Back to rankings

CVB Financial Corporation (CVBF)

NEUTRAL
Financial ServicesBanks - RegionalUnited States

Fundamental

62

Price

$22.38

Market Cap

$3.97B

Part 1 · What the company is worth

Overview

CVB Financial Corp. operates as bank holding company for Citizens Business Bank, National Association, a state-chartered bank that provides banking and financial services to small to mid-sized businesses and individuals. The company offers checking, savings, money market, and certificates of time deposit products for business and personal accounts, municipalities and districts, and specialized deposit products for title and escrow; and serves as a federal tax depository for business customers. It also provides commercial lending products comprising lines of credit and other working capital financing, accounts receivable lending, and letters of credit; agriculture loans to finance the operating needs of wholesale dairy farm operations, cattle feeders, livestock raisers, and farmers; lease financing services for municipal governments; commercial real estate and construction loans; consumer financing products, including automobile leasing and financing, lines of credit, credit cards, home mortgages, and home equity loans; and equipment and vehicle leasing services. In addition, the company offers various specialized services, such as treasury management systems for monitoring and managing cash flow, a merchant card processing program, armored pick-up and delivery, payroll services, remote deposit capture, electronic funds transfers, wires and automated clearinghouse, and online account access; and foreign exchange and letters of credit services. Further, it provides financial and trust services, such as fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. CVB Financial Corp. was founded in 1974 and is headquartered in Ontario, California.

No editorial profile for this company yet

Direct competitors

Who this company fights with for the same customers

No editorial profile for this company yet

No competitor list for this company yet.

Balance Sheet & Liquidity

Revenue

$574M

Trailing 12 months (through 6/30/2026)

Net Income

$207M

Trailing 12 months (through 6/30/2026)

Free Cash Flow

$217M

Total Equity

$2.30B

Total Liabilities

$13.34B

Current Ratio

-

Interest Coverage

0.60

Debt/EBITDA

-

Earnings Per Share

Revenue & Net Income

Free Cash Flow

Income Breakdown

Historical statement

Margins over time

Debt over time

Growth grid

Growth — Revenue

Fair Value Estimation

BankFairly Valued

Fair Value

$21.55

Current Price

$22.38

Margin of Safety

-3.8%

Fair Value Range

$18.62 - $24.49

Estimation Methods

Analyst price target:$26.17
Discounted cash flow (DCF):Not applicable to this type of company
Earnings multiple (P/E):$18.33
Graham growth formula:Not applicable to this type of company
Earnings power value (EPV):Not applicable to this type of company
Justified P/B:$20.59
Dividend discount (Gordon):$19.77
P/FFO, funds from operations:Not applicable to this type of company
Mid-cycle earnings:Not applicable to this type of company
Revenue multiple:Not applicable to this type of company
Analyst Consensus:Buy (8B / 4H / 0S)
Last Earnings Surprise:-1.16%

Valuation Metrics

P/E Ratio

15.37

ROE

9.1%

P/B Ratio

1.25

P/FCF

6.90

Gross Margin

-

ROIC

-

Profitability Radar

Value Creation (Economic Moat)

ROIC

-

WACC

9.8%

ROIC − WACC

-

Fundamental Analysis Criteria

Passed (15)

  • EPS shows upward trend
  • EPS CAGR 6.44%
  • P/FCF 6.90
  • P/B Ratio 1.25
  • Operating Margin 53.9%
  • Positive Free Cash Flow
  • CapEx intensity
  • Low reliance on intangibles
  • Price below Graham Number
  • ROE 9.2%
  • Revenue Growth 5Y 12.4%
  • Analyst Consensus 67% Buy
  • Earnings Quality (OCF/NI) 2.79
  • Share Dilution -1.2%
  • Piotroski F-Score 6/9

Failed (8)

  • Price CAGR -0.16%
  • Debt/Equity ratio
  • Interest Coverage
  • Return on Tangible Assets
  • DCF valuation (Overvalued)
  • Earnings Surprise avg -0.6%
  • PEG Ratio 5.97
  • Net Margin Trend 36.0% vs 40.5%

Unavailable (5)

  • ROIC NaN%
  • Gross Margin NaN%
  • Dividend Payout NaN%
  • Current Ratio
  • Debt/EBITDA

Piotroski F-Score

6/9

Mixed signals: some areas need attention

score
criteria

Earnings Quality

2.79

High quality: earnings backed by cash

Share Dilution

-1.2%

Buying back shares. Shareholder friendly

Governance

Executive Team

NameTitleAge
Mr. David A. BragerCEO & Director57
Mr. E. Allen Nicholson CPAExecutive VP & CFO58
Mr. David C. HarveyExecutive VP & COO57
Mr. David F. FarnsworthExecutive VP & Chief Credit Officer68
Mr. Robertson Jones Jr.President & Director54
Mr. Donald E. Evenson CFASenior VP & Chief Investment Officer-
Ms. Sheryl P. LaygoSenior VP & Chief Accounting Officer44
Mr. Michael K. CurrieSenior VP & Chief Information Officer-
Ms. Joyce Y. KwonExecutive VP & Director of Human Resources-
Mr. G. Larry ZivelonghiExecutive VP and Dairy & Livestock Industries Group Manager-

Audit Risk

2

Board Risk

3

Compensation Risk

2

Shareholder Rights Risk

1

Part 2 · The price and when to enter

This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.

Latest News

Recent headlines for CVBF, sourced from Markets Gazette.

No recent news for CVBF.