Crystal Valley FinancialCYVF +0.44%61 Return-on-Tangible-Asset is 1.56% as of Mar. 2026, which is 6% above its 10-year median of 1.47. 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 1,532 Banks companies, Crystal Valley Financial ranks better than 72.45% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Crystal Valley Financial's annualizedNet Income for the quarter that ended in Mar. 2026 was $12.68 Mil. Crystal Valley Financial's average total tangible assets for the quarter that ended in Mar. 2026 was $812.01 Mil. Therefore, Crystal Valley Financial's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.56%.
The historical rank and industry rank for Crystal Valley Financial's Return-on-Tangible-Asset or its related term are showing as below:
CYVF'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.31 Med: 1.47 Max: 1.75
Current: 1.36
During the past 7 years, Crystal Valley Financial's highest Return-on-Tangible-Asset was 1.75%. The lowest was 1.31%. And the median was 1.47%.
CYVF's Return-on-Tangible-Asset is ranked better than 72.45% of 1532
companies
in the Banks industry
Industry Median: 0.99
vs CYVF: 1.36
Crystal Valley Financial (OTCPK:CYVF) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Crystal Valley Financial Return-on-Tangible-Asset Related Terms
Crystal Valley Financial Return-on-Tangible-Asset Historical Data
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The historical data trend for Crystal Valley Financial's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Chart
CYVF vs FTFI, NWPP, NMBF: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Crystal Valley Financial's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Crystal Valley Financial's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Crystal Valley Financial's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.56% mean?
Crystal Valley Financial (CYVF) has a Return-on-Tangible-Asset of 1.56% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Crystal Valley Financial and its competitors. This is near median its historical median of 1.47. Over the past decade, Crystal Valley Financial's Return-on-Tangible-Asset has ranged from 1.31 to 1.75. According to the industry distribution chart, Crystal Valley Financial ranks #422 out of 1532 companies in the Banks industry, placing it in the top 27.5%.
Is Crystal Valley Financial's Return-on-Tangible-Asset too high?
Crystal Valley Financial's current Return-on-Tangible-Asset of 1.56% is near median its 10-year median of 1.47. Over the past 10 years, this metric has ranged from a low of 1.31 to a high of 1.75. The Banks industry median Return-on-Tangible-Asset is 0.99. Crystal Valley Financial's value of 1.56% is 57.6% above this industry median. Based on the distribution chart, Crystal Valley Financial ranks #422 out of 1532 companies in the Banks industry, which is above 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 Return-on-Tangible-Asset compare to FTFI and NWPP?
According to the Banks industry distribution chart, Crystal Valley Financial ranks #422 out of 1532 companies for Return-on-Tangible-Asset. This puts Crystal Valley Financial in the upper half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Crystal Valley Financial's value of 1.56% is 57.6% above this benchmark. Historically, Crystal Valley Financial's own Return-on-Tangible-Asset has ranged from 1.31 to 1.75 over the past decade. While the company's 10-year median is 1.47 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,532 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Crystal Valley Financial's current Return-on-Tangible-Asset of 1.56% is 57.6% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Crystal Valley Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Crystal Valley Financial's current Return-on-Tangible-Asset is 1.56%, which is near median its own 10-year median of 1.47. 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 Return-on-Tangible-Asset is 1.56%, which is near median its 10-year median of 1.47 and 57.6% above the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Crystal Valley Financial (CYVF), the current Return-on-Tangible-Asset is 1.56% as of Mar. 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:
Return-on-Tangible-Asset: 1.56% (near median its 10-year median of 1.47)
GF Value™: $76.51 vs. price of $79.95 (4.5% above fair value)
Industry Position: 57.6% above the Banks median (#422 of 1532)
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
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