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Crystal Valley Financial Corporation (CYVF)
Middlebury, IN, US
Crystal Valley Financial Corporation serves as the holding entity for First State Bank, providing a comprehensive suite of banking products and services to individuals and businesses across Northern Indiana, specifically within Elkhart and St. Joseph counties. The company's deposit solutions encompass checking, savings, and money market accounts, alongside certificates of deposit. Lending options are diverse, featuring consumer, personal, home equity, and mortgage loans, in addition to specialized business financing such as term loans, lines of credit, agricultural loans, commercial real estate funding, letters of credit, and Small Business Administration (SBA) loans. Beyond core banking, Crystal Valley Financial extends its offerings to include trust, wealth management, and investment advisory services, as well as a variety of insurance products. Operational services further enhance customer convenience, covering debit and credit cards, cash management, automated clearing house (ACH) transfers, wire transfers, remote deposit, online banking, bill payment, check collection, and night depository facilities. Founded in 1910, the corporation is based in Middlebury, Indiana, and reaches its clientele through a network of seven branch offices.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +0.00% | -0.63% | +1.28% | +7.85% | +5.69% | +21.54% | +31.67% | +32.77% | +133.45% | +229.17% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
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Revenue growth+6.4% Q1'26: +4.4% (vs Q1'25)
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EPS growth-4.4% Q1'26: +21.3% (vs Q1'25)
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FCF margin— Q1'26: +0.0% (vs Q1'25)
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EBIT margin— Q1'26: +30.9% (vs Q1'25)
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ROIC— Q1'26: +8.9% (vs Q1'25)
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Share dilution-1.5% Q1'26: -1.4% (vs Q1'25)
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Debt / EBITDA— Q1'26: 3.84× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-21 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-20 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-11 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-06 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-01 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-30 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-24 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-22 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Carl D. Eash | Secretary & Director | — | male |
| D. Joe Caffee | President, Chief Executive Officer & Director | — | male |
| Jared E. Sponseller | Senior Vice President & Chief Financial Officer | — | male |
| Sam H. Hoover | Chief Operating Officer & Director | — | male |
| Samuel E. Weirich | Senior Vice President | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for CYVF
Short-term intention
Target Price Distribution
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