CVB Financial Corp.

CVB Financial Corp.

CVBFยทNASDAQ

$19.88

-1.1%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$2.70B
EPS1.5300
P/E Ratio12.99
Earnings Date07/22/2026
CVB Financial Corp.

CVB Financial Corp. Fair Value Envelope

CVBF ยท NASDAQ

Our analysis suggests that CVBF has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $19.88, this represents a potential HIDDEN relative to our calculated worth for CVB Financial Corp..

Intrinsic Value
Current Price: $19.88

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$1.4B
+ Cash & Equivalents$107.5M
Firm Value$1.5B
- Debt$990.6M
Equity Value$527.2M
/ Shares Outstanding137,550,755B
DCF Value$4
OVERVALUED BY 81%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$196.7M
$174.8M
$155.3M
$138.0M
$122.6M
$108.9M
$96.8M
$86.0M
$76.4M
$67.9M
Maintenance CapEx
-$722.7K
-$642.1K
-$570.5K
-$506.8K
-$450.3K
-$400.1K
-$355.4K
-$315.8K
-$280.6K
-$249.3K
Owner Earnings
$196.0M
$174.1M
$154.7M
$137.5M
$122.1M
$108.5M
$96.4M
$85.6M
$76.1M
$67.6M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$181.5M
$149.3M
$122.8M
$101.0M
$83.1M
$68.4M
$56.2M
$46.3M
$38.1M
$31.3M
Terminal Value represents 37.7% of Enterprise Value