Crystal Valley Financial Corporation
CYVF · OTC
12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | |
|---|---|---|---|---|
| Revenue | $47,181 | $40,821 | $34,620 | $35,424 |
| % Growth | 15.6% | 17.9% | -2.3% | – |
| Cost of Goods Sold | $14,217 | $9,311 | $2,788 | $2,453 |
| Gross Profit | $32,964 | $31,510 | $31,832 | $32,972 |
| % Margin | 69.9% | 77.2% | 91.9% | 93.1% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $342 | $313 | $309 | $312 |
| SG&A Expenses | $1,269 | $1,156 | $1,117 | $1,070 |
| Sales & Mktg Exp. | $927 | $843 | $808 | $759 |
| Other Operating Expenses | $18,538 | $18,206 | $17,877 | $18,269 |
| Operating Expenses | $19,807 | $19,363 | $18,994 | $19,339 |
| Operating Income | $13,157 | $12,148 | $12,838 | $13,632 |
| % Margin | 27.9% | 29.8% | 37.1% | 38.5% |
| Other Income/Exp. Net | $33 | $0 | $0 | $0 |
| Pre-Tax Income | $13,190 | $12,148 | $12,838 | $13,632 |
| Tax Expense | $2,089 | $2,006 | $1,829 | $1,983 |
| Net Income | $11,101 | $10,141 | $11,010 | $11,649 |
| % Margin | 23.5% | 24.8% | 31.8% | 32.9% |
| EPS | 8.6 | 7.57 | 7.88 | 8.07 |
| % Growth | 13.6% | -3.9% | -2.4% | – |
| EPS Diluted | 8.6 | 7.57 | 7.88 | 8.07 |
| Weighted Avg Shares Out | 1,292 | 1,340 | 1,397 | 1,443 |
| Weighted Avg Shares Out Dil | 1,292 | 1,340 | 1,397 | 1,443 |
| Supplemental Information | – | – | – | – |
| Interest Income | $42,877 | $37,057 | $29,627 | $27,324 |
| Interest Expense | $14,217 | $9,311 | $2,788 | $2,453 |
| Depreciation & Amortization | $508 | $445 | $440 | $525 |
| EBITDA | $13,698 | $12,593 | $13,279 | $14,158 |
| % Margin | 29% | 30.8% | 38.4% | 40% |