Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
CVBF 
CVB Financial Corporation (CVBF)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
09/17/2025: 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 09/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.69B USD | Price to earnings Ratio 13.36 | 1Y Target Price 22.8 |
Price to earnings Ratio 13.36 | 1Y Target Price 22.8 | ||
Volume (30-day avg) 6 | Beta 0.72 | 52 Weeks Range 15.86 - 23.85 | Updated Date 09/16/2025 |
52 Weeks Range 15.86 - 23.85 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 4.00% | Basic EPS (TTM) 1.46 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 40.11% | Operating Margin (TTM) 55.36% |
Management Effectiveness
Return on Assets (TTM) 1.29% | Return on Equity (TTM) 9.36% |
Valuation
Trailing PE 13.36 | Forward PE 11.53 | Enterprise Value 2971110144 | Price to Sales(TTM) 5.29 |
Enterprise Value 2971110144 | Price to Sales(TTM) 5.29 | ||
Enterprise Value to Revenue 6.68 | Enterprise Value to EBITDA - | Shares Outstanding 137818000 | Shares Floating 129144737 |
Shares Outstanding 137818000 | Shares Floating 129144737 | ||
Percent Insiders 6.1 | Percent Institutions 77.18 |
Upturn AI SWOT
CVB Financial Corporation
Company Overview
History and Background
CVB Financial Corporation was founded in 1974 and is headquartered in Ontario, California. It operates as the holding company for Citizens Business Bank. The bank has grown through acquisitions and organic expansion, focusing on providing banking services to businesses and individuals in California.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate loans, lines of credit, and term loans.
- Retail Banking: Offers personal banking services such as checking and savings accounts, as well as mortgage loans and other consumer loans.
- Wealth Management: Provides investment advisory and wealth management services to individuals and businesses.
Leadership and Structure
David Brager is the President and CEO. The company has a board of directors responsible for overseeing the company's strategy and performance. The organizational structure is typical of a regional bank, with various departments and teams responsible for different aspects of the business.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, generating a significant portion of the bank's revenue. Market share data is not publicly available for this specific product. Competitors include other regional banks like Bank of Southern California and larger national banks.
- Commercial & Industrial (C&I) Loans: Loans to businesses for working capital and other operational needs. Market share data is not publicly available for this specific product. Competitors include Wells Fargo and Bank of America.
- Deposit Accounts: Checking, savings, and money market accounts for businesses and individuals. Market share data is difficult to quantify directly, but deposit growth reflects competitiveness. Competitors include all banks operating in the region.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased competition from fintech companies, and evolving regulatory landscape. Banks are focusing on digital transformation and enhancing customer experience.
Positioning
CVB Financial Corporation is a well-established regional bank with a strong presence in California. Its competitive advantages include a focus on relationship banking and a conservative credit culture.
Total Addressable Market (TAM)
The TAM for banking services in Southern California is estimated to be in the billions of dollars. CVB is well positioned to capture a portion of this market through its strong local presence and diversified product offerings.
Upturn SWOT Analysis
Strengths
- Strong capital base
- Conservative credit culture
- Experienced management team
- Established presence in California
- Consistent profitability
Weaknesses
- Geographic concentration in California
- Limited international presence
- Reliance on traditional banking model
- Smaller scale compared to larger national banks
- Slower digital transformation compared to some competitors
Opportunities
- Expansion into new markets within California
- Increased adoption of digital banking technologies
- Growth in wealth management business
- Potential acquisitions of smaller banks
- Increased demand for commercial lending
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic slowdown in California
- Changes in banking regulations
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BANC
- OFG
- UMPQ
Competitive Landscape
CVB Financial Corporation faces competition from other regional banks, national banks, and credit unions. Its advantages include a strong focus on relationship banking and a conservative credit culture. Its disadvantages include its smaller scale and geographic concentration.
Major Acquisitions
Providence Bank
- Year: 2018
- Acquisition Price (USD millions): 427.1
- Strategic Rationale: Expanded Citizens Business Banku2019s branch network into key markets and added approximately $646 million in assets.
Growth Trajectory and Initiatives
Historical Growth: CVB has grown steadily through organic expansion and acquisitions.
Future Projections: Future growth projections require analyst estimates and financial modeling.
Recent Initiatives: CVB has been focusing on expanding its digital banking capabilities and growing its wealth management business.
Summary
CVB Financial Corporation demonstrates solid financial performance rooted in a conservative banking ethos. Its strength lies in consistent profitability and strategic acquisitions, particularly expanding within California. Key challenges include increasing digital adoption to maintain competitiveness and navigating the evolving regulatory environment. Overall, CVB appears financially healthy, however, geographic concentration presents a key watch-out.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, press releases, analyst reports (where available), publicly available information.
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.