Crystal Valley Financial (Crystal Valley Financial) Return-on-Tangible-Equity : 0.00% (As of . 20)

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What is Crystal Valley Financial Return-on-Tangible-Equity?

Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Crystal Valley Financial's annualized net income for the quarter that ended in . 20 was $ Mil. Crystal Valley Financial's average shareholder tangible equity for the quarter that ended in . 20 was $ Mil. Therefore, Crystal Valley Financial's annualized Return-on-Tangible-Equity for the quarter that ended in . 20 was %.

The historical rank and industry rank for Crystal Valley Financial's Return-on-Tangible-Equity or its related term are showing as below:

CYVF's Return-on-Tangible-Equity is not ranked ^*
in the Banks industry.
Industry Median: 10.78
* Ranked among companies with meaningful Return-on-Tangible-Equity only.

Crystal Valley Financial Return-on-Tangible-Equity Historical Data

The historical data trend for Crystal Valley Financial's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart

Crystal Valley Financial Annual Data

Trend

Return-on-Tangible-Equity

Crystal Valley Financial Quarterly Data

Return-on-Tangible-Equity

Competitive Comparison of Crystal Valley Financial's Return-on-Tangible-Equity

For the Banks - Regional subindustry, Crystal Valley Financial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Crystal Valley Financial's Return-on-Tangible-Equity distribution charts can be found below:

* The bar in red indicates where Crystal Valley Financial's Return-on-Tangible-Equity falls into.

Crystal Valley Financial Return-on-Tangible-Equity Calculation

Crystal Valley Financial's annualized Return-on-Tangible-Equity for the fiscal year that ended in . 20 is calculated as

Return-on-Tangible-Equity	=	Net Income	/	( (Total Tangible Equity	+	Total Tangible Equity)	/ count )
		(A: . 20 )		(A: . 20 )		(A: . 20 )
	=	Net Income	/	( (Total Stockholders Equity - Intangible Assets	+	Total Stockholders Equity - Intangible Assets )	/ count )
		(A: . 20 )		(A: . 20 )		(A: . 20 )
	=		/	( (	+	)	/ )
	=		/
	=	%

Crystal Valley Financial's annualized Return-on-Tangible-Equity for the quarter that ended in . 20 is calculated as

Return-on-Tangible-Equity	=	Net Income	/	( (Total Tangible Equity	+	Total Tangible Equity)	/ count )
		(Q: . 20 )		(Q: . 20 )		(Q: . 20 )
	=	Net Income	/	( (Total Stockholders Equity - Intangible Assets	+	Total Stockholders Equity - Intangible Assets)	/ count )
		(Q: . 20 )		(Q: . 20 )		(Q: . 20 )
	=		/	( (	+	)	/ )
	=		/
	=	%

In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data, the net income data used here is four times the quarterly (. 20) net income data. Return-on-Tangible-Equity is displayed in the 10-year financial page.

Crystal Valley Financial (OTCPK:CYVF) Return-on-Tangible-Equity Explanation

Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.

Be Aware

Net Income is used.

Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.

Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.

Crystal Valley Financial Return-on-Tangible-Equity Related Terms

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

Crystal Valley Financial (Crystal Valley Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Crystal Valley Financial Corp (OTCPK:CYVF) » Definitions » Return-on-Tangible-Equity

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.