CVBF Stock Analysis: CVB Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 4.016m USD | 12M Return: 14% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 37.4M
EPS Trend: -65.7%
Qual. Beats: 0
Rev. Trend: -19.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
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.
CVB Financial Corp. is the holding company for Citizens Business Bank, a state-chartered national association bank based in Ontario, California, founded in 1974 and listed on NASDAQ since 1992. The bank serves small to mid-sized businesses, individuals, and municipalities with a full suite of deposit products, including checking, savings, money market accounts, and certificates of deposit, and also acts as a federal tax depository for business customers.
Its lending operations cover commercial loans, agriculture financing for dairy and livestock operations, lease financing for municipal governments, commercial real estate and construction loans, and consumer products such as auto financing, credit cards, home mortgages, and home equity loans. Beyond traditional banking, CVB offers treasury management, merchant card processing, payroll services, remote deposit capture, electronic funds transfer, foreign exchange, and letters of credit, along with trust and wealth services including fiduciary accounts, mutual funds, annuities, 401(k) plans, and individual investment accounts.
As a mid-cap U.S. regional bank (GICS Sub Industry: Regional Banks) with a market capitalization of roughly $3.7 billion, CVB follows a classic community banking model anchored in business deposit relationships and relationship-based lending, with a notable specialization in niche segments such as agribusiness, municipal finance, and title/escrow deposit servicing.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan portfolio faces California market risk
- Loan growth driven by commercial and agricultural lending demand
| 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 74.58%; Δ 4.71% > 0.5%) |
| Asset Turnover: 4.20% > 50% (prev 4.24%; Δ -0.04% > 0%) |
| Interest Coverage Ratio: 2.13 > 6 (EBIT TTM 280.7m / 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 74.58% / 79.29%) |
| 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 = -3.73 (Cap -4..+1) = AAA |
As of July 08, 2026, the stock is trading at USD 22.58 with a total of 977,471 shares traded. Over the past week, the price has changed by +0.80%, over one month by +10.15%, over three months by +13.52% and over the past year by +13.97%.
Current recommended Stop Loss: 21.90 (which is 3% or 1.4 ATR below the current price).
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 | 24.2 | 7% |
P/E Trailing = 14.8758
P/E Forward = 13.0378
P/S = 7.7322
P/B = 1.7347
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 = 4.87b USD (4.02b + Debt 994.3m - CCE 138.6m)
Interest Coverage Ratio = 2.13 (Ebit TTM 280.7m / Interest Expense TTM 131.7m)
EV/FCF = 20.52x (Enterprise Value 4.87b / FCF TTM 237.4m)
FCF Yield = 4.87% (FCF TTM 237.4m / Enterprise Value 4.87b)
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 = 0.31 (Enterprise Value 4.87b / Total Assets 15.5b)
Interest Expense / Debt = 13.25% (Interest Expense 131.7m / Debt 994.3m)
Taxrate = 25.48% (71.5m / 280.7m)
NOPAT = 209.2m (EBIT 280.7m * (1 - 25.48%))
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 209.2m / Invested Capital 15.5b)
WACC = 8.67% (E(4.02b)/V(5.01b) * Re(8.37%) + D(994.3m)/V(5.01b) * Rd(13.25%) * (1-Tc(0.25)))
Discount Rate = 8.37% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -13.48 | Cagr: -0.85%
[DCF] Terminal Value 76.76% ; FCFF base≈225.8m ; Y1≈256.4m ; Y5≈367.9m
[DCF] Fair Price = 24.94 (EV 5.26b - Net Debt 855.6m = Equity 4.40b / Shares 176.5m; r=8.67% [WACC]; 5y FCF grow 13.85% → 2.50% )
EPS Correlation: -65.68 | EPS CAGR: -4.76% | SUE: 0.0 | # 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=+0.00% | Revisions=+0% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.43 | Chg30d=+0.00% | Revisions=+25% | Analysts=5
EPS current Year (2026-12-31): EPS=1.67 | Chg30d=+0.12% | Revisions=+25% | GrowthEPS=+9.3% | GrowthRev=+37.6%
EPS next Year (2027-12-31): EPS=1.89 | Chg30d=+0.49% | Revisions=+25% | GrowthEPS=+13.4% | GrowthRev=+13.5%
[Analyst] Revisions Ratio: +30% (up=5, down=2)