CYVF (Crystal Valley Financial) Scaled Net Operating Assets: 0.17 (As of Mar. 2026)


CYVF Crystal Valley Financial Corp CYVF
61 GF Score
Price $79.95
GF Value $76.51
Valuation Fairly Valued
! 3 Warning Signs
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What is Crystal Valley Financial Scaled Net Operating Assets?

Crystal Valley Financial CYVF +0.44% 61 Scaled Net Operating Assets is 0.17 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Crystal Valley Financial's operating assets for the quarter that ended in Mar. 2026 was $799.99 Mil. Crystal Valley Financial's operating liabilities for the quarter that ended in Mar. 2026 was $662.75 Mil. Crystal Valley Financial's Total Assets for the quarter that ended in Dec. 2025 was $811.98 Mil. Therefore, Crystal Valley Financial's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.17.

CYVF
61GF Score
Crystal Valley Financial Corp CYVF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Crystal Valley Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Crystal Valley Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(801.84-672.962)/786.474
=0.16

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=811.978 - 10.138
=801.84

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=718.927 - 45.965 - 0
=672.962

Crystal Valley Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(799.991-662.748)/811.978
=0.17

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=812.032 - 12.041
=799.991

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=718.213 - 55.465 - 0
=662.748

* 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.

What does a Scaled Net Operating Assets of 0.17 mean?
Crystal Valley Financial (CYVF) has a Scaled Net Operating Assets of 0.17 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Crystal Valley Financial and its competitors.
Is Crystal Valley Financial's Scaled Net Operating Assets too high?
Crystal Valley Financial's current Scaled Net Operating Assets is 0.17. 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 Scaled Net Operating Assets compare to FTFI and NWPP?
Crystal Valley Financial's Scaled Net Operating Assets of 0.17 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Crystal Valley Financial and its competitors. Crystal Valley Financial's current Scaled Net Operating Assets is 0.17. 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 Scaled Net Operating Assets is 0.17. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Crystal Valley Financial (CYVF), the current Scaled Net Operating Assets is 0.17 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:

  • Scaled Net Operating Assets: 0.17
  • GF Value™: $76.51 vs. price of $79.95 (4.5% above fair value)
  • GF Score™: 61/100 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.
61GF Score

Get the complete analysis for CYVF

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$79.95
Price
$76.51
GF Value