CYVF (Crystal Valley Financial) EV-to-FCF: (As of Jul. 12, 2026)


CYVF Crystal Valley Financial Corp CYVF
61 GF Score
Price $79.95
GF Value $76.51
Valuation Fairly Valued
! 3 Warning Signs
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What is Crystal Valley Financial EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Crystal Valley Financial's Enterprise Value is $144.27 Mil. Crystal Valley Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $0.00 Mil. Therefore, Crystal Valley Financial's EV-to-FCF for today is .

The historical rank and industry rank for Crystal Valley Financial's EV-to-FCF or its related term are showing as below:

CYVF' s EV-to-FCF Range Over the Past 10 Years
Min: 0   Med: 0   Max: 12.27
Current: 12.27

During the past 7 years, the highest EV-to-FCF of Crystal Valley Financial was 12.27. The lowest was 0.00. And the median was 0.00.

CYVF's EV-to-FCF is ranked worse than
69.31% of 1199 companies
in the Banks industry
Industry Median: 6.56 vs CYVF: 12.27

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-07-12), Crystal Valley Financial's stock price is $79.95. Crystal Valley Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $8.650. Therefore, Crystal Valley Financial's PE Ratio (TTM) for today is 9.24.


Crystal Valley Financial  (OTCPK:CYVF) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Crystal Valley Financial's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=79.95/8.650
=9.24

Crystal Valley Financial's share price for today is $79.95.
Crystal Valley Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $8.650.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Crystal Valley Financial EV-to-FCF Related Terms


Crystal Valley Financial EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Crystal Valley Financial's EV-to-FCF 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 EV-to-FCF Chart

Crystal Valley Financial Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial 9.73 8.30 13.28 10.95 11.07

Crystal Valley Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EV-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 11.07 0.00

CYVF vs FTFI, NWPP, NMBF: EV-to-FCF Comparison

For the Banks - Regional subindustry, Crystal Valley Financial's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Crystal Valley Financial's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where Crystal Valley Financial's EV-to-FCF falls into.


CYVF
61GF Score
Crystal Valley Financial Corp CYVF
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
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Crystal Valley Financial EV-to-FCF Calculation

Crystal Valley Financial's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=144.265/0
=

Crystal Valley Financial's current Enterprise Value is $144.27 Mil.
Crystal Valley Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.00 Mil.

* 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.

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 $79.95 is trading 4.5% above its estimated GF Value™ of $76.51. GuruFocus considers Crystal Valley Financial to be Fairly Valued.

Key valuation signals for CYVF:

  • EV-to-FCF:
  • GF Value™: $76.51 vs. price of $79.95 (4.5% above fair value)
  • GF Score™: 61/100 with 3 warning signs

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 Business Description

Address 111 S. Main Street, P. O. Box 69, Middlebury, IN, USA, 46540
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

Get the complete analysis for CYVF

EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$79.95
Price
$76.51
GF Value