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Crystal Valley FinancialCYVF -0.03%58 Equity-to-Asset is 0.12 as of Jun. 2026, which is 9% above its 10-year median of 0.11. GuruFocus rates CYVF with a GF Score™ of 58/100 and a GF Value™ of $77.44 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,525 Banks companies, Crystal Valley Financial ranks better than 72.33% on this metric.
Crystal Valley Financial (OTCPK:CYVF) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Crystal Valley Financial Equity-to-Asset Related Terms
Crystal Valley Financial Equity-to-Asset 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, ORBN, ADKT: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Crystal Valley Financial's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Crystal Valley Financial's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Crystal Valley Financial's Equity-to-Asset falls into.
Crystal Valley Financial Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Crystal Valley Financial's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.12 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Crystal Valley Financial and its competitors. This is near median its historical median of 0.11. Over the past decade, Crystal Valley Financial's Equity-to-Asset has ranged from 0.08 to 0.13. According to the industry distribution chart, Crystal Valley Financial ranks #422 out of 1525 companies in the Banks industry, placing it in the top 27.7%.
Is Crystal Valley Financial's Equity-to-Asset too high?
Crystal Valley Financial's current Equity-to-Asset of 0.12 is near median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.13. The Banks industry median Equity-to-Asset is 0.10. Crystal Valley Financial's value of 0.12 is 20% above this industry median. Based on the distribution chart, Crystal Valley Financial ranks #422 out of 1525 companies in the Banks industry, which is above 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 Equity-to-Asset compare to FTFI and ORBN?
According to the Banks industry distribution chart, Crystal Valley Financial ranks #422 out of 1525 companies for Equity-to-Asset. This puts Crystal Valley Financial in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Crystal Valley Financial's value of 0.12 is 20% above this benchmark. Historically, Crystal Valley Financial's own Equity-to-Asset has ranged from 0.08 to 0.13 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Crystal Valley Financial's current Equity-to-Asset of 0.12 is 20% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Crystal Valley Financial and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Crystal Valley Financial's current Equity-to-Asset is 0.12, which is near median its own 10-year median of 0.11. 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 Equity-to-Asset is 0.12, which is near median its 10-year median of 0.11 and 20% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Crystal Valley Financial (CYVF), the current Equity-to-Asset is 0.12 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:
Equity-to-Asset: 0.12 (near median its 10-year median of 0.11)
GF Value™: $77.44 vs. price of $79.48 (2.6% above fair value)
Industry Position: 20% above the Banks median (#422 of 1525)
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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