Crystal Valley Financial Corporation

CYVFOTCFinancial Services● Active

$77.95

$-0.05(-0.06%)

Market Cap$98573465

P/E Ratio—

52W High$80

52W Low$65

Avg Volume125

Open$77.05

Beta0.05

Free Cash Flow Financials Revenue

Crystal Valley Financial Corporation (CYVF) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

CYVF · free cash flow · updated Jun 8, 2026

Core FCF metrics

CYVF · FCF · TTM · margin & CAGR

Free cash flow was $11.8M for FY2025 (fiscal year ending 2025-12-31), down 2.7% year-over-year The FCF margin was 23.4%. Five-year CAGR stands at +1.1%.

FY2025 Free Cash Flow$11.8M▼ -2.7% YoY

Trailing 12M (TTM)$0trailing 4 quarters sum

FCF Margin23.4%$11.8M ÷ revenue

3-Year CAGR+4.7%FY2022 → FY2025

5-Year CAGR+1.1%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

CYVF · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$15.5M(4M)$11.8M▼ 2.7%23.4%

FY2024$12.3M(0M)$12.1M▲ +9.4%25.6%

FY2023$11.6M(1M)$11.0M▲ +7.9%27.1%

FY2022$10.2M(0M)$10.2M▲ +48.3%29.6%

FY2021$7.6M(1M)$6.9M▼ 38.1%19.5%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

CYVF · P/FCF · FCF yield · FCF per share

Crystal Valley Financial Corporation (CYVF) valuation ratios are currently unavailable — market cap, share count, or TTM data could not be retrieved from our data provider.

FCF Yield (TTM)

N/A

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

N/A

TTM FCF ÷ Shares Outstanding

Price / FCF

N/A

Share Price ÷ FCF per Share

EV / FCF (TTM)

N/A

Enterprise Value basis

Valuation ratios are unavailable — market cap, share count, or TTM data could not be retrieved. Individual metrics are shown where available.

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

CYVF · cash flow statement · operating / investing / financing

For FY2025, Crystal Valley Financial Corporation generated $15.5M in operating cash flow and spent 4M in capital expenditures, yielding $11.8M in free cash flow.

Operating Activities

+$15.5M

Cash from core business operations

2025-12-31

Investing Activities

−$25.2M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$8.3M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($15.5M) − |CapEx| (4M) = FCF ($11.8M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

CYVF vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Crystal Valley Financial CorporationYOU

CYVF

$11.8M-2.7%23.4%

Berkshire Hathaway Inc.

BRK-A

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Crystal Valley Financial Corporation (CYVF) reported free cash flow of $11.8M for FY2025 (fiscal year ending 2025-12-31), down 2.7% year-over-year. The FCF margin was 23.4%.

Based on available data, Crystal Valley Financial Corporation has maintained positive free cash flow for at least 7 fiscal year(s). FCF peaked at $12.1M in FY2024. The 5-year CAGR stands at +1.1%.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

CYVF free cash flow · 8 questions

Crystal Valley Financial Corporation free cash flow was $11.8M for FY2025, down 2.7% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $0.

CYVF free cash flowCYVF FCFCYVF FCF 2025CYVF free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Crystal Valley Financial Corporation · Crystal Valley Financial Corporation SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026