Cvb Financial (CVBF) AI Stock Analysis

• Market Cap: $2.53B
• Dividend Yield: 4.31%
• Average Volume (3M): 743.80K
• Price to Earnings (P/E): 12.5
• Beta (1Y): 1.02
• Revenue Growth: -8.43%
• EPS Growth: 3.92%
• Country: US
• Employees: 1,089
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.38
• Shares Outstanding: 137,817,600
• 10 Day Avg. Volume: 766,850
• 30 Day Avg. Volume: 743,803
• 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: 1.34
• Enterprise Value/Revenue: 5.37
• Enterprise Value/Gross Profit: 7.03
• Enterprise Value/Ebitda: 11.54
• 1Y Price Target: $23.33
• Price Target Upside: 25.70% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 73 Outperform
• Price Target: $21.00 ▲(13.15% Upside)

Cvb Financial's overall stock score is driven by its solid financial performance and strong earnings call results, highlighting consistent profitability and asset growth. The valuation is attractive with a low P/E ratio and high dividend yield. However, technical indicators suggest a bearish trend, and challenges such as increased expenses and competitive pressures are notable risks.

Positive Factors

Consistent Profitability

Consistent profitability over many quarters indicates a stable and resilient business model, enhancing investor confidence and supporting long-term growth.

Dividend Stability

Regular dividend payments reflect strong cash flow management and commitment to returning value to shareholders, fostering long-term investor loyalty.

Asset and Loan Growth

Growth in assets and loans suggests effective market penetration and demand for services, supporting future revenue and profitability expansion.

Negative Factors

Negative Revenue Growth

Negative revenue growth indicates potential challenges in expanding the business, which could affect long-term profitability and market position.

Increased Noninterest Expense

Rising noninterest expenses can pressure margins and reduce profitability, necessitating careful cost management to maintain financial health.

Intense Rate Competition

Intense rate competition can erode pricing power and compress margins, challenging the company's ability to maintain its competitive edge.

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 through various streams, primarily from net interest income, which is earned by lending money to customers at a higher interest rate than it pays on deposits. This includes loans to businesses and individuals, as well as commercial real estate financing. Additionally, CVBF earns non-interest income from fees associated with banking services, such as account maintenance, transaction fees, and wealth management services. The company also benefits from its investment portfolio, which contributes to overall earnings. Strategic partnerships, particularly with local businesses and community organizations, enhance its market presence and customer base, further supporting its revenue generation.

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, indicating manageable leverage, and demonstrates robust cash flow management with a significant free cash flow growth rate of 13.38%.

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	632.04M	658.69M	665.66M	561.94M	467.83M	478.53M
Gross Profit	482.81M	480.17M	545.82M	541.30M	488.25M	440.74M
EBITDA	294.07M	286.61M	333.60M	342.01M	291.22M	248.36M
Net Income	203.75M	200.72M	221.44M	235.43M	212.52M	177.16M
Balance Sheet
Total Assets	15.41B	15.15B	16.02B	16.48B	15.88B	14.42B
Cash, Cash Equivalents and Short-Term Investments	2.68B	268.94M	3.25B	3.47B	4.94B	4.40B
Total Debt	950.58M	811.50M	2.34B	1.56B	644.67M	470.18M
Total Liabilities	13.17B	12.97B	13.94B	14.53B	13.80B	12.41B
Stockholders Equity	2.24B	2.19B	2.08B	1.95B	2.08B	2.01B
Cash Flow
Free Cash Flow	236.41M	244.63M	291.11M	268.37M	190.56M	180.42M
Operating Cash Flow	241.13M	249.76M	295.63M	273.73M	195.24M	185.10M
Investing Cash Flow	775.96M	852.75M	536.28M	-1.18B	-1.73B	-1.27B
Financing Cash Flow	-1.12B	-1.18B	-754.08M	-625.85M	1.31B	2.86B

Cvb Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 18.56
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 Negative. The current price of 18.56 is below the 20-day moving average (MA) of 18.77, below the 50-day MA of 19.29, and below the 200-day MA of 19.02, indicating a bearish trend. The MACD of -0.12 indicates Negative momentum. The RSI at 45.07 is Neutral, neither overbought nor oversold. The STOCH value of 47.45 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CVBF.

Cvb Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CVBF	―	$2.53B	12.46	20.93%	4.31%	-8.43%	3.92%
BOH	―	$2.58B	15.89	10.65%	4.38%	3.40%	23.04%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PRK	―	$2.45B	14.02	13.69%	2.99%	6.29%	28.28%
BKU	―	$3.01B	11.33	9.04%	3.06%	-5.44%	45.47%
TOWN	―	$2.64B	14.49	7.37%	3.20%	9.48%	12.83%
FBK	―	$2.91B	25.26	5.85%	1.33%	10.80%	-6.22%

Cvb Financial Corporate Events

CVB Financial’s Earnings Call: Steady Growth Amid Challenges

The recent earnings call for CVB Financial Corporation painted a picture of strong performance, underscored by consistent profitability and growth in assets and loans. The company continues to maintain a stable dividend policy, which is a positive signal for investors. However, the call also highlighted some challenges, including losses from securities sales, increased expenses, and competitive pressures in the market.

CVB Financial Corp. Reports Steady Q3 2025 Earnings

CVB Financial Corp. is a prominent bank holding company based in California, known for its subsidiary, Citizens Business Bank, which offers a wide range of banking, lending, and investment services. The company is recognized as one of the top-performing banks in the nation.

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.

The most recent analyst rating on (CVBF) stock is a Buy with a $23.00 price target. To see the full list of analyst forecasts on Cvb Financial stock, see the CVBF Stock Forecast page.

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.

The most recent analyst rating on (CVBF) stock is a Buy with a $23.00 price target. To see the full list of analyst forecasts on Cvb Financial stock, see the CVBF Stock Forecast page.