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Crystal Valley FinancialCYVF 58 3-Year EPS without NRI Growth Rate is 1.40% as of Jun. 2026, which is 20% below its 10-year median of 1.75. GuruFocus rates CYVF with a GF Score™ of 58/100 and a GF Value™ of $77.88 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,407 Banks companies, Crystal Valley Financial ranks worse than 68.16% on this metric.
During the past 12 months, Crystal Valley Financial's average EPS without NRI Growth Rate was 1.40% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 1.40% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 1.70% 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 EPS without NRI growth rate.
During the past 7 years, the highest 3-Year average EPS without NRI Growth Rate of Crystal Valley Financial was 9.70% per year. The lowest was 0.10% per year. And the median was 1.75% per year.
Crystal Valley Financial (OTCPK:CYVF) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Crystal Valley Financial 3-Year EPS without NRI Growth Rate Related Terms
CYVF vs CBKM, USMT, BKSC: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, Crystal Valley Financial's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Crystal Valley Financial's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Crystal Valley Financial's 3-Year EPS without NRI Growth Rate falls into.
Crystal Valley Financial 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 1.40% mean?
Crystal Valley Financial (CYVF) has a 3-Year EPS without NRI Growth Rate of 1.40% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Crystal Valley Financial and its competitors. This is 20% below median its historical median of 1.75. Over the past decade, Crystal Valley Financial's 3-Year EPS without NRI Growth Rate has ranged from 0.10 to 9.70. According to the industry distribution chart, Crystal Valley Financial ranks #959 out of 1407 companies in the Banks industry, placing it in the top 68.2%.
Is Crystal Valley Financial's 3-Year EPS without NRI Growth Rate too high?
Crystal Valley Financial's current 3-Year EPS without NRI Growth Rate of 1.40% is 20% below median its 10-year median of 1.75. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 9.70. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.50. Crystal Valley Financial's value of 1.40% is 81.3% below this industry median. Based on the distribution chart, Crystal Valley Financial ranks #959 out of 1407 companies in the Banks industry, which is below the industry midpoint. 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 EPS without NRI Growth Rate compare to CBKM and USMT?
According to the Banks industry distribution chart, Crystal Valley Financial ranks #959 out of 1407 companies for 3-Year EPS without NRI Growth Rate. This places Crystal Valley Financial in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. Crystal Valley Financial's value of 1.40% is 81.3% below this benchmark. Historically, Crystal Valley Financial's own 3-Year EPS without NRI Growth Rate has ranged from 0.10 to 9.70 over the past decade. While the company's 10-year median is 1.75 vs. the industry median of 7.50, 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 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,407 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 1.40% is 81.3% 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Crystal Valley Financial and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Crystal Valley Financial's current 3-Year EPS without NRI Growth Rate is 1.40%, which is 20% below median its own 10-year median of 1.75. 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 $77.88, compared to a current price of $79.60 — trading 2.2% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 1.40%, which is 20% below median its 10-year median of 1.75 and 81.3% below the Banks industry median of 7.50. 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Crystal Valley Financial (CYVF), the current 3-Year EPS without NRI Growth Rate is 1.40% 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 $79.60 is trading 2.2% above its estimated GF Value™ of $77.88.
GuruFocus considers Crystal Valley Financial to be Fairly Valued.
Key valuation signals for CYVF:
3-Year EPS without NRI Growth Rate: 1.40% (20% below median its 10-year median of 1.75)
GF Value™: $77.88 vs. price of $79.60 (2.2% above fair value)
Industry Position: 81.3% below the Banks median (#959 of 1407)
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
Get the complete analysis for CYVF
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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