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Upturn AI Summary - About
CVB Financial Corporation(CVBF)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CVBF
10/30/2026: CVBF (2-star) has a low Upturn Star Rating. Not recommended to BUY.
CVB Financial Corporation is a regional bank holding company that focuses on serving small to medium-sized businesses in California through its subsidiary, Citizens Business Bank. The company has historically maintained a stable financial position, supported by a disciplined approach to credit and strong core deposits. Its primary growth strategy revolves around organic loan portfolio expansion and the acquisition of local financial institutions. Risks include regional economic concentration, interest rate sensitivity, and competition for deposits. It may best suit value and dividend-focused investors seeking a stable, conservative financial holding; key developments to monitor include net interest margin trends and the bank's progress in digital infrastructure.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company focuses on steady, manageable growth rather than rapid, high-beta expansion. |
| Momentum investor | Weak fit | This stock typically exhibits low-to-moderate volatility and is less suited for short-term momentum strategies. |
| Value investor | Strong fit | The company is often viewed as a stable, dividend-paying value play in the regional banking sector. |
| Dividend investor | Strong fit | CVB Financial has a long track record of consistent dividend payments that appeal to income-focused investors. |
| Low-risk investor | Strong fit | With a disciplined credit culture and strong capital base, it is generally considered a conservative holding. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to interest rate expectations and economic outlooks. |
| Valuation risk | Medium | Market pricing often fluctuates based on sector-wide sentiments. |
| Competition risk (banking) | Medium / high | Strong competition for deposits and loans can compress margins. |
| Business quality | Strong | The company has a long history of prudent management and solid asset quality. |
| Dividend income | Low | Dividend payouts are generally stable and well-supported. |
| Execution risk | Medium | Acquisition integration and organic growth require consistent operational management. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -15.53% | Avg. Invested days 33 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/30/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.96B USD | Price to earnings Ratio 14.95 | 1Y Target Price 26.08 |
Price to earnings Ratio 14.95 | 1Y Target Price 26.08 | ||
Volume (30-day avg) 1.4M shares | Beta 0.67 | 52 Weeks Range 17.32 - 23.20 | Updated Date 11/01/2026 |
52 Weeks Range 17.32 - 23.20 | Updated Date 11/01/2026 | ||
Dividends yield (FY) 3.52% | Basic EPS (TTM) 1.51 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | The bank earns the difference between the interest it charges borrowers and the interest it pays to savers. |
| Non-Interest Income | Service charges, treasury management fees, and wealth management services. | Fee-based revenue provides a supplementary income stream that is less dependent on interest rate changes. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-21 | When After Market | Estimate 0.45 | Actual 0.44 |
Profitability
Profit Margin 36.23% | Operating Margin (TTM) 60.13% |
Management Effectiveness
Return on Assets (TTM) 1.28% | Return on Equity (TTM) 8.59% |
Valuation
Trailing PE 14.95 | Forward PE 11.53 | Enterprise Value 4.86B | Price to Sales(TTM) 6.18 |
Enterprise Value 4.86B | Price to Sales(TTM) 6.18 | ||
Enterprise Value to Revenue 7.09 | Enterprise Value to EBITDA - | Shares Outstanding 175.49M | Shares Floating 166.30M |
Shares Outstanding 175.49M | Shares Floating 166.30M | ||
Percent Insiders 5.12 | Percent Institutions 87.62 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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