CYVF (Crystal Valley Financial) Net Margin % : 33.86% (As of Dec. 2024)

View and export this data going back to . Start your Free Trial

What is Crystal Valley Financial Net Margin %?

Net margin is calculated as Net Income divided by its Revenue. Crystal Valley Financial's Net Income for the three months ended in Dec. 2024 was $2.87 Mil. Crystal Valley Financial's Revenue for the three months ended in Dec. 2024 was $8.48 Mil. Therefore, Crystal Valley Financial's net margin for the quarter that ended in Dec. 2024 was 33.86%.

The historical rank and industry rank for Crystal Valley Financial's Net Margin % or its related term are showing as below:

CYVF' s Net Margin % Range Over the Past 10 Years
Min: 32.18 Med: 34.14 Max: 35.33
Current: 33.67

CYVF's Net Margin % is ranked better than
73.68% of 1539 companies
in the Banks industry
Industry Median: 25.04 vs CYVF: 33.67

Crystal Valley Financial Net Margin % Historical Data

The historical data trend for Crystal Valley Financial's Net Margin % 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.

* Premium members only.

Crystal Valley Financial Net Margin % Chart

Crystal Valley Financial Annual Data

Trend

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Net Margin %

Get a 7-Day Free Trial

34.69

35.33

34.59

32.18

33.68

Crystal Valley Financial Quarterly Data
	Dec19	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24
Net Margin %	Get a 7-Day Free Trial															28.70	33.28	33.97	33.57	33.86

Competitive Comparison of Crystal Valley Financial's Net Margin %

For the Banks - Regional subindustry, Crystal Valley Financial's Net Margin %, along with its competitors' market caps and Net Margin % 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's Net Margin % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Crystal Valley Financial's Net Margin % distribution charts can be found below:

* The bar in red indicates where Crystal Valley Financial's Net Margin % falls into.

Save Embed

;

Save Embed

;

Crystal Valley Financial Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Crystal Valley Financial's Net Margin for the fiscal year that ended in Dec. 2024 is calculated as

Net Margin	=	Net Income (A: Dec. 2024 )	/	Revenue (A: Dec. 2024 )
	=	11.101	/	32.964
	=	33.68 %

Crystal Valley Financial's Net Margin for the quarter that ended in Dec. 2024 is calculated as

Net Margin	=	Net Income (Q: Dec. 2024 )	/	Revenue (Q: Dec. 2024 )
	=	2.872	/	8.482
	=	33.86 %

Crystal Valley Financial (OTCPK:CYVF) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.

Crystal Valley Financial Net Margin % Related Terms

Thank you for viewing the detailed overview of Crystal Valley Financial's Net Margin % provided by GuruFocus.com. Please click on the following links to see related term pages.

Crystal Valley Financial Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Crystal Valley Financial Corp (OTCPK:CYVF) » Definitions » Net Margin %

Comparable Companies

Traded in Other Exchanges

N/A

Address

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

Website

https://www.bfirst.bank

Crystal Valley Financial Corp operates as the holding company for First State Bank that provides various personal and business banking products and services in Northern Indiana. Its deposit products include checking, savings, and money market accounts, as well as certificates of deposit. The company 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.