CVB FINANCIAL CORP(NASDAQ:CVBF) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, CVBF scores 3 out of 10 in our fundamental rating. CVBF was compared to 405 industry peers in the Banks industry. CVBF has a medium profitability rating, but doesn't score so well on its financial health evaluation. CVBF has a expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

CVBF had positive earnings in the past year.

CVBF had a positive operating cash flow in the past year.

Each year in the past 5 years CVBF has been profitable.

CVBF had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

CVBF has a Return On Assets of 1.28%. This is amongst the best in the industry. CVBF outperforms 85.68% of its industry peers.

With a Return On Equity value of 8.96%, CVBF perfoms like the industry average, outperforming 59.05% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.28%
ROE	8.96%
ROIC	N/A

ROA(3y)1.37%

ROA(5y)1.33%

ROE(3y)10.54%

ROE(5y)10.12%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

CVBF's Profit Margin of 38.11% is amongst the best of the industry. CVBF outperforms 94.97% of its industry peers.

CVBF's Profit Margin has been stable in the last couple of years.

The Operating Margin and Gross Margin are not available for CVBF so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	38.11%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-4.89%

PM growth 5Y-1.22%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CVBF does not have a ROIC to compare to the WACC, probably because it is not profitable.

CVBF has more shares outstanding than it did 1 year ago.

Compared to 5 years ago, CVBF has less shares outstanding

Compared to 1 year ago, CVBF has a worse debt to assets ratio.

2.2 Solvency

CVBF has a debt to FCF ratio of 1.80. This is a very positive value and a sign of high solvency as it would only need 1.80 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 1.80, CVBF is in the better half of the industry, outperforming 62.81% of the companies in the same industry.

A Debt/Equity ratio of 0.18 indicates that CVBF is not too dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.18, CVBF is in line with its industry, outperforming 54.02% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	1.8
Altman-Z	N/A

ROIC/WACCN/A

WACC7.27%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CVBF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -11.04%.

CVBF shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.14% yearly.

Looking at the last year, CVBF shows a decrease in Revenue. The Revenue has decreased by -8.31% in the last year.

CVBF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.28% yearly.

EPS 1Y (TTM)-11.04%

EPS 3Y-2.62%

EPS 5Y-0.14%

EPS Q2Q%-5.13%

Revenue 1Y (TTM)-8.31%

Revenue growth 3Y2.79%

Revenue growth 5Y0.28%

Sales Q2Q%-7.49%

3.2 Future

The Earnings Per Share is expected to grow by 3.62% on average over the next years.

Based on estimates for the next years, CVBF will show a small growth in Revenue. The Revenue will grow by 5.81% on average per year.

EPS Next Y-1.71%

EPS Next 2Y3.62%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year2.52%

Revenue Next 2Y5.81%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.36, CVBF is valued correctly.

CVBF's Price/Earnings ratio is in line with the industry average.

CVBF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.47.

Based on the Price/Forward Earnings ratio of 14.61, the valuation of CVBF can be described as correct.

Compared to the rest of the industry, the Price/Forward Earnings ratio of CVBF indicates a slightly more expensive valuation: CVBF is more expensive than 67.09% of the companies listed in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 92.74. CVBF is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	14.36
Fwd PE	14.61

4.2 Price Multiples

CVBF's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	13.29
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y3.62%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CVBF has a Yearly Dividend Yield of 3.80%.

Compared to an average industry Dividend Yield of 3.15, CVBF pays a bit more dividend than its industry peers.

CVBF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.28.

		Industry Rank	Sector Rank
Dividend Yield	3.8%

5.2 History

The dividend of CVBF is nicely growing with an annual growth rate of 8.65%!

CVBF has been paying a dividend for at least 10 years, so it has a reliable track record.

CVBF has decreased its dividend recently.

Dividend Growth(5Y)8.65%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

CVBF pays out 56.75% of its income as dividend. This is a bit on the high side, but may be sustainable.

CVBF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP56.75%

EPS Next 2Y3.62%

EPS Next 3YN/A

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CVB FINANCIAL CORP

NASDAQ:CVBF (2/4/2025, 8:00:01 PM)

After market: 20.82 0 (0%)

20.82

+0.47 (+2.31%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-22 2025-01-22/amc

Earnings (Next)N/A N/A

Inst Owners74.84%

Inst Owner Change-0.03%

Ins Owners0.65%

Ins Owner Change1.59%

Market Cap2.91B

Analysts72.86

Price Target22.88 (9.89%)

Short Float %3.4%

Short Ratio5.17

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.8%

Yearly Dividend0.8

Dividend Growth(5Y)8.65%

DP56.75%

Div Incr Years1

Div Non Decr Years1

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)3.84%

Min EPS beat(2)2.67%

Max EPS beat(2)5.01%

EPS beat(4)3

Avg EPS beat(4)1.42%

Min EPS beat(4)-2.45%

Max EPS beat(4)5.01%

EPS beat(8)5

Avg EPS beat(8)0.14%

EPS beat(12)9

Avg EPS beat(12)2.11%

EPS beat(16)12

Avg EPS beat(16)4.06%

Revenue beat(2)0

Avg Revenue beat(2)-3.41%

Min Revenue beat(2)-3.86%

Max Revenue beat(2)-2.96%

Revenue beat(4)0

Avg Revenue beat(4)-4.39%

Min Revenue beat(4)-5.42%

Max Revenue beat(4)-2.96%

Revenue beat(8)2

Avg Revenue beat(8)-1.76%

Revenue beat(12)6

Avg Revenue beat(12)2.23%

Revenue beat(16)10

Avg Revenue beat(16)3.67%

PT rev (1m)0%

PT rev (3m)8.28%

EPS NQ rev (1m)0%

EPS NQ rev (3m)1.44%

EPS NY rev (1m)-0.8%

EPS NY rev (3m)-3.81%

Revenue NQ rev (1m)-0.07%

Revenue NQ rev (3m)-4.51%

Revenue NY rev (1m)0.06%

Revenue NY rev (3m)-3.68%

Valuation

		Industry Rank	Sector Rank
PE	14.36
Fwd PE	14.61
P/S	5.63
P/FCF	13.29
P/OCF	13
P/B	1.32
P/tB	2.05
EV/EBITDA	N/A

EPS(TTM)1.45

EY6.96%

EPS(NY)1.43

Fwd EY6.85%

FCF(TTM)1.57

FCFY7.53%

OCF(TTM)1.6

OCFY7.69%

SpS3.7

BVpS15.73

TBVpS10.17

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	1.28%
ROE	8.96%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	38.11%
GM	N/A
FCFM	42.35%

ROA(3y)1.37%

ROA(5y)1.33%

ROE(3y)10.54%

ROE(5y)10.12%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-4.89%

PM growth 5Y-1.22%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	1.8
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	0.93%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	111.13%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC7.27%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-11.04%

EPS 3Y-2.62%

EPS 5Y-0.14%

EPS Q2Q%-5.13%

EPS Next Y-1.71%

EPS Next 2Y3.62%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-8.31%

Revenue growth 3Y2.79%

Revenue growth 5Y0.28%

Sales Q2Q%-7.49%

Revenue Next Year2.52%

Revenue Next 2Y5.81%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-30.23%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-29.65%

OCF growth 3YN/A

OCF growth 5YN/A

CVB FINANCIAL CORP (CVBF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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