CVB FINANCIAL CORP(NASDAQ:CVBF) stock Fundamental Analysis

Fundamental Rating

CVBF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 398 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.

Quickly go to:

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.

In the past 5 years CVBF has always been profitable.

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

1.2 Ratios

CVBF's Return On Assets of 1.32% is amongst the best of the industry. CVBF outperforms 84.92% of its industry peers.

With a Return On Equity value of 9.11%, CVBF perfoms like the industry average, outperforming 57.54% of the companies in the same industry.

		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 95.73% of its industry peers.

In the last couple of years the Profit Margin of CVBF has remained more or less at the same level.

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)	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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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.

The number of shares outstanding for CVBF has been reduced compared to 5 years ago.

The debt/assets ratio for CVBF is higher compared to a year ago.

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.

The Debt to FCF ratio of CVBF (1.07) is better than 75.38% of its industry peers.

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

Looking at the Debt to Equity ratio, with a value of 0.12, CVBF is in the better half of the industry, outperforming 69.10% 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

WACC9.33%

2.3 Liquidity

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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

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.

CVBF shows a decrease in Revenue. In the last year, the revenue decreased by -8.31%.

The Revenue has been growing slightly by 0.28% on average over the past years.

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 3.77% on average over the next years.

The Revenue is expected to grow by 5.83% on average over the next years.

EPS Next Y-1.74%

EPS Next 2Y3.77%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year5.34%

Revenue Next 2Y5.83%

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.

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

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.21, which indicates a correct valuation of CVBF.

The rest of the industry has a similar Price/Earnings ratio as CVBF.

CVBF is valuated cheaply when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 12.42, CVBF is valued correctly.

66.33% of the companies in the same industry are cheaper than CVBF, based on the Price/Forward Earnings ratio.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.08, CVBF is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	12.21
Fwd PE	12.42

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	10.06
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

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

CVBF has a Yearly Dividend Yield of 4.84%, which is a nice return.

CVBF's Dividend Yield is a higher than the industry average which is at 3.78.

Compared to an average S&P500 Dividend Yield of 2.57, CVBF pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.84%

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.

The dividend of CVBF decreased 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

More info and screens

Find the best dividend stocks

Show peers with best dividend

CVB FINANCIAL CORP

NASDAQ:CVBF (4/17/2025, 8:11:20 PM)

After market: 17.7 0 (0%)

17.7

+0.23 (+1.32%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)04-23 2025-04-23/amc

Inst Owners77.28%

Inst Owner Change0%

Ins Owners0.69%

Ins Owner Change2.79%

Market Cap2.46B

Analysts73.85

Price Target22.59 (27.63%)

Short Float %2.26%

Short Ratio3.82

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.84%

Yearly Dividend0.8

Dividend Growth(5Y)3.3%

DP56.12%

Div Incr Years1

Div Non Decr Years1

Ex-Date04-02 2025-04-02 (0.2)

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)-1.27%

PT rev (3m)-1.27%

EPS NQ rev (1m)0.5%

EPS NQ rev (3m)-0.5%

EPS NY rev (1m)0%

EPS NY rev (3m)-0.83%

Revenue NQ rev (1m)0.33%

Revenue NQ rev (3m)2.37%

Revenue NY rev (1m)0.36%

Revenue NY rev (3m)2.75%

Valuation

		Industry Rank	Sector Rank
PE	12.21
Fwd PE	12.42
P/S	4.91
P/FCF	10.06
P/OCF	9.86
P/B	1.13
P/tB	1.75
EV/EBITDA	N/A

EPS(TTM)1.45

EY8.19%

EPS(NY)1.42

Fwd EY8.05%

FCF(TTM)1.76

FCFY9.94%

OCF(TTM)1.8

OCFY10.15%

SpS3.61

BVpS15.72

TBVpS10.14

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

WACC9.33%

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 Year5.34%

Revenue Next 2Y5.83%

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