CVB Financial Corporation (CVBF)
NEUTRALFundamental
62
Precio
$22.38
Capitalización Bursátil
$3.97B
Parte 1 · Cuánto vale la empresa
Resumen
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.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance y Liquidez
Ingresos
$574M
Últimos 12 meses (hasta 30/6/2026)
Beneficio Neto
$207M
Últimos 12 meses (hasta 30/6/2026)
Flujo de Caja Libre
$217M
Patrimonio Neto Total
$2.30B
Pasivo Total
$13.34B
Ratio de Liquidez
-
Cobertura de Intereses
0.60
Deuda/EBITDA
-
Beneficio Por Acción
Ingresos y Beneficio Neto
Flujo de Caja Libre
Desglose de Ingresos
Estado histórico
Márgenes en el tiempo
La deuda en el tiempo
Cuadro de crecimiento
Crecimiento — Ingresos
Estimación de Valor Justo
Valor Justo
$21.55
Precio Actual
$22.38
Margen de Seguridad
-3.8%
Rango de Valor Justo
$18.62 - $24.49
Métodos de Estimación
Métricas de Valoración
Ratio P/E
15.37
ROE
9.1%
Ratio P/B
1.25
P/FCF
6.90
Margen Bruto
-
ROIC
-
Radar de Rentabilidad
Value Creation (Economic Moat)
ROIC
-
WACC
9.8%
ROIC − WACC
-
Criterios de Análisis Fundamental
Superado (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
Fallido (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%
No disponible (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-Score
Señales mixtas: algunas áreas requieren atención
Calidad de los Beneficios
Alta calidad: beneficios respaldados por efectivo
Dilución de Acciones
Recomprando acciones. Favorable para el accionista
Gobernanza
Equipo Directivo
| Nombre | Cargo | Edad |
|---|---|---|
| Mr. David A. Brager | CEO & Director | 57 |
| Mr. E. Allen Nicholson CPA | Executive VP & CFO | 58 |
| Mr. David C. Harvey | Executive VP & COO | 57 |
| Mr. David F. Farnsworth | Executive VP & Chief Credit Officer | 68 |
| Mr. Robertson Jones Jr. | President & Director | 54 |
| Mr. Donald E. Evenson CFA | Senior VP & Chief Investment Officer | - |
| Ms. Sheryl P. Laygo | Senior VP & Chief Accounting Officer | 44 |
| Mr. Michael K. Currie | Senior VP & Chief Information Officer | - |
| Ms. Joyce Y. Kwon | Executive VP & Director of Human Resources | - |
| Mr. G. Larry Zivelonghi | Executive VP and Dairy & Livestock Industries Group Manager | - |
Riesgo de Auditoría
2
Riesgo del Consejo
3
Riesgo de Compensación
2
Riesgo de Derechos del Accionista
1
Parte 2 · El precio y el momento de entrar
Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.
Latest News
Recent headlines for CVBF, sourced from Markets Gazette.