Cvb Financial (CVBF) AI Stock Analysis

• Market Cap: $2.74B
• Dividend Yield: 4%
• Average Volume (3M): 887.64K
• Price to Earnings (P/E): 13.6
• Beta (1Y): 0.84
• Revenue Growth: -8.43%
• EPS Growth: 3.75%
• Country: US
• Employees: 1,089
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.38
• Shares Outstanding: 136,809,070
• 10 Day Avg. Volume: 910,471
• 30 Day Avg. Volume: 887,640
• PEG Ratio: -1.57
• Price to Book (P/B): 1.36
• Price to Sales (P/S): 4.50
• P/FCF Ratio: 12.11
• Enterprise Value/Market Cap: 1.26
• Enterprise Value/Revenue: 5.50
• Enterprise Value/Gross Profit: 6.99
• Enterprise Value/Ebitda: 11.77
• 1Y Price Target: $23.33
• Price Target Upside: 15.21% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): 1.51
• Revenue Forecast (FY): $517.18M

• Rating: 74 Outperform
• Price Target: $22.00 ▲(8.64% Upside)

Cvb Financial's strong financial performance and consistent profitability are key strengths, supported by positive technical indicators and reasonable valuation. The earnings call and corporate events further bolster confidence, despite some challenges in revenue growth and market competition.

Positive Factors

Consistent Profitability

The company's long track record of profitability highlights its resilient business model and effective management, ensuring long-term stability.

Asset and Loan Growth

Loan growth indicates strong demand for the company's services and supports future interest income, reinforcing its market position.

Leadership Expansion

New board member with extensive experience enhances leadership diversity and strategic decision-making, supporting future growth.

Negative Factors

Revenue Decline

A decline in revenue growth could hinder long-term expansion and affect the company's ability to invest in new opportunities.

Increased Noninterest Expense

Rising expenses can pressure margins and reduce profitability, affecting the company's ability to maintain competitive pricing.

Intense Rate Competition

Competitive pressures on loan yields may limit profitability and require strategic adjustments to maintain market share.

Cvb Financial Business Overview & Revenue Model

Company Description

CVB Financial Corp. operates as a bank holding company for Citizens Business Bank, a state-chartered bank that provides banking and financial services to small to mid-sized businesses and individuals. It offers checking, savings, money market, and time certificates of deposit products for business and personal accounts; and serves as a federal tax depository for business customers. The company also provides commercial lending products comprising lines of credit and other working capital financing, accounts receivable lending, and letters of credit; agriculture loans to finance the operating needs of wholesale dairy farm operations, cattle feeders, livestock raisers, and farmers; lease financing services for municipal governments; commercial real estate and construction loans; and consumer financing products, including automobile leasing and financing, lines of credit, credit cards, home mortgages, and home equity loans and lines of credit. In addition, it offers various specialized services, such as treasury management systems for monitoring cash flow, merchant card processing program, armored pick-up and delivery, payroll services, remote deposit capture, electronic funds transfers, wires and automated clearinghouse, and online account access. Further, the company provides trust services through its CitizensTrust Division, such as fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. As of December 31, 2021, it operated 58 banking centers located in the Inland Empire, Los Angeles County, Orange County, San Diego County, Ventura County, Santa Barbara County, and the Central Valley area of California; and three trust offices located in Ontario, Newport Beach, and Pasadena, as well as two loan production offices in California's Central Valley and the Sacramento area. The company was founded in 1974 and is headquartered in Ontario, California.

How the Company Makes Money

Cvb Financial generates revenue primarily through interest income from loans and fees from various banking services. Key revenue streams include commercial loans, residential mortgages, and consumer loans, which together contribute significantly to the company's interest income. Additionally, the bank earns non-interest income through fees for services such as treasury management, account maintenance, and wealth management services. The company's strong focus on relationship banking allows it to build long-term partnerships with clients, enhancing customer loyalty and driving repeat business. Furthermore, Cvb Financial may benefit from strategic partnerships with other financial institutions and businesses, which can lead to referrals and increased customer acquisition.

Cvb Financial Financial Statement Overview

Summary

Cvb Financial shows strong profitability with a consistent gross profit margin above 70% and a net profit margin over 30% in TTM. However, revenue growth has been negative recently, indicating potential challenges in expanding its revenue base. The company maintains a moderate debt-to-equity ratio of 0.40 in TTM, indicating manageable leverage. Return on equity is stable around 9%, but there is a slight decline in equity ratio, suggesting a need for careful management of assets and liabilities. Cvb Financial demonstrates robust cash flow management with a significant free cash flow growth rate of 13.38% in TTM. The operating cash flow to net income ratio is strong, indicating efficient conversion of income into cash.

Income Statement

Cvb Financial shows strong profitability with a consistent gross profit margin above 70% and a net profit margin over 30% in TTM. However, revenue growth has been negative recently, indicating potential challenges in expanding its revenue base.

Balance Sheet

The company maintains a moderate debt-to-equity ratio of 0.40 in TTM, indicating manageable leverage. Return on equity is stable around 9%, but there is a slight decline in equity ratio, suggesting a need for careful management of assets and liabilities.

Cash Flow

Cvb Financial demonstrates robust cash flow management with a significant free cash flow growth rate of 13.38% in TTM. The operating cash flow to net income ratio is strong, indicating efficient conversion of income into cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	625.75M	658.69M	665.66M	561.94M	467.83M	478.53M
Gross Profit	491.87M	480.17M	545.82M	542.18M	488.25M	440.74M
EBITDA	292.18M	286.61M	333.60M	342.01M	291.22M	248.36M
Net Income	205.11M	200.72M	221.44M	235.43M	212.52M	177.16M
Balance Sheet
Total Assets	15.67B	15.15B	16.02B	16.48B	15.88B	14.42B
Cash, Cash Equivalents and Short-Term Investments	852.58M	268.94M	3.25B	3.47B	4.94B	4.40B
Total Debt	951.26M	761.89M	2.34B	1.56B	644.67M	470.18M
Total Liabilities	13.38B	12.97B	13.94B	14.53B	13.80B	12.41B
Stockholders Equity	2.28B	2.19B	2.08B	1.95B	2.08B	2.01B
Cash Flow
Free Cash Flow	246.94M	244.63M	291.11M	268.37M	190.56M	180.42M
Operating Cash Flow	251.28M	249.76M	295.63M	273.73M	195.24M	185.10M
Investing Cash Flow	128.88M	852.75M	536.28M	-1.18B	-1.73B	-1.27B
Financing Cash Flow	-49.70M	-1.18B	-754.08M	-625.85M	1.31B	2.86B

Cvb Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 20.25
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CVBF, the sentiment is Positive. The current price of 20.25 is above the 20-day moving average (MA) of 19.77, above the 50-day MA of 19.11, and above the 200-day MA of 18.94, indicating a bullish trend. The MACD of 0.30 indicates Negative momentum. The RSI at 60.06 is Neutral, neither overbought nor oversold. The STOCH value of 66.46 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CVBF.

Cvb Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CVBF	74 Outperform	$2.74B	13.55	9.10%	4.00%	-8.43%	3.75%
BKU	74 Outperform	$3.42B	12.87	9.04%	2.68%	-5.44%	45.47%
PRK	73 Outperform	$2.63B	15.09	13.69%	2.87%	6.29%	28.28%
BOH	71 Outperform	$2.76B	16.95	10.65%	4.04%	3.40%	23.04%
FBK	71 Outperform	$3.11B	27.12	5.85%	1.31%	10.50%	-6.22%
TOWN	70 Outperform	$2.88B	15.81	7.37%	2.93%	9.48%	12.83%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Cvb Financial Corporate Events

CVB Financial’s Bank Conversion Approved by OCC

CVB Financial Corp. announced that the federal Office of the Comptroller of the Currency has approved Citizens Business Bank’s application to convert from a California-chartered bank to a national banking association. This conversion, effective on December 15, 2025, will result in a name change to ‘Citizens Business Bank, National Association,’ potentially impacting the bank’s operations and market positioning.

CVB Financial Appoints Timothy Stephens to Board

On October 23, 2025, CVB Financial Corp. announced the appointment of Timothy Stephens as a new Board Member, effective November 1, 2025. Stephens, who brings over 33 years of experience in financial services and information technology, will also serve on various committees within the company and its subsidiary, Citizens Business Bank. This appointment expands the boards of both the company and the bank from eight to nine members, enhancing their skill set mix, geographic representation, and diversity.

CVB Financial Reports Strong Q3 2025 Performance

In October 2025, CVB Financial Corp. announced that its President and CEO, along with the CFO, will present to institutional investors throughout the fourth quarter of 2025, with updated financial information from the third quarter. The company reported a net income of $52.6 million for Q3 2025, with an increase in loans and deposits compared to the previous quarter. CVB Financial Corp. continues to maintain strong profitability and asset quality, with a focus on expanding its market presence and maintaining its position as a leading financial institution in Southern California.