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During the past 12 months, Crystal Valley Financial's average EPS without NRIGrowth Rate was 1.40% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 1.40% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 1.70% per year.
During the past 7 years, Crystal Valley Financial's highest 3-Year average EPS without NRI Growth Rate 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) Earnings per Share (Diluted) Explanation
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 EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Crystal Valley Financial Earnings per Share (Diluted) Related Terms
Crystal Valley Financial Earnings per Share (Diluted) Historical Data
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The historical data trend for Crystal Valley Financial's Earnings per Share (Diluted) 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.
Crystal Valley Financial Earnings per Share (Diluted) Chart
CYVF vs FTFI, ORBN, ADKT: Earnings per Share (Diluted) Comparison
For the Banks - Regional subindustry, Crystal Valley Financial's PE Ratio, along with its competitors' market caps and PE Ratio 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 PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Crystal Valley Financial's PE Ratio distribution charts can be found below:
* The bar in red indicates where Crystal Valley Financial's PE Ratio falls into.
Crystal Valley Financial Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Crystal Valley Financial's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $8.96
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $8.96 mean?
Crystal Valley Financial (CYVF) has a Earnings per Share (Diluted) of $8.96 as of Jun. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Crystal Valley Financial and its competitors. According to the industry distribution chart, Crystal Valley Financial ranks #955 out of 1412 companies in the Banks industry, placing it in the top 67.6%.
Is Crystal Valley Financial's Earnings per Share (Diluted) too high?
Crystal Valley Financial's current Earnings per Share (Diluted) is $8.96. The Banks industry median Earnings per Share (Diluted) is 7.30. Crystal Valley Financial's value of $8.96 is 22.7% above this industry median. Based on the distribution chart, Crystal Valley Financial ranks #955 out of 1412 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 Earnings per Share (Diluted) compare to FTFI and ORBN?
According to the Banks industry distribution chart, Crystal Valley Financial ranks #955 out of 1412 companies for Earnings per Share (Diluted). This places Crystal Valley Financial in the lower half of its industry. The industry median Earnings per Share (Diluted) is 7.30. Crystal Valley Financial's value of $8.96 is 22.7% 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 Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.30, based on 1,412 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Crystal Valley Financial's current Earnings per Share (Diluted) of $8.96 is 22.7% 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 Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Crystal Valley Financial and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Crystal Valley Financial's current Earnings per Share (Diluted) is $8.96. 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 $77.44, compared to a current price of $79.48 — trading 2.6% above its estimated fair value. The current Earnings per Share (Diluted) is $8.96 and 22.7% above the Banks industry median of 7.30. 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 Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Crystal Valley Financial (CYVF), the current Earnings per Share (Diluted) is $8.96 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 $79.48 is trading 2.6% above its estimated GF Value™ of $77.44.
GuruFocus considers Crystal Valley Financial to be Fairly Valued.
Key valuation signals for CYVF:
Earnings per Share (Diluted): $8.96
GF Value™: $77.44 vs. price of $79.48 (2.6% above fair value)
Industry Position: 22.7% above the Banks median (#955 of 1412)
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
Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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