(CVBF) CVB Financial - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 3.582m USD | Total Return: 11.8% in 12m
Avg Turnover: 30.7M
EPS Trend: -74.9%
Qual. Beats: 0
Rev. Trend: -19.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
CVB Financial Corp. (CVBF) is the bank holding company for Citizens Business Bank, a California-based institution focused on small to mid-sized businesses and individuals. The company’s portfolio includes commercial lending, agricultural financing, real estate loans, and specialized treasury management services. It also provides trust and investment services, including fiduciary management and 401(k) plans.
Operating within the regional banking sector, CVBF relies on a business model centered on relationship banking and low-cost core deposits. Regional banks often maintain higher concentrations of commercial real estate loans compared to national diversified banks, making local economic conditions in California a primary driver of risk and performance. Further investigation into CVBF’s valuation metrics on ValueRay can provide deeper insight into its current market position.
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Commercial real estate loan concentration poses credit risk in California
- Non-interest bearing deposit retention impacts overall funding cost efficiency
- Small and mid-sized business lending volume drives core interest income
- Asset quality stability across dairy and agriculture loan portfolios affects valuation
| Net Income: 209.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.16 > 1.0 |
| NWC/Revenue: -1.83k% < 20% (prev -1.84k%; Δ 8.09% < -1%) |
| CFO/TA 0.02 > 3% & CFO 241.9m > Net Income 209.2m |
| Net Debt (855.6m) to EBITDA (295.2m): 2.90 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (135.9m) vs 12m ago -2.42% < -2% |
| Gross Margin: 79.29% > 18% (prev 0.75%; Δ 7.85k% > 0.5%) |
| Asset Turnover: 4.20% > 50% (prev 4.24%; Δ -0.04% > 0%) |
| Interest Coverage Ratio: 2.13 > 6 (EBITDA TTM 295.2m / Interest Expense TTM 131.7m) |
| A: -0.76 (Total Current Assets 138.6m - Total Current Liabilities 12.0b) / Total Assets 15.5b |
| B: 0.09 (Retained Earnings 1.32b / Total Assets 15.5b) |
| C: 0.02 (EBIT TTM 280.7m / Avg Total Assets 15.4b) |
| D: 0.18 (Book Value of Equity 2.32b / Total Liabilities 13.2b) |
| Altman-Z'' = -4.43 = D |
| DSRI: 0.17 (Receivables 44.1m/258.7m, Revenue 645.8m/646.6m) |
| GMI: 0.94 (GM 79.29% / 74.58%) |
| AQI: 1.05 (AQ_t 0.99 / AQ_t-1 0.94) |
| SGI: 1.00 (Revenue 645.8m / 646.6m) |
| TATA: -0.00 (NI 209.2m - CFO 241.9m) / TA 15.5b) |
| Beneish M = -3.74 (Cap -4..+1) = AAA |
As of May 24, 2026, the stock is trading at USD 20.32 with a total of 2,168,489 shares traded.
Over the past week, the price has changed by +4.15%,
over one month by -0.10%,
over three months by +5.45% and
over the past year by +11.75%.
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
| Analysts Target Price | 24 | 18.1% |
P/E Forward = 11.534
P/S = 6.8964
P/B = 1.5066
P/EG = 1.4662
Revenue TTM = 645.8m USD
EBIT TTM = 280.7m USD
EBITDA TTM = 295.2m USD
Long Term Debt = 500.0m USD (estimated: total debt 994.3m - short term 494.3m)
Short Term Debt = 494.3m USD (from shortTermDebt, last quarter)
Debt = 994.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 855.6m USD (calculated: Debt 994.3m - CCE 138.6m)
Enterprise Value = 4.44b USD (3.58b + Debt 994.3m - CCE 138.6m)
Interest Coverage Ratio = 2.13 (Ebit TTM 280.7m / Interest Expense TTM 131.7m)
EV/FCF = 18.69x (Enterprise Value 4.44b / FCF TTM 237.4m)
FCF Yield = 5.35% (FCF TTM 237.4m / Enterprise Value 4.44b)
FCF Margin = 36.76% (FCF TTM 237.4m / Revenue TTM 645.8m)
Net Margin = 32.40% (Net Income TTM 209.2m / Revenue TTM 645.8m)
Gross Margin = 79.29% ((Revenue TTM 645.8m - Cost of Revenue TTM 133.7m) / Revenue TTM)
Gross Margin QoQ = 78.67% (prev 81.10%)
Tobins Q-Ratio = 0.29 (Enterprise Value 4.44b / Total Assets 15.5b)
Interest Expense / Debt = 13.25% (Interest Expense 131.7m / Debt 994.3m)
Taxrate = 25.60% (17.5m / 68.6m)
NOPAT = 208.9m (EBIT 280.7m * (1 - 25.60%))
Current Ratio = 0.01 (Total Current Assets 138.6m / Total Current Liabilities 12.0b)
Debt / Equity = 0.43 (Debt 994.3m / totalStockholderEquity, last quarter 2.32b)
Debt / EBITDA = 2.90 (Net Debt 855.6m / EBITDA 295.2m)
Debt / FCF = 3.60 (Net Debt 855.6m / FCF TTM 237.4m)
Total Stockholder Equity = 2.28b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.36% (Net Income 209.2m / Total Assets 15.5b)
RoE = 9.16% (Net Income TTM 209.2m / Total Stockholder Equity 2.28b)
RoCE = 10.08% (EBIT 280.7m / Capital Employed (Equity 2.28b + L.T.Debt 500.0m))
RoIC = 1.35% (NOPAT 208.9m / Invested Capital 15.5b)
WACC = 9.04% (E(3.58b)/V(4.58b) * Re(8.81%) + D(994.3m)/V(4.58b) * Rd(13.25%) * (1-Tc(0.26)))
Discount Rate = 8.81% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -13.48 | Cagr: -0.85%
[DCF] Terminal Value 75.58% ; FCFF base≈225.8m ; Y1≈256.4m ; Y5≈367.9m
[DCF] Fair Price = 23.21 (EV 4.95b - Net Debt 855.6m = Equity 4.10b / Shares 176.5m; r=9.04% [WACC]; 5y FCF grow 13.85% → 2.50% )
EPS Correlation: -74.90 | EPS CAGR: -5.35% | SUE: 0.16 | # QB: 0
Revenue Correlation: -19.70 | Revenue CAGR: -0.82% | SUE: 0.60 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.41 | Chg30d=+1.86% | Revisions=+0% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.43 | Chg30d=+1.90% | Revisions=+20% | Analysts=5
EPS current Year (2026-12-31): EPS=1.67 | Chg30d=+0.03% | Revisions=-14% | GrowthEPS=+9.2% | GrowthRev=+37.5%
EPS next Year (2027-12-31): EPS=1.88 | Chg30d=-0.71% | Revisions=-14% | GrowthEPS=+13.0% | GrowthRev=+13.4%
[Analyst] Revisions Ratio: +20%