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Crystal Valley FinancialCYVF 58 5-Year Yield-on-Cost % is 3.61 as of Aug. 27, 2026, which is 4% below its 10-year median of 3.78. 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 1,247 Banks companies, Crystal Valley Financial ranks worse than 54.93% on this metric.
Crystal Valley Financial (OTCPK:CYVF) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Crystal Valley Financial 5-Year Yield-on-Cost % Related Terms
CYVF vs FTFI, ORBN, ADKT: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Crystal Valley Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Crystal Valley Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Crystal Valley Financial's 5-Year Yield-on-Cost % falls into.
Crystal Valley Financial 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Crystal Valley Financial (CYVF) has a 5-Year Yield-on-Cost % of 3.61 as of Aug. 27, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Crystal Valley Financial and its competitors. This is near median its historical median of 3.78. Over the past decade, Crystal Valley Financial's 5-Year Yield-on-Cost % has ranged from 2.35 to 4.20. According to the industry distribution chart, Crystal Valley Financial ranks #685 out of 1247 companies in the Banks industry, placing it in the top 54.9%.
Is Crystal Valley Financial's 5-Year Yield-on-Cost % too high?
Crystal Valley Financial's current 5-Year Yield-on-Cost % of 3.61 is near median its 10-year median of 3.78. Over the past 10 years, this metric has ranged from a low of 2.35 to a high of 4.20. The Banks industry median 5-Year Yield-on-Cost % is 3.85. Crystal Valley Financial's value of 3.61 is 6.2% below this industry median. Based on the distribution chart, Crystal Valley Financial ranks #685 out of 1247 companies in the Banks industry, which is below the industry midpoint. 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 5-Year Yield-on-Cost % compare to FTFI and ORBN?
According to the Banks industry distribution chart, Crystal Valley Financial ranks #685 out of 1247 companies for 5-Year Yield-on-Cost %. This places Crystal Valley Financial in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.85. Crystal Valley Financial's value of 3.61 is 6.2% below this benchmark. Historically, Crystal Valley Financial's own 5-Year Yield-on-Cost % has ranged from 2.35 to 4.20 over the past decade. While the company's 10-year median is 3.78 vs. the industry median of 3.85, Crystal Valley Financial has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.85, based on 1,247 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Crystal Valley Financial's current 5-Year Yield-on-Cost % of 3.61 is 6.2% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Crystal Valley Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Crystal Valley Financial's current 5-Year Yield-on-Cost % is 3.61, which is near median its own 10-year median of 3.78. 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 5-Year Yield-on-Cost % is 3.61, which is near median its 10-year median of 3.78 and 6.2% below the Banks industry median of 3.85. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Crystal Valley Financial (CYVF), the current 5-Year Yield-on-Cost % is 3.61 as of Aug. 27, 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:
5-Year Yield-on-Cost %: 3.61 (near median its 10-year median of 3.78)
GF Value™: $77.82 vs. price of $79.60 (2.3% above fair value)
Industry Position: 6.2% below the Banks median (#685 of 1247)
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
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