1.55
1.49
1.65
1.71
1.77
2.16
- -
Book Value per Share
52.19
60.5
68.67
77.19
86
96.04
103.57
106.49
Tangible Book Value per Share
49.53
56.47
62.43
47.81
55.54
62.52
73.13
74.38
Basic Weighted Avg Shares
2
1
1
1
1
1
1
1
Sales/Revenue/Turnover
28
32
33
32
32
33
37
37
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
1
- -
- -
1
1
- -
Net Income, GAAP
9
11
12
11
10
11
10
11
Effective Tax Rate (%)
13.19
15.74
14.55
14.24
16.52
15.84
15.85
16.18
Profit Margin (%)
32.88
34.69
35.33
34.59
32.18
33.68
28.63
29.41
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
32
58
41
26
79
62
46
55
Total Equity
77
84
90
67
74
81
93
94
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
13.11
12.35
10.64
9.09
9.28
8.17
8.43

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1
1
1
Market Capitalization
92
96
98

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
17
10
12
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
3.41%
15.19%
Free Cash Flow
- -
2.01%
-2.75%
Net Income, GAAP
- -
-1.09%
-5.83%
Sales/Revenue/Turnover
- -
2.66%
10.75%
Total Cash Common Dividend
- -
4.08%
20.22%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
8
8
8
8
33
2025
8
9
9
10
37
2026
9
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2.04
- -
- -
- -
8.59
2025
2.07
- -
- -
- -
8.22
2026
2.51
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.77
2025
- -
- -
- -
- -
2.16
2026
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
D. Joe Caffee
Full Time Employees
103
Sector
Financial Services
Industry
Banks - Regional
Address
111 South Main Street Middlebury IN United States of America 46540
IPO Date
May 16, 2007
Website
bfirst.bank
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Business
Crystal Valley Financial Corporation (CYVF) operates as the holding company for First State Bank, a community bank providing personal and business banking products and services in northern Indiana. First State Bank offers deposit products including checking accounts, savings accounts, money market accounts, certificates of deposit and individual retirement accounts; consumer, personal and home equity loans and lines of credit; mortgage products; business loans, term loans, agricultural loans, commercial real estate loans, lines of credit and letters of credit; as well as small business administration loans; trust and wealth management services encompassing investment management, 401(k) rollovers and IRA investments, trustee services for revocable and irrevocable trusts, guardianships, estate settlements, charitable trusts, estate planning assistance and irrevocable life insurance trusts; and additional services such as debit and credit cards, cash management, automated clearing house processing, wire transfers, positive pay, remote deposit capture, online banking, bill payment, account alerts, electronic statements, automated stop payments, CD statement delivery, bounce protection overdraft privilege, check collection and night depository. The bank maintains six offices in Elkhart and St. Joseph counties and targets consumers, agricultural businesses and commercial customers in the region. Founded in 1910 with the establishment of First State Bank and incorporated as the holding company in 1984, Crystal Valley Financial Corporation is headquartered in Middlebury, Indiana. In early 2024, the company executed a balance sheet restructuring that supported net interest income growth of 4.65% and reported consolidated net income of $2.6 million for the first quarter, the second strongest opening quarter in its history.