CVBF Stock Analysis: CVB Financial | NASDAQ

Deposit Accounts, Commercial Lending, Consumer Financing, Wealth Management

Total Rating 46

Safety 38

Buy Signal 0.15

Banks - Regional
Industry Rotation: +4.0

Market Cap: 3.80B
Avg Turnover: 30.9M

Risk 3d forecast

Volatility22.6%

VaR 5^th Pctl3.58%

VaR vs Median-4.04%

Reward TTM

Sharpe Ratio0.75

Rel. Str. IBD63.9

Rel. Str. Peer Group54.3

Character TTM

Beta0.580

Beta Downside0.447

Hurst Exponent0.415

Drawdowns 3y

Max DD30.23%

CAGR/Max DD0.52

CAGR/Mean DD1.24

EPS (Earnings per Share)

EPS CAGR: -1.49%
EPS Trend: -24.9%

Last SUE: 2.18
Qual. Beats: 1

Revenue

Rev. CAGR: -0.63%
Rev. Trend: -14.3%

Last SUE: 0.72
Qual. Beats: 0

Warnings

Below Avwap Earnings

Tailwinds

Confidence

Seasonality 11.7 years of data

Jan -2.4% 19

Feb +0.1% 5

Mar -0.1% 10

Apr -0.1% 7

May -0.1% 7

Jun +0.9% 21

Jul -0.2% 5

Aug -0.9% 11

Sep -3.5% 46

Oct +0.3% 25

Nov +8.8% 40

Dec -1.6% 14

How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.

Description: CVBF CVB Financial

CVB Financial Corp. is the bank holding company for Citizens Business Bank, a state-chartered bank that provides banking and financial services primarily to small and mid-sized businesses, as well as individuals. Founded in 1974 and headquartered in Ontario, California, the company has been publicly traded since its 1992 IPO on the NASDAQ under the ticker CVBF, and operates within the regional banks sub-industry of the financials sector.

The company offers a comprehensive range of deposit products, including checking, savings, money market, and certificates of deposit for business, personal, municipal, and specialized escrow accounts. It also serves as a federal tax depository for business customers, a niche service typical of community-focused commercial banks.

On the lending side, CVB Financial provides commercial loans such as lines of credit, accounts receivable financing, and letters of credit, along with agriculture loans tailored to dairy farms, cattle feeders, and livestock operations. Its lending portfolio also includes commercial real estate and construction loans, lease financing for municipal governments, consumer financing (auto loans, mortgages, home equity lines, and credit cards), and equipment and vehicle leasing.

In addition to traditional banking, the company delivers specialized services such as treasury management, merchant card processing, armored pickup and delivery, payroll services, remote deposit capture, electronic funds transfer, wire and ACH processing, and online account access. Foreign exchange and letters of credit services further extend its commercial capabilities.

The company also offers financial and trust services, including fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. This combination of commercial banking, specialized lending, and wealth management reflects the diversified service model common among U.S. regional banks serving small to mid-sized business markets.

Headlines to Watch Out For

margin compresses as Fed cuts rates
Commercial real estate loan losses rise amid office sector stress
Deposit costs climb as competition for core funding intensifies

Piotroski VR-10 (Strict) 5.0

Net Income: 206.9m TTM > 0 and > 6% of Revenue
FCF/TA: 0.03 > 0.02 and ΔFCF/TA 1.17 > 1.0
NWC/Revenue: -1.50k% < 20% (prev -1.84k%; Δ 341.8% < -1%)
CFO/TA 0.03 > 3% & CFO 577.0m > Net Income 206.9m
Net Debt (-5.68b) to EBITDA (291.6m): -19.47 < 3
Current Ratio: 0.39 > 1.5 & < 3
Outstanding Shares: last quarter (135.9m) vs 12m ago -2.55% < -2%
Gross Margin: 80.05% > 18% (prev 76.39%; Δ 3.66% > 0.5%)
Asset Turnover: 3.86% > 50% (prev 4.10%; Δ -0.24% > 0%)
Interest Coverage Ratio: 1.99 > 6 (EBIT TTM 277.0m / Interest Expense TTM 138.8m)

Altman Z'' -2.78

A: -0.50 (Total Current Assets 6.78b - Total Current Liabilities 17.4b) / Total Assets 21.2b
B: 0.06 (Retained Earnings 1.34b / Total Assets 21.2b)
C: 0.02 (EBIT TTM 277.0m / Avg Total Assets 18.3b)
D: 0.18 (Book Value of Equity 3.17b / Total Liabilities 18.0b)
Altman-Z'' = -2.78 = D

Beneish M -3.80

DSRI: 0.21 (Receivables 60.7m/261.5m, Revenue 705.9m/632.0m)
GMI: 0.95 (GM 76.39% / 80.05%)
AQI: 0.73 (AQ_t 0.68 / AQ_t-1 0.93)
SGI: 1.12 (Revenue 705.9m / 632.0m)
TATA: -0.02 (NI 206.9m - CFO 577.0m) / TA 21.2b)
Beneish M = -3.80 (Cap -4..+1) = AAA

What is the price of CVBF shares?

As of October 06, 2026, the stock is trading at USD 22.12 with a total of 1,784,604 shares traded. Over the past week, the price has changed by +0.60%, over one month by +0.06%, over three months by -1.03% and over the past year by +20.40%.

Current recommended Stop Loss: 21.30 (which is 3.7% or 1.9 ATR below the current price).

Is CVBF a buy, sell or hold?

CVB Financial has received a consensus analysts rating of 3.33. Therefore, it is recommended to hold CVBF.

StrongBuy: 0
Buy: 2
Hold: 4
Sell: 0
StrongSell: 0

What are the forecasts/targets for the CVBF price?

Analysts Target Price	26	17.5%

CVB Financial (CVBF) - Fundamental Data Overview as of 02 October 2026

Market Cap USD = 3.80b (3.80b USD * 1.0 USD.USD)
P/E Trailing = 15.0069
P/E Forward = 11.534
P/S = 6.6436
P/B = 1.266
P/EG = 1.4662
Revenue TTM = 705.9m USD
EBIT TTM = 277.0m USD
EBITDA TTM = 291.6m USD
Long Term Debt = 39.0m USD (from longTermDebt, last quarter)
Short Term Debt = 1.06b USD (from shortTermDebt, last quarter)
Debt = 1.10b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -5.68b USD (calculated: Debt 1.10b - CCE 6.78b)
Enterprise Value = 3.80b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 1.99 (Ebit TTM 277.0m / Interest Expense TTM 138.8m)
EV/FCF = 6.64x (Enterprise Value 3.80b / FCF TTM 572.5m)
FCF Yield = 15.05% (FCF TTM 572.5m / Enterprise Value 3.80b)
FCF Margin = 81.10% (FCF TTM 572.5m / Revenue TTM 705.9m)
Net Margin = 29.31% (Net Income TTM 206.9m / Revenue TTM 705.9m)
Gross Margin = 80.05% ((Revenue TTM 705.9m - Cost of Revenue TTM 140.8m) / Revenue TTM)
Gross Margin QoQ = 81.88% (prev 78.67%)
Tobins Q-Ratio = 0.18 (Enterprise Value 3.80b / Total Assets 21.2b)
Interest Expense / Debt = 12.59% (Interest Expense 138.8m / Debt 1.10b)
Taxrate = 25.30% (70.1m / 277.0m)
NOPAT = 206.9m (EBIT 277.0m * (1 - 25.30%))
Current Ratio = 0.39 (Total Current Assets 6.78b / Total Current Liabilities 17.4b)
Debt / Equity = 0.35 (Debt 1.10b / totalStockholderEquity, last quarter 3.17b)
Debt / EBITDA = -19.47 (Net Debt -5.68b / EBITDA 291.6m)
Debt / FCF = -9.92 (Net Debt -5.68b / FCF TTM 572.5m)
Total Stockholder Equity = 2.52b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.13% (Net Income 206.9m / Total Assets 21.2b)
RoE = 8.22% (Net Income TTM 206.9m / Total Stockholder Equity 2.52b)
RoCE = 10.84% (EBIT 277.0m / Capital Employed (Equity 2.52b + L.T.Debt 39.0m))
RoIC = 4.26% (NOPAT 206.9m / Invested Capital 4.86b)
WACC = 8.33% (E(3.80b)/V(4.91b) * Re(8.02%) + D(1.10b)/V(4.91b) * Rd(12.59%) * (1-Tc(0.25)))
Discount Rate = 8.02% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -74.24 | Cagr: -0.86%
[DCF] Terminal Value 77.97% ; FCFF base≈438.1m ; Y1≈502.2m ; Y5≈739.1m
[DCF] Fair Price = 95.46 (EV 11.1b - Net Debt -5.68b = Equity 16.8b / Shares 176.0m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -24.94 | EPS CAGR: -1.49% | SUE: 2.18 | # QB: 1
Revenue Correlation: -14.25 | Revenue CAGR: -0.63% | SUE: 0.72 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.45 | Chg30d=+0.00% | Revisions=+62% | Analysts=6
EPS current Year (2026-12-31): EPS=1.74 | Chg30d=+0.10% | Revisions=+62% | GrowthEPS=+14.0% | GrowthRev=+35.7%
EPS next Year (2027-12-31): EPS=2.00 | Chg30d=+0.25% | Revisions=+62% | GrowthEPS=+14.7% | GrowthRev=+14.1%
[Analyst] Revisions Ratio: +83% (up=15, down=0)