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CVB Financial Corporation (CVBF)

NEUTRAL
Financial ServicesBanks - RegionalUnited States

Fundamental

62

Preço

$22.38

Capitalização de Mercado

$3.97B

Parte 1 · Quanto vale a empresa

Visão Geral

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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Balanço & Liquidez

Receita

$574M

Últimos 12 meses (até 30/06/2026)

Resultado Líquido

$207M

Últimos 12 meses (até 30/06/2026)

Fluxo de Caixa Livre

$217M

Capital Próprio Total

$2.30B

Passivo Total

$13.34B

Rácio de Liquidez

-

Cobertura de Juros

0.60

Dívida/EBITDA

-

Resultados Por Ação

Receita & Resultado Líquido

Fluxo de Caixa Livre

Decomposição dos Resultados

Demonstração histórica

Margens ao longo do tempo

A dívida ao longo do tempo

Grelha do crescimento

Crescimento — Receitas

Estimativa de Valor Justo

BankJustamente Valorizada

Valor Justo

$21.55

Preço Atual

$22.38

Margem de Segurança

-3.8%

Intervalo de Valor Justo

$18.62 - $24.49

Métodos de Estimativa

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

Métricas de Avaliação

Rácio P/E

15.37

ROE

9.1%

Rácio P/B

1.25

P/FCF

6.90

Margem Bruta

-

ROIC

-

Radar de Rentabilidade

Value Creation (Economic Moat)

ROIC

-

WACC

9.8%

ROIC − WACC

-

Critérios de Análise Fundamental

Aprovado (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

Reprovado (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%

Indisponível (5)

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

Piotroski F-Score

6/9

Sinais mistos: algumas áreas requerem atenção

score
criteria

Qualidade dos Resultados

2.79

Alta qualidade: resultados respaldados por caixa

Diluição de Ações

-1.2%

A recomprar ações. Favorável ao acionista

Governação

Equipa Executiva

NomeCargoIdade
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-

Risco de Auditoria

2

Risco do Conselho

3

Risco de Remuneração

2

Risco dos Direitos dos Acionistas

1

Parte 2 · O preço e o momento de entrar

Esta parte não serve para saber se a empresa vale: serve para escolher quando comprá-la, depois que os fundamentos te convenceram. Dentro: análise técnica, potencial, quedas históricas, exposição gama.

Latest News

Recent headlines for CVBF, sourced from Markets Gazette.

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