CYVF (Crystal Valley Financial) Accounts Receivable : $0.00 Mil (As of Jun. 2024)

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What is Crystal Valley Financial Accounts Receivable?

Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Crystal Valley Financial's accounts receivables for the quarter that ended in Jun. 2024 was $0.00 Mil.

Accounts receivable can be measured by Days Sales Outstanding. Crystal Valley Financial's Days Sales Outstanding for the quarter that ended in Jun. 2024 was 0.00.

In Ben Graham's calculation of Net-Net Working Capital, accounts receivable are only considered to be worth 75% of book value. Crystal Valley Financial's Net-Net Working Capital per share for the quarter that ended in Jun. 2024 was $-531.61.

Crystal Valley Financial Accounts Receivable Historical Data

The historical data trend for Crystal Valley Financial's Accounts Receivable can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Crystal Valley Financial Accounts Receivable Chart

Crystal Valley Financial Annual Data

Trend

Dec19

Dec20

Dec21

Dec22

Dec23

Accounts Receivable

Crystal Valley Financial Quarterly Data
	Dec19	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24
Accounts Receivable	Get a 7-Day Free Trial													-	-	-	-	-

Crystal Valley Financial Accounts Receivable Calculation

Accounts Receivable is money owed to a business by customers and shown on its Balance Sheet as an asset.

Crystal Valley Financial Accounts Receivable Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's accounts receivables are being managed.

Crystal Valley Financial's Days Sales Outstanding for the quarter that ended in Jun. 2024 is calculated as:

	Days Sales Outstanding
=	Accounts Receivable	/	Revenue	*	Days in Period
=	0	/	8.068	*	91
=	0.00

2. In Ben Graham's calculation of Net-Net Working Capital (NNWC), Crystal Valley Financial's accounts receivable are only considered to be worth 75% of book value:

Crystal Valley Financial's Net-Net Working Capital Per Share for the quarter that ended in Jun. 2024 is calculated as:

	Net-Net Working Capital Per Share
=	(Cash And Cash Equivalents	+	0.75 * Accounts Receivable	+	0.5 * Total Inventories	-	Total Liabilities
-	Preferred Stock	-	Minority Interest)	/	Shares Outstanding (EOP)
=	(14.942	+	0.75 * 0	+	0.5 * 0	-	703.699
-	0	-	0)	/	1.2956
=	-531.61

Be Aware

Net receivables tells us a great deal about the different competitors in the same industry. In competitive industries, some attempt to gain advantage by offering better credit terms, causing increase in sales and receivables.

If company consistently shows lower % Net receivables to gross sales than competitors, then it usually has some kind of competitive advantage which requires further digging.

Average Days Sales Outstanding is a good indicator for measuring a company's sales channel and customers. A company may book great revenue and earnings growth but never receive payment from their customers. This may force a write-off in the future and depress future earnings.

Crystal Valley Financial Accounts Receivable Related Terms

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Crystal Valley Financial Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Crystal Valley Financial Corp (OTCPK:CYVF) » Definitions » Accounts Receivable

Comparable Companies

Traded in Other Exchanges

N/A

Address

111 S. Main Street, P. O. Box 69, Middlebury, IN, USA, 46540

Website

https://www.bfirst.bank

Crystal Valley Financial Corp operates as the holding company for First State Bank that provides various personal and business banking products and services in Northern Indiana. Its deposit products include checking, savings, and money market accounts, as well as certificates of deposit. The company also provides consumer, personal, and home equity loans and lines; business loans, term loans, lines of credit, agricultural loans, commercial real estate, letters of credit, and small business administration loans. In addition, it offers trust, wealth management, and investment services.