Crystal Valley Financial Corporation

CYVF

CYVFCrystal Valley Financial Corporation US flag

Other OTC

79.51

USD

- -

100.55MMarket Cap

Income Statement (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	28	32	33	32	32	33	37
+ Sales & Services Revenue	28	32	33	32	32	33	37
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	-17	-18	-19	-19	-19	-20	-21
- Operating Expenses	17	18	19	19	19	20	21
+ Selling, General & Admin	1	1	1	1	1	1	1
+ Research & Development	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	17	17	18	18	18	19	20
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-11	-13	-14	-13	-12	-13	-12
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-11	-13	-14	-13	-12	-13	-12
Pretax Income	11	13	14	13	12	13	12
- Income Tax Expense (Benefit)	1	2	2	2	2	2	2
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	9	11	12	11	10	11	10
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	9	11	12	11	10	11	10
- Minority Interest	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	9	11	12	11	10	11	10
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	9	11	12	11	10	11	10
EBIT	- -	- -	- -	- -	- -	- -	- -
EBITDA	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -
EBITA	-1	-1	-1	- -	- -	-1	-1
Gross Margin (%)	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	32.88	34.69	35.33	34.59	32.18	33.68	28.63
Sales per Employee	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	1.25	1.55	1.49	1.65	1.71	1.77	2.16
Depreciation Expense	1	1	1	- -	- -	1	1
Basic Weighted Avg Shares	2	1	1	1	1	1	1
Basic EPS, GAAP	5.97	7.54	8.07	7.88	7.57	8.59	8.22
Basic EPS from Cont Ops	5.97	7.54	8.07	7.88	7.57	8.59	8.22
Diluted Weighted Avg Shares	2	1	1	1	1	1	1
Diluted EPS, GAAP	5.97	7.54	8.07	7.88	7.57	8.59	8.22
Diluted EPS from Cont Ops	5.97	7.54	8.07	7.88	7.57	8.59	8.22

Balance Sheet (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	17	68	44	15	10	12	10
+ Cash & Cash Equivalents	17	68	44	15	10	12	10
+ ST Investments	- -	- -	- -	- -	- -	- -	- -
+ Accounts & Notes Receiv	2	2	3	3	3	3	3
+ Accounts Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	2	2	3	3	3	3	3
+ Inventories	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-19	-71	-46	-18	-13	-15	-13
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	4	4	6	5	5	5	9
+ Property, Plant & Equip	16	16	18	17	18	18	22
- Accumulated Depreciation	11	12	12	12	12	13	13
+ LT Investments & Receivables	104	125	224	167	128	96	94
+ LT Investments	104	125	224	167	128	96	94
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-109	-128	-230	-172	-134	-101	-103
+ Total Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Goodwill	- -	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-109	-128	-230	-172	-134	-101	-103
Total Assets	595	683	760	734	778	786	812
+ Payables & Accruals	- -	- -	- -	- -	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	1	1	1
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	-1	-1	-1
+ ST Debt	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	- -	- -	- -	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	32	58	41	26	79	62	46
+ LT Borrowings	- -	- -	- -	- -	- -	- -	- -
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-32	-58	-41	-26	-79	-62	-46
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-32	-58	-41	-26	-79	-62	-46
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	519	599	669	667	704	706	719
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	4	4	4	4	4	4	4
+ Common Stock	2	2	2	2	2	2	2
+ Additional Paid in Capital	2	2	2	2	2	2	2
- Treasury Stock	9	14	15	19	23	21	15
+ Retained Earnings	79	88	97	106	113	122	130
+ Other Equity	- -	- -	- -	- -	- -	- -	- -
Equity Before Minority Interest	77	84	90	67	74	81	93
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
Total Equity	77	84	90	67	74	81	93
Total Liabilities & Equity	595	683	760	734	778	786	812
Shares Outstanding	1	1	1	1	1	1	1
Number of Employees	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -
Net Debt	-17	-68	-44	-15	-10	-12	-10
Net Debt to Equity	-21.74	-81.91	-48.76	-22.6	-13.8	-14.34	-10.9
Tangible Common Equity Ratio	12.87	12.25	11.86	9.09	9.57	10.27	11.46
Current Ratio	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	9	11	12	11	10	11	10
+ Depreciation & Amortization	- -	- -	- -	- -	- -	- -	- -
+ Non-Cash Items	-1	- -	-1	- -	2	3	5
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -
+ Deferred Income Taxes	- -	- -	- -	- -	- -	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	-1	- -	-1	- -	2	3	5
+ Chg in Non-Cash Work Cap	- -	- -	-1	- -	- -	-2	- -
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Other	- -	1	-1	- -	- -	-2	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	8	11	10	11	12	12	15
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-1	- -	-1	- -	-1	- -	-4
+ Acq of Fixed Prod Assets	-1	- -	-1	- -	-1	- -	-4
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	-4	-2	-4	-3	-2	-1
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	-4	-2	-4	-3	-2	-1
+ Net Change in LT Investment	2	-14	-99	22	16	19	9
+ Dec in LT Investment	25	35	24	35	16	34	11
+ Inc in LT Investment	-23	-49	-123	-13	- -	-14	-2
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-31	-16	- -	-55	-63	-28	-30
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-30	-31	-100	-32	-48	-9	-25
+ Dividends Paid	-2	-2	-2	-2	-2	-2	-3
+ Net Cash From Debt	15	26	-17	-15	53	-17	-16
+ Cash From Debt	273	41	- -	50	594	330	321
+ Repayments of Debt	-258	-15	-17	-65	-542	-346	-337
+ Other Financing Activities	2	54	86	13	-16	19	28
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	15	73	65	-9	31	-2	8
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-6	54	-26	-30	-5	1	-1
EBITDA	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow	7	11	9	11	11	12	12
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	7	11	9	11	11	12	12
Free Cash Flow to Equity	- -	37	-8	-4	64	-4	-4
Free Cash Flow per Basic Share	4.82	7.53	6.2	7.81	8.28	9.35	9.24
Price/Free Cash Flow	9.05	6.9	9.11	7.49	6.66	6.58	4.96
Cash Flow to Net Income	0.92	1	0.83	0.99	1.15	1.11	1.48
Capital Expenditures	-1	- -	-1	- -	-1	- -	-4