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Upturn AI SWOT - About
CVBF 
CVB Financial Corporation (CVBF)
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Upturn Advisory Summary
10/24/2025: CVBF (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $22.4
1 Year Target Price $22.4
| 0 | Strong Buy |
| 2 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 15.15% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/24/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.62B USD | Price to earnings Ratio 12.89 | 1Y Target Price 22.4 |
Price to earnings Ratio 12.89 | 1Y Target Price 22.4 | ||
Volume (30-day avg) 6 | Beta 0.68 | 52 Weeks Range 15.69 - 23.60 | Updated Date 10/25/2025 |
52 Weeks Range 15.69 - 23.60 | Updated Date 10/25/2025 | ||
Dividends yield (FY) 4.29% | Basic EPS (TTM) 1.48 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-22 | When After Market | Estimate 0.37 | Actual 0.38 |
Profitability
Profit Margin 40.29% | Operating Margin (TTM) 54.87% |
Management Effectiveness
Return on Assets (TTM) 1.32% | Return on Equity (TTM) 9.16% |
Valuation
Trailing PE 12.89 | Forward PE 11.53 | Enterprise Value 2776484096 | Price to Sales(TTM) 5.15 |
Enterprise Value 2776484096 | Price to Sales(TTM) 5.15 | ||
Enterprise Value to Revenue 6.48 | Enterprise Value to EBITDA - | Shares Outstanding 137509649 | Shares Floating 128836915 |
Shares Outstanding 137509649 | Shares Floating 128836915 | ||
Percent Insiders 6.11 | Percent Institutions 78.45 |
Upturn AI SWOT
CVB Financial Corporation
Company Overview
History and Background
CVB Financial Corporation, founded in 1974, is the holding company for Citizens Business Bank. It began as a single branch in Chino, California, and has grown through organic expansion and strategic acquisitions. The company focuses on providing banking services to small and medium-sized businesses and individuals in California.
Core Business Areas
- Commercial Banking: Offers a range of financial products and services, including commercial loans, deposit accounts, and cash management services to businesses.
- Retail Banking: Provides deposit accounts, loans, and other financial services to individuals and households.
- Wealth Management: Offers wealth management and trust services to individuals and businesses.
Leadership and Structure
Raymond O'Brien is the Chairman of the Board. David Brager is the President and CEO. The organizational structure consists of various departments, including commercial banking, retail banking, wealth management, and operations, each headed by senior management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides financing for businesses, including term loans, lines of credit, and commercial real estate loans. Market share data is difficult to pinpoint exactly but CVBF has approximately 1.5% market share of the California market. Competitors include Bank of America, Wells Fargo, and other regional banks.
- Deposit Accounts: Offers checking, savings, and money market accounts for businesses and individuals. Market share data is difficult to pinpoint exactly but CVBF has approximately 1.5% market share of the California market. Competitors include Bank of America, Wells Fargo, and other regional banks.
- Cash Management Services: Provides services to help businesses manage their cash flow efficiently. Data is difficult to pinpoint exactly but CVBF has approximately 1.5% market share of the California market. Competitors include Bank of America, Wells Fargo, and other regional banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Regional banks like CVB Financial Corporation face the challenge of balancing growth with maintaining profitability and managing credit risk.
Positioning
CVB Financial Corporation is positioned as a strong regional bank with a focus on serving small and medium-sized businesses in California. Its competitive advantage lies in its strong customer relationships, local market expertise, and conservative credit culture.
Total Addressable Market (TAM)
The TAM for banking services in California is estimated to be in the hundreds of billions of dollars. CVB Financial Corporation, with its regional focus, captures a smaller portion of this overall market, with significant room for growth.
Upturn SWOT Analysis
Strengths
- Strong capital position
- Conservative credit culture
- Experienced management team
- Strong customer relationships
- Consistent profitability
Weaknesses
- Geographic concentration in California
- Limited product diversification
- Smaller scale compared to larger national banks
- Dependence on net interest income
Opportunities
- Expansion into new markets within California
- Acquisition of other community banks
- Increased adoption of digital banking services
- Growth in wealth management business
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic slowdown in California
- Increased regulatory scrutiny
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BofA (BAC)
- Wells Fargo (WFC)
- Western Alliance Bancorporation (WAL)
- PacWest Bancorp (PACW)
Competitive Landscape
CVB Financial Corporation's advantages compared to competitors include its strong customer relationships, local market expertise, and conservative credit culture. Its disadvantages include its smaller scale and geographic concentration.
Major Acquisitions
Sunwest Bank
- Year: 2018
- Acquisition Price (USD millions): 281
- Strategic Rationale: Expanded CVB Financial Corporation's presence in Southern California.
Growth Trajectory and Initiatives
Historical Growth: CVB Financial Corporation has experienced steady growth in assets, loans, and deposits over the past decade, driven by organic expansion and acquisitions.
Future Projections: Analysts project continued growth in earnings and assets, driven by expansion in California and improved efficiency. However, growth is also subject to overall economic conditions.
Recent Initiatives: Recent initiatives include investments in technology to enhance digital banking services and expansion into new markets within California.
Summary
CVB Financial Corporation is a financially sound regional bank with a conservative approach, known for its consistent profitability. Its strengths lie in its strong capital position, experienced management, and customer relationships. Challenges include geographic concentration and competition, requiring them to adapt to digital trends and expand strategically.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
Disclaimers:
The data provided is for informational purposes only and should not be considered investment advice. Market share data is estimated. Financial data may be outdated and require live updating.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 | Website https://www.cbbank.com |
Full time employees 1089 | Website https://www.cbbank.com | ||
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.
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