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Financial Services - Banks - Regional - NASDAQ - US
$ 22.52
-0.442 %
$ 3.15 B
Market Cap
15.86
P/E
1. INTRINSIC VALUE

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.[ Read More ]

The intrinsic value of one CVBF stock under the base case scenario is HIDDEN Compared to the current market price of 22.5 USD, CVB Financial Corp. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart CVBF

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FINANCIALS
544 M REVENUE
-2.00%
353 M OPERATING INCOME
4.65%
220 M NET INCOME
-6.60%
296 M OPERATING CASH FLOW
8.00%
865 M INVESTING CASH FLOW
173.49%
-754 M FINANCING CASH FLOW
-20.49%
179 M REVENUE
2.93%
67.6 M OPERATING INCOME
-3.70%
-114 M NET INCOME
-229.67%
71.4 M OPERATING CASH FLOW
173.06%
458 M INVESTING CASH FLOW
125.68%
-920 M FINANCING CASH FLOW
-175.10%
Balance Sheet Decomposition CVB Financial Corp.
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Current Assets 281 M
Cash & Short-Term Investments 281 M
Receivables 0
Other Current Assets 0
Non-Current Assets 20.8 B
Long-Term Investments 5.49 B
PP&E 66.4 M
Other Non-Current Assets 15.2 B
Current Liabilities 13.5 B
Accounts Payable 23.3 M
Short-Term Debt 2.07 B
Other Current Liabilities 11.4 B
Non-Current Liabilities 13.9 B
Long-Term Debt 0
Other Non-Current Liabilities 13.9 B
EFFICIENCY
Earnings Waterfall CVB Financial Corp.
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Revenue 544 M
Cost Of Revenue -121 M
Gross Profit 666 M
Operating Expenses 191 M
Operating Income 353 M
Other Expenses 133 M
Net Income 220 M
RATIOS
122.28% GROSS MARGIN
122.28%
64.88% OPERATING MARGIN
64.88%
40.68% NET MARGIN
40.68%
10.66% ROE
10.66%
1.38% ROA
1.38%
5.98% ROIC
5.98%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis CVB Financial Corp.
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Net Income 220 M
Depreciation & Amortization 18.2 M
Capital Expenditures -4.52 M
Stock-Based Compensation 9.44 M
Change in Working Capital 35.4 M
Others 48.1 M
Free Cash Flow 291 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 -6.75%
CVBF Average Price Target Wall Street Target
21 USD -6.75%
CVBF Highest Price Target Wall Street Target
21 USD -6.75%
4. DIVIDEND ANALYSIS
1.13% DIVIDEND YIELD
0.2 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership CVB Financial Corp.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
50.8 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
621 K USD 1
3-6 MONTHS
18.1 K USD 1
6-9 MONTHS
1.07 M USD 3
9-12 MONTHS
Date Value Insider Amount Avg Price
4 months ago
Jul 02, 2024
Sell 50.8 K USD
Sheehy Kimberly H.
Director
- 2961
17.1438 USD
5 months ago
Jun 17, 2024
Bought 73.8 K USD
Borba George A Jr
Director
+ 4610
15.999 USD
5 months ago
Jun 14, 2024
Bought 547 K USD
Borba George A Jr
Director
+ 34200
15.9894 USD
6 months ago
Apr 30, 2024
Bought 18.1 K USD
Farnsworth David F
EVP & CCO
+ 1100
16.4099 USD
9 months ago
Feb 06, 2024
Bought 1 M USD
Borba George A Jr
Director
+ 59601
16.7782 USD
9 months ago
Feb 06, 2024
Bought 33.5 K USD
Brager David A.
President & CEO
+ 2000
16.75 USD
9 months ago
Feb 01, 2024
Bought 33.5 K USD
Nicholson E Allen
EVP & CFO
+ 2000
16.77 USD
1 year ago
Nov 02, 2023
Bought 1.63 M USD
Borba George A Jr
Director
+ 97006
16.8251 USD
1 year ago
Nov 01, 2023
Bought 3.36 M USD
Borba George A Jr
Director
+ 212000
15.8424 USD
1 year ago
Jun 30, 2023
Bought 12.1 K USD
Kan Anna
Director
+ 900
13.4 USD
1 year ago
May 24, 2023
Bought 12.4 K USD
Kan Anna
Director
+ 1000
12.45 USD
1 year ago
Aug 08, 2023
Bought 1.77 M USD
Borba George A Jr
Director
+ 92704
19.1132 USD
1 year ago
Aug 07, 2023
Bought 3.22 M USD
Borba George A Jr
Director
+ 165000
19.5175 USD
1 year ago
Jul 31, 2023
Bought 23.3 K USD
Farnsworth David F
EVP & CCO
+ 1250
18.67 USD
1 year ago
Mar 13, 2023
Bought 21.7 K USD
Olvera Jane
Director
+ 1200
18.0794 USD
1 year ago
Mar 13, 2023
Bought 20.8 K USD
Farnsworth David F
EVP & CCO
+ 1000
20.76 USD
1 year ago
Mar 10, 2023
Bought 21.5 K USD
Nicholson E Allen
EVP & CFO
+ 1000
21.486 USD
1 year ago
Mar 10, 2023
Bought 21.6 K USD
Harvey David C
EVP Chief Operating Officer
+ 1000
21.5965 USD
1 year ago
Mar 10, 2023
Bought 21.2 K USD
Brager David A.
President & CEO
+ 1000
21.18 USD
1 year ago
Mar 10, 2023
Bought 21 K USD
WOHL RICHARD H
EVP & General Counsel
+ 1000
21 USD
2 years ago
Oct 31, 2022
Sell 329 K USD
Farnsworth David F
EVP & CCO
- 11553
28.5125 USD
2 years ago
Oct 28, 2022
Sell 98.2 K USD
Farnsworth David F
EVP & CCO
- 3447
28.4823 USD
2 years ago
May 23, 2022
Sell 169 K USD
Kan Anna
director:
- 7000
24.2 USD
2 years ago
Apr 27, 2022
Sell 151 K USD
Leslie Kristina M
director:
- 6400
23.5809 USD
2 years ago
Feb 08, 2022
Sell 117 K USD
LaPoint Francene
SVP Chief Accounting Officer
- 5000
23.388 USD
5 years ago
Oct 28, 2019
Sell 349 K USD
Myers Christopher D
President & CEO
- 16500
21.157 USD
4 years ago
Jan 28, 2020
Sell 217 K USD
Oswalt Hal W
Director
- 10250
21.155 USD
5 years ago
Oct 28, 2019
Sell 349 K USD
Myers Christopher D
President & CEO
- 16500
21.157 USD
5 years ago
Sep 03, 2019
Bought 5.03 K USD
Oswalt Hal W
Director
+ 250
20.1197 USD
5 years ago
Jul 31, 2019
Sell 101 K USD
Myers Christopher D
President & CEO
- 4600
22.0379 USD
5 years ago
May 07, 2019
Sell 101 K USD
Kan Anna
Director
- 4660
21.74 USD
5 years ago
May 06, 2019
Sell 1.1 M USD
Myers Christopher D
President & CEO
- 50000
22.0547 USD
5 years ago
May 03, 2019
Sell 289 K USD
Myers Christopher D
President & CEO
- 13320
21.7 USD
5 years ago
May 03, 2019
Sell 351 K USD
Myers Christopher D
President & CEO
- 16000
21.958 USD
5 years ago
May 02, 2019
Sell 108 K USD
Myers Christopher D
President & CEO
- 4957
21.701 USD
5 years ago
May 01, 2019
Sell 1.15 M USD
Myers Christopher D
President & CEO
- 53000
21.707 USD
5 years ago
Apr 30, 2019
Sell 968 K USD
Myers Christopher D
President & CEO
- 44618
21.7011 USD
5 years ago
Apr 29, 2019
Sell 523 K USD
Myers Christopher D
President & CEO
- 24000
21.7923 USD
5 years ago
Dec 12, 2018
Sell 24.5 K USD
Brager David A.
EVP Sales Division Manager
- 1128
21.6843 USD
6 years ago
Nov 07, 2018
Sell 224 K USD
DeAngelis Yamynn
EVP Chief Risk Officer
- 10000
22.43 USD
6 years ago
Apr 30, 2018
Bought 112 K USD
Guerra, Jr. Rodrigo
Director
+ 5000
22.459 USD
6 years ago
Mar 09, 2018
Sell 745 K USD
Myers Christopher D
President & CEO
- 30948
24.071 USD
6 years ago
Mar 08, 2018
Sell 477 K USD
Myers Christopher D
President & CEO
- 20000
23.852 USD
7 years ago
Aug 03, 2017
Bought 100 K USD
Kan Anna
Director
+ 4660
21.5 USD
7 years ago
May 08, 2017
Sell 44.3 K USD
Brager David A.
EVP Sales Division Manager
- 2000
22.1327 USD
7 years ago
Mar 15, 2017
Sell 70.4 K USD
Del Guercio Stephen A
Director
- 3000
23.48 USD
7 years ago
Feb 14, 2017
Sell 1.17 M USD
Myers Christopher D
President & CEO
- 50000
23.324 USD
7 years ago
Feb 02, 2017
Sell 1.11 M USD
Myers Christopher D
President & CEO
- 50000
22.14 USD
7 years ago
Jan 26, 2017
Sell 119 K USD
Myers Christopher D
President & CEO
- 5100
23.252 USD
7 years ago
Jan 26, 2017
Sell 460 K USD
Myers Christopher D
President & CEO
- 19900
23.132 USD
7 years ago
Jan 24, 2017
Sell 580 K USD
Myers Christopher D
President & CEO
- 25000
23.208 USD
7 years ago
Nov 30, 2016
Sell 125 K USD
Jacoby Robert
Director
- 6000
20.7885 USD
7 years ago
Nov 22, 2016
Sell 534 K USD
Myers Christopher D
President & CEO
- 25000
21.359 USD
8 years ago
Nov 17, 2016
Sell 526 K USD
Myers Christopher D
President & CEO
- 25000
21.033 USD
8 years ago
Nov 17, 2016
Sell 525 K USD
Jacoby Robert
Director
- 25000
21.0103 USD
8 years ago
Nov 14, 2016
Sell 310 K USD
Harvey David C
EVP Chief Operations Officer
- 15000
20.69 USD
8 years ago
Nov 10, 2016
Sell 482 K USD
Myers Christopher D
President & CEO
- 25000
19.274 USD
8 years ago
Aug 30, 2016
Sell 444 K USD
Myers Christopher D
President & CEO
- 25000
17.759 USD
8 years ago
Aug 15, 2016
Sell 427 K USD
Myers Christopher D
President & CEO
- 25000
17.083 USD
8 years ago
Aug 15, 2016
Sell 137 K USD
Brager David A.
EVP Sales Division Manager
- 8000
17.08 USD
8 years ago
Aug 10, 2016
Sell 425 K USD
Myers Christopher D
President & CEO
- 25000
17 USD
8 years ago
May 03, 2016
Bought 8.37 K USD
Oswalt Hal W
Director
+ 500
16.7367 USD
8 years ago
May 02, 2016
Bought 25.9 K USD
Oswalt Hal W
Director
+ 1500
17.25 USD
8 years ago
May 02, 2016
Sell 388 K USD
VACCARO SAN
Director
- 22520
17.2437 USD
8 years ago
Apr 29, 2016
Sell 470 K USD
Jacoby Robert
Director
- 27500
17.0902 USD
8 years ago
Apr 29, 2016
Sell 62.2 K USD
Brager David A.
EVP Sales Division Manager
- 3619
17.1864 USD
8 years ago
Apr 26, 2016
Bought 52 K USD
Oswalt Hal W
Director
+ 3000
17.348 USD
8 years ago
Mar 15, 2016
Sell 84.8 K USD
Brager David A.
EVP Sales Division Manager
- 4950
17.1391 USD
8 years ago
Mar 08, 2016
Sell 82.7 K USD
Del Guercio Stephen A
Director
- 5000
16.54 USD
8 years ago
Mar 02, 2016
Sell 130 K USD
VACCARO SAN
Director
- 8000
16.2627 USD
8 years ago
Dec 08, 2015
Bought 17.5 K USD
Oswalt Hal W
Director
+ 1000
17.4978 USD
9 years ago
Jun 05, 2015
Sell 114 K USD
Brager David A.
EVP Sales Division Manager
- 6875
16.5291 USD
9 years ago
May 13, 2015
Sell 16 K USD
Thomas Richard C
EVP & CFO
- 1000
16.05 USD
9 years ago
May 11, 2015
Sell 63.9 K USD
Thomas Richard C
EVP & CFO
- 4000
15.979 USD
9 years ago
May 11, 2015
Sell 8.02 K USD
Thomas Richard C
EVP & CFO
- 500
16.0408 USD
9 years ago
Mar 12, 2015
Sell 290 K USD
Thomas Richard C
EVP & CFO
- 18000
16.1 USD
9 years ago
Mar 12, 2015
Sell 320 K USD
Harvey David C
EVP Chief Operations Officer
- 20000
16 USD
9 years ago
Mar 09, 2015
Sell 157 K USD
Brager David A.
EVP Sales Division Manager
- 10000
15.7197 USD
9 years ago
Feb 13, 2015
Sell 872 K USD
Myers Christopher D
President & CEO
- 55000
15.8493 USD
9 years ago
Feb 12, 2015
Sell 72.7 K USD
Myers Christopher D
President & CEO
- 4600
15.8 USD
9 years ago
Feb 06, 2015
Sell 484 K USD
Myers Christopher D
President & CEO
- 30400
15.9062 USD
9 years ago
Feb 05, 2015
Sell 154 K USD
Brager David A.
EVP Sales Division Manager
- 10000
15.378 USD
9 years ago
Dec 08, 2014
Sell 44 K USD
Brager David A.
EVP Sales Division Manager
- 2750
15.992 USD
9 years ago
Dec 08, 2014
Sell 79.8 K USD
Jacoby Robert
Director
- 5000
15.97 USD
10 years ago
Jun 10, 2014
Sell 78 K USD
Brager David A.
EVP Sales Division Manager
- 5000
15.606 USD
10 years ago
Jun 10, 2014
Sell 388 K USD
Jacoby Robert
Director
- 25000
15.5351 USD
10 years ago
May 28, 2014
Sell 32.3 K USD
Brager David A.
EVP Sales Division Manager
- 2200
14.6849 USD
10 years ago
May 19, 2014
Sell 31.1 K USD
Brager David A.
EVP Sales Division Manager
- 2150
14.445 USD
10 years ago
Mar 13, 2014
Sell 1.09 M USD
Borba George A Jr
Director
- 68501
15.84 USD
10 years ago
Mar 10, 2014
Sell 4.02 M USD
Borba George A Jr
Director
- 250000
16.091 USD
10 years ago
Mar 11, 2014
Sell 4 M USD
Borba George A Jr
Director
- 250000
16.0061 USD
10 years ago
Mar 12, 2014
Sell 1.06 M USD
Borba George A Jr
Director
- 66395
16.006 USD
10 years ago
Mar 06, 2014
Sell 341 K USD
WILEY D LINN
Director
- 21127
16.14 USD
10 years ago
Mar 06, 2014
Bought 304 K USD
WILEY D LINN
Director
+ 25000
12.15 USD
10 years ago
Mar 05, 2014
Sell 39.8 K USD
Brager David A.
EVP Sales Division Manager
- 2500
15.94 USD
10 years ago
Mar 05, 2014
Sell 802 K USD
Myers Christopher D
President & CEO
- 50000
16.0421 USD
10 years ago
Mar 04, 2014
Sell 657 K USD
VACCARO SAN
Director
- 42969
15.2801 USD
10 years ago
Feb 26, 2014
Sell 459 K USD
WILEY D LINN
Director
- 30000
15.29 USD
10 years ago
Feb 27, 2014
Sell 415 K USD
WILEY D LINN
Director
- 27000
15.37 USD
10 years ago
Feb 26, 2014
Sell 654 K USD
KRUSE RONALD O
Director
- 42969
15.22 USD
10 years ago
Feb 24, 2014
Sell 16.9 K USD
Brager David A.
EVP Sales Division Manager
- 1100
15.384 USD
10 years ago
Feb 24, 2014
Sell 223 K USD
Myers Christopher D
President & CEO
- 15000
14.8433 USD
10 years ago
Feb 24, 2014
Sell 524 K USD
Myers Christopher D
President & CEO
- 35000
14.9714 USD
7. News
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 - 3 weeks ago
CVB Financial (CVBF) Tops Q3 Earnings Estimates CVB Financial (CVBF) came out with quarterly earnings of $0.37 per share, beating the Zacks Consensus Estimate of $0.35 per share. This compares to earnings of $0.42 per share a year ago. zacks.com - 3 weeks ago
CVB Financial Corp. Reports Earnings for the Third Quarter 2024 Third Quarter 2024 Net Earnings of $51 million, or $0.37 per share Return on Average Assets of 1.23% Return on Average Tangible Common Equity of 14.93% Net Interest Margin of 3.05% Ontario, CA, Oct. 23, 2024 (GLOBE NEWSWIRE) -- CVB Financial Corp. (NASDAQ:CVBF) and its subsidiary, Citizens Business Bank (the “Company”), announced earnings for the quarter ended September 30, 2024. CVB Financial Corp. reported net income of $51.2 million for the quarter ended September 30, 2024, compared with $50.0 million for the second quarter of 2024 and $57.9 million for the third quarter of 2023. globenewswire.com - 3 weeks ago
CVB Financial (CVBF) Q3 Earnings on the Horizon: Analysts' Insights on Key Performance Measures Evaluate the expected performance of CVB Financial (CVBF) for the quarter ended September 2024, looking beyond the conventional Wall Street top-and-bottom-line estimates and examining some of its key metrics for better insight. zacks.com - 3 weeks ago
Earnings Preview: CVB Financial (CVBF) Q3 Earnings Expected to Decline CVB Financial (CVBF) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 1 month ago
CVB Financial Corp (CVBF) Shares Up 4.37% on Oct 2 Shares of CVB Financial Corp (CVBF, Financial) surged 4.37% in mid-day trading on Oct 2. The stock reached an intraday high of $18.22, before settling at $18.15, up from its previous close of $17.39. gurufocus.com - 1 month ago
This Salesforce Analyst Turns Bullish; Here Are Top 5 Upgrades For Wednesday Top Wall Street analysts changed their outlook on these top names. For a complete view of all analyst rating changes, including upgrades and downgrades, please see our analyst ratings page. benzinga.com - 1 month ago
CVB Financial Corp. Announces 140th Consecutive Quarterly Cash Dividend ONTARIO, CA, Sept. 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 third quarter of 2024. This dividend was approved at the Company's regularly scheduled Board of Directors meeting held on September 16, 2024. The quarterly dividend will be payable on or about October 14, 2024 to shareholders of record as of September 30, 2024. globenewswire.com - 2 months ago
CVB Financial Corp. (CVBF) Q2 2024 Earnings Call Transcript CVB Financial Corp. (NASDAQ:CVBF ) Q2 2024 Earnings Conference Call July 25, 2024 10:30 AM ET Company Participants David A. Brager - President and Chief Executive Officer Allen Nicholson - Executive Vice President and Chief Financial Officer Conference Call Participants Matthew Clark - Piper Sandler Andrew Terrell - Stephens Kelly Motta - KBW Ahmad Hasan - D. seekingalpha.com - 3 months ago
Compared to Estimates, CVB Financial (CVBF) Q2 Earnings: A Look at Key Metrics Although the revenue and EPS for CVB Financial (CVBF) give a sense of how its business performed in the quarter ended June 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 3 months ago
CVB Financial (CVBF) Q2 Earnings Surpass Estimates CVB Financial (CVBF) came out with quarterly earnings of $0.36 per share, beating the Zacks Consensus Estimate of $0.35 per share. This compares to earnings of $0.40 per share a year ago. zacks.com - 3 months ago
Analysts Estimate CVB Financial (CVBF) to Report a Decline in Earnings: What to Look Out for CVB Financial (CVBF) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 4 months ago
8. Profile Summary

CVB Financial Corp. CVBF

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 3.15 B
Dividend Yield 1.13%
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 1107
Officers Mr. David F. Farnsworth Executive Vice President & Chief Credit Officer of Citizens Business Bank Mr. Hector G. Gutierrez Esq. Executive Vice President & Deputy Chief Credit Officer of Citizens Business Bank Mr. Michael D. Stain Senior Vice President of Central Valley Region - Citizens Business Bank Mr. Michael K. Currie Senior Vice President & Chief Information Officer Mr. David A. Brager President, Chief Executive Officer & Director Mr. G. Larry Zivelonghi Executive Vice President and Dairy & Livestock Industries Group Manager - Citizens Business Bank Mr. Robert Daniel Banis Executive Vice President & Head of CitizensTrust of Citizens Business Bank Mr. David C. Harvey Executive Vice President & Chief Operating Officer of Citizens Business Bank Ms. Francene LaPoint CPA Senior Vice President & Chief Accounting Officer Ms. Yamynn DeAngelis Executive Vice President & Chief Risk Officer