19.26 USD
+0.11 (+0.57%)
19.26 USD
0 (0%)
Overall CVBF gets a fundamental rating of 4 out of 10. We evaluated CVBF against 387 industry peers in the Banks industry. There are concerns on the financial health of CVBF while its profitability can be described as average. CVBF is valied quite expensively at the moment, while it does show a decent growth rate. Finally CVBF also has an excellent dividend rating.
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.
CVBF had positive earnings in each of the past 5 years.
CVBF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.30%, CVBF belongs to the top of the industry, outperforming 82.17% of the companies in the same industry.
CVBF has a Return On Equity (8.91%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.3% | ||
| ROE | 8.91% | ||
| 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's Profit Margin of 40.23% is amongst the best of the industry. CVBF outperforms 95.35% of its industry peers.
In the last couple of years the Profit Margin of CVBF has remained more or less at the same level.
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) | 40.23% | ||
| 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
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.
The debt/assets ratio for CVBF is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of CVBF is 1.83, which is an excellent value as it means it would take CVBF, only 1.83 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 1.83, CVBF perfoms like the industry average, outperforming 49.87% of the companies in the same industry.
A Debt/Equity ratio of 0.20 indicates that CVBF is not too dependend on debt financing.
CVBF has a Debt to Equity ratio (0.20) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.83 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.08%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 0.68% over the past year.
The Earnings Per Share has been decreasing by -0.14% on average over the past years.
CVBF shows a decrease in Revenue. In the last year, the revenue decreased by -2.26%.
CVBF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.28% yearly.
EPS 1Y (TTM)0.68%
EPS 3Y-2.62%
EPS 5Y-0.14%
EPS Q2Q%2.7%
Revenue 1Y (TTM)-2.26%
Revenue growth 3Y2.79%
Revenue growth 5Y0.28%
Sales Q2Q%1.72%
3.2 Future
CVBF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.11% yearly.
CVBF is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.82% yearly.
EPS Next Y5.81%
EPS Next 2Y4.77%
EPS Next 3Y7.11%
EPS Next 5YN/A
Revenue Next Year1.78%
Revenue Next 2Y9.29%
Revenue Next 3Y13.82%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 13.01 indicates a correct valuation of CVBF.
CVBF's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 27.17. CVBF is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 12.10, which indicates a correct valuation of CVBF.
Based on the Price/Forward Earnings ratio, CVBF is valued a bit more expensive than 61.50% of the companies in the same industry.
CVBF's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.01 | ||
| Fwd PE | 12.1 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CVBF indicates a somewhat cheap valuation: CVBF is cheaper than 60.47% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.66 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.24
PEG (5Y)N/A
EPS Next 2Y4.77%
EPS Next 3Y7.11%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.30%, CVBF is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.78, CVBF pays a better dividend. On top of this CVBF pays more dividend than 85.27% of the companies listed in the same industry.
CVBF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.3% |
5.2 History
The dividend of CVBF has a limited annual growth rate of 3.30%.
CVBF has paid a dividend for at least 10 years, which is 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
CVBF pays out 54.86% of its income as dividend. This is a bit on the high side, but may be sustainable.
CVBF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP54.86%
EPS Next 2Y4.77%
EPS Next 3Y7.11%
19.26
+0.11 (+0.57%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners78.78%
Inst Owner Change0%
Ins Owners0.71%
Ins Owner Change-0.27%
Market Cap2.63B
Revenue(TTM)505.13M
Net Income(TTM)203.24M
Analysts75
Price Target23.36 (21.29%)
Short Float %3.36%
Short Ratio3.87
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.3% |
Yearly Dividend0.8
Dividend Growth(5Y)3.3%
DP54.86%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)0.9%
Min EPS beat(2)0.89%
Max EPS beat(2)0.92%
EPS beat(4)4
Avg EPS beat(4)4.34%
Min EPS beat(4)0.89%
Max EPS beat(4)9.48%
EPS beat(8)7
Avg EPS beat(8)2.88%
EPS beat(12)9
Avg EPS beat(12)1.54%
EPS beat(16)13
Avg EPS beat(16)2.66%
Revenue beat(2)0
Avg Revenue beat(2)-5.31%
Min Revenue beat(2)-5.73%
Max Revenue beat(2)-4.88%
Revenue beat(4)0
Avg Revenue beat(4)-4.93%
Min Revenue beat(4)-5.73%
Max Revenue beat(4)-4.08%
Revenue beat(8)0
Avg Revenue beat(8)-4.66%
Revenue beat(12)2
Avg Revenue beat(12)-2.81%
Revenue beat(16)6
Avg Revenue beat(16)0.44%
PT rev (1m)2.23%
PT rev (3m)0.44%
EPS NQ rev (1m)-0.55%
EPS NQ rev (3m)5.91%
EPS NY rev (1m)-0.27%
EPS NY rev (3m)2.51%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)4.55%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.01 | ||
| Fwd PE | 12.1 | ||
| P/S | 5.22 | ||
| P/FCF | 10.66 | ||
| P/OCF | 10.48 | ||
| P/B | 1.15 | ||
| P/tB | 1.75 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.48
EY7.68%
EPS(NY)1.59
Fwd EY8.26%
FCF(TTM)1.81
FCFY9.38%
OCF(TTM)1.84
OCFY9.55%
SpS3.69
BVpS16.68
TBVpS11.03
PEG (NY)2.24
PEG (5Y)N/A
Graham Number23.57
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.3% | ||
| ROE | 8.91% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 40.23% | ||
| GM | N/A | ||
| FCFM | 48.93% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 1.83 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.86% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 121.62% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC9.08%
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)0.68%
EPS 3Y-2.62%
EPS 5Y-0.14%
EPS Q2Q%2.7%
EPS Next Y5.81%
EPS Next 2Y4.77%
EPS Next 3Y7.11%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.26%
Revenue growth 3Y2.79%
Revenue growth 5Y0.28%
Sales Q2Q%1.72%
Revenue Next Year1.78%
Revenue Next 2Y9.29%
Revenue Next 3Y13.82%
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-21.2%
FCF growth 3Y8.69%
FCF growth 5Y3.83%
OCF growth 1Y-20.88%
OCF growth 3Y8.56%
OCF growth 5Y3.71%
CVB FINANCIAL CORP / CVBF FAQ
What is the fundamental rating for CVBF stock?
ChartMill assigns a fundamental rating of 4 / 10 to CVBF.
Can you provide the valuation status for CVB FINANCIAL CORP?
ChartMill assigns a valuation rating of 3 / 10 to CVB FINANCIAL CORP (CVBF). This can be considered as Overvalued.
How profitable is CVB FINANCIAL CORP (CVBF) stock?
CVB FINANCIAL CORP (CVBF) has a profitability rating of 4 / 10.
How financially healthy is CVB FINANCIAL CORP?
The financial health rating of CVB FINANCIAL CORP (CVBF) is 2 / 10.
Can you provide the dividend sustainability for CVBF stock?
The dividend rating of CVB FINANCIAL CORP (CVBF) is 7 / 10 and the dividend payout ratio is 54.86%.