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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 $23.11, about 15.1% overvalued vs fair value, +23.6% 1Y return, placing in the top 10% of its sector.
Metrics P/E 12.2× Rev Growth 8.3% ROE 9.3% Gross Margin 99.7% Div Yield 4.36%
USD 23.11
2.35%
(Delayed)
• Vol 90d: 18.3%
52-Week Range
Market Cap
$4.07B
Enterprise Value
$3.50B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Good
Valuation
Good
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Good
Valuation
Good
Completeness: 94%
Confidence: 95%
Updated: Oct 31
Top Beats

Quick Facts

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

Next Events

Earnings Jan 20 Estimated

Fair Value Snapshot

Bear Base Bull
$11
$20
$37
Current: $23.11 -15% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$591.6M
-5.9%%
Interest Expense
$133.0M
Net Interest Income
$458.6M
2.9%%
Total Revenue
$515.5M
8.3%%
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

$192.1M
92.4% 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
Full moat analysis

Key strengths

  • Strong Net Interest Margin Net interest margin proxy is strong (score 0.94).
  • Industry-Leading Efficiency Operational efficiency is excellent (score 0.94).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Strong
75
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

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 (18.8%), Profitability (37.5%), and Safety (43.7%). Growth 19% Safety 44% Profitability 38%

Click axes to expand details. Marker shows current allocation.

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Growth

31th percentile vs peers
32
Key Signals
Asset Growth YoY 3.1% 40p NII Growth YoY 2.9% 25p Equity Growth YoY 5.0% 30p EPS Growth YoY 5.4% 30p
Strengths
  • Efficiency Ratio in top 20% of peers (45.0%, 84th percentile)
  • Equity/Assets in top 20% of peers (14.7%, 84th percentile)
  • Financial Leverage in top 20% of peers (6.87, 84th percentile)
  • Cash & Securities to Assets in top 20% of peers (35.1%, 96th percentile)
Risks
  • Growth below peer median (percentile: 31)

Profitability

63th percentile vs peers
64
Key Signals
Strengths
Risks
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Safety

74th percentile vs peers
74
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
$19.63
- - -
-15.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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