CVB Financial (CVBF) 주식 개요
는 중소기업과 개인에게 은행 및 금융 서비스를 제공하는 국영 은행인 Citizens Business Bank, National Association의 은행 지주회사로 운영되고 있습니다. 자세히 보기
CVBF Community Fair Values
Create NarrativeSee what 13 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
CVB Financial Corp. 경쟁사
가격 이력 및 성과
| 과거 주가 | |
|---|---|
| 현재 주가 | US$19.54 |
| 52주 최고가 | US$21.48 |
| 52주 최저가 | US$17.95 |
| 베타 | 0.67 |
| 1개월 변동 | -3.79% |
| 3개월 변동 | -4.91% |
| 1년 변동 | -1.21% |
| 3년 변동 | 69.77% |
| 5년 변동 | -14.37% |
| IPO 이후 변동 | 12,258.09% |
최근 뉴스 및 업데이트
Recent updates
내러티브 업데이트 • Apr 26
CVBF: Heritage Commerce Merger And Buybacks Will Support Future Earnings Repricing
Analysts lifted their fair value estimate for CVB Financial's shares to $23.80 from $23.50, citing updated assumptions for revenue growth, profit margins, the discount rate, and the future P/E multiple that they view as better reflecting the company's current outlook. Analyst Commentary Recent research commentary around the US$23.80 fair value estimate for CVB Financial points to a mix of supportive and cautious views.내러티브 업데이트 • Jan 27
CVBF: Heritage Commerce Deal And Buybacks Will Reshape Future Earnings Profile
Narrative Update on CVB Financial Analysts have lifted their price target on CVB Financial by $0.70 to $23.50, citing updated assumptions for revenue growth of 24.08%, a profit margin of 41.14% and a future P/E of 8.74. They also note support from recent Street research, including a higher target at Keefe Bruyette and positive views on the Heritage Commerce acquisition.분석 기사 • Dec 19
CVB Financial (NASDAQ:CVBF) Will Pay A Dividend Of $0.20
The board of CVB Financial Corp. ( NASDAQ:CVBF ) has announced that it will pay a dividend of $0.20 per share on the...Seeking Alpha • Oct 29
CVB Financial: Earnings Outlook Remains Stable, Maintaining A Buy Rating
Summary The factors that will buoy loan growth are: strong pipelines, anticipation of CRE price decline, and team expansion. The margin will likely remain stable. It is barely sensitive to rate changes. I’m expecting earnings to be largely stable. I’m maintaining a buy rating based on a price upside of 8.2% and dividend yield of 4.2%. Read the full article on Seeking Alpha분석 기사 • Sep 21
CVB Financial (NASDAQ:CVBF) Will Pay A Dividend Of $0.20
CVB Financial Corp. ( NASDAQ:CVBF ) will pay a dividend of $0.20 on the 16th of October. This makes the dividend yield...분석 기사 • Jun 29
CVB Financial (NASDAQ:CVBF) Has Announced A Dividend Of $0.20
CVB Financial Corp. ( NASDAQ:CVBF ) has announced that it will pay a dividend of $0.20 per share on the 24th of July...분석 기사 • Dec 21
CVB Financial (NASDAQ:CVBF) Has Announced A Dividend Of $0.20
The board of CVB Financial Corp. ( NASDAQ:CVBF ) has announced that it will pay a dividend of $0.20 per share on the...
새로운 내러티브 • Sep 24
Enduring Dividends And Operational Efficiency Clashes With Looming Revenue And Profit Challenges
Strategic reductions in noninterest expenses and efficient capital management indicate improved operational efficiency and future earnings enhancement.분석 기사 • Sep 20
CVB Financial (NASDAQ:CVBF) Has Announced A Dividend Of $0.20
CVB Financial Corp.'s ( NASDAQ:CVBF ) investors are due to receive a payment of $0.20 per share on 14th of October. The...분석 기사 • Jul 01
CVB Financial (NASDAQ:CVBF) Has Announced A Dividend Of $0.20
The board of CVB Financial Corp. ( NASDAQ:CVBF ) has announced that it will pay a dividend of $0.20 per share on the...Seeking Alpha • Jun 07
CVB Financial: Attractively Valued, But Earnings Likely To Dip
Summary The upcoming falling interest-rate environment will likely squeeze the margin. I’m expecting earnings to fall by 12% to $1.39 per share. The year-end target price suggests an upside of around 12.7%. CVBF is offering a good dividend yield of 4.8%. Read the full article on Seeking AlphaSeeking Alpha • Mar 15
CVB Financial: Navigating Through A Tough CRE Backdrop
Summary CVB Financial Corp. has seen a 25% decline in its shares since December 2023 due to concerns about the regional bank sector. Despite this, CVB Financial had its second most profitable year in 2023 and has been consistently profitable since 1977. The bank has a conservative approach, targeting privately held businesses in California, but its high exposure to commercial real estate is a concern. With low valuations, a nearly five percent dividend yield, and recent insider buying; the stock merited further investigation. A full investment analysis of CVB Financial follows in the paragraphs below. Read the full article on Seeking Alpha분석 기사 • Jan 27
CVB Financial Corp. (NASDAQ:CVBF) Yearly Results: Here's What Analysts Are Forecasting For This Year
Last week, you might have seen that CVB Financial Corp. ( NASDAQ:CVBF ) released its full-year result to the market...분석 기사 • Sep 24
CVB Financial's (NASDAQ:CVBF) Dividend Will Be $0.20
The board of CVB Financial Corp. ( NASDAQ:CVBF ) has announced that it will pay a dividend of $0.20 per share on the...Seeking Alpha • Oct 19
CVB Financial GAAP EPS of $0.46 beats by $0.02, revenue of $144.93M beats by $1.63M
CVB Financial press release (NASDAQ:CVBF): Q3 GAAP EPS of $0.46 beats by $0.02. Revenue of $144.93M (+27.4% Y/Y) beats by $1.63M.Seeking Alpha • Oct 08
CVB Financial: Prospects Of Strong Earnings Growth Appear Priced In
Summary Mostly thanks to very sticky deposit costs, the margin will significantly expand as market interest rates rise. Loan growth will likely dip from the second quarter’s level. However, California’s economic activity will likely keep it at a decent level. The December 2022 target price suggests a sizable downside from the current market price. Further, CVBF is offering a decent dividend yield. Earnings of CVB Financial Corp. (CVBF) will significantly benefit from rising interest rates as the deposit cost is highly sticky. Further, California’s economic activity will likely sustain loan growth, which will provide some support to the bottom line. Overall, I'm expecting CVB Financial to report earnings of $1.58 per share for 2022, up 1% year-over-year. For 2023, I'm expecting earnings to surge by 23% to $1.93 per share. The year-end target price suggests a sizable downside from the current market price. Based on the total expected return, I'm adopting a hold rating on CVB Financial. Deposit Costs to Remain Unaffected by Rising Interest Rates CVB Financial Corp’s deposit cost is very sticky because the deposit book is heavy on non-interest-bearing deposits. These deposits made up a massive 63% of total deposits at the end of June 2022. It is therefore no surprise that the deposit costs increased by only one basis point during the second quarter of the year as the federal funds rate increased by 125 basis points. During the last rate up-cycle as well the deposit costs remained quite sticky. The management mentioned in the latest conference call that the cost of funds increased by only eight basis points during the last rate cycle when short-term rates grew by 225 basis points. Meanwhile, loans will take some time to reprice due to the presence of some fixed-rate loans. The results of the management's interest-rate sensitivity analysis given in the 10-Q filing show that a 200-basis points hike in interest rates can boost the net interest income by 5.46% during the first year, and 9.93% during the first two years of the rate hike. 2Q 2022 10-Q Filing Considering these factors, I'm expecting the margin to grow by 25 basis points in the second half of 2022 and 30 basis points in 2023. California’s Economy to Play a Key Role in Loan Growth CVB Financial Corp’s loan portfolio grew by 1.1% during the second quarter of 2022, taking the first half’s loan growth to 10.1%. The growth in the first half of the year was mostly attributable to the acquisition of Suncrest Bank. The company has historically relied on acquisitions for growth. These acquisitions include not just whole banks but also banking teams. Apart from acquired growth, CVB Financial Corp’s loan growth has remained lackluster. I'm expecting organic growth to continue to remain low in future quarters. High borrowing costs will further hurt the loan growth outlook. On the other hand, strong economic activity bodes well for credit demand in CVB Financial Corp’s markets. The company has locations all over California, with a majority clustered in Los Angeles. As shown below, the trend line for California’s coincident economic activity index is now steeper than before the pandemic. Federal Reserve Bank of Philadelphia A rising tide can lift all boats. Therefore, I believe California’s rapidly improving economic activity can sustain CVB Financial Corp’s loan growth even though the management has historically not been too successful in achieving organic growth. Overall, I'm expecting loan growth to dip from the second quarter’s level to 0.75% every quarter till the end of 2023. Expecting Earnings to be Flattish this Year Before Surging Next Year The anticipated margin expansion will be the chief driver of earnings in the next year and a half. Subdued loan growth will likely provide further support to the bottom line. On the other hand, the provisioning will likely be a bit high as it was unusually elevated during the first half of the year. Non-performing loans were 0.21% while allowances were 0.92% of total loans at the end of June 2022. As a result, I’m satisfied with the existing reserves relative to the portfolio's credit risk. Further, the management uses the GDP, unemployment rate, and commercial real estate price in the index to determine its provisioning for expected loan losses, as mentioned in the latest earnings presentation. As the market's view on GDP and unemployment rate hasn't changed much over this quarter, I'm not expecting these economic variables to significantly push up provisions. Instead, I'm expecting loan additions to be the primary driver of provisioning through the end of 2023. Overall, I'm expecting the provisioning to decline from the second quarter’s level but remain at an above-average level. Considering these factors, I'm expecting CVB Financial Corp. to report earnings of $1.58 per share for 2022, up by just 1% year-over-year. For 2023, I’m expecting earnings to grow by 23% to $1.93 per share. The following table shows my income statement estimates. FY18 FY19 FY20 FY21 FY22E FY23E Income Statement Net interest income 349 436 416 415 493 575 Provision for loan losses 2 5 24 (26) 11 10 Non-interest income 43 59 50 47 51 51 Non-interest expense 180 199 193 190 222 232 Net income - Common Sh. 152 207 177 212 223 271 EPS - Diluted ($) 1.24 1.48 1.30 1.56 1.58 1.93 Source: SEC Filings, Earnings Releases, Author's Estimates (In USD million unless otherwise specified) Actual earnings may differ materially from estimates because of the risks and uncertainties related to inflation, and consequently the timing and magnitude of interest rate hikes. Further, a stronger or longer-than-anticipated recession can increase the provisioning for expected loan losses beyond my estimates. Equity Book Value to Suffer from High Interest Rates CVB Financial has a large balance of available-for-sale (“AFS”) securities, which made up 24% of total earning assets at the end of June 2022. As interest rates increase, the market value of AFS fixed-rate securities will fall leading to unrealized losses. These losses will skip the income statement and flow directly to the equity book value account. As a result of accumulated unrealized losses in the first half of the year, the tangible book value per share has already fallen from $10.3 at the end of December 2021 to $8.5 at the end of June 2022. Further erosion is likely in the coming quarters as the Federal Reserve is projecting a further 125 to 150 basis points hike in the fed funds rate till the end of 2023. On the other hand, retained earnings will lift the equity book value. The following table shows my balance sheet estimates.분석 기사 • Sep 25
CVB Financial (NASDAQ:CVBF) Is Increasing Its Dividend To $0.20
The board of CVB Financial Corp. ( NASDAQ:CVBF ) has announced that it will be paying its dividend of $0.20 on the 20th...Seeking Alpha • Sep 21
CVB Financial raises dividend 5.3% to $0.20/share
CVB Financial (NASDAQ:CVBF) declares $0.20/share quarterly dividend, 5.3% increase from prior dividend of $0.19. Forward yield 2.97% Payable Oct. 20; for shareholders of record Oct. 5; ex-div Oct. 4. See CVBF Dividend Scorecard, Yield Chart, & Dividend Growth.주주 수익률
| CVBF | US Banks | US 시장 | |
|---|---|---|---|
| 7D | -3.9% | -2.9% | -0.9% |
| 1Y | -1.2% | 14.1% | 24.4% |
수익률 대 산업: CVBF은 지난 1년 동안 14.1%의 수익을 기록한 US Banks 산업보다 저조한 성과를 냈습니다.
수익률 대 시장: CVBF은 지난 1년 동안 24.4%를 기록한 US 시장보다 저조한 성과를 냈습니다.
주가 변동성
| CVBF volatility | |
|---|---|
| CVBF Average Weekly Movement | 3.3% |
| Banks Industry Average Movement | 3.5% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.2% |
| 10% least volatile stocks in US Market | 3.1% |
안정적인 주가: CVBF는 지난 3개월 동안 US 시장에 비해 주가 변동성이 크지 않았습니다.
시간에 따른 변동성: CVBF의 주간 변동성(3%)은 지난 1년 동안 안정적이었습니다.
회사 소개
| 설립 | 직원 수 | CEO | 웹사이트 |
|---|---|---|---|
| 1974 | 1,079 | Dave Brager | www.cbbank.com |
는 중소기업과 개인에게 은행 및 금융 서비스를 제공하는 주정부 공인 은행인 Citizens Business Bank, National Association의 은행 지주회사로 운영되고 있습니다. 이 회사는 기업 및 개인 계좌, 지방 자치 단체 및 지구를 위한 당좌 예금, 저축 예금, 머니 마켓 및 정기 예금 상품과 소유권 및 에스크로를 위한 특수 예금 상품을 제공하며, 기업 고객을 위한 연방 세금 보관소 역할도 합니다. 또한 신용 한도 및 기타 운전자금 대출, 매출채권 대출, 신용장 등으로 구성된 상업 대출 상품, 도매 낙농장 운영, 가축 사료 공급업체, 가축 사육자, 농가의 운영 자금을 지원하는 농업 대출, 지방 정부를 위한 임대 금융 서비스, 상업용 부동산 및 건설 대출, 자동차 리스 및 금융, 신용 한도, 신용카드, 주택담보대출, 주택 담보 대출 등 소비자 금융 상품, 장비 및 차량 리스 서비스도 제공합니다.
CVB Financial Corp. 기초 지표 요약
| CVBF 기초 통계 | |
|---|---|
| 시가총액 | US$3.49b |
| 순이익 (TTM) | US$207.79m |
| 매출 (TTM) | US$519.40m |
16.6x
주가수익비율(P/E)1.5x
주가순자산비율(P/B)CVBF는 고평가되어 있습니까?
공정 가치 및 평가 분석 보기순이익 및 매출
| CVBF 손익계산서 (TTM) | |
|---|---|
| 매출 | US$519.40m |
| 매출원가 | US$0 |
| 총이익 | US$519.40m |
| 기타 비용 | US$311.62m |
| 순이익 | US$207.79m |
최근 보고된 실적
Mar 31, 2026
다음 실적 발표일
해당 없음
| 주당순이익(EPS) | 1.18 |
| 총이익률 | 100.00% |
| 순이익률 | 40.00% |
| 부채/자본 비율 | 43.1% |
CVBF의 장기 실적은 어땠습니까?
과거 실적 및 비교 보기배당
4.1%
현재 배당 수익률52%
배당 성향기업 분석 및 재무 데이터 상태
| 데이터 | 최종 업데이트 (UTC 시간) |
|---|---|
| 기업 분석 | 2026/05/15 06:24 |
| 종가 | 2026/05/15 00:00 |
| 수익 | 2026/03/31 |
| 연간 수익 | 2025/12/31 |
데이터 소스
당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.
| 패키지 | 데이터 | 기간 | 미국 소스 예시 * |
|---|---|---|---|
| 기업 재무제표 | 10년 |
| |
| 분석가 컨센서스 추정치 | +3년 |
|
|
| 시장 가격 | 30년 |
| |
| 지분 구조 | 10년 |
| |
| 경영진 | 10년 |
| |
| 주요 개발 | 10년 |
|
* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.
별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.
분석 모델 및 스노우플레이크
이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.
Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.
산업 및 섹터 지표
산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.
분석가 소스
CVB Financial Corp.는 16명의 분석가가 다루고 있습니다. 이 중 5명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.
| 분석가 | 기관 |
|---|---|
| Joseph Gladue | B. Riley Securities, Inc. |
| Michael Diana | Cantor Fitzgerald & Co. |
| Jeannette Daroosh | Citizens JMP Securities, LLC |