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Upturn AI SWOT - About
CVBF 
CVB Financial Corporation (CVBF)
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Upturn Advisory Summary
08/14/2025: 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 $22.8
1 Year Target Price $22.8
| 0 | Strong Buy |
| 2 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 15.07% | 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 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.71B USD | Price to earnings Ratio 13.47 | 1Y Target Price 22.8 |
Price to earnings Ratio 13.47 | 1Y Target Price 22.8 | ||
Volume (30-day avg) 6 | Beta 0.7 | 52 Weeks Range 15.86 - 23.85 | Updated Date 08/14/2025 |
52 Weeks Range 15.86 - 23.85 | Updated Date 08/14/2025 | ||
Dividends yield (FY) 4.04% | Basic EPS (TTM) 1.46 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-22 | When After Market | Estimate 0.3483 | Actual 0.36 |
Profitability
Profit Margin 40.11% | Operating Margin (TTM) 55.36% |
Management Effectiveness
Return on Assets (TTM) 1.29% | Return on Equity (TTM) 9.36% |
Valuation
Trailing PE 13.47 | Forward PE 11.53 | Enterprise Value 2922874112 | Price to Sales(TTM) 5.33 |
Enterprise Value 2922874112 | Price to Sales(TTM) 5.33 | ||
Enterprise Value to Revenue 6.77 | Enterprise Value to EBITDA - | Shares Outstanding 137818000 | Shares Floating 129139225 |
Shares Outstanding 137818000 | Shares Floating 129139225 | ||
Percent Insiders 6.1 | Percent Institutions 75.49 |
Upturn AI SWOT
CVB Financial Corporation
Company Overview
History and Background
CVB Financial Corp. was founded in 1974. It began as Citizens Valley Bank and has grown through acquisitions and organic expansion to become a significant regional bank holding company in Southern California.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products and services to businesses and individuals, including commercial loans, real estate loans, and SBA loans.
- Retail Banking: Offers traditional retail banking services such as checking accounts, savings accounts, and personal loans.
- Wealth Management: Provides wealth management and trust services to individuals and businesses.
Leadership and Structure
Anna L. Crane is the President and CEO. The company is structured with a board of directors and various executive management teams overseeing different operational areas.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. CVB Financial holds a significant portion of its loan portfolio in commercial real estate. Competitors include other regional and national banks, as well as non-bank lenders.
- Market Share (%):
- Commercial and Industrial Loans: Loans to businesses for working capital, equipment, and other business purposes. Competitors include regional and national banks.
- Market Share (%):
- Market Share (%):
- Small Business Administration (SBA) Loans: Government-guaranteed loans to small businesses. Competitors include other SBA lenders such as regional banks, credit unions and national banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges and opportunities due to rising interest rates, technological advancements (FinTech), and regulatory changes.
Positioning
CVB Financial is a well-capitalized, conservatively managed bank that focuses on relationship banking in Southern California. Their advantage lies in their strong credit quality and efficient operations.
Total Addressable Market (TAM)
The TAM for banking services in Southern California is estimated to be in the hundreds of billions of dollars. CVB Financial is positioned to capture a portion of this market through its strong presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong Capital Position
- High Credit Quality
- Efficient Operations
- Experienced Management Team
- Strong Customer Relationships
Weaknesses
- Geographic Concentration in Southern California
- Limited International Exposure
- Dependence on Net Interest Income
- Exposure to Real Estate Market Fluctuations
Opportunities
- Expansion into New Markets
- Increased Fee Income Generation
- Adoption of New Technologies
- Strategic Acquisitions
- Growth in Wealth Management Services
Threats
- Rising Interest Rates
- Increased Competition from FinTech Companies
- Economic Downturn in Southern California
- Regulatory Changes
- Cybersecurity Threats
Competitors and Market Share
Key Competitors
- First Republic Bank (FRC)
- PacWest Bancorp (PACW)
- Bank of Southern California (BSCC)
Competitive Landscape
CVB Financial is regarded as a conservative and well-managed bank with a strong focus on customer relationships. Their competitive advantage lies in their credit quality and efficiency.
Major Acquisitions
DPP Financial
- Year: 2023
- Acquisition Price (USD millions): 22.6
- Strategic Rationale: DPP Financial's government-guaranteed lending expertise will bolster CVB's ability to serve more small businesses across the country.
Growth Trajectory and Initiatives
Historical Growth: CVB Financial has experienced steady growth over the past decade, both organically and through acquisitions.
Future Projections: Analysts anticipate continued growth for CVB Financial, driven by their strong franchise and focus on relationship banking.
Recent Initiatives: Recent initiatives include enhancing their digital banking capabilities and expanding their wealth management services.
Summary
CVB Financial Corporation is a fundamentally sound company with a strong capital base, credit quality, and consistent profitability. Their focus on relationship banking in Southern California has been a key driver of their success. The company should watch out for regulatory changes, competitive pressure from FinTech companies, and any regional economic downturn.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Financial Reports
- Analyst Estimates
- Industry Reports
Disclaimers:
This analysis is based on available information and is subject to change. Investment decisions should be made after consulting with a qualified financial advisor.
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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