CYVF (Crystal Valley Financial) Tariff Resilience Score: 9/10 (As of Jul. 12, 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 Tariff Resilience Score?

Crystal Valley Financial CYVF +0.44% 61 Tariff Resilience Score is 9 as of Jul. 12, 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. Among 1,610 Banks companies, Crystal Valley Financial ranks better than 99.25% on this metric.

Crystal Valley Financial has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

Crystal Valley Financial has As a regional financial institution, Crystal Valley Financial Corp has negligible exposure to international trade tariffs, with operations focused on local markets.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Crystal Valley Financial might have Highly Resilient.

Crystal Valley Financial  (OTCPK:CYVF) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Crystal Valley Financial Tariff Resilience Score Related Terms

CYVF vs FTFI, NWPP, NMBF: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, Crystal Valley Financial's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, Crystal Valley Financial's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where Crystal Valley Financial's Tariff Resilience Score falls into.


CYVF
61GF Score
Crystal Valley Financial Corp CYVF
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
Crystal Valley Financial (CYVF) has a Tariff Resilience Score of 9 as of Jul. 12, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Crystal Valley Financial ranks #12 out of 1610 companies in the Banks industry, placing it in the top 0.7%.
Is Crystal Valley Financial's Tariff Resilience Score too high?
Crystal Valley Financial's current Tariff Resilience Score is 9. Based on the distribution chart, Crystal Valley Financial ranks #12 out of 1610 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 Tariff Resilience Score compare to FTFI and NWPP?
According to the Banks industry distribution chart, Crystal Valley Financial ranks #12 out of 1610 companies for Tariff Resilience Score. This places Crystal Valley Financial in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Crystal Valley Financial's current Tariff Resilience Score is 9. 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 Tariff Resilience Score is 9. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Crystal Valley Financial (CYVF), the current Tariff Resilience Score is 9 as of Jul. 12, 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:

  • Tariff Resilience Score: 9
  • 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

Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$79.95
Price
$76.51
GF Value