CVBF Fundamental Analysis - CVB FINANCIAL CORP

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to CVBF. CVBF was compared to 395 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. CVBF also has an excellent dividend rating.

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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.

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

Each year in the past 5 years CVBF had a positive operating cash flow.

1.2 Ratios

With an excellent Return On Assets value of 1.32%, CVBF belongs to the best of the industry, outperforming 84.60% of the companies in the same industry.

With a Return On Equity value of 9.05%, CVBF perfoms like the industry average, outperforming 56.06% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.32%
ROE	9.05%
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 better Profit Margin (40.20%) than 95.71% 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)	40.2%
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.

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.

CVBF has a worse debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of CVBF is 1.32, which is an excellent value as it means it would take CVBF, only 1.32 years of fcf income to pay off all of its debts.

CVBF has a Debt to FCF ratio of 1.32. This is in the better half of the industry: CVBF outperforms 65.66% of its industry peers.

CVBF has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.

The Debt to Equity ratio of CVBF (0.12) is better than 64.14% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	1.32
Altman-Z	N/A

ROIC/WACCN/A

WACC9.25%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

CVBF shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.77%.

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 -6.18%.

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

EPS 1Y (TTM)-5.77%

EPS 3Y-2.62%

EPS 5Y-0.14%

EPS Q2Q%5.71%

Revenue 1Y (TTM)-6.18%

Revenue growth 3Y2.79%

Revenue growth 5Y0.28%

Sales Q2Q%-1.79%

3.2 Future

Based on estimates for the next years, CVBF will show a small growth in Earnings Per Share. The EPS will grow by 4.16% on average per year.

Based on estimates for the next years, CVBF will show a small growth in Revenue. The Revenue will grow by 5.08% on average per year.

EPS Next Y1.44%

EPS Next 2Y4.16%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year4.18%

Revenue Next 2Y5.08%

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.76, the valuation of CVBF can be described as correct.

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

Compared to an average S&P500 Price/Earnings ratio of 26.25, CVBF is valued rather cheaply.

A Price/Forward Earnings ratio of 11.92 indicates a reasonable valuation of CVBF.

Based on the Price/Forward Earnings ratio, CVBF is valued a bit more expensive than 67.93% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.15. CVBF is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	12.76
Fwd PE	11.92

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	12.39
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)8.87

PEG (5Y)N/A

EPS Next 2Y4.16%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.24%, CVBF is a good candidate for dividend investing.

CVBF's Dividend Yield is a higher than the industry average which is at 3.44.

Compared to an average S&P500 Dividend Yield of 2.38, CVBF pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.24%

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.

CVBF has decreased its dividend recently.

Dividend Growth(5Y)3.3%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

55.38% of the earnings are spent on dividend by CVBF. This is a bit on the high side, but may be sustainable.

The dividend of CVBF is growing, but earnings are growing more, so the dividend growth is sustainable.

DP55.38%

EPS Next 2Y4.16%

EPS Next 3YN/A

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CVB FINANCIAL CORP

NASDAQ:CVBF (5/30/2025, 8:00:00 PM)

After market: 18.75 0 (0%)

18.75

-0.13 (-0.69%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)07-22 2025-07-22/amc

Inst Owners77.28%

Inst Owner Change-1.02%

Ins Owners0.69%

Ins Owner Change3.72%

Market Cap2.58B

Analysts75

Price Target22.64 (20.75%)

Short Float %2.68%

Short Ratio4.16

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.24%

Yearly Dividend0.8

Dividend Growth(5Y)3.3%

DP55.38%

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)7.77%

Min EPS beat(2)6.07%

Max EPS beat(2)9.48%

EPS beat(4)4

Avg EPS beat(4)5.81%

Min EPS beat(4)2.67%

Max EPS beat(4)9.48%

EPS beat(8)7

Avg EPS beat(8)3.31%

EPS beat(12)9

Avg EPS beat(12)2.27%

EPS beat(16)12

Avg EPS beat(16)2.94%

Revenue beat(2)0

Avg Revenue beat(2)-4.55%

Min Revenue beat(2)-5.03%

Max Revenue beat(2)-4.08%

Revenue beat(4)0

Avg Revenue beat(4)-3.98%

Min Revenue beat(4)-5.03%

Max Revenue beat(4)-2.96%

Revenue beat(8)0

Avg Revenue beat(8)-3.78%

Revenue beat(12)4

Avg Revenue beat(12)-0.12%

Revenue beat(16)8

Avg Revenue beat(16)2.07%

PT rev (1m)1.68%

PT rev (3m)-1.02%

EPS NQ rev (1m)0%

EPS NQ rev (3m)1.46%

EPS NY rev (1m)2.5%

EPS NY rev (3m)3.23%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.37%

Revenue NY rev (1m)-1.1%

Revenue NY rev (3m)-0.74%

Valuation

		Industry Rank	Sector Rank
PE	12.76
Fwd PE	11.92
P/S	5.15
P/FCF	12.39
P/OCF	12.06
P/B	1.16
P/tB	1.78
EV/EBITDA	N/A

EPS(TTM)1.47

EY7.84%

EPS(NY)1.57

Fwd EY8.39%

FCF(TTM)1.51

FCFY8.07%

OCF(TTM)1.55

OCFY8.29%

SpS3.64

BVpS16.17

TBVpS10.55

PEG (NY)8.87

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	1.32%
ROE	9.05%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	40.2%
GM	N/A
FCFM	41.54%

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-Score9

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	1.32
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	1.13%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	103.35%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score9

WACC9.25%

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)-5.77%

EPS 3Y-2.62%

EPS 5Y-0.14%

EPS Q2Q%5.71%

EPS Next Y1.44%

EPS Next 2Y4.16%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-6.18%

Revenue growth 3Y2.79%

Revenue growth 5Y0.28%

Sales Q2Q%-1.79%

Revenue Next Year4.18%

Revenue Next 2Y5.08%

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-21.04%

FCF growth 3Y8.69%

FCF growth 5Y3.83%

OCF growth 1Y-20.29%

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

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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

More info and screens

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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