Cvb Financial (CVBF) AI Stock Analysis

• Market Cap: $2.62B
• Dividend Yield: 4.27%
• Average Volume (3M): 729.76K
• Price to Earnings (P/E): 13.0
• Beta (1Y): 0.98
• Revenue Growth: -5.14%
• EPS Growth: -0.70%
• 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: 709,619
• 30 Day Avg. Volume: 729,762
• 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: 0.00
• Enterprise Value/Revenue: 0.00
• Enterprise Value/Gross Profit: 0.00
• Enterprise Value/Ebitda: 0.00
• 1Y Price Target: $23.67
• Price Target Upside: 27.12% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 71 Outperform
• Price Target: $21.00 ▲(12.78% Upside)

Cvb Financial's strong financial performance and consistent profitability are significant strengths, supported by a solid dividend yield. However, technical indicators suggest a bearish trend, and challenges in loan balances and competition impact the overall score.

Positive Factors

Consistent Profitability

Consistent profitability over an extended period indicates a stable business model and effective management, supporting long-term financial health.

Strong Dividend Record

A strong dividend record reflects financial stability and a commitment to returning value to shareholders, enhancing investor confidence.

Increased Loan Originations

Increased loan originations suggest growing demand for the company's lending services, potentially leading to higher future revenues.

Negative Factors

Decline in Loan Balances

A decline in loan balances can indicate reduced demand or increased competition, potentially impacting future interest income and growth.

Increase in Nonperforming Loans

Rising nonperforming loans can strain financial resources and increase risk, potentially affecting profitability and asset quality.

Intense Competitive Environment

Intense competition can pressure margins and limit growth opportunities, challenging the company's ability to maintain its market position.

Cvb Financial Business Overview & Revenue Model

Company Description

Cvb Financial (CVBF) is a financial services holding company based in the United States, primarily operating through its subsidiary, Citizens Business Bank. The company provides a wide range of banking services including commercial and consumer banking, wealth management, and investment services. CVBF focuses on serving small to medium-sized businesses and individual customers, emphasizing personalized service and community involvement.

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 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. 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. 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.

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	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	290.22M	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	904.15M	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: 18.62
• 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 18.62 is below the 20-day moving average (MA) of 18.80, below the 50-day MA of 19.34, and below the 200-day MA of 19.04, indicating a bearish trend. The MACD of -0.19 indicates Negative momentum. The RSI at 45.61 is Neutral, neither overbought nor oversold. The STOCH value of 55.19 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	71 Outperform	$2.62B	13.01	9.30%	4.27%	-5.14%	-0.70%
BOH	71 Outperform	$2.46B	16.19	10.20%	4.54%	2.74%	7.24%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BKU	68 Neutral	$2.77B	10.41	9.04%	3.31%	-5.44%	45.47%
PRK	67 Neutral	$2.57B	15.53	13.49%	2.99%	10.28%	22.73%
TOWN	64 Neutral	$2.74B	14.64	8.07%	3.09%	8.34%	14.44%
FBK	64 Neutral	$2.87B	24.96	5.85%	1.36%	10.80%	-6.22%

Cvb Financial Corporate Events

CVB Financial’s Earnings Call: Stability Amid Challenges

CVB Financial’s recent earnings call painted a picture of stable performance, underscored by a strong history of profitability and consistent dividend payments. The company showcased improvements in net interest margin and deposit growth, although it faced challenges such as a decline in total loans, increased nonperforming loans, lower noninterest income, and a competitive loan pricing environment.

CVB Financial Corp. Reports Stable Q2 2025 Earnings

CVB Financial Corp., a leading bank holding company based in California, operates Citizens Business Bank, offering a range of banking, lending, and investment services primarily to small and medium-sized businesses. In its latest earnings report for the second quarter of 2025, CVB Financial Corp. announced net earnings of $50.6 million, maintaining a steady performance with a return on average assets of 1.34% and an efficiency ratio of 45.6%. The company also reported a net interest margin of 3.31%, reflecting its stable financial health.

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.

The most recent analyst rating on (CVBF) stock is a Hold with a $20.00 price target. To see the full list of analyst forecasts on Cvb Financial stock, see the CVBF Stock Forecast page.