CVB FINANCIAL CORP (CVBF) Stock Fundamental Analysis
USA - NASDAQ:CVBF - US1266001056 - Common Stock
18.37 USD
-0.19 (-1.02%)
18.37 USD
0 (0%)
CVBF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. While CVBF is still in line with the averages on profitability rating, there are concerns on its financial health. 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
In the past year CVBF was profitable.
In the past year CVBF had a positive cash flow from operations.
In the past 5 years CVBF has always been profitable.
In the past 5 years CVBF always reported a positive cash flow from operatings.
1.2 Ratios
With an excellent Return On Assets value of 1.31%, CVBF belongs to the best of the industry, outperforming 84.10% of the companies in the same industry.
The Return On Equity of CVBF (9.03%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.31% | ||
| ROE | 9.03% | ||
| 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 (40.22%) than 95.13% of its industry peers.
In the last couple of years the Profit Margin of CVBF has remained more or less at the same level.
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) | 40.22% | ||
| 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.
CVBF has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, CVBF has less shares outstanding
Compared to 1 year ago, CVBF has a worse debt to assets ratio.
2.2 Solvency
CVBF has a debt to FCF ratio of 1.71. This is a very positive value and a sign of high solvency as it would only need 1.71 years to pay back of all of its debts.
CVBF has a Debt to FCF ratio (1.71) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.18 indicates that CVBF is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.18, CVBF is in line with its industry, outperforming 48.46% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.71 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.15%
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 -8.31%.
Measured over the past years, CVBF shows a small growth in Revenue. The Revenue has been growing by 0.28% on average per year.
EPS 1Y (TTM)0.68%
EPS 3Y-2.62%
EPS 5Y-0.14%
EPS Q2Q%2.7%
Revenue 1Y (TTM)-8.31%
Revenue growth 3Y2.79%
Revenue growth 5Y0.28%
Sales Q2Q%1.72%
3.2 Future
The Earnings Per Share is expected to grow by 5.70% on average over the next years.
The Revenue is expected to grow by 3.56% on average over the next years.
EPS Next Y3.38%
EPS Next 2Y4.39%
EPS Next 3Y5.7%
EPS Next 5YN/A
Revenue Next Year1.51%
Revenue Next 2Y3.56%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.41, 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's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.10.
Based on the Price/Forward Earnings ratio of 11.63, the valuation of CVBF can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CVBF indicates a slightly more expensive valuation: CVBF is more expensive than 65.38% of the companies listed in the same industry.
CVBF's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.52.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.41 | ||
| Fwd PE | 11.63 |
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 | 10.71 | ||
| 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)3.67
PEG (5Y)N/A
EPS Next 2Y4.39%
EPS Next 3Y5.7%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.31%, CVBF is a good candidate for dividend investing.
CVBF's Dividend Yield is rather good when compared to the industry average which is at 3.45. CVBF pays more dividend than 82.31% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.35, CVBF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.31% |
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
CVBF pays out 55.26% 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.
DP55.26%
EPS Next 2Y4.39%
EPS Next 3Y5.7%
18.37
-0.19 (-1.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners76.83%
Inst Owner Change-0.07%
Ins Owners0.69%
Ins Owner Change0.61%
Market Cap2.53B
Revenue(TTM)501.82M
Net Income(TTM)202.33M
Analysts75
Price Target22.85 (24.39%)
Short Float %2.65%
Short Ratio5.04
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.31% |
Yearly Dividend0.8
Dividend Growth(5Y)3.3%
DP55.26%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.19%
Min EPS beat(2)0.89%
Max EPS beat(2)9.48%
EPS beat(4)4
Avg EPS beat(4)5.36%
Min EPS beat(4)0.89%
Max EPS beat(4)9.48%
EPS beat(8)7
Avg EPS beat(8)3.19%
EPS beat(12)9
Avg EPS beat(12)1.62%
EPS beat(16)12
Avg EPS beat(16)2.58%
Revenue beat(2)0
Avg Revenue beat(2)-5.38%
Min Revenue beat(2)-5.73%
Max Revenue beat(2)-5.03%
Revenue beat(4)0
Avg Revenue beat(4)-4.45%
Min Revenue beat(4)-5.73%
Max Revenue beat(4)-2.96%
Revenue beat(8)0
Avg Revenue beat(8)-4.18%
Revenue beat(12)3
Avg Revenue beat(12)-1.6%
Revenue beat(16)7
Avg Revenue beat(16)1.06%
PT rev (1m)0%
PT rev (3m)2.7%
EPS NQ rev (1m)0.32%
EPS NQ rev (3m)2.03%
EPS NY rev (1m)0.16%
EPS NY rev (3m)1.92%
Revenue NQ rev (1m)2.58%
Revenue NQ rev (3m)0.11%
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)-2.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.41 | ||
| Fwd PE | 11.63 | ||
| P/S | 5.03 | ||
| P/FCF | 10.71 | ||
| P/OCF | 10.5 | ||
| P/B | 1.13 | ||
| P/tB | 1.73 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.48
EY8.06%
EPS(NY)1.58
Fwd EY8.6%
FCF(TTM)1.72
FCFY9.34%
OCF(TTM)1.75
OCFY9.52%
SpS3.65
BVpS16.26
TBVpS10.64
PEG (NY)3.67
PEG (5Y)N/A
Graham Number23.27
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.31% | ||
| ROE | 9.03% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 40.22% | ||
| GM | N/A | ||
| FCFM | 47% |
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 | 0.18 | ||
| Debt/FCF | 1.71 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.94% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 116.85% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC9.15%
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 Y3.38%
EPS Next 2Y4.39%
EPS Next 3Y5.7%
EPS Next 5YN/A
Revenue 1Y (TTM)-8.31%
Revenue growth 3Y2.79%
Revenue growth 5Y0.28%
Sales Q2Q%1.72%
Revenue Next Year1.51%
Revenue Next 2Y3.56%
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-21.72%
FCF growth 3Y8.69%
FCF growth 5Y3.83%
OCF growth 1Y-21.56%
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.
What is the valuation status for CVBF stock?
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.
Can you provide the expected EPS growth for CVBF stock?
The Earnings per Share (EPS) of CVB FINANCIAL CORP (CVBF) is expected to grow by 3.38% in the next year.
Is the dividend of CVB FINANCIAL CORP sustainable?
The dividend rating of CVB FINANCIAL CORP (CVBF) is 7 / 10 and the dividend payout ratio is 55.26%.