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.
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.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
10-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past ten years. It is calculated as the annualized percentage change in shares outstanding from ten years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Crystal Valley Financial's current 10-Year Share Buyback Ratio was 0.00%.
CYVF's 10-Year Share Buyback Ratio is not ranked *
in the Banks industry.
Industry Median: -1.4 * Ranked among companies with meaningful 10-Year Share Buyback Ratio only.
Crystal Valley Financial (OTCPK:CYVF) 10-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Crystal Valley Financial 10-Year Share Buyback Ratio Related Terms
CYVF vs FTFI, ORBN, ADKT: 10-Year Share Buyback Ratio Comparison
For the Banks - Regional subindustry, Crystal Valley Financial's 10-Year Share Buyback Ratio, along with its competitors' market caps and 10-Year Share Buyback Ratio 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 10-Year Share Buyback Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Crystal Valley Financial's 10-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Crystal Valley Financial's 10-Year Share Buyback Ratio falls into.
Crystal Valley Financial 10-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from ten years ago to the current year. The annualized percentage change is calculated with least-square regression based on the eleven years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 10-Year Share Buyback Ratio of 0.00 mean?
Crystal Valley Financial (CYVF) has a 10-Year Share Buyback Ratio of 0.00 as of Jun. 2026. The 10-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past ten years. It is calculated as the annualized percentage change in shares outstanding from ten years ago to the current year. View historical data for Crystal Valley Financial and its competitors. According to the industry distribution chart, Crystal Valley Financial ranks #999999 out of 1037 companies in the Banks industry.
Is Crystal Valley Financial's 10-Year Share Buyback Ratio too high?
Crystal Valley Financial's current 10-Year Share Buyback Ratio is 0.00. Based on the distribution chart, Crystal Valley Financial ranks #999999 out of 1037 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 10-Year Share Buyback Ratio compare to FTFI and ORBN?
According to the Banks industry distribution chart, Crystal Valley Financial ranks #999999 out of 1037 companies for 10-Year Share Buyback Ratio. This places Crystal Valley Financial in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year Share Buyback Ratio for a Banks company?
A good 10-Year Share Buyback Ratio depends on the Banks industry context. However, 10-Year Share Buyback Ratio 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 10-Year Share Buyback Ratio mean?
A high 10-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 10-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past ten years. It is calculated as the annualized percentage change in shares outstanding from ten years ago to the current year. View historical data for Crystal Valley Financial and its competitors. Crystal Valley Financial's current 10-Year Share Buyback Ratio is 0.00. 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 $77.67, compared to a current price of $79.50 — trading 2.4% above its estimated fair value. The current 10-Year Share Buyback Ratio is 0.00. 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 10-Year Share Buyback Ratio calculated?
10-Year Share Buyback Ratio is calculated from a company's financial statements. For Crystal Valley Financial (CYVF), the current 10-Year Share Buyback Ratio is 0.00 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 $79.50 is trading 2.4% above its estimated GF Value™ of $77.67.
GuruFocus considers Crystal Valley Financial to be Fairly Valued.
Key valuation signals for CYVF:
10-Year Share Buyback Ratio: 0.00
GF Value™: $77.67 vs. price of $79.50 (2.4% above fair value)
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.
58GF Score
Get the complete analysis for CYVF
10-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CYVF has been successfully added to your 
