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During the past 12 months, Crystal Valley Financial's average Book Value per Share Growth Rate was 15.00% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 14.70% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 3.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 7 years, the highest 3-Year average Book Value per Share Growth Rate of Crystal Valley Financial was 14.70% per year. The lowest was -4.00% per year. And the median was -1.50% per year.
Crystal Valley Financial (OTCPK:CYVF) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Crystal Valley Financial 3-Year Book Growth Rate Related Terms
CYVF vs CBKM, USMT, BKSC: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Crystal Valley Financial's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Crystal Valley Financial 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Crystal Valley Financial's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Crystal Valley Financial's 3-Year Book Growth Rate falls into.
Crystal Valley Financial 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 14.70% mean?
Crystal Valley Financial (CYVF) has a 3-Year Book Growth Rate of 14.70% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Crystal Valley Financial and its competitors. According to the industry distribution chart, Crystal Valley Financial ranks #332 out of 1491 companies in the Banks industry, placing it in the top 22.3%.
Is Crystal Valley Financial's 3-Year Book Growth Rate too high?
Crystal Valley Financial's current 3-Year Book Growth Rate is 14.70%. The Banks industry median 3-Year Book Growth Rate is 8.80. Crystal Valley Financial's value of 14.70% is 67% above this industry median. Based on the distribution chart, Crystal Valley Financial ranks #332 out of 1491 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Crystal Valley Financial has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Crystal Valley Financial's 3-Year Book Growth Rate compare to CBKM and USMT?
According to the Banks industry distribution chart, Crystal Valley Financial ranks #332 out of 1491 companies for 3-Year Book Growth Rate. This places Crystal Valley Financial in the top 22% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.80. Crystal Valley Financial's value of 14.70% is 67% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,491 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Crystal Valley Financial's current 3-Year Book Growth Rate of 14.70% is 67% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Crystal Valley Financial and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Crystal Valley Financial's current 3-Year Book Growth Rate is 14.70%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Crystal Valley Financial stock overvalued right now?
Based on GuruFocus' analysis, Crystal Valley Financial (CYVF) is currently considered Fairly Valued. The stock's GF Value™ is $78.00, compared to a current price of $79.55 — trading 2% above its estimated fair value. The current 3-Year Book Growth Rate is 14.70% and 67% above the Banks industry median of 8.80. Crystal Valley Financial's overall GF Score™ is 58/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Crystal Valley Financial (CYVF), the current 3-Year Book Growth Rate is 14.70% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Crystal Valley Financial (CYVF) Overvalued in 2026?
Based on GuruFocus' analysis, Crystal Valley Financial stock appears to be overvalued.
The current stock price of $79.55 is trading 2% above its estimated GF Value™ of $78.00.
GuruFocus considers Crystal Valley Financial to be Fairly Valued.
Key valuation signals for CYVF:
3-Year Book Growth Rate: 14.70%
GF Value™: $78.00 vs. price of $79.55 (2% above fair value)
Industry Position: 67% above the Banks median (#332 of 1491)
No single metric tells the full story. See the CYVF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Crystal Valley Financial Corp operates as the holding company for First State Bank, which provides various personal and business banking products and services in Northern Indiana. The bank's deposit products include checking, savings, and money market accounts, as well as certificates of deposit. The bank 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.
58GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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