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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 Framework: Banks & Lenders Mid Cap
CVB Financial Corp. (CVBF), is a Mid Cap company, in the Banks - Regional industry, last closed at $21.23, about 18.1% overvalued vs fair value, +14.5% 1Y return, placing in the top 25% of its sector.
Metrics Rev Growth 35.2% ROE 9.3% Gross Margin 79.9%
USD 21.23
1.48%
(Delayed)
• Vol 90d: 23.2%
52-Week Range
Market Cap
$3.69B
Enterprise Value
$4.57B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Earnings Jul 22 Estimated

Fair Value Snapshot

Bear Base Bull
$10
$17
$33
Current: $21.23 -18% 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

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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
67
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
75
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Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing CVBF's balance between Growth (21.9%), Profitability (36.5%), and Safety (41.6%). Growth 22% Safety 42% Profitability 36%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

32th percentile vs peers
33
Key Signals
Asset Growth YoY 3.1% 46p Equity Growth YoY 5.2% 40p EPS Growth YoY -9.4% 31p NII Growth YoY -8.3% 15p
Strengths
  • Equity/Assets in top 20% of peers (14.7%, 82th percentile)
  • Cash & Securities to Assets in top 20% of peers (34.2%, 96th percentile)
  • Dividends/Tangible Equity in top 20% of peers (8.3%, 90th percentile)
Risks
  • NII Growth YoY in bottom 20% of peers (-8.3%)
  • Growth below peer median (percentile: 32)

Profitability

54th percentile vs peers
55
Key Signals
Strengths
Risks
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Safety

62th percentile vs peers
62
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
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$17.38
- - -
-18.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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