Crystal Valley FinancialCYVF +0.44%61 Shareholder Yield % is 19.27% as of Mar. 2026, which is 1% above its 10-year median of 19.17. 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 1,504 Banks companies, Crystal Valley Financial ranks better than 87.7% on this metric.
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. It is a measure of shareholder return.
As of today, Crystal Valley Financial's Shareholder Yield % was 19.27%.
Crystal Valley Financial (OTCPK:CYVF) Shareholder Yield % Explanation
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. The term was coined by William W. Priest of Epoch Investment Partners in a paper in 2005 entitled The Case for Shareholder Yield as a Dominant Driver of Future Equity Returns. William Priest indicated that "shareholder yield is a term that we came up with to reflect the various ways dividends can be paid to owners of a business in a publicly-traded company."
Dividend Yield % shows how much a company pays out in dividends each year relative to its stock price, which is most obvious form of shareholder return.
Buyback Yield % is the net repurchase of shares outstanding over the market capital of the company. Shares repurchases also increase shareholder value by returning the money back to shareholders.
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced.
Crystal Valley Financial Shareholder Yield % Related Terms
Crystal Valley Financial Shareholder Yield % 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.
Crystal Valley Financial Shareholder Yield % Chart
CYVF vs FTFI, NWPP, NMBF: Shareholder Yield % Comparison
For the Banks - Regional subindustry, Crystal Valley Financial's Shareholder Yield %, along with its competitors' market caps and Shareholder Yield % 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 Shareholder Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Crystal Valley Financial's Shareholder Yield % distribution charts can be found below:
* The bar in red indicates where Crystal Valley Financial's Shareholder Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Shareholder Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
Crystal Valley Financial (CYVF) has a Shareholder Yield % of 19.27% as of Mar. 2026. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on Crystal Valley Financial and its competitors. This is near median its historical median of 19.17. According to the industry distribution chart, Crystal Valley Financial ranks #185 out of 1504 companies in the Banks industry, placing it in the top 12.3%.
Is Crystal Valley Financial's Shareholder Yield % too high?
Crystal Valley Financial's current Shareholder Yield % of 19.27% is near median its 10-year median of 19.17. The Banks industry median Shareholder Yield % is 1.58. Crystal Valley Financial's value of 19.27% is 1123.5% above this industry median. Based on the distribution chart, Crystal Valley Financial ranks #185 out of 1504 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Shareholder Yield % compare to FTFI and NWPP?
According to the Banks industry distribution chart, Crystal Valley Financial ranks #185 out of 1504 companies for Shareholder Yield %. This places Crystal Valley Financial in the top 12% of its industry — outperforming the majority of peers. The industry median Shareholder Yield % is 1.58. Crystal Valley Financial's value of 19.27% is 1123.5% above this benchmark. While the company's 10-year median is 19.17 vs. the industry median of 1.58, 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 Shareholder Yield % for a Banks company?
The median Shareholder Yield % among Banks companies is 1.58, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a Shareholder Yield % significantly above this median, while those in the bottom quartile fall well below. However, Shareholder Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Crystal Valley Financial's current Shareholder Yield % of 19.27% is 1123.5% 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 Shareholder Yield % mean?
A high Shareholder Yield % can signal that a stock is expensive relative to its fundamentals. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on Crystal Valley Financial and its competitors. For the Banks industry, the median Shareholder Yield % is 1.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Crystal Valley Financial's current Shareholder Yield % is 19.27%, which is near median its own 10-year median of 19.17. 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 Shareholder Yield % is 19.27%, which is near median its 10-year median of 19.17 and 1123.5% above the Banks industry median of 1.58. 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 Shareholder Yield % calculated?
Shareholder Yield % is calculated from a company's financial statements. For Crystal Valley Financial (CYVF), the current Shareholder Yield % is 19.27% 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:
Shareholder Yield %: 19.27% (near median its 10-year median of 19.17)
GF Value™: $76.51 vs. price of $79.95 (4.5% above fair value)
Industry Position: 1123.5% above the Banks median (#185 of 1504)
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
Shareholder Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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