CVB FINANCIAL CORP(NASDAQ:CVBF) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to CVBF. CVBF was compared to 398 industry peers in the Banks industry. There are concerns on the financial health of CVBF while its profitability can be described as average. CVBF does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

In the past year CVBF was profitable.

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

Each year in the past 5 years CVBF has been profitable.

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

1.2 Ratios

CVBF has a Return On Assets of 1.32%. This is amongst the best in the industry. CVBF outperforms 85.18% of its industry peers.

The Return On Equity of CVBF (9.11%) is comparable to the rest of the 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

Looking at the Profit Margin, with a value of 39.71%, CVBF belongs to the top of the industry, outperforming 95.73% of the companies in the same industry.

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)	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

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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.

The number of shares outstanding for CVBF has been increased compared to 1 year ago.

CVBF has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, CVBF has a worse debt to assets ratio.

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.

CVBF has a better Debt to FCF ratio (1.07) than 74.87% 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.

CVBF has a Debt to Equity ratio of 0.12. This is in the better half of the industry: CVBF outperforms 69.35% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	1.07
Altman-Z	N/A

ROIC/WACCN/A

WACC9.23%

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 strong negative growth in Earnings Per Share. In the last year the EPS decreased by -11.04%.

Measured over the past years, CVBF shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.14% on average per year.

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

CVBF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.65% yearly.

Based on estimates for the next years, CVBF will show a small growth in Revenue. The Revenue will grow by 5.83% on average per year.

EPS Next Y-1.04%

EPS Next 2Y3.65%

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.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.22 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 28.29. CVBF is valued rather cheaply when compared to this.

Based on the Price/Forward Earnings ratio of 12.35, the valuation of CVBF can be described as correct.

Based on the Price/Forward Earnings ratio, CVBF is valued a bit more expensive than 66.58% 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 21.32.

		Industry Rank	Sector Rank
PE	12.22
Fwd PE	12.35

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CVBF is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	10.08
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y3.65%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CVBF has a Yearly Dividend Yield of 4.52%, which is a nice return.

CVBF's Dividend Yield is a higher than the industry average which is at 3.66.

CVBF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	4.52%

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 56.12% of its income as dividend. 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 2Y3.65%

EPS Next 3YN/A

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CVB FINANCIAL CORP

NASDAQ:CVBF (4/21/2025, 4:30:01 PM)

After market: 17.78 +0.06 (+0.34%)

17.72

+0.02 (+0.11%)

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 Change0.92%

Ins Owners0.69%

Ins Owner Change2.79%

Market Cap2.46B

Analysts73.85

Price Target22.59 (27.48%)

Short Float %2.26%

Short Ratio3.82

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.52%

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)0.72%

EPS NY rev (3m)-0.12%

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	12.22
Fwd PE	12.35
P/S	4.91
P/FCF	10.08
P/OCF	9.87
P/B	1.13
P/tB	1.75
EV/EBITDA	N/A

EPS(TTM)1.45

EY8.18%

EPS(NY)1.43

Fwd EY8.1%

FCF(TTM)1.76

FCFY9.93%

OCF(TTM)1.8

OCFY10.13%

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

WACC9.23%

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-1.04%

EPS Next 2Y3.65%

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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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