CVB FINANCIAL CORP(NASDAQ:CVBF) stock Fundamental Analysis

Fundamental Rating

Overall CVBF gets a fundamental rating of 4 out of 10. We evaluated CVBF against 402 industry peers in the Banks industry. CVBF has a medium profitability rating, but doesn't score so well on its financial health evaluation. CVBF does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

In the past year CVBF was profitable.

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

CVBF had positive earnings in each of the past 5 years.

In the past 5 years CVBF always reported a positive cash flow from operatings.

1.2 Ratios

CVBF has a Return On Assets of 1.32%. This is amongst the best in the industry. CVBF outperforms 84.90% of its industry peers.

CVBF has a Return On Equity (9.11%) which is in line with its industry peers.

		Industry Rank	Sector Rank
ROA	1.32%
ROE	9.11%
ROIC	N/A

ROA(3y)1.37%

ROA(5y)1.33%

ROE(3y)10.57%

ROE(5y)10.13%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

CVBF has a Profit Margin of 39.71%. This is amongst the best in the industry. CVBF outperforms 96.04% of its industry peers.

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

CVBF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	39.71%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-4.65%

PM growth 5Y-1.07%

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.

Compared to 1 year ago, CVBF has more shares outstanding

CVBF has less shares outstanding than it did 5 years ago.

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

2.2 Solvency

CVBF has a debt to FCF ratio of 1.07. This is a very positive value and a sign of high solvency as it would only need 1.07 years to pay back of all of its debts.

CVBF has a better Debt to FCF ratio (1.07) than 76.49% of its industry peers.

A Debt/Equity ratio of 0.12 indicates that CVBF is not too dependend on debt financing.

With a decent Debt to Equity ratio value of 0.12, CVBF is doing good in the industry, outperforming 69.06% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	1.07
Altman-Z	N/A

ROIC/WACCN/A

WACC9.09%

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

The earnings per share for CVBF have decreased strongly by -11.04% in the last year.

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

The Revenue has decreased by -8.31% in the past 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

CVBF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.77% yearly.

Based on estimates for the next years, CVBF will show a small growth in Revenue. The Revenue will grow by 5.91% on average per year.

EPS Next Y-1.74%

EPS Next 2Y3.77%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year4.96%

Revenue Next 2Y5.91%

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 13.41, CVBF is valued correctly.

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

The average S&P500 Price/Earnings ratio is at 29.35. CVBF is valued rather cheaply when compared to this.

A Price/Forward Earnings ratio of 13.64 indicates a correct valuation of CVBF.

66.09% of the companies in the same industry are cheaper than CVBF, based on the Price/Forward Earnings ratio.

CVBF's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.10.

		Industry Rank	Sector Rank
PE	13.41
Fwd PE	13.64

4.2 Price Multiples

CVBF's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	11.1
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y3.77%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CVBF has a Yearly Dividend Yield of 4.13%, which is a nice return.

CVBF's Dividend Yield is a higher than the industry average which is at 3.37.

Compared to an average S&P500 Dividend Yield of 2.33, CVBF pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.13%

5.2 History

The dividend of CVBF has a limited annual growth rate of 3.30%.

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)3.3%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

56.12% of the earnings are spent on dividend by CVBF. This is a bit on the high side, but may be sustainable.

CVBF's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.

DP56.12%

EPS Next 2Y3.77%

EPS Next 3YN/A

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CVB FINANCIAL CORP

NASDAQ:CVBF (3/7/2025, 8:16:46 PM)

After market: 19.44 0 (0%)

19.44

+0.08 (+0.41%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)04-22 2025-04-22/amc

Inst Owners77.28%

Inst Owner Change5.43%

Ins Owners0.69%

Ins Owner Change1.59%

Market Cap2.71B

Analysts73.85

Price Target22.88 (17.7%)

Short Float %2.32%

Short Ratio3.74

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.13%

Yearly Dividend0.8

Dividend Growth(5Y)3.3%

DP56.12%

Div Incr Years1

Div Non Decr Years1

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)5.54%

Min EPS beat(2)5.01%

Max EPS beat(2)6.07%

EPS beat(4)3

Avg EPS beat(4)2.83%

Min EPS beat(4)-2.45%

Max EPS beat(4)6.07%

EPS beat(8)6

Avg EPS beat(8)1.33%

EPS beat(12)9

Avg EPS beat(12)1.57%

EPS beat(16)12

Avg EPS beat(16)4.08%

Revenue beat(2)0

Avg Revenue beat(2)-3.52%

Min Revenue beat(2)-4.08%

Max Revenue beat(2)-2.96%

Revenue beat(4)0

Avg Revenue beat(4)-4.08%

Min Revenue beat(4)-5.42%

Max Revenue beat(4)-2.96%

Revenue beat(8)1

Avg Revenue beat(8)-3.03%

Revenue beat(12)5

Avg Revenue beat(12)1.36%

Revenue beat(16)9

Avg Revenue beat(16)2.77%

PT rev (1m)0%

PT rev (3m)7.53%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-1%

EPS NY rev (1m)-0.03%

EPS NY rev (3m)-0.53%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)2.03%

Revenue NY rev (1m)0%

Revenue NY rev (3m)2.56%

Valuation

		Industry Rank	Sector Rank
PE	13.41
Fwd PE	13.64
P/S	5.41
P/FCF	11.1
P/OCF	10.87
P/B	1.24
P/tB	1.92
EV/EBITDA	N/A

EPS(TTM)1.45

EY7.46%

EPS(NY)1.42

Fwd EY7.33%

FCF(TTM)1.75

FCFY9.01%

OCF(TTM)1.79

OCFY9.2%

SpS3.59

BVpS15.66

TBVpS10.1

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	1.32%
ROE	9.11%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	39.71%
GM	N/A
FCFM	48.75%

ROA(3y)1.37%

ROA(5y)1.33%

ROE(3y)10.57%

ROE(5y)10.13%

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-4.65%

PM growth 5Y-1.07%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	1.07
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	1.02%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	122.76%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC9.09%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)0.94%

Cap/Sales(5y)0.97%

Profit Quality(3y)123.29%

Profit Quality(5y)112.41%

High Growth Momentum

Growth

EPS 1Y (TTM)-11.04%

EPS 3Y-2.62%

EPS 5Y-0.14%

EPS Q2Q%-5.13%

EPS Next Y-1.74%

EPS Next 2Y3.77%

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 Year4.96%

Revenue Next 2Y5.91%

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-15.97%

FCF growth 3Y8.69%

FCF growth 5Y3.83%

OCF growth 1Y-15.51%

OCF growth 3Y8.56%

OCF growth 5Y3.71%

CVB FINANCIAL CORP (CVBF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

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

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens