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CVBF logo CVBF
Upturn stock ratingUpturn stock rating
CVBF logo

CVB Financial Corporation (CVBF)

Upturn stock ratingUpturn stock rating
$19.79
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/30/2025: CVBF (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

6 Analysts rated it

Moderately tracked stock, growing coverage, gaining market and investor attention.

1 Year Target Price $22.2

1 Year Target Price $22.2

Analysts Price Target For last 52 week
$22.2Target price
Low$15.58
Current$19.79
high$24.08

Analysis of Past Performance

Type Stock
Historic Profit 21.99%
Avg. Invested days 35
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 2.71B USD
Price to earnings Ratio 13.57
1Y Target Price 22.2
Price to earnings Ratio 13.57
1Y Target Price 22.2
Volume (30-day avg) 6
Beta 0.68
52 Weeks Range 15.58 - 24.08
Updated Date 06/29/2025
52 Weeks Range 15.58 - 24.08
Updated Date 06/29/2025
Dividends yield (FY) 4.07%
Basic EPS (TTM) 1.45

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 40.09%
Operating Margin (TTM) 54.93%

Management Effectiveness

Return on Assets (TTM) 1.28%
Return on Equity (TTM) 9.42%

Valuation

Trailing PE 13.57
Forward PE 11.53
Enterprise Value 3006803712
Price to Sales(TTM) 5.35
Enterprise Value 3006803712
Price to Sales(TTM) 5.35
Enterprise Value to Revenue 6.74
Enterprise Value to EBITDA -
Shares Outstanding 137804992
Shares Floating 129179414
Shares Outstanding 137804992
Shares Floating 129179414
Percent Insiders 6.11
Percent Institutions 78.12

Analyst Ratings

Rating 3
Target Price 22.2
Buy 2
Strong Buy -
Buy 2
Strong Buy -
Hold 4
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

CVB Financial Corporation

stock logo

Company Overview

overview logo History and Background

CVB Financial Corporation, headquartered in Ontario, California, was founded in 1974. It operates primarily through its subsidiary, Citizens Business Bank. The bank has grown organically and through acquisitions, focusing on serving businesses and individuals in the Inland Empire and surrounding areas of Southern California.

business area logo Core Business Areas

  • Commercial Banking: Offers a range of commercial banking services, including loans, deposit accounts, and cash management services to businesses.
  • Retail Banking: Provides retail banking services such as checking and savings accounts, mortgages, and personal loans to individuals.
  • Wealth Management: Offers wealth management and trust services to individuals and businesses.

leadership logo Leadership and Structure

Raymond O'Brien serves as the Chairman. David Brager is the President and CEO. The company has a Board of Directors responsible for overseeing the company's strategy and performance.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Provides various commercial loans, including term loans, lines of credit, and commercial real estate loans. Market share data specific to commercial lending is difficult to obtain at the individual bank level, but CVBF competes with larger national banks and other regional banks in its footprint. Competitors: Bank of America, Wells Fargo, US Bancorp.
  • Deposit Accounts: Offers a variety of deposit accounts, including checking, savings, and money market accounts. These are a core offering and essential for funding other bank activities. Competitors: Chase, Citibank, local credit unions.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently facing challenges from rising interest rates, inflation, increased regulatory scrutiny, and competition from fintech companies. Regional banks are seeking growth through new lending products and expanding client service.

Positioning

CVB Financial Corporation is a well-established regional bank known for its strong credit quality and conservative lending practices. Its focus on serving businesses in Southern California gives it a competitive advantage through local market expertise and strong customer relationships.

Total Addressable Market (TAM)

The TAM for banking services in Southern California is substantial, estimated at hundreds of billions of dollars annually. CVBF is well-positioned to capture a portion of this TAM through its strong regional presence and focus on business banking.

Upturn SWOT Analysis

Strengths

  • Strong credit quality
  • Conservative lending practices
  • Experienced management team
  • Strong presence in Southern California
  • High efficiency ratio

Weaknesses

  • Limited geographic diversification
  • Dependence on the Southern California economy
  • Smaller scale compared to larger national banks
  • Slower technology adoption compared to Fintech companies

Opportunities

  • Expanding into new markets within California
  • Increasing focus on digital banking
  • Acquiring smaller banks or branches
  • Growing wealth management services

Threats

  • Rising interest rates
  • Economic slowdown in California
  • Increased competition from larger banks and fintech companies
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • BANC
  • FHB
  • UMPQ

Competitive Landscape

CVB Financial Corporation benefits from its credit quality. Competitors focus on tech solutions and aggressive growth.

Major Acquisitions

Pacific Commerce Bank

  • Year: 2012
  • Acquisition Price (USD millions): 89
  • Strategic Rationale: Expanded CVB Financial Corporation's presence in the Los Angeles market.

Growth Trajectory and Initiatives

Historical Growth: CVB Financial Corporation has experienced steady growth over the past decade, driven by organic growth and strategic acquisitions.

Future Projections: Analysts project continued growth for CVB Financial Corporation, driven by its strong market position and favorable economic conditions in Southern California. Revenue growth rate of 3-5% annually.

Recent Initiatives: Recent initiatives include expanding digital banking services and increasing focus on wealth management.

Summary

CVB Financial Corporation is a well-managed bank with a strong financial position, steady growth, and long dividend history. Risks include its dependence on the California economy, increasing competition, and regulations. The company's stable performance and conservative approach provide a solid foundation, while embracing digital technologies will be crucial for future success.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings (10-K, 10-Q)
  • Analyst reports
  • Press releases
  • FDIC data

Disclaimers:

This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly, so past performance is not indicative of future results. Consult with a qualified financial advisor before making any investment decisions.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About CVB Financial Corporation

Exchange NASDAQ
Headquaters Ontario, CA, United States
IPO Launch date 1992-03-17
President, CEO & Director Mr. David A. Brager
Sector Financial Services
Industry Banks - Regional
Full time employees 1089
Full time employees 1089

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. The company 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. 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 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 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.