CVB FINANCIAL CORP (CVBF) Fundamental Analysis & Valuation

NASDAQ:CVBF • US1266001056

Current stock price

18.79 USD
-0.07 (-0.37%)
At close:
18.79 USD
0 (0%)
After Hours:

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.
  • Of the past 5 years CVBF 4 years were profitable.
  • CVBF had a positive operating cash flow in 4 of the past 5 years.
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 50M 100M 150M 200M 250M

1.2 Ratios

  • CVBF's Return On Assets of 1.30% is amongst the best of the industry. CVBF outperforms 81.36% of its industry peers.
  • With a Return On Equity value of 8.91%, CVBF perfoms like the industry average, outperforming 49.61% of the companies in the same industry.
Industry RankSector 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
CVBF Yearly ROA, ROE, ROICCVBF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 40.23%, CVBF belongs to the top of the industry, outperforming 95.28% of the companies in the same industry.
  • 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 RankSector 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
CVBF Yearly Profit, Operating, Gross MarginsCVBF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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2

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.
  • There is no outstanding debt for CVBF. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
CVBF Yearly Shares OutstandingCVBF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 5B 10B 15B

2.2 Solvency

  • CVBF has a debt to FCF ratio of 1.83. This is a very positive value and a sign of high solvency as it would only need 1.83 years to pay back of all of its debts.
  • CVBF's Debt to FCF ratio of 1.83 is in line compared to the rest of the industry. CVBF outperforms 53.28% of its industry peers.
  • A Debt/Equity ratio of 0.20 indicates that CVBF is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.20, CVBF is in line with its industry, outperforming 42.78% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 1.83
Altman-Z N/A
ROIC/WACCN/A
WACC9.13%
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 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 200M 400M 600M

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4

3. CVBF Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 4.14% over the past year.
  • Measured over the past 5 years, CVBF shows a small growth in Earnings Per Share. The EPS has been growing by 3.04% on average per year.
EPS 1Y (TTM)4.14%
EPS 3Y-3.11%
EPS 5Y3.04%
EPS Q2Q%8.11%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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.
  • Based on estimates for the next years, CVBF will show a very strong growth in Revenue. The Revenue will grow by 24.61% on average per year.
EPS Next Y6.41%
EPS Next 2Y12.09%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year34.88%
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.
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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4

4. CVBF Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.44, CVBF is valued correctly.
  • Compared to the rest of the industry, the Price/Earnings ratio of CVBF is on the same level as its industry peers.
  • CVBF is valuated cheaply when we compare the Price/Earnings ratio to 25.70, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 11.69, the valuation of CVBF can be described as reasonable.
  • CVBF's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CVBF is more expensive than 65.62% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 23.84. CVBF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.44
Fwd PE 11.69
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CVBF indicates a somewhat cheap valuation: CVBF is cheaper than 62.47% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.32
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 an expensive valuation of the company.
  • CVBF's earnings are expected to grow with 12.09% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.94
PEG (5Y)4.09
EPS Next 2Y12.09%
EPS Next 3YN/A

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7

5. CVBF Dividend Analysis

5.1 Amount

  • CVBF has a Yearly Dividend Yield of 4.16%, which is a nice return.
  • CVBF's Dividend Yield is rather good when compared to the industry average which is at 2.86. CVBF pays more dividend than 82.15% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, CVBF pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.16%

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
CVBF Yearly Dividends per shareCVBF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

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.
  • The dividend of CVBF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP54.86%
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 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 (3/13/2026, 8:19:02 PM)

After market: 18.79 0 (0%)

18.79

-0.07 (-0.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-21
Inst Owners79.72%
Inst Owner Change1.39%
Ins Owners0.72%
Ins Owner Change2.83%
Market Cap2.55B
Revenue(TTM)N/A
Net Income(TTM)203.24M
Analysts75
Price Target23.97 (27.57%)
Short Float %6.26%
Short Ratio5.22
Dividend
Industry RankSector Rank
Dividend Yield 4.16%
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)-0.53%
PT rev (3m)4.91%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.3%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.44%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.22%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.04%
Valuation
Industry RankSector Rank
PE 12.44
Fwd PE 11.69
P/S 5.05
P/FCF 10.32
P/OCF 10.14
P/B 1.12
P/tB 1.69
EV/EBITDA N/A
EPS(TTM)1.51
EY8.04%
EPS(NY)1.61
Fwd EY8.55%
FCF(TTM)1.82
FCFY9.69%
OCF(TTM)1.85
OCFY9.86%
SpS3.72
BVpS16.8
TBVpS11.12
PEG (NY)1.94
PEG (5Y)4.09
Graham Number23.89
Profitability
Industry RankSector 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 RankSector 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
WACC9.13%
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)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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%11.09%
Revenue Next Year34.88%
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-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 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 4 / 10 to CVB FINANCIAL CORP (CVBF). This can be considered as Fairly Valued.


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%.