CVB FINANCIAL CORP (CVBF) Fundamental Analysis & Valuation

NASDAQ:CVBF • US1266001056

Current stock price

20.06 USD
-0.15 (-0.74%)
At close:
19.99 USD
-0.07 (-0.35%)
Pre-Market:

This CVBF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. CVBF Profitability Analysis

1.1 Basic Checks

  • CVBF had positive earnings in the past year.
  • In the past year CVBF had a positive cash flow from operations.
  • Each year in the past 5 years CVBF has been profitable.
  • Each year in the past 5 years CVBF had a positive operating cash flow.
CVBF Yearly Net Income VS EBIT VS OCF VS FCFCVBF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

1.2 Ratios

  • CVBF's Return On Assets of 1.33% is amongst the best of the industry. CVBF outperforms 81.12% of its industry peers.
  • CVBF has a Return On Equity (9.06%) which is in line with its industry peers.
Industry RankSector Rank
ROA 1.33%
ROE 9.06%
ROIC N/A
ROA(3y)1.34%
ROA(5y)1.35%
ROE(3y)9.59%
ROE(5y)10.18%
ROIC(3y)N/A
ROIC(5y)N/A
CVBF Yearly ROA, ROE, ROICCVBF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 40.34%, CVBF belongs to the top of the industry, outperforming 94.95% of the companies in the same industry.
  • 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 RankSector Rank
OM N/A
PM (TTM) 40.34%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.42%
PM growth 5Y1.26%
GM growth 3YN/A
GM growth 5YN/A
CVBF Yearly Profit, Operating, Gross MarginsCVBF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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3

2. CVBF Health Analysis

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 less shares outstanding
  • CVBF has less shares outstanding than it did 5 years ago.
  • CVBF has a worse debt/assets ratio than last year.
CVBF Yearly Shares OutstandingCVBF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
CVBF Yearly Total Debt VS Total AssetsCVBF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.2 Solvency

  • The Debt to FCF ratio of CVBF is 2.26, which is a good value as it means it would take CVBF, 2.26 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 2.26, CVBF is in line with its industry, outperforming 45.21% of the companies in the same industry.
  • A Debt/Equity ratio of 0.21 indicates that CVBF is not too dependend on debt financing.
  • CVBF has a Debt to Equity ratio of 0.21. This is comparable to the rest of the industry: CVBF outperforms 40.96% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 2.26
Altman-Z N/A
ROIC/WACCN/A
WACC9.52%
CVBF Yearly LT Debt VS Equity VS FCFCVBF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CVBF Yearly Current Assets VS Current LiabilitesCVBF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. CVBF Growth Analysis

3.1 Past

  • CVBF shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.14%.
  • The Earnings Per Share has been growing slightly by 3.04% on average over the past years.
  • Looking at the last year, CVBF shows a small growth in Revenue. The Revenue has grown by 2.72% in the last year.
  • Measured over the past years, CVBF shows a small growth in Revenue. The Revenue has been growing by 2.04% on average per year.
EPS 1Y (TTM)4.14%
EPS 3Y-3.11%
EPS 5Y3.04%
EPS Q2Q%8.11%
Revenue 1Y (TTM)2.72%
Revenue growth 3Y-2.46%
Revenue growth 5Y2.04%
Sales Q2Q%11.09%

3.2 Future

  • The Earnings Per Share is expected to grow by 12.09% on average over the next years. This is quite good.
  • CVBF is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 24.61% yearly.
EPS Next Y6.41%
EPS Next 2Y12.09%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year34.79%
Revenue Next 2Y24.61%
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.
CVBF Yearly Revenue VS EstimatesCVBF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
CVBF Yearly EPS VS EstimatesCVBF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5

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3

4. CVBF Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.28 indicates a correct valuation of CVBF.
  • Based on the Price/Earnings ratio, CVBF is valued a bit more expensive than 61.17% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.42. CVBF is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 12.48, which indicates a correct valuation of CVBF.
  • Based on the Price/Forward Earnings ratio, CVBF is valued a bit more expensive than the industry average as 68.62% of the companies are valued more cheaply.
  • The average S&P500 Price/Forward Earnings ratio is at 22.29. CVBF is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 13.28
Fwd PE 12.48
CVBF Price Earnings VS Forward Price EarningsCVBF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • CVBF's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.53
EV/EBITDA N/A
CVBF Per share dataCVBF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CVBF does not grow enough to justify the current Price/Earnings ratio.
  • CVBF's earnings are expected to grow with 12.09% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.07
PEG (5Y)4.37
EPS Next 2Y12.09%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. CVBF Dividend Analysis

5.1 Amount

  • CVBF has a Yearly Dividend Yield of 3.96%.
  • CVBF's Dividend Yield is rather good when compared to the industry average which is at 2.55. CVBF pays more dividend than 87.50% of the companies in the same industry.
  • CVBF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 3.96%

5.2 History

  • The dividend of CVBF has a limited annual growth rate of 2.47%.
  • CVBF has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)2.47%
Div Incr Years0
Div Non Decr Years0
CVBF Yearly Dividends per shareCVBF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 53.38% 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.
DP53.38%
EPS Next 2Y12.09%
EPS Next 3YN/A
CVBF Yearly Income VS Free CF VS DividendCVBF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
CVBF Dividend Payout.CVBF Dividend Payout, showing the Payout Ratio.CVBF Dividend Payout.PayoutRetained Earnings

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CVBF Fundamentals: All Metrics, Ratios and Statistics

CVB FINANCIAL CORP

NASDAQ:CVBF (4/24/2026, 8:00:01 PM)

Premarket: 19.99 -0.07 (-0.35%)

20.06

-0.15 (-0.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-29
Inst Owners80.19%
Inst Owner Change-0.09%
Ins Owners0.75%
Ins Owner Change16.49%
Market Cap2.72B
Revenue(TTM)515.46M
Net Income(TTM)207.92M
Analysts75
Price Target23.97 (19.49%)
Short Float %9.19%
Short Ratio8.55
Dividend
Industry RankSector Rank
Dividend Yield 3.96%
Yearly Dividend0.81
Dividend Growth(5Y)2.47%
DP53.38%
Div Incr Years0
Div Non Decr Years0
Ex-Date04-01
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)0.58%
Min EPS beat(2)0.25%
Max EPS beat(2)0.92%
EPS beat(4)4
Avg EPS beat(4)2.88%
Min EPS beat(4)0.25%
Max EPS beat(4)9.48%
EPS beat(8)7
Avg EPS beat(8)2.86%
EPS beat(12)10
Avg EPS beat(12)1.85%
EPS beat(16)13
Avg EPS beat(16)1.9%
Revenue beat(2)0
Avg Revenue beat(2)-3.44%
Min Revenue beat(2)-4.88%
Max Revenue beat(2)-2%
Revenue beat(4)0
Avg Revenue beat(4)-4.41%
Min Revenue beat(4)-5.73%
Max Revenue beat(4)-2%
Revenue beat(8)0
Avg Revenue beat(8)-4.24%
Revenue beat(12)1
Avg Revenue beat(12)-3.49%
Revenue beat(16)5
Avg Revenue beat(16)-0.08%
PT rev (1m)0%
PT rev (3m)2.62%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.93%
EPS NY rev (1m)0%
EPS NY rev (3m)5.27%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.4%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.97%
Valuation
Industry RankSector Rank
PE 13.28
Fwd PE 12.48
P/S 5.28
P/FCF 12.53
P/OCF 12.3
P/B 1.19
P/tB 1.79
EV/EBITDA N/A
EPS(TTM)1.51
EY7.53%
EPS(NY)1.61
Fwd EY8.01%
FCF(TTM)1.6
FCFY7.98%
OCF(TTM)1.63
OCFY8.13%
SpS3.8
BVpS16.9
TBVpS11.22
PEG (NY)2.07
PEG (5Y)4.37
Graham Number23.9648 (19.47%)
Profitability
Industry RankSector Rank
ROA 1.33%
ROE 9.06%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 40.34%
GM N/A
FCFM 42.17%
ROA(3y)1.34%
ROA(5y)1.35%
ROE(3y)9.59%
ROE(5y)10.18%
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-1.42%
PM growth 5Y1.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 2.26
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.79%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 104.53%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC9.52%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.88%
Cap/Sales(5y)0.93%
Profit Quality(3y)119.9%
Profit Quality(5y)112.88%
High Growth Momentum
Growth
EPS 1Y (TTM)4.14%
EPS 3Y-3.11%
EPS 5Y3.04%
EPS Q2Q%8.11%
EPS Next Y6.41%
EPS Next 2Y12.09%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.72%
Revenue growth 3Y-2.46%
Revenue growth 5Y2.04%
Sales Q2Q%11.09%
Revenue Next Year34.79%
Revenue Next 2Y24.61%
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-11.15%
FCF growth 3Y-6.78%
FCF growth 5Y3.8%
OCF growth 1Y-11.35%
OCF growth 3Y-6.82%
OCF growth 5Y3.65%

CVB FINANCIAL CORP / CVBF Fundamental Analysis 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.


Can you provide the profitability details for CVB FINANCIAL CORP?

CVB FINANCIAL CORP (CVBF) has a profitability rating of 4 / 10.


Can you provide the financial health for CVBF stock?

The financial health rating of CVB FINANCIAL CORP (CVBF) is 3 / 10.


What is the expected EPS growth for CVB FINANCIAL CORP (CVBF) stock?

The Earnings per Share (EPS) of CVB FINANCIAL CORP (CVBF) is expected to grow by 6.41% in the next year.