Cvb Financial (CVBF) AI Stock Analysis

• Market Cap: $2.79B
• Dividend Yield: 3.95%
• Average Volume (3M): 791.45K
• Price to Earnings (P/E): 13.7
• Beta (1Y): 1.01
• Revenue Growth: -5.14%
• EPS Growth: -0.70%
• Country: US
• Employees: 1,089
• Sector: Financial
• Sector Strength: 74
• Industry: Banks - Regional
• EPS (TTM): 0.36
• Shares Outstanding: 137,817,600
• 10 Day Avg. Volume: 580,798
• 30 Day Avg. Volume: 791,446
• 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: 1.24
• Enterprise Value/Revenue: 5.37
• Enterprise Value/Gross Profit: 7.20
• Enterprise Value/Ebitda: 11.92
• 1Y Price Target: $23.67
• Price Target Upside: 16.83% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 75 Outperform
• Price Target: $23.00 ▲(13.52% Upside)

Cvb Financial's overall stock score is driven primarily by its strong financial performance, characterized by solid profitability margins and a robust balance sheet. The technical analysis indicates a positive trend, though caution is advised due to potential overbought conditions. The valuation is reasonable, supported by an attractive dividend yield. The earnings call provided positive insights into consistent profitability and dividend payouts, despite some challenges in loan balances and competition. Corporate events had minimal impact on the score.

Positive Factors

Earnings

CVBF reported core EPS of $0.37, above consensus estimate of $0.34.

Financial Performance

The $22 price target offers investors an attractive 28% total return.

Negative Factors

Stock Performance

Shares have fallen -31% since the start of 2023, making CVBF the second-worst performing in the index.

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 demonstrates strong financial health with solid profitability margins and a sturdy balance sheet. The company maintains low leverage and effective cash management, although a slight revenue decline and free cash flow contraction warrant attention.

Income Statement

Cvb Financial exhibits solid gross and net profit margins, indicative of efficient cost management. The TTM gross profit margin stands at 74.5%, while the net profit margin is 31.4%. However, a slight dip in revenue from the previous year suggests a potential area for improvement. Despite this, EBIT and EBITDA margins remain strong at 42.4% and 45.0%, respectively, demonstrating robust operational efficiency.

Balance Sheet

The balance sheet is strong, with a relatively low debt-to-equity ratio of 0.35, indicating conservative leverage. The equity ratio of 14.6% highlights a stable financial base. Return on equity is healthy at 9.1%, reflecting effective use of shareholders' funds. The company maintains a solid liquidity position with substantial cash reserves.

Cash Flow

Cvb Financial's cash flow performance is stable, with a strong operating cash flow to net income ratio of 1.05, indicating efficient cash generation. However, the free cash flow growth rate shows a decline of 14.8% from the previous year, which may warrant attention. The free cash flow to net income ratio is robust at 1.03, underscoring the company's ability to generate cash beyond its profit.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	646.40M	658.69M	665.66M	561.94M	467.83M	478.53M
Gross Profit	481.74M	480.17M	545.82M	541.30M	488.25M	440.74M
EBITDA	291.06M	286.61M	333.60M	342.01M	291.22M	248.36M
Net Income	203.22M	200.72M	221.44M	235.43M	212.52M	177.16M
Balance Sheet
Total Assets	15.26B	15.15B	16.02B	16.48B	15.88B	14.42B
Cash, Cash Equivalents and Short-Term Investments	597.26M	268.94M	3.25B	3.47B	4.94B	4.40B
Total Debt	824.00M	811.50M	2.34B	1.56B	644.67M	470.18M
Total Liabilities	13.03B	12.97B	13.94B	14.53B	13.80B	12.41B
Stockholders Equity	2.23B	2.19B	2.08B	1.95B	2.08B	2.01B
Cash Flow
Free Cash Flow	208.52M	244.63M	291.11M	268.37M	190.56M	180.42M
Operating Cash Flow	214.17M	249.76M	295.63M	273.73M	195.24M	185.10M
Investing Cash Flow	894.78M	852.75M	536.28M	-1.18B	-1.73B	-1.27B
Financing Cash Flow	-1.53B	-1.18B	-754.08M	-625.85M	1.31B	2.86B

Cvb Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 20.26
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 20.26 is above the 20-day moving average (MA) of 19.29, above the 50-day MA of 19.67, and above the 200-day MA of 19.74, indicating a bullish trend. The MACD of 0.08 indicates Negative momentum. The RSI at 59.52 is Neutral, neither overbought nor oversold. The STOCH value of 88.83 is Negative, 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
FBK	78 Outperform	$2.88B	27.47	5.81%	1.38%	-5.80%	-22.11%
PRK	76 Outperform	$2.79B	16.73	13.49%	2.75%	10.28%	22.73%
CVBF	75 Outperform	$2.79B	13.71	9.30%	3.95%	-5.14%	-0.70%
BKU	72 Outperform	$2.93B	11.32	8.98%	3.08%	-2.80%	51.85%
BOH	71 Outperform	$2.72B	17.81	10.20%	4.09%	2.74%	7.24%
TOWN	70 Outperform	$2.77B	15.93	8.07%	2.76%	8.34%	14.44%
Sector *	68 Neutral	$17.69B	11.82	10.30%	3.73%	9.66%	0.42%

Cvb Financial Corporate Events

CVB Financial Prepares Q3 2025 Investor Presentation

CVB Financial Corp. announced that its President and CEO, along with the CFO, will present to institutional investors in the third quarter of 2025, with updated financial information from the second quarter of 2025. The company’s financial highlights for Q2 2025 include a net income of $51 million and an EPS of $0.36, with deposits and customer repos increasing by $123 million since March 2025. The company maintains strong capital ratios and a robust balance sheet, positioning it well within the competitive banking industry in California.