NASDAQ
CVBF
Last Price
US $23.16
KEY FIGURES
MKT CAP
$3.3B
EPS
TTM
$1.50
EPS Growth (1Y)
5.56%
PEG
TTM
4.85x
P/E
TTM
15.40x
P/S
TTM
4.51x
YIELD
3.45%
GROWTH (5Y CAGR)
Profit margin
Current Ratio
Capital Returns
8.22%
Return on equity
ROIC: 4.23%
Valuation History
15.4X
Price to Earnings
EV/EBITDA: 11.4X
Cash flow
Profit margin
Revenue
6.10%
EBITDA
3.60%
Cash flow
3.79%
Cash Flow (DCF)
Fair Value
Market $23.16
-33.03%
Default assumptions
EBITDA Multiple
Fair Value
Market $23.16
-65.37%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Cash flow to debt coverage
CVB Financial Corp. cash flow to debt ratio of 22.35% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Free cash flow growth
CVB Financial Corp.'s free cash flow has decreased 11.15% from $244.63M last year to $217.34M, signaling decreasing performance
Debt-to-equity ratio
CVB Financial Corp.'s debt to equity ratio is 0.35, which means that the company's assets are healthy financed, signaling financial stability.
Debt-to-equity trend
CVB Financial Corp.'s debt has increased relative to shareholder equity from 0.35 last year to 0.35 today, signaling weakened financials
Net debt to EBITDA
CVB Financial Corp. has a net debt to EBITDA ratio of 2.98x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Interest coverage
CVB Financial Corp. earns at least as much interest as it pays. Interest obligations are fully covered.
Profit margin growth
CVB Financial Corp.'s profit margin has decreased (3.82%) in the last year from 30.47% to 29.31%, signaling decreasing performance
Current ratio
CVB Financial Corp.'s short-term liabilities of $11.99B exceed its short-term assets of $154.23M, signaling financial risk
Return on assets
CVB Financial Corp.'s return on assets of 0.98% is lower than the 5.00% threshold, indicating inefficient asset utilization
Return on equity
CVB Financial Corp.'s return on equity of 8.22%, is lower than 15.00%, indicating bad performance
Earnings quality
CVB Financial Corp.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Earnings stability
CVB Financial Corp. had positive net income in 5 out of 5 years, indicating stable and consistent earnings
Positive free cash flow
CVB Financial Corp. has positive free cash flow, indicating the company generates cash after capital expenditures
Free cash flow yield
CVB Financial Corp. has a free cash flow yield of 6.72%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Earnings growth
CVB Financial Corp.'s yearly earnings has increased 4.28% since last year from $200.72M to $209.30M, signaling increasing performance
Revenue growth
CVB Financial Corp.'s yearly revenue has decreased 7.64% since last year from $658.69M to $608.35M, signaling decreasing performance
Return on invested capital
ROIC 4.23% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
3-year revenue CAGR
CVB Financial Corp.'s 3-year revenue CAGR of 4.61% is positive, indicating growing revenue over the past 3 years
Revenue consistency
CVB Financial Corp. had revenue growth in only 2 out of 5 years, indicating inconsistent revenue performance
Return on equity consistency
CVB Financial Corp. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity
Cash Flow Valuation (DCF)
CVB Financial Corp. is overvalued relative to its fair value price of 15.51 based on Discounted Cash Flow model
Earnings yield (TTM)
CVB Financial Corp. has an earnings yield of 6.67%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
EBITDA Valuation
CVB Financial Corp. is overvalued relative to its fair value price of 8.02 based on EBITDA multiple model
EV/EBITDA (FY)
CVB Financial Corp. has an EV/EBITDA ratio of 13.89x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
PEG ratio (TTM/FY)
CVB Financial Corp. has a PEG-ratio over 1 which is considered overvalued
Price-to-book ratio (FY)
CVB Financial Corp. has a price-to-book ratio of 0.98x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Price-to-sales ratio (TTM)
CVB Financial Corp. has a price-to-sales ratio of 4.40x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue