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Company Analysis

CVB Financial Corporation CVBF

A comprehensive view of key metrics, scores, and financial health for CVB Financial Corporation

Overview of CVB Financial Corp.

CVBF NMS
Financial Services Banks - Regional Mid Cap
CVB Financial Corp. (CVBF), is a Mid Cap company, in the Banks - Regional industry, last closed at $18.79, about 7.5% overvalued vs fair value, +0.1% 1Y return, placing in the top 25% of its sector.
$18.79
-0.37%
As of March 13, 2026
Previous close • Vol 90d: 26.6%
52-Week Range
Market Cap
$2.55B
Enterprise Value
$3.43B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.cbbank.com
HQ Ontario, CA
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$10
$17
$33
Current: $18.79 -8% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$628.6M
4%%
Interest Expense
$133.0M
Net Interest Income
$445.8M
-8.3%%
Total Revenue
$643.4M
35.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
9.1%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$114.6M
57.5% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
0/1
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating CVB Financial Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
68
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
78
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing CVBF's balance between Growth (17.3%), Profitability (44.7%), and Safety (38.0%). Growth 17% Safety 38% Profitability 45%

Click axes to expand details. Marker shows current allocation.

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Growth

30th percentile vs peers
31
Key Signals
Asset Growth YoY 3.1% 46p Rev Growth YoY 35.2% 30p Revenue CAGR 3Y 5.2% 14p
Strengths
  • Operating Margin in top 20% of peers (43.8%, 94th percentile)
  • Roa in top 20% of peers (1.3%, 81th percentile)
  • Net Profit Margin in top 20% of peers (32.5%, 95th percentile)
  • Roa in top 20% of peers (1.3%, 81th percentile)
Risks
  • Growth below peer median (percentile: 30)

Profitability

78th percentile vs peers
79
Key Signals
Strengths
Risks
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Safety

66th percentile vs peers
67
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for CVB Financial Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$17.38
- - -
-7.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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