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CVBF 
CVB Financial Corporation (CVBF)
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Upturn Advisory Summary
11/28/2025: CVBF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 12.08% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.71B USD | Price to earnings Ratio 13.3 | 1Y Target Price 22.4 |
Price to earnings Ratio 13.3 | 1Y Target Price 22.4 | ||
Volume (30-day avg) 6 | Beta 0.69 | 52 Weeks Range 15.69 - 22.92 | Updated Date 11/29/2025 |
52 Weeks Range 15.69 - 22.92 | Updated Date 11/29/2025 | ||
Dividends yield (FY) 4.01% | Basic EPS (TTM) 1.48 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 40.26% | Operating Margin (TTM) 54.87% |
Management Effectiveness
Return on Assets (TTM) 1.32% | Return on Equity (TTM) 9.16% |
Valuation
Trailing PE 13.3 | Forward PE 11.53 | Enterprise Value 2907090432 | Price to Sales(TTM) 5.32 |
Enterprise Value 2907090432 | Price to Sales(TTM) 5.32 | ||
Enterprise Value to Revenue 6.53 | Enterprise Value to EBITDA - | Shares Outstanding 136809068 | Shares Floating 128113484 |
Shares Outstanding 136809068 | Shares Floating 128113484 | ||
Percent Insiders 6.14 | Percent Institutions 80.28 |
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. Initially focused on the Inland Empire region of Southern California, it has grown through strategic acquisitions and organic expansion to become one of the largest bank holding companies headquartered in California.
Core Business Areas
- Commercial Banking: Provides a range of banking products and services to businesses and individuals, including commercial loans, deposit accounts, cash management, and online banking.
- Real Estate Lending: Offers commercial and residential real estate loans, catering to diverse property types and borrower needs.
- Small Business Administration (SBA) Lending: Participates in the SBA loan program, providing financing solutions to small businesses.
- Wealth Management: Provides wealth management and trust services through its CitizensTrust division.
Leadership and Structure
David A. Brager serves as the President and Chief Executive Officer. The company operates with a traditional corporate structure, with a board of directors overseeing the management team.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides financing for working capital, equipment purchases, and business expansion. Market share data specific to CVBF's commercial loan market is not readily available, but the overall market is highly competitive. Competitors include larger national banks, regional banks, and credit unions.
- Commercial Real Estate Loans: Offers loans for the acquisition, refinancing, and development of commercial properties. Market share data is not readily available. Competitors include larger national banks, regional banks, mortgage REITs, and private lenders.
- Deposit Products: Includes checking accounts, savings accounts, money market accounts, and certificates of deposit for both businesses and individuals. Market share data is not readily available. Competitors include larger national banks, regional banks, and online banks offering competitive interest rates.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges and opportunities, including rising interest rates, increased regulatory scrutiny, technological advancements, and evolving customer preferences. Consolidation is occurring as larger banks seek to expand their market share.
Positioning
CVB Financial Corporation is positioned as a strong regional bank with a focus on serving businesses and individuals in Southern California. Its conservative lending practices and strong capital position provide a competitive advantage.
Total Addressable Market (TAM)
The TAM for banking services in Southern California is estimated to be in the billions of dollars. CVB Financial is well-positioned to compete for market share within its geographic footprint, with a focus on building relationships with businesses and providing personalized service.
Upturn SWOT Analysis
Strengths
- Strong Capital Position
- Conservative Lending Practices
- Experienced Management Team
- Established Presence in Southern California
- Consistent Profitability
Weaknesses
- Geographic Concentration (Southern California)
- Limited Branch Network Compared to Larger Banks
- Dependence on Interest Rate Spread
- Smaller Scale compared to national players
Opportunities
- Expansion into New Markets
- Increased Adoption of Digital Banking
- Strategic Acquisitions
- Growing Demand for Commercial Loans
Threats
- Increased Competition from Larger Banks
- Economic Downturn in Southern California
- Rising Interest Rates
- Regulatory Changes
- Cybersecurity Threats
Competitors and Market Share
Key Competitors
- BANC
- WAFD
- FFWM
Competitive Landscape
CVB Financial Corporation competes with larger national banks and other regional banks. Its strengths include its strong capital position, conservative lending practices, and experienced management team. Its weaknesses include its geographic concentration and smaller scale compared to larger competitors.
Major Acquisitions
Sunwest Bank
- Year: 2022
- Acquisition Price (USD millions): 28
- Strategic Rationale: Expansion into Orange County market. Increased market share and branch network.
Growth Trajectory and Initiatives
Historical Growth: Historical growth rates need to be calculated based on past financial performance.
Future Projections: Analyst estimates can be sourced from financial news and research providers.
Recent Initiatives: Review recent news releases and investor presentations to identify recent initiatives.
Summary
CVB Financial Corporation is a financially sound regional bank with a strong presence in Southern California. Its conservative lending practices and experienced management team have contributed to consistent profitability. However, its geographic concentration and smaller scale present challenges in a competitive market. The bank should look into ways to diversify its portfolio beyond Southern California.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q), Press releases, Analyst reports, FDIC data
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is estimated based on available resources and may not be exact.
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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