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CVB Financial Corporation (CVBF)

NEUTRAL
Financial ServicesBanks - RegionalUnited States

ファンダメンタル

62

株価

$22.38

時価総額

$3.97B

パート1 · 企業の価値

概要

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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貸借対照表と流動性

売上高

$574M

直近12か月(2026/6/30まで)

純利益

$207M

直近12か月(2026/6/30まで)

フリーキャッシュフロー

$217M

自己資本合計

$2.30B

負債合計

$13.34B

流動比率

-

利払い倍率

0.60

負債/EBITDA

-

一株当たり利益(EPS)

売上高と純利益

フリーキャッシュフロー

収益内訳

財務推移表

利益率の推移

負債の推移

成長率グリッド

成長率 — 売上高

適正価値の推定

Bank適正価値

適正価値

$21.55

現在株価

$22.38

安全マージン

-3.8%

適正価値レンジ

$18.62 - $24.49

推定方法

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
アナリスト・コンセンサス:買い (8B / 4H / 0S)
直近の決算サプライズ:-1.16%

バリュエーション指標

P/E レシオ

15.37

ROE

9.1%

P/B レシオ

1.25

P/FCF

6.90

粗利益率

-

ROIC

-

収益性レーダー

Value Creation (Economic Moat)

ROIC

-

WACC

9.8%

ROIC − WACC

-

ファンダメンタル分析基準

合格(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

不合格(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%

データなし(5)

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

Piotroski F-スコア

6/9

まちまちのシグナル:一部の領域に注意が必要

score
criteria

利益の質

2.79

高品質:利益はキャッシュに裏付けられている

株式希薄化

-1.2%

株式を買い戻している。株主に友好的

ガバナンス

経営陣

氏名役職年齢
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-

監査リスク

2

取締役会リスク

3

報酬リスク

2

株主権利リスク

1

パート2 · 株価と買い時

この部分は企業に価値があるかを判断するものではありません。ファンダメンタルズに納得したうえで、いつ買うかを選ぶためのものです。内容:テクニカル分析、ポテンシャル、過去のドローダウン、ガンマエクスポージャー。

Latest News

Recent headlines for CVBF, sourced from Markets Gazette.

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