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CVBF 
CVB Financial Corporation (CVBF)
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Upturn Advisory Summary
12/30/2025: CVBF (1-star) is a SELL. SELL since 1 days. Simulated Profits (-6.05%). Updated daily EoD!
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 $22.9
1 Year Target Price $22.9
| 0 | Strong Buy |
| 2 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 8% | Avg. Invested days 31 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.57B USD | Price to earnings Ratio 12.7 | 1Y Target Price 22.9 |
Price to earnings Ratio 12.7 | 1Y Target Price 22.9 | ||
Volume (30-day avg) 6 | Beta 0.69 | 52 Weeks Range 15.53 - 20.90 | Updated Date 12/30/2025 |
52 Weeks Range 15.53 - 20.90 | Updated Date 12/30/2025 | ||
Dividends yield (FY) 4.17% | 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 12.7 | Forward PE 11.53 | Enterprise Value 2786698496 | Price to Sales(TTM) 5.05 |
Enterprise Value 2786698496 | Price to Sales(TTM) 5.05 | ||
Enterprise Value to Revenue 6.34 | Enterprise Value to EBITDA - | Shares Outstanding 135551599 | Shares Floating 128165471 |
Shares Outstanding 135551599 | Shares Floating 128165471 | ||
Percent Insiders 6.2 | Percent Institutions 79.57 |
Upturn AI SWOT
CVB Financial Corporation
Company Overview
History and Background
CVB Financial Corporation (CVBF) was founded in 1981 and is the holding company for Citizens Business Bank. It has grown organically and through strategic acquisitions, establishing a strong presence in Southern California's business community. Its evolution has focused on serving small and medium-sized businesses with a relationship-based banking approach.
Core Business Areas
- Commercial Banking: Provides a full range of business banking products and services, including commercial loans, lines of credit, treasury management, and equipment financing to small and medium-sized businesses in various industries.
- Retail Banking: Offers consumer checking and savings accounts, personal loans, mortgages, and other retail banking services through its branch network.
- Wealth Management: Provides investment advisory, trust services, and retirement planning through its wealth management division.
Leadership and Structure
CVB Financial Corporation is led by a Board of Directors and a senior executive team. Key leadership positions include the Chief Executive Officer (CEO), Chief Financial Officer (CFO), and heads of various business units and departments. The company operates under a traditional corporate structure with functional departments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers a variety of commercial loans, including term loans, SBA loans, and real estate financing. Competitors include major national banks and regional community banks. Specific market share data for this product is not publicly disclosed, but it's a core driver of their business.
- Treasury Management Services: Provides services like cash concentration, remote deposit capture, and automated clearing house (ACH) processing to help businesses manage their cash flow. Competitors include other commercial banks of all sizes. Market share data is not specifically available but is a key differentiator for business clients.
- Business Checking and Savings Accounts: Offers a range of business deposit accounts designed to meet the transactional and savings needs of small and medium-sized businesses. Competitors are abundant across the banking sector. While a fundamental offering, its market share is part of the broader deposit market.
Market Dynamics
Industry Overview
CVB Financial Corporation operates within the highly competitive U.S. banking industry, specifically focusing on community banking. The industry is characterized by evolving regulatory landscapes, technological advancements (fintech), interest rate fluctuations, and a constant drive for customer acquisition and retention. The demand for business lending and specialized financial services remains strong, particularly in growing economic regions.
Positioning
CVB Financial Corporation positions itself as a relationship-focused community bank, emphasizing personalized service and deep understanding of the local business environment. Its competitive advantages include a strong reputation for integrity, a loyal customer base in Southern California, and a commitment to supporting local businesses. They differentiate themselves from larger national banks by offering more tailored solutions and personalized attention.
Total Addressable Market (TAM)
The TAM for community banking in the U.S. is substantial, encompassing the financial needs of millions of small and medium-sized businesses and individuals. CVB Financial Corporation targets a specific segment within this TAM, primarily focusing on businesses and individuals in its geographic footprint in Southern California. While a precise dollar value for their specific TAM is hard to quantify, it represents a significant portion of the commercial and retail banking market in their operational areas.
Upturn SWOT Analysis
Strengths
- Strong relationship-based banking model
- Loyal customer base in Southern California
- Experienced management team
- Solid financial performance and capital adequacy
- Focus on niche markets and business segments
Weaknesses
- Limited geographic diversification
- Susceptibility to regional economic downturns
- Dependence on interest rate environment
- Smaller scale compared to national banks
Opportunities
- Expansion into adjacent geographic markets
- Growth in wealth management and specialized lending
- Leveraging technology for enhanced customer experience
- Strategic acquisitions to expand services or reach
- Increased demand for business financing in recovering economy
Threats
- Intense competition from larger banks and fintech companies
- Rising interest rates leading to higher funding costs
- Economic recession impacting loan demand and credit quality
- Cybersecurity risks and data breaches
- Evolving regulatory environment
Competitors and Market Share
Key Competitors
- PacWest Bancorp (PACW)
- First Republic Bank (FRC) - Acquired
- East West Bancorp (EWBC)
- Plumas Bancorp (PLBC)
- Commercial Bank of California (Private)
Competitive Landscape
CVB Financial Corporation competes in a crowded banking landscape. Its advantages lie in its deep community ties and personalized service, which larger institutions may struggle to replicate. However, it faces challenges from larger banks with greater resources and broader product offerings, as well as from nimble fintech companies that are disrupting traditional banking services. Its ability to maintain strong customer loyalty and adapt to technological changes will be crucial for its continued success.
Growth Trajectory and Initiatives
Historical Growth: CVB Financial Corporation has experienced consistent historical growth, driven by organic expansion of its loan and deposit portfolios, as well as strategic acquisitions that have broadened its reach and service offerings. Its focus on the Southern California market has allowed it to capitalize on regional economic development.
Future Projections: Analyst estimates for CVB Financial Corporation's future growth generally project continued moderate expansion in revenue and earnings. Projections are often tied to anticipated interest rate movements, loan demand in its core markets, and the successful integration of any new initiatives or acquisitions. The company is expected to maintain its focus on profitability and capital strength.
Recent Initiatives: Recent initiatives for CVB Financial Corporation may include the adoption of new digital banking technologies to enhance customer experience, expansion of specialized lending programs, and ongoing evaluation of potential mergers or acquisitions that align with its strategic goals and financial capacity.
Summary
CVB Financial Corporation is a well-established community bank with a strong focus on relationship-based banking in Southern California. Its consistent financial performance, loyal customer base, and experienced leadership are significant strengths. However, its limited geographic diversification and intense competition pose ongoing challenges. Capitalizing on opportunities in digital transformation and potential strategic growth while mitigating threats from economic downturns and evolving fintech will be key to its future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- CVB Financial Corporation Investor Relations
- SEC Filings (10-K, 10-Q)
- Financial News and Analysis Websites (e.g., Yahoo Finance, Bloomberg)
Disclaimers:
This information is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be exact. Competitor lists and market share comparisons are based on publicly available information and industry analysis, and may change over time.
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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