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INDICATIVE · SAMPLE DATA
CYVF.PK56

Crystal Valley Financial Corp

BanksVerified

Crystal Valley Financial Corp has a fully diluted share count of 1,261,307 shares, with no difference between basic and diluted shares outstanding, indicating no dilution risk from stock options or convertible securities. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. Profitability and return metrics are not available for Crystal Valley Financial Corp, as no valuation snapshot data is provided. Without access to key metrics such as ROIC, net interest margin, or return on equity, it is not possible to compare the company's performance to industry benchmarks or cohort medians. Segment and geographic exposure data are not disclosed in the available financial reports, making it difficult to assess revenue concentration or geographic diversification. The company does not provide segment-specific revenue breakdowns or geographic revenue distribution in the latest filings. Growth trajectory data is also unavailable, as no outlook figures or revenue history are provided. Without forward-looking guidance or historical revenue trends, it is not possible to assess the company's growth potential or trajectory. Risk factors include the inability to assess liquidity risk due to missing balance-sheet data and the absence of going-concern language in source documents. Dilution risk is currently low, as there is no difference between basic and diluted shares outstanding, and no dilution adjustments are applied in the valuation snapshot. Recent events, including filings and transcripts, are not disclosed in the available data. No 10-K, 10-Q, or earnings call transcripts are referenced in the source documents, limiting the ability to assess recent operational or strategic developments.

30-day price · CYVF.PK-2.03 (-2.5%)
Low$77.94High$80.00Close$77.95As of4 Jun, 00:00 UTC
Profile
CompanyCrystal Valley Financial Corp
TickerCYVF.PK
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

Business. Crystal Valley Financial Corp operates as a bank, providing financial services to its customers, primarily generating revenue through interest income from loans and fees from banking services.

Classification. Crystal Valley Financial Corp is classified under the Financials economic sector, Banking & Investment Services business sector, and Banks industry with a confidence level of 0.92.

Crystal Valley Financial Corp has a fully diluted share count of 1,261,307 shares, with no difference between basic and diluted shares outstanding, indicating no dilution risk from stock options or convertible securities. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. Profitability and return metrics are not available for Crystal Valley Financial Corp, as no valuation snapshot data is provided. Without access to key metrics such as ROIC, net interest margin, or return on equity, it is not possible to compare the company's performance to industry benchmarks or cohort medians. Segment and geographic exposure data are not disclosed in the available financial reports, making it difficult to assess revenue concentration or geographic diversification. The company does not provide segment-specific revenue breakdowns or geographic revenue distribution in the latest filings. Growth trajectory data is also unavailable, as no outlook figures or revenue history are provided. Without forward-looking guidance or historical revenue trends, it is not possible to assess the company's growth potential or trajectory. Risk factors include the inability to assess liquidity risk due to missing balance-sheet data and the absence of going-concern language in source documents. Dilution risk is currently low, as there is no difference between basic and diluted shares outstanding, and no dilution adjustments are applied in the valuation snapshot. Recent events, including filings and transcripts, are not disclosed in the available data. No 10-K, 10-Q, or earnings call transcripts are referenced in the source documents, limiting the ability to assess recent operational or strategic developments.
Key takeaways
  • Crystal Valley Financial Corp has no dilution risk, as basic and diluted shares are equal.
  • Liquidity risk could not be assessed due to missing balance-sheet data and no going-concern language in source documents.
  • Profitability and return metrics are not available, preventing comparison to industry benchmarks.
  • No segment or geographic revenue data is disclosed, limiting visibility into revenue concentration.
  • No growth trajectory or forward-looking guidance is available, making it difficult to assess future performance.
  • --
  • ## RATIONALES
  • ```json
Financial snapshot
PeriodHA-latest
CurrencyUSD
Revenue
Gross profit
Operating income
Net income
R&D
SG&A
D&A
SBC
Operating cash flow
CapEx
Free cash flow
Total assets
Total liabilities
Total equity
Cash & equivalents
Long-term debt
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY-4
FY-3
FY-2
FY-1
FY0
PeriodGross %Op %Net %FCF %
FY-4
FY-3
FY-2
FY-1
FY0
PeriodAssetsEquityCashDebt
FY-4
FY-3
FY-2
FY-1
FY0
PeriodOCFCapExFCFSBC
FY-4
FY-3
FY-2
FY-1
FY0
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodGross %Op %Net %FCF %
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodAssetsEquityCashDebt
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodOCFCapExFCFSBC
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book
Net cash
Current ratio
Debt/Equity
ROA
ROE
Cash conversion
CapEx/Revenue
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskUnknown
  • Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).
Industry benchmarks
Activity: Banks · cohort 670 companies
MetricCYVF.PKActivity
Op margin36.8% medp25 22.9% · p75 60.0%
Net margin33.6% medp25 19.4% · p75 51.1%
Gross margin55.0% medp25 42.9% · p75 88.7%
CapEx / revenue-4.6% medp25 -10.4% · p75 -2.1%
Debt / equity56.1% medp25 13.2% · p75 161.2%
Observations
Competitor context
JPMJPMorgan ChaseUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
BACBank of AmericaUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
CCitigroupUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-10 10:39 UTC#15a2f31b
Source: analysis-pipeline (hybrid)Generated: 2026-05-27 17:53 UTCJob: f455ac1a