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Upturn AI SWOT - About
CVBF 
CVB Financial Corporation (CVBF)
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Upturn Advisory Summary
06/30/2025: 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
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $22.2
1 Year Target Price $22.2
| 0 | Strong Buy |
| 2 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 21.99% | Avg. Invested days 35 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| 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 - |
Upturn AI SWOT
CVB Financial Corporation
Company Overview
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.
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 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
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
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
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.
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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