Crystal Valley Financial Corp
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; mo… Read more
Crystal Valley Financial Corp (CYVF) - Net Assets
Latest net assets as of December 2025: $93.05 Million USD
Based on the latest financial reports, Crystal Valley Financial Corp (CYVF) has net assets worth $93.05 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($811.98 Million) and total liabilities ($718.93 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $93.05 Million |
| % of Total Assets | 11.46% |
| Annual Growth Rate | 6.27% |
| 5-Year Change | 3.29% |
| 10-Year Change | 71.43% |
| Growth Volatility | 19.62 |
Crystal Valley Financial Corp - Net Assets Trend (2007–2025)
This chart illustrates how Crystal Valley Financial Corp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Crystal Valley Financial Corp (2007–2025)
The table below shows the annual net assets of Crystal Valley Financial Corp from 2007 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $93.05 Million | +15.19% |
| 2024-12-31 | $80.78 Million | +8.52% |
| 2023-12-31 | $74.44 Million | +11.49% |
| 2022-12-31 | $66.77 Million | -25.88% |
| 2021-12-31 | $90.09 Million | +7.73% |
| 2020-12-31 | $83.62 Million | +9.17% |
| 2019-12-31 | $76.60 Million | +15.41% |
| 2018-12-31 | $66.38 Million | +8.88% |
| 2017-12-31 | $60.96 Million | +12.31% |
| 2016-12-31 | $54.28 Million | +6.34% |
| 2015-12-31 | $51.04 Million | +63.93% |
| 2007-12-31 | $31.14 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Crystal Valley Financial Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 273.1% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $129.73 Million | 139.42% |
| Common Stock | $2.05 Million | 2.20% |
| Other Comprehensive Income | $-15.17 Million | -16.30% |
| Total Equity | $93.05 Million | 100.00% |
Crystal Valley Financial Corp Competitors by Market Cap
The table below lists competitors of Crystal Valley Financial Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Software Aktiengesellschaft
PINK:SWDAF
|
$61.37 Million |
|
AMICA S.A. ZY 2
F:9R1
|
$61.39 Million |
|
Ajmera Realty & Infra India Limited
NSE:AJMERA
|
$61.39 Million |
|
NORTH MEDIA AS NAM. DK 5
F:3S8
|
$61.39 Million |
|
Commercial Vehicle Group Inc
NASDAQ:CVGI
|
$61.34 Million |
|
Poolbeg Pharma PLC
PINK:POLBF
|
$61.33 Million |
|
Seoul Auction Co. Ltd
KQ:063170
|
$61.32 Million |
|
Bubs Australia Limited
PINK:BUBSF
|
$61.29 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Crystal Valley Financial Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 80,776,944 to 93,050,983, a change of 12,274,039 (15.2%).
- Net income of 10,453,658 contributed positively to equity growth.
- Other comprehensive income increased equity by 5,783,133.
- Other factors decreased equity by 3,962,752.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $10.45 Million | +11.23% |
| Other Comprehensive Income | $5.78 Million | +6.22% |
| Other Changes | $-3.96 Million | -4.26% |
| Total Change | $- | 15.19% |
Book Value vs Market Value Analysis
This analysis compares Crystal Valley Financial Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.86x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.92x to 0.86x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2015-12-31 | $32.93 | $63.25 | x |
| 2016-12-31 | $35.00 | $63.25 | x |
| 2017-12-31 | $39.18 | $63.25 | x |
| 2018-12-31 | $42.64 | $63.25 | x |
| 2019-12-31 | $49.53 | $63.25 | x |
| 2020-12-31 | $56.47 | $63.25 | x |
| 2021-12-31 | $62.43 | $63.25 | x |
| 2022-12-31 | $47.81 | $63.25 | x |
| 2023-12-31 | $55.54 | $63.25 | x |
| 2024-12-31 | $62.52 | $63.25 | x |
| 2025-12-31 | $73.13 | $63.25 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Crystal Valley Financial Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 11.23%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 20.83%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 8.73x
- Recent ROE (11.23%) is below the historical average (12.52%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2007 | 12.04% | 24.42% | 0.04x | 11.53x | $633.97K |
| 2015 | 9.59% | 20.61% | 0.05x | 8.92x | $-211.12K |
| 2016 | 10.99% | 23.33% | 0.05x | 9.27x | $536.23K |
| 2017 | 11.26% | 24.69% | 0.05x | 8.86x | $768.21K |
| 2018 | 12.99% | 28.61% | 0.05x | 8.53x | $1.99 Million |
| 2019 | 12.05% | 28.61% | 0.05x | 7.77x | $1.57 Million |
| 2020 | 13.35% | 31.40% | 0.05x | 8.16x | $2.81 Million |
| 2021 | 12.93% | 32.88% | 0.05x | 8.43x | $2.64 Million |
| 2022 | 16.49% | 31.80% | 0.05x | 11.00x | $4.33 Million |
| 2023 | 13.62% | 24.84% | 0.05x | 10.45x | $2.70 Million |
| 2024 | 13.74% | 23.53% | 0.06x | 9.74x | $3.02 Million |
| 2025 | 11.23% | 20.83% | 0.06x | 8.73x | $1.15 Million |
Industry Comparison
This section compares Crystal Valley Financial Corp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Crystal Valley Financial Corp (CYVF) | $93.05 Million | 12.04% | 7.73x | $61.35 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |