AU
UK
CA
NZ
IND
US
Last update at 2026-06-18T20:00:00Z
Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 12.42M | 13.19M | 12.15M | 12.84M | 13.63M |
| Minority interest | - | - | - | - | - |
| Net income | 10.45M | 11.10M | 10.14M | 11.01M | 11.65M |
| Selling general administrative | 0.28M | 0.34M | 0.31M | 0.60M | - |
| Selling and marketing expenses | 0.87M | 0.93M | 0.84M | 0.81M | - |
| Gross profit | 33.47M | 32.96M | 31.51M | 31.62M | 32.75M |
| Reconciled depreciation | - | 0.51M | 0.44M | - | - |
| Ebit | - | 13.19M | 12.15M | 12.84M | 13.63M |
| Ebitda | 12.42M | 13.70M | 12.59M | -0.20885M | -0.18356M |
| Depreciation and amortization | - | 0.51M | 0.44M | -13.04721M | -13.81602M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 12.42M | 13.16M | 12.15M | 13.05M | 13.82M |
| Other operating expenses | 37.76M | 33.99M | 28.67M | 18.78M | 19.12M |
| Interest expense | 13.67M | 14.22M | 9.31M | - | 0.00000M |
| Tax provision | 1.97M | 2.09M | 2.01M | - | - |
| Interest income | 46.05M | 42.88M | 37.06M | - | - |
| Net interest income | 32.38M | 28.66M | 27.75M | - | - |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 1.97M | 2.09M | 2.01M | 1.83M | 1.98M |
| Total revenue | 50.18M | 47.18M | 40.82M | 31.62M | 32.75M |
| Total operating expenses | 21.05M | 19.81M | 19.36M | 18.78M | 19.12M |
| Cost of revenue | 16.71M | 14.22M | 9.31M | - | - |
| Total other income expense net | - | 0.03M | 22.12M | -0.20885M | -0.18356M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 10.45M | 11.10M | 10.14M | - | - |
| Net income applicable to common shares | - | - | - | 11.01M | 11.65M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 811.98M | 786.47M | 778.21M | 734.22M | 759.56M |
| Intangible assets | - | - | - | - | - |
| Earning assets | - | - | - | - | - |
| Other current assets | 0.83M | -3.02735M | 10.27M | 2.81M | 2.55M |
| Total liab | 718.93M | 705.70M | 703.77M | 667.45M | 40.69M |
| Total stockholder equity | 93.05M | 80.78M | 74.44M | 66.77M | 90.09M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | -0.73335M | 622.00M | 602.13M | - | - |
| Common stock | 2.05M | 2.05M | 2.05M | 2.05M | 2.05M |
| Capital stock | 2.05M | 2.05M | 2.05M | - | - |
| Retained earnings | 129.73M | 122.03M | 113.21M | 105.74M | 97.04M |
| Other liab | - | - | - | 9.28M | 9.42M |
| Good will | - | - | - | - | - |
| Other assets | 798.67M | 786.47M | -9.44108M | 716.03M | 708.70M |
| Cash | 9.31M | 11.58M | 10.27M | 12.91M | 45.13M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 9.55M | 622.70M | 602.85M | 0.27M | 619.37M |
| Current deferred revenue | - | - | -0.72572M | - | - |
| Net debt | 46.20M | 50.43M | 68.29M | -12.90992M | -45.12572M |
| Short term debt | 9.55M | - | 64.34M | - | - |
| Short long term debt | - | - | - | - | - |
| Short long term debt total | 55.51M | 62.02M | 78.56M | - | - |
| Other stockholder equity | -23.56398M | -22.35058M | -20.60616M | -41.02273M | -9.00527M |
| Property plant equipment | - | - | - | 5.28M | 5.74M |
| Total current assets | 13.31M | 14.61M | 13.29M | 12.91M | 45.13M |
| Long term investments | 127.94M | 130.62M | 153.97M | - | - |
| Net tangible assets | - | - | - | 66.77M | 90.09M |
| Short term investments | - | - | -149.61360M | - | - |
| Net receivables | 3.17M | 3.03M | 3.01M | - | - |
| Long term debt | - | - | - | - | - |
| Inventory | - | - | -12.45472M | - | - |
| Accounts payable | 0.73M | 0.70M | 0.73M | 623.90M | 613.81M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -15.16543M | -20.94856M | -20.21740M | - | - |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | - | - |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 28.36M | 161.80M | 181.43M | -5.28308M | -5.73683M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 801.84M | 771.86M | 764.92M | 5.28M | 5.74M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | - | -9.04692M | -47.55569M | - | - |
| Change to liabilities | - | - | - | 0.00000M | 0.00000M |
| Total cashflows from investing activities | - | -9.04692M | -47.50089M | - | - |
| Net borrowings | - | -16.54787M | 52.68M | - | - |
| Total cash from financing activities | - | -1.96967M | 31.10M | - | - |
| Change to operating activities | - | - | - | - | - |
| Net income | 10.45M | 11.10M | 10.14M | 11.01M | 11.65M |
| Change in cash | - | 1.31M | -4.81633M | - | - |
| Begin period cash flow | 11.58M | 10.27M | 15.09M | - | - |
| End period cash flow | - | 11.58M | 10.27M | - | - |
| Total cash from operating activities | - | 12.33M | 11.58M | - | - |
| Issuance of capital stock | - | - | - | - | - |
| Depreciation | - | 0.51M | 0.44M | - | - |
| Other cashflows from investing activities | - | -26.79210M | -63.62145M | - | - |
| Dividends paid | - | 2.29M | 2.30M | - | - |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | - | - | - | - | - |
| Sale purchase of stock | - | -1.74441M | -3.44163M | - | - |
| Other cashflows from financing activities | - | 19.87M | -21.77490M | - | - |
| Change to netincome | - | - | - | - | - |
| Capital expenditures | 0.00000M | 0.24M | 0.54M | 0.00000M | 0.00000M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | - | - | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | - | - |
| Change in working capital | - | -2.24945M | -0.45476M | - | - |
| Stock based compensation | - | - | - | - | - |
| Other non cash items | - | 3.48M | 1.45M | -11.00955M | -11.64905M |
| Free cash flow | - | 12.09M | 11.04M | - | - |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CYVF Crystal Valley Financial Corp |
- -% | 78.00 | 9.73 | - | 3.02 | 1.08 | 4.02 |
| HDB HDFC Bank Limited ADR |
0.03 0.12% | 25.09 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
-0.32 1.06% | 29.79 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
1.60 3.22% | 51.35 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.70 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
Crystal Valley Financial Corporation operates as the holding company for First State Bank that provides various personal and business banking products and services in the United States. The company offers deposits products, including checking, savings, money market accounts, and certificates of deposit (CD), as well as IRAs. It also provides consumer, personal, and home equity loans and lines; mortgage products; and business loans, term loans, agricultural loans, commercial real estate loans, lines of credit, and letters of credit; and business manager and small business administration loans. In addition, the company offers trust and wealth management; and investment management, 401(k) rollover and IRA investment, trustee of revocable living trust, trustee of irrevocable trust, guardianships, estate settlement, charitable trust, estate planning assistance, and irrevocable life insurance trust services. Further, it provides debit and credit cards, cash management, automated clearing house, wire transfer, positive pay, remote deposit and remote deposit capture, online banking, online bill payment, account alert, electronic statement, automated stop payment, CD statement delivery, bounce protection overdraft privilege, check collection, and night depository services. Crystal Valley Financial Corporation was founded in 1910 and is headquartered in Middlebury, Indiana.
111 South Main St., Middlebury, IN, United States, 46540-0069
| Name | Title | Year Born |
|---|---|---|
| Mr. D. Joe Caffee | Pres, CEO & Director | NA |
| Mr. Jared E. Sponseller | Chief Financial Officer | NA |
| Mr. Sam H. Hoover III | Exec. VP, COO & Director | NA |
| Sue Ann Von Blon | Assistant VP, HR | NA |
| Mr. D. Joe Caffee | President, CEO & Director | NA |
| Mr. Jared E. Sponseller | Senior VP & CFO | NA |
| Mr. Sam H. Hoover III | COO & Director | NA |
| Mr. Samuel E. Weirich III | Senior Vice President | NA |
| Mr. Carl D. Eash | Secretary & Director | NA |
Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
Please wait processing your request...