Crystal Valley Financial Corporation (CYVF)

Crystal Valley Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	43.16	42.1	38.72	32.94	24.78	23.38
Interest Income on Investments	3.84	3.95	4.16	4.12	4.84	3.95
Total Interest Income	47.01	46.05	42.88	37.06	29.63	27.32
Interest Paid on Deposits	10.58	11.09	10.31	6.19	2.1	1.82
Interest Paid on Borrowings	2.51	2.58	3.9	3.12	0.69	0.63
Total Interest Expense	13.09	13.67	14.22	9.31	2.79	2.45
Net Interest Income	33.91	32.38	28.66	27.75	26.84	24.87
Net Interest Income Growth	8.47%	12.98%	3.29%	3.38%	7.91%	-2.11%
Trust Income	1.62	1.45	1.27	1.16	1.24	1.23
Gain (Loss) on Sale of Investments	0	-0.35	-2.45	0.03	0.22	0.63
Other Non-Interest Income	2.29	2.12	4.78	2.16	2.18	3.68
Total Non-Interest Income	4.87	4.13	4.3	3.76	4.99	8.1
Non-Interest Income Growth	19.16%	-4.10%	14.36%	-24.64%	-38.35%	19.40%
Revenues Before Loan Losses	38.78	36.51	32.96	31.51	31.83	32.97
Provision for Loan Losses	2.45	3.04	-0.03	0.67	0.21	0.22
Revenue	36.33	33.47	33	30.84	31.62	32.75
Revenue Growth	4.20%	1.43%	6.98%	-2.46%	-3.45%	5.92%
Salaries and Employee Benefits	12	11.57	11.02	10.21	10.46	11.07
Federal Deposit Insurance	0.36	0.36	0.36	0.32	0.21	0.18
Selling, General & Administrative	6.47	5.85	5.47	5.25	4.94	3.53
Other Non-Interest Expense	3.38	3.26	2.96	2.92	3.17	4.33
Total Non-Interest Expense	22.21	21.05	19.81	18.7	18.78	19.12
EBT Excluding Unusual Items	14.12	12.42	13.19	12.15	12.84	13.63
Pretax Income	14.12	12.42	13.19	12.15	12.84	13.63
Income Tax Expense	2.33	1.97	2.09	2.01	1.83	1.98
Net Income	11.79	10.45	11.1	10.14	11.01	11.65
Net Income to Common	11.79	10.45	11.1	10.14	11.01	11.65
Net Income Growth	-0.58%	-5.83%	9.46%	-7.89%	-5.49%	4.31%
Basic Shares Outstanding	1	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1	1
Shares Change	-1.51%	-1.52%	-3.60%	-4.03%	-3.23%	-2.55%
EPS (Basic)	9.37	8.22	8.59	7.57	7.88	8.07
EPS (Diluted)	9.37	8.22	8.59	7.57	7.88	8.07
EPS Growth	0.94%	-4.38%	13.55%	-4.02%	-2.34%	7.05%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	2.070	1.910	1.770	1.710	1.650	1.490
Dividend Growth	10.70%	7.91%	3.51%	3.64%	10.74%	-3.87%
Effective Tax Rate	16.48%	15.85%	15.84%	16.52%	14.24%	14.55%

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 10, 2026

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