CVB Financial Corp. operates as a bank holding company for Citizens Business Bank that provides banking and financial services. More Details
Flawless balance sheet established dividend payer.
Share Price & News
How has CVB Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: CVBF is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 7% a week.
Volatility Over Time: CVBF's weekly volatility (7%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: CVBF exceeded the US Banks industry which returned -7.3% over the past year.
Return vs Market: CVBF underperformed the US Market which returned 19.5% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is CVB Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
3 weeks ago | Simply Wall StOnly Four Days Left To Cash In On CVB Financial's (NASDAQ:CVBF) Dividend
1 month ago | Simply Wall StWhat You Need To Know About CVB Financial Corp.'s (NASDAQ:CVBF) Investor Composition
Is CVB Financial undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: CVBF ($21.11) is trading below our estimate of fair value ($25.92)
Significantly Below Fair Value: CVBF is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: CVBF is poor value based on its PE Ratio (16.3x) compared to the US Banks industry average (12.3x).
PE vs Market: CVBF is good value based on its PE Ratio (16.3x) compared to the US market (21x).
Price to Earnings Growth Ratio
PEG Ratio: CVBF's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: CVBF is overvalued based on its PB Ratio (1.4x) compared to the US Banks industry average (1x).
How is CVB Financial forecast to perform in the next 1 to 3 years based on estimates from 7 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CVBF's earnings are forecast to decline over the next 3 years (-0.2% per year).
Earnings vs Market: CVBF's earnings are forecast to decline over the next 3 years (-0.2% per year).
High Growth Earnings: CVBF's earnings are forecast to decline over the next 3 years.
Revenue vs Market: CVBF's revenue is expected to decline over the next 3 years (-0.5% per year).
High Growth Revenue: CVBF's revenue is forecast to decline over the next 3 years (-0.5% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: CVBF's Return on Equity is forecast to be low in 3 years time (9.3%).
How has CVB Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CVBF has high quality earnings.
Growing Profit Margin: CVBF's current net profit margins (40.2%) are lower than last year (41.1%).
Past Earnings Growth Analysis
Earnings Trend: CVBF's earnings have grown by 16.8% per year over the past 5 years.
Accelerating Growth: CVBF's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CVBF had negative earnings growth (-10.7%) over the past year, making it difficult to compare to the Banks industry average (-4.4%).
Return on Equity
High ROE: CVBF's Return on Equity (9%) is considered low.
How is CVB Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: CVBF's Assets to Equity ratio (7x) is low.
Allowance for Bad Loans: CVBF has a sufficient allowance for bad loans (797%).
Low Risk Liabilities: 94% of CVBF's liabilities are made up of primarily low risk sources of funding.
Loan Level: CVBF has an appropriate level of Loans to Assets ratio (60%).
Low Risk Deposits: CVBF's Loans to Deposits ratio (74%) is appropriate.
Level of Bad Loans: CVBF has an appropriate level of bad loans (0.1%).
What is CVB Financial current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CVBF's dividend (3.41%) is higher than the bottom 25% of dividend payers in the US market (1.39%).
High Dividend: CVBF's dividend (3.41%) is low compared to the top 25% of dividend payers in the US market (3.85%).
Stability and Growth of Payments
Stable Dividend: CVBF's dividends per share have been stable in the past 10 years.
Growing Dividend: CVBF's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (55.5%), CVBF's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: CVBF's dividends in 3 years are forecast to be covered by earnings (56.4% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Dave Brager (52 yo)
Mr. David A. Brager also known as Dave, is Chief Executive Office and Director at CVB Financial Corp. and Citizens Business Bank (the “Bank”) since March 16, 2020 and served as its Executive Vice President...
CEO Compensation Analysis
Compensation vs Market: Dave's total compensation ($USD676.89K) is below average for companies of similar size in the US market ($USD5.00M).
Compensation vs Earnings: Dave's compensation has been consistent with company performance over the past year.
|CEO & Director||0.83yr||US$676.89k||0.059% |
|Executive VP & COO of Citizens Business Bank||11.08yrs||US$690.21k||0.053% |
|Executive VP & Chief Credit Officer of Citizens Business Bank||4.5yrs||US$511.69k||0.017% |
|Chief Financial Officer||4.67yrs||US$645.93k||0.044% |
|Executive VP||9.25yrs||no data||0.011% |
|Executive VP & Chief Risk Officer||12yrs||no data||0.061% |
|Senior VP & Real Estate Banking Group Manager of Citizens Business Bank||no data||no data||no data|
|Executive VP & Banking Division Manager of Citizens Business Bank||14.42yrs||no data||no data|
|Senior VP & Director of Human Resources - Citizens Business Bank||2.5yrs||no data||no data|
|Senior VP & Chief Audit Executive||0.083yr||no data||no data|
|Senior VP & Sales Support Group Manager of Citizens Business Bank||0.083yr||no data||no data|
|Senior VP & Specialty Lending Group Manager of Citizens Business Bank||0.083yr||no data||no data|
Experienced Management: CVBF's management team is considered experienced (4.5 years average tenure).
|CEO & Director||0.83yr||US$676.89k||0.059% |
|Independent Director||3.5yrs||US$144.44k||0.015% |
|Independent Director||2.42yrs||US$144.44k||0.019% |
|Independent Chairman of the Board||6yrs||US$227.44k||0.027% |
|Independent Director||5.42yrs||US$156.94k||0.018% |
|Independent Director||7yrs||US$144.44k||0.026% |
|Independent Vice Chairman of the Board||6.83yrs||US$184.44k||5.1% |
|Independent Director||8.25yrs||US$146.94k||0.023% |
|Independent Director||4.5yrs||US$144.44k||0.018% |
Experienced Board: CVBF's board of directors are considered experienced (5.4 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
CVB Financial Corp.'s company bio, employee growth, exchange listings and data sources
- Name: CVB Financial Corp.
- Ticker: CVBF
- Exchange: NasdaqGS
- Founded: 1974
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$2.912b
- Shares outstanding: 135.51m
- Website: https://www.cbbank.com
- CVB Financial Corp.
- 701 North Haven Avenue
- Suite 350
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|CVBF||NasdaqGS (Nasdaq Global Select)||Yes||Common Stock||US||USD||Mar 1983|
|BCV||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Mar 1983|
CVB Financial Corp. operates as a bank holding company for Citizens Business Bank that provides banking and financial services. The company offers checking, savings, money market, and time certificates of ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/01/19 23:48|
|End of Day Share Price||2021/01/19 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.