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Crystal Valley FinancialCYVF -0.04%61 Debt-to-Equity is 0.59 as of Mar. 2026, which is 4% above its 10-year median of 0.57. GuruFocus rates CYVF with a GF Score™ of 61/100 and a GF Value™ of $76.73 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,422 Banks companies, Crystal Valley Financial ranks worse than 51.34% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Crystal Valley Financial's Debt-to-Equity or its related term are showing as below:
CYVF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.25 Med: 0.57 Max: 1.06
Current: 0.59
During the past 7 years, the highest Debt-to-Equity Ratio of Crystal Valley Financial was 1.06. The lowest was 0.25. And the median was 0.57.
CYVF's Debt-to-Equity is ranked worse than 51.34% of 1422
companies
in the Banks industry
Industry Median: 0.57
vs CYVF: 0.59
Crystal Valley Financial (OTCPK:CYVF) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Crystal Valley Financial Debt-to-Equity Related Terms
Crystal Valley Financial Debt-to-Equity 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.
CYVF vs FTFI, NWPP, NMBF: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Crystal Valley Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Crystal Valley Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Crystal Valley Financial's Debt-to-Equity 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 Debt-to-Equity of 0.59 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Crystal Valley Financial and its competitors. This is near median its historical median of 0.57. Over the past decade, Crystal Valley Financial's Debt-to-Equity has ranged from 0.25 to 1.06. According to the industry distribution chart, Crystal Valley Financial ranks #730 out of 1422 companies in the Banks industry, placing it in the top 51.3%.
Is Crystal Valley Financial's Debt-to-Equity too high?
Crystal Valley Financial's current Debt-to-Equity of 0.59 is near median its 10-year median of 0.57. Over the past 10 years, this metric has ranged from a low of 0.25 to a high of 1.06. The Banks industry median Debt-to-Equity is 0.57. Crystal Valley Financial's value of 0.59 is 3.5% above this industry median. Based on the distribution chart, Crystal Valley Financial ranks #730 out of 1422 companies in the Banks industry, which is below the industry midpoint. Overall, Crystal Valley Financial has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Crystal Valley Financial's Debt-to-Equity compare to FTFI and NWPP?
According to the Banks industry distribution chart, Crystal Valley Financial ranks #730 out of 1422 companies for Debt-to-Equity. This places Crystal Valley Financial in the lower half of its industry. The industry median Debt-to-Equity is 0.57. Crystal Valley Financial's value of 0.59 is 3.5% above this benchmark. Historically, Crystal Valley Financial's own Debt-to-Equity has ranged from 0.25 to 1.06 over the past decade. While the company's 10-year median is 0.57 vs. the industry median of 0.57, Crystal Valley Financial has consistently been above 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Crystal Valley Financial's current Debt-to-Equity of 0.59 is 3.5% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Crystal Valley Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Crystal Valley Financial's current Debt-to-Equity is 0.59, which is near median its own 10-year median of 0.57. 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 $76.73, compared to a current price of $79.48 — trading 3.6% above its estimated fair value. The current Debt-to-Equity is 0.59, which is near median its 10-year median of 0.57 and 3.5% above the Banks industry median of 0.57. Crystal Valley Financial's overall GF Score™ is 61/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Crystal Valley Financial (CYVF), the current Debt-to-Equity is 0.59 as of Mar. 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 $79.48 is trading 3.6% above its estimated GF Value™ of $76.73.
GuruFocus considers Crystal Valley Financial to be Fairly Valued.
Key valuation signals for CYVF:
Debt-to-Equity: 0.59 (near median its 10-year median of 0.57)
GF Value™: $76.73 vs. price of $79.48 (3.6% above fair value)
Industry Position: 3.5% above the Banks median (#730 of 1422)
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.
61GF Score
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