Risk factor
Critical default risk
Profitability factor
Solid dividends
About
Crystal Valley Financial Corporation serves as the holding entity for First State Bank, providing a comprehensive suite of banking products and services to individuals and businesses across Northern Indiana, specifically within Elkhart and St. Joseph counties. The company's deposit solutions encompass checking, savings, and money market accounts, alongside certificates of deposit. Lending options are diverse, featuring consumer, personal, home equity, and mortgage loans, in addition to specialized business financing such as term loans, lines of credit, agricultural loans, commercial real estate funding, letters of credit, and Small Business Administration (SBA) loans. Beyond core banking, Crystal Valley Financial extends its offerings to include trust, wealth management, and investment advisory services, as well as a variety of insurance products. Operational services further enhance customer convenience, covering debit and credit cards, cash management, automated clearing house (ACH) transfers, wire transfers, remote deposit, online banking, bill payment, check collection, and night depository facilities. Founded in 1910, the corporation is based in Middlebury, Indiana, and reaches its clientele through a network of seven branch offices.
Company Valuation
Based on key historical and expected multiples, the stock is fairly valued relative to its peers. Specifically, the stock is fairly valued on P/E, neutral on EV/EBITD.