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CYVF

Crystal Valley Financial Corporation

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Price alert · CYVF

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80.80 USD 0.00 0.00%
As of Oct 30, 2026
80.80 Day range 80.95
72.00 52-week range 80.80
YTD
+8.09%
1 year
+12.22%
Open
80.80
Prev close
80.80
Mkt cap
101.30M
Vol
400
Avg vol
355
EPS
9.38
P/E
8.61
More statistics
Low
80.80
High
80.95

5D chart

Chart tools
Interval
1m5m15m30m
CYVF five-day price chart79.780.080.380.580.8Oct 27Oct 30

Financial health

Altman Z-Score

0.44 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 2
  • P/E 4
  • P/B 3

Valuation

P/E 9.1×
FY 2016: 10.5×FY 2017: 11.6×FY 2018: 8.8×FY 2019: 9.3×FY 2020: 6.9×FY 2021: 8.1×FY 2022: 7.4×FY 2023: 8.0×FY 2024: 7.4×FY 2025: 9.1×
FY 2016 5y median 8.0× FY 2025
P/S 1.9×
FY 2016: 2.5×FY 2017: 2.9×FY 2018: 2.5×FY 2019: 2.7×FY 2020: 2.2×FY 2021: 2.7×FY 2022: 2.4×FY 2023: 2.0×FY 2024: 1.8×FY 2025: 1.9×
FY 2016 5y median 2.0× FY 2025
P/B 1.0×
FY 2016: 1.2×FY 2017: 1.3×FY 2018: 1.1×FY 2019: 1.1×FY 2020: 0.9×FY 2021: 1.0×FY 2022: 1.2×FY 2023: 1.1×FY 2024: 1.0×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
P/FCF 8.1×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 11.5×FY 2020: 6.9×FY 2021: 13.6×FY 2022: 8.0×FY 2023: 7.3×FY 2024: 6.8×FY 2025: 8.1×
FY 2016 5y median 8.0× FY 2025
EV/EBITDA 11.4×
FY 2016: 11.2×FY 2017: 10.1×FY 2018: 8.8×FY 2019: 9.9×FY 2020: 4.9×FY 2021: 6.4×FY 2022: 7.0×FY 2023: 11.9×FY 2024: 9.7×FY 2025: 11.4×
FY 2016 5y median 9.7× FY 2025
EV/Sales 2.8×
FY 2016: 3.1×FY 2017: 3.3×FY 2018: 2.9×FY 2019: 3.5×FY 2020: 1.9×FY 2021: 2.6×FY 2022: 2.7×FY 2023: 3.7×FY 2024: 2.8×FY 2025: 2.8×
FY 2016 5y median 2.8× FY 2025
FCF Yield 12.4%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 8.7%FY 2020: 14.4%FY 2021: 7.3%FY 2022: 12.5%FY 2023: 13.6%FY 2024: 14.6%FY 2025: 12.4%
FY 2016 5y median 12.5% FY 2025

Profitability

Gross Margin 66.7%
FY 2016: 87.8%FY 2017: 89.4%FY 2018: 87.2%FY 2019: 87.0%FY 2020: 90.5%FY 2021: 93.1%FY 2022: 91.9%FY 2023: 77.2%FY 2024: 69.9%FY 2025: 66.7%
FY 2016 5y median 77.2% FY 2025
Operating Margin 24.8%
FY 2016: 29.1%FY 2017: 33.3%FY 2018: 33.3%FY 2019: 33.0%FY 2020: 37.3%FY 2021: 38.5%FY 2022: 37.1%FY 2023: 29.8%FY 2024: 27.9%FY 2025: 24.8%
FY 2016 5y median 29.8% FY 2025
Net Margin 20.8%
FY 2016: 23.3%FY 2017: 24.7%FY 2018: 28.6%FY 2019: 28.6%FY 2020: 31.4%FY 2021: 32.9%FY 2022: 31.8%FY 2023: 24.8%FY 2024: 23.5%FY 2025: 20.8%
FY 2016 5y median 24.8% FY 2025
ROE 11.2%
FY 2016: 11.0%FY 2017: 11.3%FY 2018: 13.0%FY 2019: 12.1%FY 2020: 13.4%FY 2021: 12.9%FY 2022: 16.5%FY 2023: 13.6%FY 2024: 13.7%FY 2025: 11.2%
FY 2016 5y median 13.6% FY 2025
ROIC 1.3%
FY 2016: 2.0%FY 2017: 2.3%FY 2018: 2.7%FY 2019: 1.5%FY 2020: 7.3%FY 2021: 8.0%FY 2022: 10.0%FY 2023: 5.8%FY 2024: 6.8%FY 2025: 1.3%
FY 2016 5y median 6.8% FY 2025
ROA 1.3%
FY 2016: 1.2%FY 2017: 1.3%FY 2018: 1.5%FY 2019: 1.6%FY 2020: 1.6%FY 2021: 1.5%FY 2022: 1.5%FY 2023: 1.3%FY 2024: 1.4%FY 2025: 1.3%
FY 2016 5y median 1.4% FY 2025

Growth (YoY)

Revenue 6.4%
FY 2016: 7.7%FY 2017: 8.8%FY 2018: 8.4%FY 2019: 7.0%FY 2020: 10.2%FY 2021: -0.4%FY 2022: -2.3%FY 2023: 17.9%FY 2024: 15.6%FY 2025: 6.4%
FY 2016 FY 2025
Operating Income -5.6%
FY 2016: 24.9%FY 2017: 24.8%FY 2018: 8.3%FY 2019: 6.0%FY 2020: 24.6%FY 2021: 2.9%FY 2022: -5.8%FY 2023: -5.4%FY 2024: 8.3%FY 2025: -5.6%
FY 2016 FY 2025
EPS (diluted) -4.4%
FY 2016: 21.8%FY 2017: 14.5%FY 2018: 25.6%FY 2019: 7.8%FY 2020: 26.3%FY 2021: 7.0%FY 2022: -2.4%FY 2023: -3.9%FY 2024: 13.6%FY 2025: -4.4%
FY 2016 FY 2025
Free Cash Flow -2.7%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 49.4%FY 2021: -38.1%FY 2022: 48.3%FY 2023: 7.9%FY 2024: 9.4%FY 2025: -2.7%
FY 2016 FY 2025

Financial Health

Current Ratio 1.4×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 54.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 1.4×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 1.4×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 54.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 1.4×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 0.6×
FY 2016: 0.5×FY 2017: 0.4×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 0.7×FY 2021: 0.5×FY 2022: 0.4×FY 2023: 1.1×FY 2024: 0.8×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025
Net Debt / EBITDA 3.7×
FY 2016: 2.4×FY 2017: 1.3×FY 2018: 1.2×FY 2019: 2.3×FY 2020: -0.8×FY 2021: -0.2×FY 2022: 0.8×FY 2023: 5.4×FY 2024: 3.7×FY 2025: 3.7×
FY 2016 5y median 3.7× FY 2025
Interest Coverage 0.9×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 2.5×FY 2020: 3.9×FY 2021: 5.6×FY 2022: 4.6×FY 2023: 1.3×FY 2024: 0.9×FY 2025: 0.9×
FY 2016 5y median 1.3× FY 2025

Dividends

Dividend Yield 2.9%
FY 2016: 1.5%FY 2017: 1.6%FY 2018: 2.3%FY 2019: 2.3%FY 2020: 3.0%FY 2021: 2.3%FY 2022: 2.8%FY 2023: 2.8%FY 2024: 2.8%FY 2025: 2.9%
FY 2016 5y median 2.8% FY 2025
Payout Ratio 26.3%
FY 2016: 15.6%FY 2017: 19.0%FY 2018: 20.6%FY 2019: 20.9%FY 2020: 20.5%FY 2021: 18.5%FY 2022: 21.0%FY 2023: 22.6%FY 2024: 20.6%FY 2025: 26.3%
FY 2016 5y median 21.0% FY 2025

Annual · latest fiscal year ends 2025-12-31