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Financial Services - Banks - Regional - NASDAQ - US
$ 16.73
-0.712 %
$ 2.34 B
Market Cap
11.62
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CVBF stock under the worst case scenario is HIDDEN Compared to the current market price of 16.7 USD, CVB Financial Corp. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CVBF stock under the base case scenario is HIDDEN Compared to the current market price of 16.7 USD, CVB Financial Corp. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CVBF stock under the best case scenario is HIDDEN Compared to the current market price of 16.7 USD, CVB Financial Corp. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart CVBF

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$24.0$24.0$23.0$23.0$22.0$22.0$21.0$21.0$20.0$20.0$19.0$19.0$18.0$18.0$17.0$17.0$16.0$16.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
134 M REVENUE
-75.51%
127 M OPERATING INCOME
-64.12%
7.74 M NET INCOME
-96.51%
250 M OPERATING CASH FLOW
-15.51%
853 M INVESTING CASH FLOW
-1.41%
-1.18 B FINANCING CASH FLOW
-56.36%
31.1 M REVENUE
-73.51%
29.3 M OPERATING INCOME
-56.66%
50.9 M NET INCOME
-0.71%
74.8 M OPERATING CASH FLOW
4.70%
-39.1 M INVESTING CASH FLOW
-8.54%
-284 M FINANCING CASH FLOW
69.08%
Balance Sheet CVB Financial Corp.
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Current Assets 2.74 B
Cash & Short-Term Investments 2.7 B
Receivables 283 M
Other Current Assets -237 M
Non-Current Assets 803 M
Long-Term Investments 0
PP&E 27.5 M
Other Non-Current Assets 776 M
76.05 %7.98 %21.88 %Total Assets$3.5b
Current Liabilities 5.05 M
Accounts Payable 5.05 M
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 12.8 B
Long-Term Debt 0
Other Non-Current Liabilities 12.8 B
99.96 %Total Liabilities$12.8b
EFFICIENCY
Earnings Waterfall CVB Financial Corp.
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Revenue 134 M
Cost Of Revenue 0
Gross Profit 134 M
Operating Expenses 7.31 M
Operating Income 127 M
Other Expenses 119 M
Net Income 7.74 M
140m140m120m120m100m100m80m80m60m60m40m40m20m20m00134m0134m(7m)127m(119m)8mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
94.55% OPERATING MARGIN
94.55%
149.74% NET MARGIN
149.74%
9.18% ROE
9.18%
1.32% ROA
1.32%
2.65% ROIC
2.65%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis CVB Financial Corp.
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300m300m250m250m200m200m150m150m100m100m50m50m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 7.74 M
Depreciation & Amortization 15.4 M
Capital Expenditures 0
Stock-Based Compensation 0
Change in Working Capital 0
Others 254 M
Free Cash Flow 250 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets CVB Financial Corp.
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Wall Street analysts predict an average 1-year price target for CVBF of $21 , with forecasts ranging from a low of $21 to a high of $21 .
CVBF Lowest Price Target Wall Street Target
21 USD 25.52%
CVBF Average Price Target Wall Street Target
21 USD 25.52%
CVBF Highest Price Target Wall Street Target
21 USD 25.52%
Price
Max Price Target
Min Price Target
Average Price Target
2424232322222121202019191818171716161515May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.94% DIVIDEND YIELD
0.2 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.800.800.700.700.600.600.500.500.400.400.300.300.200.200.100.100.000.000.120.120.140.140.180.180.20.120.120.140.180.180.180.180.190.20.20.20.120.120.140.140.180.180.20.20.20.120.480.120.480.120.540.140.600.140.680.180.720.180.760.180.570.180.580.180.380.20.400.20.200.20.200.20.202015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 20
6. Ownership
Insider Ownership CVB Financial Corp.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
197 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
50.8 K USD 1
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
639 K USD 2
9-12 MONTHS
7. News
CVB Financial Corp. Announces 142nd Consecutive Quarterly Cash Dividend Ontario, CA, March 19, 2025 (GLOBE NEWSWIRE) -- CVB Financial Corp. (NASDAQ: CVBF) (the “Company”) announced a twenty cent ($0.20) per share cash dividend with respect to the first quarter of 2025. This dividend was approved at the Company's regularly scheduled Board of Directors meeting held on March 19, 2025. The quarterly dividend will be payable on or about April 16, 2025 to shareholders of record as of April 2, 2025. globenewswire.com - 1 month ago
Citizens Business Bank Recognized on Forbes List of Best Banks in America ONTARIO, Calif., Feb. 05, 2025 (GLOBE NEWSWIRE) -- CVB Financial Corp. (NASDAQ: CVBF), the holding company for Citizens Business Bank (the “Bank”), has been recognized by Forbes in their 16thannual America's Best Banks list. This recognition marks the ninth time in the past decade that the Bank has earned a place on Forbes' prestigious list of the best banks in the nation. globenewswire.com - 2 months ago
CVB Financial Corporation (CVBF) Q4 2024 Earnings Call Transcript CVB Financial Corporation (NASDAQ:CVBF ) Q4 2024 Earnings Conference Call January 23, 2024 10:30 AM ET Company Participants Allen Nicholson - EVP & CFO David Brager - President, CEO & Director Conference Call Participants David Feaster - Raymond James Andrew Terrell - Stephens Ahmad Hasan - D.A. Davidson & Co. Adam Butler - Piper Sandler & Co. Kelly Motta - KBW Timothy Coffey - Janney Montgomery Scott Operator Good morning, ladies and gentlemen, and welcome to the Fourth Quarter of 2024 CVB Financial Corporation and its subsidiary, Citizens Business Bank Earnings Conference Call. seekingalpha.com - 2 months ago
CVB Financial (CVBF) Reports Q4 Earnings: What Key Metrics Have to Say The headline numbers for CVB Financial (CVBF) give insight into how the company performed in the quarter ended December 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 2 months ago
CVB Financial (CVBF) Q4 Earnings Beat Estimates CVB Financial (CVBF) came out with quarterly earnings of $0.36 per share, beating the Zacks Consensus Estimate of $0.34 per share. This compares to earnings of $0.39 per share a year ago. zacks.com - 2 months ago
CVB Financial Corp. Reports Earnings for the Fourth Quarter and the Year Ended 2024 Fourth Quarter 2024 Net Earnings of $51 million, or $0.36 per share Return on Average Assets of 1.30% Net Interest Margin of 3.18% Full Year 2024 Net Earnings of $201 million, or $1.44 per share Return on Average Tangible Common Equity of 14.95% Ontario, CA, Jan. 22, 2025 (GLOBE NEWSWIRE) -- CVB Financial Corp. (NASDAQ:CVBF) and its subsidiary, Citizens Business Bank (the “Company”), announced earnings for the quarter and the year ended December 31, 2024. CVB Financial Corp. reported net income of $50.9 million for the quarter ended December 31, 2024, compared with $51.2 million for the third quarter of 2024 and $48.5 million for the fourth quarter of 2023. globenewswire.com - 2 months ago
Citizens Business Bank Donates $200,000 to Los Angeles Wildfire Relief Organizations ONTARIO, Calif., Jan. 21, 2025 (GLOBE NEWSWIRE) -- Citizens Business Bank (the “Bank”), a subsidiary of CVB Financial Corp. (NASDAQ: CVBF), announced today that the Bank has committed $200,000 to local community organizations directed specifically to wildfire relief. The Bank's $200,000 donation will be distributed to four organizations in Los Angeles County, with each receiving $50,000. The recipient organizations include Foothill Unity Center, Union Station Homeless Services, Pasadena Community Foundation's Eaton Fire Relief & Recovery Fund and the Los Angeles Regional Food Bank. “The wildfires continue to have a devastating impact on Southern California, and many of our customers and associates have been directly affected,” said David Brager, President and Chief Executive Officer of Citizens Business Bank, which operates 21 Business Financial Centers throughout Los Angeles County. “We want to remind our communities that we will get through this together. These donations will be used to support local families that could use the help right now,” said Brager. A repository of emergency assistance resources for the fires in Los Angeles County is available on the Bank's website cbbank.com. Corporate Overview CVB Financial Corp. (“CVBF”) is the holding company for Citizens Business Bank. CVBF is one of the 10 largest bank holding companies headquartered in California with greater than $15 billion in total assets. Citizens Business Bank is consistently recognized as one of the top performing banks in the nation and offers a wide array of banking, lending and investing services with more than 60 banking centers and three trust office locations serving California. Shares of CVB Financial Corp. common stock are listed on the NASDAQ under the ticker symbol “CVBF”. For investor information on CVB Financial Corp., visit our Citizens Business Bank website at www.cbbank.com and click on the “Investors” tab. globenewswire.com - 2 months ago
Bears are Losing Control Over CVB Financial (CVBF), Here's Why It's a 'Buy' Now CVB Financial (CVBF) witnesses a hammer chart pattern, indicating support found by the stock after losing some value lately. This coupled with an upward trend in earnings estimate revisions could mean a trend reversal for the stock in the near term. zacks.com - 3 months ago
CVB Financial Corp. Announces 141st Consecutive Quarterly Cash Dividend Ontario, CA, Dec. 16, 2024 (GLOBE NEWSWIRE) -- CVB Financial Corp. (NASDAQ: CVBF) (the “Company”) announced a twenty cent ($0.20) per share cash dividend with respect to the fourth quarter of 2024. This dividend was approved at the Company's regularly scheduled Board of Directors meeting held on December 16, 2024. The quarterly dividend will be payable on or about January 15, 2025 to shareholders of record as of December 31, 2024. globenewswire.com - 4 months ago
CVB Financial Rewards Shareholders With New Share Repurchase Plan CVBF announces a new share repurchase program of 10 million. Given its decent liquidity profile, this looks sustainable. zacks.com - 4 months ago
CVB Financial Corp. Announces Authorization of 10 Million Share Repurchase Plan Ontario, CA, Nov. 21, 2024 (GLOBE NEWSWIRE) -- CVB Financial Corp. (NASDAQ:CVBF) announced that, at its regular meeting on November 20, 2024, the Board of Directors of CVB Financial Corp. (the “Company”), the holding company for Citizens Business Bank, authorized the Company to repurchase up to 10,000,000 shares of the Company's common stock (the “2024 Repurchase Program”), including by means of one or more Rule 10b5-1 plans or other appropriate buy-back arrangements, including open market purchases and private transactions. globenewswire.com - 4 months ago
CVB Financial (CVBF) Reports Q3 Earnings: What Key Metrics Have to Say Although the revenue and EPS for CVB Financial (CVBF) give a sense of how its business performed in the quarter ended September 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 5 months ago
8. Profile Summary

CVB Financial Corp. CVBF

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 2.34 B
Dividend Yield 0.94%
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.
Contact 701 North Haven Avenue, Ontario, CA, 91764 https://www.cbbank.com
IPO Date April 4, 1983
Employees 1089
Officers Mr. E. Allen Nicholson CPA Executive Vice President & Chief Financial Officer Mr. David A. Brager President, Chief Executive Officer & Director Mr. Richard H. Wohl J.D. Executive Vice President & General Counsel Mr. David F. Farnsworth Executive Vice President & Chief Credit Officer Mr. Donald E. Evenson CFA Senior Vice President & Chief Investment Officer Mr. Michael K. Currie Senior Vice President & Chief Information Officer Ms. Sheryl P. Laygo Senior Vice President & Chief Accounting Officer Ms. Yamynn DeAngelis Executive Vice President & Chief Risk Officer Ms. Joyce Y. Kwon Executive Vice President & Director of Human Resources Mr. David C. Harvey Executive Vice President & Chief Operating Officer