Is CVB Financial Corp. (CVBF) Overvalued?
We dive into why CVB Financial Corp. (CVBF) could be considered overvalued on 2026-07-30, based on AAII’s Value Score and Grade.Tudor Pop
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COMPANY SUMMARY
CVB Financial Corp. operates as bank holding company for Citizens Business Bank, National Association, a state-chartered bank that provides banking and financial services to small to mid-sized businesses and individuals. The company offers checking, savings, money market, and certificates of time deposit products for business and personal accounts, municipalities and districts, and specialized deposit products for title and escrow; and serves as a federal tax depository for business customers. It 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; consumer financing products, including automobile leasing and financing, lines of credit, credit cards, home mortgages, and home equity loans; and equipment and vehicle leasing services. In addition, the company offers various specialized services, such as treasury management systems for monitoring and managing cash flow, a 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; and foreign exchange and letters of credit services. Further, it provides financial and trust services, such as fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. CVB Financial Corp. was founded in 1974 and is headquartered in Ontario, California.
Commentary & Analysis
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What You Need to Know About CVB Financial Corp.'s Q3 Earnings
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Which Is a Better Investment, CVB Financial Corp. or Live Oak Bancshares, Inc. Stock?
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Which Is a Better Investment, CVB Financial Corp. or National Bank Holdings Corporation Stock?
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Financial Summary
| Share Statistics | CVBF | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $3,942.6 | $716.9 | 64% |
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| Shares Out (Mil) | 134.9 | 15.7 | 69% |
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| Institutional Ownership | 92.5% | 83.0% | 62% |
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| Float (Mil) | 167.0 | 21.2 | 71% |
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| Beta | 0.65 | 0.48 | 38% |
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| Avg Daily Volume (000s) | 1,621 | 53 | 79% |
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| Price Change (52-week) |
19.1% | 96.7% | 61% |
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| Growth | CVBF | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 3.4% | 7.6% | 29% |
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| Net Income (5yr) | 3.4% | 11.1% | 44% |
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| EPS (5yr) | 3.2% | 10.1% | 35 |
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| Dividends (5yr) | 2.1% | 3.6% | 75% |
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| Cash Flow (5yr) | (37.3%) | (17.0%) | 13% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 6 | 6 | 6 | |
| Current EPS | $0.447 | $1.738 | $1.983 | |
| Month Ago EPS | $0.428 | $1.670 | $1.888 | |
| # Rev Up | 0 | 0 | 1 | |
| # Rev Down | 2 | 2 | 0 | |
| Three Months Ago EPS | $0.428 | $1.668 | $1.884 | |
| Year/Year Chg | 18.9% | 14.3% | na | |
| Financials | CVBF | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $519 | $190 | 42% |
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| Net Income (TTM) (Mil) | $209 | $51 | 69% |
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| EPS (TTM) | $1.531 | $2.500 | 67% |
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| Operating Cash Flow (TTM) (Mil) | $242 | $34 | 61% |
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| Net Cash Flow (TTM) (Mil) | ($77) | $1 | 16% |
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| Long-Term Debt (Q1) (Mil) | $239 | $100 | 52% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | CVBF | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.31 | 1.27 | 34% |
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| P/E | 14.6 | 12.9 | 34% |
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| Dividend Yield | 3.6% | 2.2% | 88% |
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| PEG (5yr hist) | 4.6 | 1.1 | 86% |
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| Ratios | CVBF | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 36.1% | 28.9% | 93% |
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| ROA | 1.4% | 1.0% | 51% |
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| ROE | 9.2% | 11.1% | 55% |
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| Liabilities to Assets | 85.0% | 89.8% | 79% |
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| F-Score | 6 | 4 | 69% |
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CVB Financial Corp. did not pass any screens on 7/31/2026.
