Jared Sponseller - Crystal Valley Chief Officer

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Stock . Crystal Valley Financial . Stakeholders . Insider . Jared Sponseller
CYVF Stock  USD 75.00  3.00  4.17%   

Insider

Jared Sponseller is Chief Officer of Crystal Valley Financial
Phone574 825 2166
Webhttps://www.bfirst.bank

Crystal Valley Management Efficiency

The company has return on total asset (ROA) of 0.0147 % which means that it generated a profit of $0.0147 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1404 %, meaning that it created $0.1404 on every $100 dollars invested by stockholders. Crystal Valley's management efficiency ratios could be used to measure how well Crystal Valley manages its routine affairs as well as how well it operates its assets and liabilities.
Crystal Valley Financial currently holds 23.88 M in liabilities. Debt can assist Crystal Valley until it has trouble settling it off, either with new capital or with free cash flow. So, Crystal Valley's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Crystal Valley Financial sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Crystal to invest in growth at high rates of return. When we think about Crystal Valley's use of debt, we should always consider it together with cash and equity.

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Crystal Valley Financial Corporation operates as the holding company for First State Bank that provides various personal and business banking products and services in Northern Indiana. Crystal Valley Financial Corporation was founded in 1910 and is based in Middlebury, Indiana. Crystal Valley operates under BanksRegional classification in the United States and is traded on OTC Exchange. Crystal Valley Financial [CYVF] is a Pink Sheet which is traded between brokers over the counter.

Management Performance

Return On Equity0.14
Return On Asset0.0147

Crystal Valley Financial Leadership Team

Elected by the shareholders, the Crystal Valley's board of directors comprises two types of representatives: Crystal Valley inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Crystal. The board's role is to monitor Crystal Valley's management team and ensure that shareholders' interests are well served. Crystal Valley's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Crystal Valley's outside directors are responsible for providing unbiased perspectives on the board's policies.
Sue Blon, HR VP
Sam III, Chief Operations Officer of First State Bank, Executive VP of First State Bank and Director of First State Bank
Jared Sponseller, Chief Officer
Joe Caffee, CEO of First State Bank and President of First State Bank and Director of First State Bank

Crystal Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right pink sheet is not an easy task. Is Crystal Valley a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
Return On Equity0.14
Return On Asset0.0147
Profit Margin0.35 %
Operating Margin0.41 %
Current Valuation90.31 M
Shares Outstanding1.38 M
Shares Owned By Institutions4.52 %
Price To Earning7.28 X
Price To Sales2.47 X
Revenue31.62 M

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Other Information on Investing in Crystal Pink Sheet

Crystal Valley financial ratios help investors to determine whether Crystal Pink Sheet is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in Crystal with respect to the benefits of owning Crystal Valley security.
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