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Crystal Valley Financial Corporation (CYVF) Fair Value & Analysis

Financial Services · US · Market cap $98.6M

Price$79.13
Fair Value$107.74
Upside+36.2%
Quality95/100
Evidence: High Range $80.81 – $134.68

Fair value as of: Jun 26, 2026

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Analysis

Crystal Valley Financial Corporation (CYVF) currently trades at $79.13, while our model-based Fair Value estimate is $107.74 — implying the stock looks roughly 36.2% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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 …

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Frequently asked questions

Is Crystal Valley Financial Corporation (CYVF) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $107.74 versus a price of $79.13 — about +36% (undervalued). Model-based estimate, not financial advice.
What is the fair value of CYVF?
Our 21-model fair value for Crystal Valley Financial Corporation is $107.74 (as of Jun 26, 2026), built from audited fundamentals. The current price is $79.13.
What is the quality score of CYVF?
Crystal Valley Financial Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.