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. CVBF has a medium profitability rating, but doesn't score so well on its financial health evaluation. CVBF has a expensive valuation and it also scores bad on growth.

Quickly go to:

1. Profitability

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.

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 1.32%, CVBF belongs to the best of the industry, outperforming 85.43% of the companies in the same industry.

CVBF has a Return On Equity (9.11%) which is in line with its industry peers.

		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

The Profit Margin of CVBF (39.71%) is better than 95.73% of its industry peers.

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 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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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.

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

The Debt to FCF ratio of CVBF is 1.07, which is an excellent value as it means it would take CVBF, only 1.07 years of fcf income to pay off all of its debts.

With a decent Debt to FCF ratio value of 1.07, CVBF is doing good in the industry, outperforming 70.10% of the companies in the same industry.

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 better Debt to Equity ratio (0.12) than 67.09% of its industry peers.

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

ROIC/WACCN/A

WACC9.17%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

CVBF shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.41%.

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.

Looking at the last year, CVBF shows a decrease in Revenue. The Revenue has decreased by -8.31% in the last year.

The Revenue has been growing slightly by 0.28% on average over the past years.

EPS 1Y (TTM)-6.41%

EPS 3Y-2.62%

EPS 5Y-0.14%

EPS Q2Q%2.86%

Revenue 1Y (TTM)-8.31%

Revenue growth 3Y2.79%

Revenue growth 5Y0.28%

Sales Q2Q%12.63%

3.2 Future

The Earnings Per Share is expected to grow by 3.65% on average over the next years.

The Revenue is expected to grow by 5.83% on average over the next years.

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

CVBF is valuated correctly with a Price/Earnings ratio of 13.07.

The rest of the industry has a similar Price/Earnings ratio as CVBF.

When comparing the Price/Earnings ratio of CVBF to the average of the S&P500 Index (28.22), we can say CVBF is valued rather cheaply.

A Price/Forward Earnings ratio of 12.25 indicates a correct valuation of CVBF.

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 66.83% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of CVBF to the average of the S&P500 Index (20.86), we can say CVBF is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	13.07
Fwd PE	12.25

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	10.85
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

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

CVBF has a Yearly Dividend Yield of 4.27%, which is a nice return.

Compared to an average industry Dividend Yield of 3.50, CVBF pays a bit more dividend than its industry peers.

CVBF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.

		Industry Rank	Sector Rank
Dividend Yield	4.27%

5.2 History

The dividend of CVBF has a limited annual growth rate of 3.30%.

CVBF has been paying a dividend for at least 10 years, so it has 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 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

More info and screens

Find the best dividend stocks

Show peers with best dividend

CVB FINANCIAL CORP

NASDAQ:CVBF (5/2/2025, 8:00:01 PM)

After market: 19.08 0 (0%)

19.08

+0.33 (+1.76%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-23 2025-04-23/amc

Earnings (Next)07-22 2025-07-22/amc

Inst Owners77.28%

Inst Owner Change0.57%

Ins Owners0.69%

Ins Owner Change2.79%

Market Cap2.65B

Analysts75

Price Target22.27 (16.72%)

Short Float %2.72%

Short Ratio4.13

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.27%

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)-2.65%

PT rev (3m)-2.65%

EPS NQ rev (1m)0.5%

EPS NQ rev (3m)0.06%

EPS NY rev (1m)0.72%

EPS NY rev (3m)0.68%

Revenue NQ rev (1m)0.33%

Revenue NQ rev (3m)0.33%

Revenue NY rev (1m)0.36%

Revenue NY rev (3m)2.75%

Valuation

		Industry Rank	Sector Rank
PE	13.07
Fwd PE	12.25
P/S	5.29
P/FCF	10.85
P/OCF	10.63
P/B	1.21
P/tB	1.88
EV/EBITDA	N/A

EPS(TTM)1.46

EY7.65%

EPS(NY)1.56

Fwd EY8.16%

FCF(TTM)1.76

FCFY9.22%

OCF(TTM)1.8

OCFY9.41%

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

WACC9.17%

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)-6.41%

EPS 3Y-2.62%

EPS 5Y-0.14%

EPS Q2Q%2.86%

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%12.63%

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens