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CVB FINANCIAL CORP (CVBF) Stock Fundamental Analysis

NASDAQ:CVBF - Nasdaq - US1266001056 - Common Stock - Currency: USD

21.13  +0.31 (+1.49%)

Fundamental Rating

4

Taking everything into account, CVBF scores 4 out of 10 in our fundamental rating. CVBF was compared to 394 industry peers in the Banks industry. There are concerns on the financial health of CVBF while its profitability can be described as average. CVBF has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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4

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.
CVBF had positive earnings in each of the past 5 years.
Each year in the past 5 years CVBF 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

1.2 Ratios

CVBF's Return On Assets of 1.32% is amongst the best of the industry. CVBF outperforms 84.26% of its industry peers.
CVBF's Return On Equity of 9.05% is in line compared to the rest of the industry. CVBF outperforms 56.35% of its industry peers.
Industry RankSector Rank
ROA 1.32%
ROE 9.05%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

CVBF has a Profit Margin of 40.20%. This is amongst the best in the industry. CVBF outperforms 95.69% 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) 40.2%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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3

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
The debt/assets ratio for CVBF is higher compared to a year ago.
CVBF Yearly Shares OutstandingCVBF Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

CVBF has a debt to FCF ratio of 1.32. This is a very positive value and a sign of high solvency as it would only need 1.32 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 1.32, CVBF is doing good in the industry, outperforming 65.99% 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.
Looking at the Debt to Equity ratio, with a value of 0.12, CVBF is in the better half of the industry, outperforming 63.96% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 1.32
Altman-Z N/A
ROIC/WACCN/A
WACC9.3%
CVBF Yearly LT Debt VS Equity VS FCFCVBF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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3

3. Growth

3.1 Past

CVBF shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.77%.
The Earnings Per Share has been decreasing by -0.14% on average over the past years.
Looking at the last year, CVBF shows a decrease in Revenue. The Revenue has decreased by -6.18% in the last year.
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)-5.77%
EPS 3Y-2.62%
EPS 5Y-0.14%
EPS Q2Q%5.71%
Revenue 1Y (TTM)-6.18%
Revenue growth 3Y2.79%
Revenue growth 5Y0.28%
Sales Q2Q%-1.79%

3.2 Future

CVBF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.16% yearly.
The Revenue is expected to grow by 5.08% on average over the next years.
EPS Next Y1.44%
EPS Next 2Y4.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.17%
Revenue Next 2Y5.08%
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.
The Revenue 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M 500M
CVBF Yearly EPS VS EstimatesCVBF Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.37, CVBF is valued correctly.
CVBF's Price/Earnings is on the same level as the industry average.
CVBF is valuated rather cheaply when we compare the Price/Earnings ratio to 27.41, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 13.43 indicates a correct valuation of CVBF.
Based on the Price/Forward Earnings ratio, CVBF is valued a bit more expensive than the industry average as 69.29% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.19, CVBF is valued rather cheaply.
Industry RankSector Rank
PE 14.37
Fwd PE 13.43
CVBF Price Earnings VS Forward Price EarningsCVBF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as CVBF.
Industry RankSector Rank
P/FCF 13.96
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.
PEG (NY)10
PEG (5Y)N/A
EPS Next 2Y4.16%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

CVBF has a Yearly Dividend Yield of 3.84%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.31, CVBF pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.35, CVBF pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.84%

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
CVBF Yearly Dividends per shareCVBF Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

55.38% of the earnings are spent on dividend by CVBF. 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.
DP55.38%
EPS Next 2Y4.16%
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 2015 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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CVB FINANCIAL CORP

NASDAQ:CVBF (7/14/2025, 2:23:33 PM)

21.13

+0.31 (+1.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners77.24%
Inst Owner Change0%
Ins Owners0.7%
Ins Owner Change3.97%
Market Cap2.91B
Analysts75
Price Target22.64 (7.15%)
Short Float %2.61%
Short Ratio4.69
Dividend
Industry RankSector Rank
Dividend Yield 3.84%
Yearly Dividend0.8
Dividend Growth(5Y)3.3%
DP55.38%
Div Incr Years1
Div Non Decr Years1
Ex-Date07-10 2025-07-10 (0.2)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.77%
Min EPS beat(2)6.07%
Max EPS beat(2)9.48%
EPS beat(4)4
Avg EPS beat(4)5.81%
Min EPS beat(4)2.67%
Max EPS beat(4)9.48%
EPS beat(8)7
Avg EPS beat(8)3.31%
EPS beat(12)9
Avg EPS beat(12)2.27%
EPS beat(16)12
Avg EPS beat(16)2.94%
Revenue beat(2)0
Avg Revenue beat(2)-4.55%
Min Revenue beat(2)-5.03%
Max Revenue beat(2)-4.08%
Revenue beat(4)0
Avg Revenue beat(4)-3.98%
Min Revenue beat(4)-5.03%
Max Revenue beat(4)-2.96%
Revenue beat(8)0
Avg Revenue beat(8)-3.78%
Revenue beat(12)4
Avg Revenue beat(12)-0.12%
Revenue beat(16)8
Avg Revenue beat(16)2.07%
PT rev (1m)0%
PT rev (3m)0.26%
EPS NQ rev (1m)0.48%
EPS NQ rev (3m)1.45%
EPS NY rev (1m)0%
EPS NY rev (3m)3.23%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)-0.97%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.11%
Valuation
Industry RankSector Rank
PE 14.37
Fwd PE 13.43
P/S 5.8
P/FCF 13.96
P/OCF 13.6
P/B 1.31
P/tB 2
EV/EBITDA N/A
EPS(TTM)1.47
EY6.96%
EPS(NY)1.57
Fwd EY7.44%
FCF(TTM)1.51
FCFY7.16%
OCF(TTM)1.55
OCFY7.36%
SpS3.64
BVpS16.17
TBVpS10.55
PEG (NY)10
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.32%
ROE 9.05%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 40.2%
GM N/A
FCFM 41.54%
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-Score9
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 1.32
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 1.13%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 103.35%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC9.3%
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)-5.77%
EPS 3Y-2.62%
EPS 5Y-0.14%
EPS Q2Q%5.71%
EPS Next Y1.44%
EPS Next 2Y4.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-6.18%
Revenue growth 3Y2.79%
Revenue growth 5Y0.28%
Sales Q2Q%-1.79%
Revenue Next Year4.17%
Revenue Next 2Y5.08%
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-21.04%
FCF growth 3Y8.69%
FCF growth 5Y3.83%
OCF growth 1Y-20.29%
OCF growth 3Y8.56%
OCF growth 5Y3.71%