CYVF (Crystal Valley Financial) ROC (Joel Greenblatt) %: % (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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.
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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.

CYVF Crystal Valley Financial Corp CYVF
58 GF Score
Price $79.60
GF Value $77.82
Valuation Fairly Valued
! 3 Warning Signs
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What is Crystal Valley Financial ROC (Joel Greenblatt) %?

Crystal Valley Financial CYVF 58 ROC (Joel Greenblatt) % is % as of Jun. 2026. GuruFocus rates CYVF with a GF Score™ of 58/100 and a GF Value™ of $77.82 (Fairly Valued). The stock has 3 warning signs investors should review. Among 47 Banks companies, Crystal Valley Financial ranks worse than 2127657.45% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

CYVF
58GF Score
Crystal Valley Financial Corp CYVF
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Crystal Valley Financial (CYVF) has a ROC (Joel Greenblatt) % of % as of Jun. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Crystal Valley Financial and its competitors. According to the industry distribution chart, Crystal Valley Financial ranks #999999 out of 47 companies in the Banks industry.
Is Crystal Valley Financial's ROC (Joel Greenblatt) % too high?
Crystal Valley Financial's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Crystal Valley Financial ranks #999999 out of 47 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 ROC (Joel Greenblatt) % compare to FTFI and ORBN?
According to the Banks industry distribution chart, Crystal Valley Financial ranks #999999 out of 47 companies for ROC (Joel Greenblatt) %. This places Crystal Valley Financial in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 50.71. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 50.71, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Crystal Valley Financial and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 50.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Crystal Valley Financial's current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Crystal Valley Financial (CYVF), the current ROC (Joel Greenblatt) % is % 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:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $77.82 vs. price of $79.60 (2.3% above fair value)
  • GF Score™: 58/100 with 3 warning signs

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 Business Description

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

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$79.60
Price
$77.82
GF Value