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CVB Financial Corporation (CVBF)

NEUTRAL
Financial ServicesBanks - RegionalUnited States

Fundamental

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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Who this company fights with for the same customers

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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

BankValoración Justa

Valor Justo

$21.55

Precio Actual

$22.38

Margen de Seguridad

-3.8%

Rango de Valor Justo

$18.62 - $24.49

Métodos de Estimación

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
Consenso de Analistas:Comprar (8B / 4H / 0S)
Última Sorpresa de Resultados:-1.16%

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

6/9

Señales mixtas: algunas áreas requieren atención

score
criteria

Calidad de los Beneficios

2.79

Alta calidad: beneficios respaldados por efectivo

Dilución de Acciones

-1.2%

Recomprando acciones. Favorable para el accionista

Gobernanza

Equipo Directivo

NombreCargoEdad
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-

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.

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