Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Pretax income is the income that a company earns before paying income taxes. Crystal Valley Financial's pretax income for the
three
months ended in Jun. 2026 was $4.06 Mil.
Its pretax income for the trailing twelve months (TTM) ended in Jun. 2026 was $13.53 Mil.
Crystal Valley Financial's pretax margin was 41.64%.
During the past 7 years, Crystal Valley Financial's highest Pretax Margin was 41.34%. The lowest was 34.03%. And the median was 40.01%.
During the past 7 years, Crystal Valley Financial's highest Pretax Margin was 41.34%. The lowest was 34.03%. And the median was 40.01%.
* 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 Pre-Tax Income Related Terms
Crystal Valley Financial Pre-Tax Income 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: Pre-Tax Income Comparison
For the Banks - Regional subindustry, Crystal Valley Financial's Pre-Tax Income, along with its competitors' market caps and Pre-Tax Income 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 Pre-Tax Income vs Banks Industry
For the Banks industry and Financial Services sector, Crystal Valley Financial's Pre-Tax Income distribution charts can be found below:
* The bar in red indicates where Crystal Valley Financial's Pre-Tax Income falls into.
Pre-Tax Income for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $13.53 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.
Crystal Valley Financial (CYVF) has a Pre-Tax Income of $13.53 Mil as of Jun. 2026. Pre-Tax Income is the total earnings before taxes but after all operating and interest expenses. View historical data on Crystal Valley Financial and its competitors.
Is Crystal Valley Financial's Pre-Tax Income too high?
Crystal Valley Financial's current Pre-Tax Income is $13.53 Mil. 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 Pre-Tax Income compare to FTFI and ORBN?
Crystal Valley Financial's Pre-Tax Income of $13.53 Mil 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 Pre-Tax Income for a Banks company?
A good Pre-Tax Income depends on the Banks industry context. However, Pre-Tax Income 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 Pre-Tax Income mean?
A high Pre-Tax Income can signal that a stock is expensive relative to its fundamentals. Pre-Tax Income is the total earnings before taxes but after all operating and interest expenses. View historical data on Crystal Valley Financial and its competitors. Crystal Valley Financial's current Pre-Tax Income is $13.53 Mil. 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 Pre-Tax Income is $13.53 Mil. 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 Pre-Tax Income calculated?
Pre-Tax Income is calculated from a company's financial statements. For Crystal Valley Financial (CYVF), the current Pre-Tax Income is $13.53 Mil 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:
Pre-Tax Income: $13.53 Mil
GF Value™: $77.82 vs. price of $79.60 (2.3% above fair value)
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
Get the complete analysis for CYVF
Pre-Tax Income 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 
