Crystal Valley Financial Corporation

CYVF

CYVFCrystal Valley Financial Corporation US flag

Other OTC

79.50

USD

- -

100.53MMarket Cap

Profitability (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

Return on Common Equity (%)	- -	13.11	12.35	10.64	9.09	9.28	8.17
Return on Assets (%)	- -	1.75	1.62	1.47	1.34	1.42	1.31
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	37.88	41.17	41.35	40.33	38.55	40.01	34.03
Profit Margin (%)	32.88	34.69	35.33	34.59	32.18	33.68	28.63
Net Income to Common Margin (%)	32.88	34.69	35.33	34.59	32.18	33.68	28.63
Effective Tax Rate (%)	13.19	15.74	14.55	14.24	16.52	15.84	15.85
Dvd Payout Ratio (%)	20.95	20.53	18.49	20.98	22.64	20.6	26.3
Sustainable Growth Rate (%)	- -	10.42	10.06	8.41	7.03	7.37	6.02

Credit (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 Debt	32	58	41	26	79	62	46
ST Debt	- -	- -	- -	- -	- -	- -	- -
LT Debt	32	58	41	26	79	62	46
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	13.56	13.13	13.05	14.68	14.81	15.78	16.23
Long-Term Debt/Equity (%)	42.03	69.38	45.17	38.76	105.54	76.77	49.4
Long-Term Debt/Capital (%)	28.51	39.3	29.11	19.36	40.53	33.33	25.86
Long-Term Debt/Total Assets (%)	5.41	8.5	5.36	3.53	10.1	7.89	5.66
Total Debt/Equity (%)	42.03	69.38	45.17	38.76	105.54	76.77	49.4
Total Debt/Capital (%)	28.51	39.3	29.11	19.36	40.53	33.33	25.86
Total Debt/Total Assets (%)	5.41	8.5	5.36	3.53	10.1	7.89	5.66
Net Debt to Equity	-21.74	-81.91	-48.76	-22.6	-13.8	-14.34	-10.9
Net Debt/Capital (%)	-17.3	-86.56	-45.82	-12.72	-5.6	-6.64	-6.05
EBITDA	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-1	- -	-1	- -	-1	- -	-4
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -

Liquidity (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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	13.56	13.13	13.05	14.68	14.81	15.78	16.23
Long-Term Debt/Equity (%)	42.03	69.38	45.17	38.76	105.54	76.77	49.4
Long-Term Debt/Capital (%)	28.51	39.3	29.11	19.36	40.53	33.33	25.86
Long-Term Debt/Total Assets (%)	5.41	8.5	5.36	3.53	10.1	7.89	5.66
Total Debt/Equity (%)	42.03	69.38	45.17	38.76	105.54	76.77	49.4
Total Debt/Capital (%)	28.51	39.3	29.11	19.36	40.53	33.33	25.86
Total Debt/Total Assets (%)	5.41	8.5	5.36	3.53	10.1	7.89	5.66
CFO/Total Liabilities	1.63	1.87	1.44	1.64	1.65	1.75	2.15
CFO/CapEx	8.45	340.27	13.95	- -	21.54	50.56	4.17
Altman's Z-Score	0.33	0.3	0.31	0.32	0.31	0.33	0.35

Working Capital (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

Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (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

Market Capitalization	86	77	94	82	81	83	95
- Cash & Cash Equivalents	17	68	44	15	10	12	10
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	32	58	41	26	79	62	46
Enterprise Value	101	67	91	92	149	133	131
Total Capital	113	148	140	134	194	186	178
Total Debt/Capital (%)	28.51	39.3	29.11	19.36	40.53	33.33	25.86
Total Debt / EV	0.32	0.87	0.45	0.28	0.53	0.47	0.35
EV/Sales	3.6	2.08	2.76	2.91	4.74	4.04	3.59
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	11.95	5.99	9.43	8.48	12.83	10.8	8.47
EV/Free Cash Flow to Firm	10.69	5.97	8.8	8.48	12.26	10.59	6.83
Diluted Market Cap	86	77	94	82	81	83	95
Diluted Enterprise Value	101	67	91	92	149	133	131
EV per Share	65.39	45.21	63.01	66.23	111.46	103.03	102.91
TTM Sales	28	32	33	32	32	33	37
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	8	11	10	11	12	12	15
TTM Free Cash Flow to Firm	9	11	10	11	12	13	19

Multiples (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

Price/Free Cash Flow	9.05	6.9	9.11	7.49	6.66	6.58	4.96
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	101	67	91	92	149	133	131
Low Price	46.6	42.01	52.3	56.5	55.35	57.4	62.56
EV/Sales	3.6	2.08	2.76	2.91	4.74	4.04	3.59
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	9.27	6.93	8.08	7.42	8	7.45	9.1
Price/Earnings Average	8.75	6.47	7.65	7.84	7.88	7.03	8.2
Price/Earnings High	9.55	7.49	8.42	8.66	9.78	7.91	9.19
Price/Earnings Low	7.81	5.57	6.48	7.17	7.31	6.68	7.61
Price/Book Value	1.06	0.86	0.95	0.76	0.7	0.67	0.72
Price/Book Value Average	1	0.81	0.9	0.8	0.69	0.63	0.65
Price/Book Value High	1.09	0.93	0.99	0.88	0.86	0.71	0.73
Price/Book Value Low	0.89	0.69	0.76	0.73	0.64	0.6	0.6
Price/Tangible Book Value	1.12	0.93	1.05	1.22	1.09	1.02	1.02
Price/Tangible Book Value Average	1.05	0.86	0.99	1.29	1.07	0.97	0.92
Price/Tangible Book Value High	1.15	1	1.09	1.43	1.33	1.09	1.03
Price/Tangible Book Value Low	0.94	0.74	0.84	1.18	1	0.92	0.86
Price/Sales	3.05	2.41	2.86	2.57	2.57	2.51	2.61
Price/Sales Average	2.88	2.24	2.7	2.71	2.54	2.37	2.35
Price/Sales High	3.14	2.6	2.98	2.99	3.15	2.67	2.63
Price/Sales Low	2.57	1.93	2.29	2.48	2.35	2.25	2.18
Price/Cash Flow	10.12	6.92	9.77	7.49	6.97	6.71	6.15
Price/Cash Flow Average	9.55	6.46	9.25	7.91	6.86	6.33	5.55
Price/Cash Flow High	10.42	7.48	10.18	8.73	8.52	7.13	6.21
Price/Cash Flow Low	8.52	5.56	7.83	7.23	6.37	6.02	5.15
Price/Free Cash Flow Average	8.54	6.44	8.63	7.91	6.56	6.21	4.47
Price/Free Cash Flow High	9.32	7.46	9.5	8.73	8.14	6.99	5.01
Price/Free Cash Flow Low	7.62	5.55	7.3	7.23	6.09	5.9	4.15
EV/Sales Average	3.43	1.92	2.61	3.05	4.7	3.9	3.33
EV/Sales High	3.69	2.27	2.88	3.33	5.31	4.2	3.61
EV/Sales Low	3.12	1.61	2.19	2.82	4.52	3.78	3.16
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -
Last Price	55.34	52.28	65.25	58.5	60.5	64	74.75
High Price	57	56.5	68	68.25	74	68	75.5
Enterprise Value Average	96	62	86	97	148	128	122
Enterprise Value High	104	73	95	106	167	138	132
Enterprise Value Low	88	52	72	90	142	125	115

Profitability (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

Return on Common Equity (%)	- -	13.11	12.35	10.64	9.09	9.28	8.17
Return on Assets (%)	- -	1.75	1.62	1.47	1.34	1.42	1.31
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	37.88	41.17	41.35	40.33	38.55	40.01	34.03
Profit Margin (%)	32.88	34.69	35.33	34.59	32.18	33.68	28.63
Net Income to Common Margin (%)	32.88	34.69	35.33	34.59	32.18	33.68	28.63
Effective Tax Rate (%)	13.19	15.74	14.55	14.24	16.52	15.84	15.85
Dvd Payout Ratio (%)	20.95	20.53	18.49	20.98	22.64	20.6	26.3
Sustainable Growth Rate (%)	- -	10.42	10.06	8.41	7.03	7.37	6.02

Credit (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 Debt	32	58	41	26	79	62	46
ST Debt	- -	- -	- -	- -	- -	- -	- -
LT Debt	32	58	41	26	79	62	46
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	13.56	13.13	13.05	14.68	14.81	15.78	16.23
Long-Term Debt/Equity (%)	42.03	69.38	45.17	38.76	105.54	76.77	49.4
Long-Term Debt/Capital (%)	28.51	39.3	29.11	19.36	40.53	33.33	25.86
Long-Term Debt/Total Assets (%)	5.41	8.5	5.36	3.53	10.1	7.89	5.66
Total Debt/Equity (%)	42.03	69.38	45.17	38.76	105.54	76.77	49.4
Total Debt/Capital (%)	28.51	39.3	29.11	19.36	40.53	33.33	25.86
Total Debt/Total Assets (%)	5.41	8.5	5.36	3.53	10.1	7.89	5.66
Net Debt to Equity	-21.74	-81.91	-48.76	-22.6	-13.8	-14.34	-10.9
Net Debt/Capital (%)	-17.3	-86.56	-45.82	-12.72	-5.6	-6.64	-6.05
EBITDA	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-1	- -	-1	- -	-1	- -	-4
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -

Liquidity (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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	13.56	13.13	13.05	14.68	14.81	15.78	16.23
Long-Term Debt/Equity (%)	42.03	69.38	45.17	38.76	105.54	76.77	49.4
Long-Term Debt/Capital (%)	28.51	39.3	29.11	19.36	40.53	33.33	25.86
Long-Term Debt/Total Assets (%)	5.41	8.5	5.36	3.53	10.1	7.89	5.66
Total Debt/Equity (%)	42.03	69.38	45.17	38.76	105.54	76.77	49.4
Total Debt/Capital (%)	28.51	39.3	29.11	19.36	40.53	33.33	25.86
Total Debt/Total Assets (%)	5.41	8.5	5.36	3.53	10.1	7.89	5.66
CFO/Total Liabilities	1.63	1.87	1.44	1.64	1.65	1.75	2.15
CFO/CapEx	8.45	340.27	13.95	- -	21.54	50.56	4.17
Altman's Z-Score	0.33	0.3	0.31	0.32	0.31	0.33	0.35

Working Capital (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

Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (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

Market Capitalization	86	77	94	82	81	83	95
- Cash & Cash Equivalents	17	68	44	15	10	12	10
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	32	58	41	26	79	62	46
Enterprise Value	101	67	91	92	149	133	131
Total Capital	113	148	140	134	194	186	178
Total Debt/Capital (%)	28.51	39.3	29.11	19.36	40.53	33.33	25.86
Total Debt / EV	0.32	0.87	0.45	0.28	0.53	0.47	0.35
EV/Sales	3.6	2.08	2.76	2.91	4.74	4.04	3.59
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	11.95	5.99	9.43	8.48	12.83	10.8	8.47
EV/Free Cash Flow to Firm	10.69	5.97	8.8	8.48	12.26	10.59	6.83
Diluted Market Cap	86	77	94	82	81	83	95
Diluted Enterprise Value	101	67	91	92	149	133	131
EV per Share	65.39	45.21	63.01	66.23	111.46	103.03	102.91
TTM Sales	28	32	33	32	32	33	37
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	8	11	10	11	12	12	15
TTM Free Cash Flow to Firm	9	11	10	11	12	13	19

Multiples (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

Price/Free Cash Flow	9.05	6.9	9.11	7.49	6.66	6.58	4.96
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	101	67	91	92	149	133	131
Low Price	46.6	42.01	52.3	56.5	55.35	57.4	62.56
EV/Sales	3.6	2.08	2.76	2.91	4.74	4.04	3.59
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	9.27	6.93	8.08	7.42	8	7.45	9.1
Price/Earnings Average	8.75	6.47	7.65	7.84	7.88	7.03	8.2
Price/Earnings High	9.55	7.49	8.42	8.66	9.78	7.91	9.19
Price/Earnings Low	7.81	5.57	6.48	7.17	7.31	6.68	7.61
Price/Book Value	1.06	0.86	0.95	0.76	0.7	0.67	0.72
Price/Book Value Average	1	0.81	0.9	0.8	0.69	0.63	0.65
Price/Book Value High	1.09	0.93	0.99	0.88	0.86	0.71	0.73
Price/Book Value Low	0.89	0.69	0.76	0.73	0.64	0.6	0.6
Price/Tangible Book Value	1.12	0.93	1.05	1.22	1.09	1.02	1.02
Price/Tangible Book Value Average	1.05	0.86	0.99	1.29	1.07	0.97	0.92
Price/Tangible Book Value High	1.15	1	1.09	1.43	1.33	1.09	1.03
Price/Tangible Book Value Low	0.94	0.74	0.84	1.18	1	0.92	0.86
Price/Sales	3.05	2.41	2.86	2.57	2.57	2.51	2.61
Price/Sales Average	2.88	2.24	2.7	2.71	2.54	2.37	2.35
Price/Sales High	3.14	2.6	2.98	2.99	3.15	2.67	2.63
Price/Sales Low	2.57	1.93	2.29	2.48	2.35	2.25	2.18
Price/Cash Flow	10.12	6.92	9.77	7.49	6.97	6.71	6.15
Price/Cash Flow Average	9.55	6.46	9.25	7.91	6.86	6.33	5.55
Price/Cash Flow High	10.42	7.48	10.18	8.73	8.52	7.13	6.21
Price/Cash Flow Low	8.52	5.56	7.83	7.23	6.37	6.02	5.15
Price/Free Cash Flow Average	8.54	6.44	8.63	7.91	6.56	6.21	4.47
Price/Free Cash Flow High	9.32	7.46	9.5	8.73	8.14	6.99	5.01
Price/Free Cash Flow Low	7.62	5.55	7.3	7.23	6.09	5.9	4.15
EV/Sales Average	3.43	1.92	2.61	3.05	4.7	3.9	3.33
EV/Sales High	3.69	2.27	2.88	3.33	5.31	4.2	3.61
EV/Sales Low	3.12	1.61	2.19	2.82	4.52	3.78	3.16
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -
Last Price	55.34	52.28	65.25	58.5	60.5	64	74.75
High Price	57	56.5	68	68.25	74	68	75.5
Enterprise Value Average	96	62	86	97	148	128	122
Enterprise Value High	104	73	95	106	167	138	132
Enterprise Value Low	88	52	72	90	142	125	115

Shares Outstanding	1	1	1	1	1	1	1
Diluted Weighted Avg Shares	2	1	1	1	1	1	1
Basic Weighted Avg Shares	2	1	1	1	1	1	1
Revenue per Share	18.15	21.74	22.85	22.79	23.51	25.51	28.69
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -
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 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
Dividend per Share	1.25	1.55	1.49	1.65	1.71	1.77	2.16
Cash Flow per Share	5.47	7.55	6.68	7.81	8.68	9.54	12.15
Free Cash Flow per Basic Share	4.82	7.53	6.2	7.81	8.28	9.35	9.24
Cash & Equivalents per Share	10.77	46.25	30.44	10.8	7.66	8.97	7.97
Book Value per Share	52.19	60.5	68.67	77.19	86	96.04	103.57
Tangible Book Value per Share	49.53	56.47	62.43	47.81	55.54	62.52	73.13

Crystal Valley Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)