Stock fact sheet · data as of
Crystal Valley Financial Corporation (CYVF): fair value, margin of safety and Wheel Score
Ticker symbol CYVF · Financial Services · Banks - Regional · United States · Value
Is CYVF undervalued?
At 80.80 (close of 5 Nov 2026), CYVF trades 42% below the GLS average fair value of 138.56. That average comes from 9 models run on the latest filings, and 7 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Crystal Valley Financial Corporation the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
The 9 models disagree widely: Lynch gives 13.05 while Payback Time gives 278.54. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, CYVF is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 73, growth score 52, out of 100).
Nine valuation models for CYVF
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 114.35 | +42% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 126.04 | +56% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 103.69 | +28% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 13.05 | -84% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 228.94 | +183% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 242.29 | +200% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 278.54 | +245% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 35.61 | -56% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 104.51 | +29% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -562.64 | -796% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - CYVF passes 6 of the nine Piotroski tests, which passes the "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 9.1 out of 10 - high returns on capital, steady margins and growth that held up through bad years point to a durable business.
Returns on capital are moderate - ROIC 7.0%, ROE 11.2%, ROA 1.3% - with debt at 0.60 times equity and negative free cash flow.
The dividend yield is 3.00% at a payout ratio of 0%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 7.0% |
|---|---|---|---|
| GLS Moat | 9.1 / 10 | ROE | 11.2% |
| Debt / equity | 0.60 | ROA | 1.3% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 37: No options
CYVF has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (37 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 0k shares a day on a market cap of $101M, with a beta of 0.05 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $101M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 42% below fair value | |
| Premium | Weak | no option data | |
| Moat | Strong | moat 9.1/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.05, $101M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for CYVF in the nightly calendar. The shares go ex-dividend on 5 Nov 2026 (0.6000 per share), so a covered call sold before then carries a small early-assignment risk around that date.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Crystal Valley Financial Corporation by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| MFBP M&F Bancorp, Inc. | 51.84 | 24.82 | -109% | 18No options | $100M |
| NACB National Capital Bancorp, Inc. | 86.90 | 87.57 | +1% | 16No options | $100M |
| ORBN Oregon Bancorp, Inc. | 40.30 | 17.68 | -128% | 17No options | $100M |
| CBKM Consumers Bancorp, Inc. | 31.55 | 39.47 | +20% | 29No options | $100M |
| JBTC JBT Bancorp Inc. | 42.60 | 88.46 | +52% | 32No options | $104M |
| UWHR Uwharrie Capital Corp | 13.97 | 30.05 | +54% | 35No options | $99M |
| CNBB CNB Community Bancorp, Inc. | 51.40 | 67.57 | +24% | 29No options | $104M |
| STBK Studio Bank | 14.50 | 14.77 | +2% | 16No options | $104M |
| SEBC Southeastern Banking Corporation | 32.75 | 42.52 | +23% | 29No options | $104M |
| FNWB First Northwest Bancorp | 10.33 | 18.38 | +44% | 27No options | $98M |
| CITZ Citizens Bancshares Corp. | 50.35 | 126.53 | +60% | 31No options | $105M |
| PBHC Pathfinder Bancorp, Inc. | 16.76 | 18.70 | +10% | 23No options | $105M |
⚖ Compare CYVF with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about CYVF
Is CYVF undervalued right now?
By the GLS models, yes: at 80.80 the stock is 42% below the average fair value of 138.56 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of CYVF and what does it mean?
CYVF has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for CYVF?
138.56 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Crystal Valley Financial Corporation report earnings next?
No upcoming earnings date is recorded for CYVF in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does CYVF have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on CYVF, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.