Crystal Valley FinancialCYVF +0.44%61 PEG Ratio is 2.98 as of Jul. 12, 2026, which is 63% below its 10-year median of 8.07. GuruFocus rates CYVF with a GF Score™ of 61/100 and a GF Value™ of $76.51 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,230 Banks companies, Crystal Valley Financial ranks worse than 73.01% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Crystal Valley Financial's PEG Ratio or its related term are showing as below:
CYVF'
s PEG Ratio Range Over the Past 10 Years
Min: 2.98 Med: 8.07 Max: 13.54
Current: 2.98
During the past 7 years, Crystal Valley Financial's highest PEG Ratio was 13.54. The lowest was 2.98. And the median was 8.07.
CYVF's PEG Ratio is ranked worse than 73.01% of 1230
companies
in the Banks industry
Industry Median: 1.535
vs CYVF: 2.98
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Crystal Valley Financial (OTCPK:CYVF) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Crystal Valley Financial PEG Ratio Related Terms
Crystal Valley Financial PEG Ratio 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.
For the Banks - Regional subindustry, Crystal Valley Financial's PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Crystal Valley Financial's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Crystal Valley Financial's PEG Ratio falls into.
* 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Crystal Valley Financial (CYVF) has a PEG Ratio of 2.98 as of Jul. 12, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Crystal Valley Financial and its competitors. This is 63% below median its historical median of 8.07. Over the past decade, Crystal Valley Financial's PEG Ratio has ranged from 2.98 to 13.54. According to the industry distribution chart, Crystal Valley Financial ranks #898 out of 1230 companies in the Banks industry, placing it in the top 73%.
Is Crystal Valley Financial's PEG Ratio too high?
Crystal Valley Financial's current PEG Ratio of 2.98 is 63% below median its 10-year median of 8.07. Over the past 10 years, this metric has ranged from a low of 2.98 to a high of 13.54. The Banks industry median PEG Ratio is 1.54. Crystal Valley Financial's value of 2.98 is 94.1% above this industry median. Based on the distribution chart, Crystal Valley Financial ranks #898 out of 1230 companies in the Banks industry, which is below the industry midpoint. Overall, Crystal Valley Financial has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Crystal Valley Financial's PEG Ratio compare to FTFI and NWPP?
According to the Banks industry distribution chart, Crystal Valley Financial ranks #898 out of 1230 companies for PEG Ratio. This places Crystal Valley Financial in the lower half of its industry. The industry median PEG Ratio is 1.54. Crystal Valley Financial's value of 2.98 is 94.1% above this benchmark. Historically, Crystal Valley Financial's own PEG Ratio has ranged from 2.98 to 13.54 over the past decade. While the company's 10-year median is 8.07 vs. the industry median of 1.54, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.54, based on 1,230 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Crystal Valley Financial's current PEG Ratio of 2.98 is 94.1% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Crystal Valley Financial and its competitors. For the Banks industry, the median PEG Ratio is 1.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Crystal Valley Financial's current PEG Ratio is 2.98, which is 63% below median its own 10-year median of 8.07. 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 $76.51, compared to a current price of $79.95 — trading 4.5% above its estimated fair value. The current PEG Ratio is 2.98, which is 63% below median its 10-year median of 8.07 and 94.1% above the Banks industry median of 1.54. Crystal Valley Financial's overall GF Score™ is 61/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Crystal Valley Financial (CYVF), the current PEG Ratio is 2.98 as of Jul. 12, 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 $79.95 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:
PEG Ratio: 2.98 (63% below median its 10-year median of 8.07)
GF Value™: $76.51 vs. price of $79.95 (4.5% above fair value)
Industry Position: 94.1% above the Banks median (#898 of 1230)
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.
61GF Score
Get the complete analysis for CYVF
PEG Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CYVF has been successfully added to your 
