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Crystal Valley FinancialCYVF +0.57%59 Cash-to-Debt is 0.20 as of Jun. 2026, which is 41% below its 10-year median of 0.34. GuruFocus rates CYVF with a GF Score™ of 59/100 and a GF Value™ of $78.08 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,490 Banks companies, Crystal Valley Financial ranks worse than 89.13% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Crystal Valley Financial's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.20.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Crystal Valley Financialcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Crystal Valley Financial's Cash-to-Debt or its related term are showing as below:
CYVF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.13 Med: 0.34 Max: 1.44
Current: 0.2
During the past 7 years, Crystal Valley Financial's highest Cash to Debt Ratio was 1.44. The lowest was 0.13. And the median was 0.34.
CYVF's Cash-to-Debt is ranked worse than 89.13% of 1490
companies
in the Banks industry
Industry Median: 1.38
vs CYVF: 0.20
Crystal Valley Financial (OTCPK:CYVF) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Crystal Valley Financial Cash-to-Debt Related Terms
Crystal Valley Financial Cash-to-Debt Historical Data
* 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Crystal Valley Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Crystal Valley Financial's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Crystal Valley Financial's Cash-to-Debt falls into.
* 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.
Crystal Valley Financial (CYVF) has a Cash-to-Debt of 0.20 as of Jun. 2026. This is 41% below median its historical median of 0.34. Over the past decade, Crystal Valley Financial's Cash-to-Debt has ranged from 0.13 to 1.44. According to the industry distribution chart, Crystal Valley Financial ranks #1328 out of 1490 companies in the Banks industry, placing it in the top 89.1%.
Is Crystal Valley Financial's Cash-to-Debt too high?
Crystal Valley Financial's current Cash-to-Debt of 0.20 is 41% below median its 10-year median of 0.34. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 1.44. The Banks industry median Cash-to-Debt is 1.38. Crystal Valley Financial's value of 0.20 is 85.5% below this industry median. Based on the distribution chart, Crystal Valley Financial ranks #1328 out of 1490 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Crystal Valley Financial has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Crystal Valley Financial's Cash-to-Debt compare to CBKM and USMT?
According to the Banks industry distribution chart, Crystal Valley Financial ranks #1328 out of 1490 companies for Cash-to-Debt. This places Crystal Valley Financial in the lower half of its industry. The industry median Cash-to-Debt is 1.38. Crystal Valley Financial's value of 0.20 is 85.5% below this benchmark. Historically, Crystal Valley Financial's own Cash-to-Debt has ranged from 0.13 to 1.44 over the past decade. While the company's 10-year median is 0.34 vs. the industry median of 1.38, Crystal Valley Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,490 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Crystal Valley Financial's current Cash-to-Debt of 0.20 is 85.5% below 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Crystal Valley Financial's current Cash-to-Debt is 0.20, which is 41% below median its own 10-year median of 0.34. 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 $78.08, compared to a current price of $80.00 — trading 2.5% above its estimated fair value. The current Cash-to-Debt is 0.20, which is 41% below median its 10-year median of 0.34 and 85.5% below the Banks industry median of 1.38. Crystal Valley Financial's overall GF Score™ is 59/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Crystal Valley Financial (CYVF), the current Cash-to-Debt is 0.20 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 $80.00 is trading 2.5% above its estimated GF Value™ of $78.08.
GuruFocus considers Crystal Valley Financial to be Fairly Valued.
Key valuation signals for CYVF:
Cash-to-Debt: 0.20 (41% below median its 10-year median of 0.34)
GF Value™: $78.08 vs. price of $80.00 (2.5% above fair value)
Industry Position: 85.5% below the Banks median (#1328 of 1490)
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.
59GF Score
Get the complete analysis for CYVF
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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