CVB FINANCIAL CORP (CVBF) Fundamental Analysis & Valuation

NASDAQ:CVBF • US1266001056

Current stock price

18.88 USD
+0.29 (+1.56%)
At close:
18.88 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

  • In the past year CVBF was profitable.
  • In the past year CVBF had a positive cash flow from operations.
  • Of the past 5 years CVBF 4 years were profitable.
  • Of the past 5 years CVBF 4 years 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 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.
  • Looking at the Return On Equity, with a value of 8.91%, CVBF is in line with its industry, 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

  • CVBF's Profit Margin of 40.23% is amongst the best of the industry. CVBF outperforms 95.28% 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 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • CVBF has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

  • The Debt to FCF ratio of CVBF is 1.83, which is an excellent value as it means it would take CVBF, only 1.83 years of fcf income to pay off all of its debts.
  • CVBF has a Debt to FCF ratio (1.83) which is comparable to the rest of the industry.
  • CVBF has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
  • 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
WACC9.14%
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

More info and screens

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

4

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.
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

  • CVBF is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.09% yearly.
  • 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 Year34.88%
Revenue Next 2Y24.61%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

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

More info and screens

Find the best growth stocksShow best growing peers

4

4. CVBF Valuation Analysis

4.1 Price/Earnings Ratio

  • CVBF is valuated correctly with a Price/Earnings ratio of 12.50.
  • CVBF's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 25.73. CVBF is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 11.75, which indicates a very decent valuation of CVBF.
  • 66.40% of the companies in the same industry are cheaper than CVBF, based on the Price/Forward Earnings ratio.
  • CVBF is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.72, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.5
Fwd PE 11.75
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 62.99% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.37
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.
  • A more expensive valuation may be justified as CVBF's earnings are expected to grow with 12.09% in the coming years.
PEG (NY)1.95
PEG (5Y)4.11
EPS Next 2Y12.09%
EPS Next 3YN/A

More info and screens

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

7

5. CVBF Dividend Analysis

5.1 Amount

  • CVBF has a Yearly Dividend Yield of 4.24%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.90, CVBF pays a better dividend. On top of this CVBF pays more dividend than 81.89% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.91, CVBF pays a better dividend.
Industry RankSector 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.
  • 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

  • 54.86% of the earnings are spent on dividend by CVBF. 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.
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

More info and screens

Find the best dividend stocksShow peers with best dividend

CVBF Fundamentals: All Metrics, Ratios and Statistics

CVB FINANCIAL CORP

NASDAQ:CVBF (3/19/2026, 8:00:01 PM)

After market: 18.88 0 (0%)

18.88

+0.29 (+1.56%)

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 Cap2.56B
Revenue(TTM)N/A
Net Income(TTM)203.24M
Analysts75
Price Target23.97 (26.96%)
Short Float %6.19%
Short Ratio5.84
Dividend
Industry RankSector Rank
Dividend Yield 4.24%
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 12.5
Fwd PE 11.75
P/S 5.08
P/FCF 10.37
P/OCF 10.19
P/B 1.12
P/tB 1.7
EV/EBITDA N/A
EPS(TTM)1.51
EY8%
EPS(NY)1.61
Fwd EY8.51%
FCF(TTM)1.82
FCFY9.64%
OCF(TTM)1.85
OCFY9.81%
SpS3.72
BVpS16.8
TBVpS11.12
PEG (NY)1.95
PEG (5Y)4.11
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
WACC9.14%
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%.