CYVF (Crystal Valley Financial) YoY EPS Growth: 13.28% (As of Jun. 2026)

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CYVF Crystal Valley Financial Corp CYVF
58 GF Score
Price $79.60
GF Value $77.82
Valuation Fairly Valued
! 3 Warning Signs
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What is Crystal Valley Financial YoY EPS Growth?

Crystal Valley Financial CYVF 58 YoY EPS Growth is 13.28% as of Jun. 2026. GuruFocus rates CYVF with a GF Score™ of 58/100 and a GF Value™ of $77.82 (Fairly Valued). The stock has 3 warning signs investors should review.

YoY EPS Growth is the percentage change of Earnings per Share (Diluted) over the past twelve months. Crystal Valley Financial's YoY EPS Growth for the quarter that ended in Jun. 2026 was 13.28%.

Crystal Valley Financial's Earnings per Share (Diluted) for the three months ended in Jun. 2026 was $2.66.

Crystal Valley Financial YoY EPS Growth Historical Data

* Premium members only.

The historical data trend for Crystal Valley Financial's YoY EPS Growth 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 YoY EPS Growth Chart

Crystal Valley Financial Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
YoY EPS Growth
Get a 7-Day Free Trial 7.03 -2.35 -3.93 13.47 -4.31

Crystal Valley Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
YoY EPS Growth 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 11.06 20.31 -47.98 21.26 13.28
CYVF
58GF Score
Crystal Valley Financial Corp CYVF
YoY EPS Growth is just one metric. See GF Score™, valuation, warning signs, and more.
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Crystal Valley Financial YoY EPS Growth Calculation

YoY EPS Growth is the percentage change of Earnings per Share (Diluted) over the past twelve months.

Crystal Valley Financial's YoY EPS Growth for the fiscal year that ended in Dec. 2025 is calculated as:

YoY EPS Growth (A: Dec. 2025 )
=(Earnings per Share (Diluted) (A: Dec. 2025 )-Earnings per Share (Diluted) (A: Dec. 2024 ))/ | Earnings per Share (Diluted) (A: Dec. 2024 ) |
=(8.22-8.59)/ | 8.59 |
=-4.31 %

Crystal Valley Financial's YoY EPS Growth for the quarter that ended in Jun. 2026 is calculated as:

YoY EPS Growth (Q: Jun. 2026 )
=(Earnings per Share (Diluted) (Q: Jun. 2026 )-Earnings per Share (Diluted) (Q: Jun. 2025 )) / | Earnings per Share (Diluted) (Q: Jun. 2025 )) |
=(2.662-2.35)/ | 2.35 |
=13.28 %

* 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.

Frequently Asked Questions Learn more about YoY EPS Growth →
What does a YoY EPS Growth of 13.28% mean?
Crystal Valley Financial (CYVF) has a YoY EPS Growth of 13.28% as of Jun. 2026. YoY EPS Growth is the percentage change of EPS over the past 12-month. View historical data for Crystal Valley Financial and its competitors.
Is Crystal Valley Financial's YoY EPS Growth too high?
Crystal Valley Financial's current YoY EPS Growth is 13.28%. 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 YoY EPS Growth compare to FTFI and ORBN?
Crystal Valley Financial's YoY EPS Growth of 13.28% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good YoY EPS Growth for a Banks company?
A good YoY EPS Growth depends on the Banks industry context. However, YoY EPS Growth should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high YoY EPS Growth mean?
A high YoY EPS Growth can signal that a stock is expensive relative to its fundamentals. YoY EPS Growth is the percentage change of EPS over the past 12-month. View historical data for Crystal Valley Financial and its competitors. Crystal Valley Financial's current YoY EPS Growth is 13.28%. 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 $77.82, compared to a current price of $79.60 — trading 2.3% above its estimated fair value. The current YoY EPS Growth is 13.28%. 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 YoY EPS Growth calculated?
YoY EPS Growth is calculated from a company's financial statements. For Crystal Valley Financial (CYVF), the current YoY EPS Growth is 13.28% 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 2.3% above its estimated GF Value™ of $77.82. GuruFocus considers Crystal Valley Financial to be Fairly Valued.

Key valuation signals for CYVF:

  • YoY EPS Growth: 13.28%
  • GF Value™: $77.82 vs. price of $79.60 (2.3% above fair value)
  • GF Score™: 58/100 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.
58GF Score

Get the complete analysis for CYVF

YoY EPS Growth is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$79.60
Price
$77.82
GF Value