Cvb Financial Stock Analysis
| CVBF Stock | USD 19.71 0.20 1.03% |
IPO Date 17th of March 1992 | 200 Day MA 19.3492 | 50 Day MA 19.5602 | Beta 0.693 |
CVB Financial holds a debt-to-equity ratio of 0.0777. At this time, CVB Financial's Net Debt To EBITDA is most likely to slightly decrease in the upcoming years. The CVB Financial's current Debt To Assets is estimated to increase to 0.10, while Net Debt is projected to decrease to roughly 506.3 M. CVB Financial's financial risk is the risk to CVB Financial stockholders that is caused by an increase in debt.
Asset vs Debt
Equity vs Debt
CVB Financial's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. CVB Financial's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps CVB Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect CVB Financial's stakeholders.
For most companies, including CVB Financial, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for CVB Financial, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, CVB Financial's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book 1.1623 | Price Sales 5.1483 | Shares Float 126.8 M | Dividend Share 0.8 | Wall Street Target Price 23.5 |
CVB Financial is undervalued with Real Value of 21.52 and Target Price of 23.5. The main objective of CVB Financial stock analysis is to determine its intrinsic value, which is an estimate of what CVB Financial is worth, separate from its market price. There are two main types of CVB Financial's stock analysis: fundamental analysis and technical analysis.
The CVB Financial stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and CVB Financial's ongoing operational relationships across important fundamental and technical indicators.
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in CVB Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics. CVB Stock Analysis Notes
About 80.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.16. Some equities with similar Price to Book (P/B) outperform the market in the long run. CVB Financial has Price/Earnings To Growth (PEG) ratio of 2.22. The entity last dividend was issued on the 29th of December 2025. The firm had 11:10 split on the 3rd of January 2007. 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 was founded in 1974 and is headquartered in Ontario, California. Cvb Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 1015 people. For more info on CVB Financial please contact the company at 909 980 4030 or go to https://www.cbbank.com.CVB Financial Quarterly Total Revenue |
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CVB Financial Investment Alerts
| Over 80.0% of the company shares are held by institutions such as insurance companies | |
| On 13th of January 2026 CVB Financial paid $ 0.2 per share dividend to its current shareholders | |
| Latest headline from simplywall.st: A Look At CVB Financial Valuation After Earnings Beat And Completed Share Buyback Program |
CVB Largest EPS Surprises
Earnings surprises can significantly impact CVB Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2012-10-17 | 2012-09-30 | 0.1 | 0.09 | -0.01 | 10 | ||
1998-07-16 | 1998-06-30 | 0.07 | 0.08 | 0.01 | 14 | ||
1997-10-15 | 1997-09-30 | 0.06 | 0.07 | 0.01 | 16 |
CVB Financial Environmental, Social, and Governance (ESG) Scores
CVB Financial's ESG score is a quantitative measure that evaluates CVB Financial's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of CVB Financial's operations that may have significant financial implications and affect CVB Financial's stock price as well as guide investors towards more socially responsible investments.
CVB Stock Institutional Investors
Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Fuller & Thaler Asset Management Inc | 2025-06-30 | 2.3 M | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 2.2 M | Victory Capital Management Inc. | 2025-06-30 | 1.9 M | Northern Trust Corp | 2025-06-30 | 1.6 M | Massachusetts Financial Services Company | 2025-06-30 | 1.6 M | Norges Bank | 2025-06-30 | 1.4 M | Bank Of New York Mellon Corp | 2025-06-30 | 1.4 M | Goldman Sachs Group Inc | 2025-06-30 | 1.2 M | Wellington Management Company Llp | 2025-06-30 | 1.1 M | Blackrock Inc | 2025-06-30 | 19.1 M | Vanguard Group Inc | 2025-06-30 | 14.8 M |
CVB Market Capitalization
The company currently falls under 'Mid-Cap' category with a current market capitalization of 2.67 B.CVB Profitablity
The company has Profit Margin (PM) of 0.4 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.56 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.56.| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.02 | |
| Return On Capital Employed | 0.08 | 0.07 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.09 | 0.15 |
Management Efficiency
CVB Financial has return on total asset (ROA) of 0.0136 % which means that it generated a profit of $0.0136 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.0934 %, meaning that it created $0.0934 on every $100 dollars invested by stockholders. CVB Financial's management efficiency ratios could be used to measure how well CVB Financial manages its routine affairs as well as how well it operates its assets and liabilities. At this time, CVB Financial's Return On Equity is most likely to slightly decrease in the upcoming years. At this time, CVB Financial's Earning Assets are most likely to decrease significantly in the upcoming years. The CVB Financial's current Return On Tangible Assets is estimated to increase to 0.02, while Other Assets are projected to decrease to roughly 7.4 B.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | (70.42) | (66.90) | |
| Tangible Book Value Per Share | (76.03) | (72.23) | |
| Enterprise Value Over EBITDA | 11.65 | 10.71 | |
| Price Book Value Ratio | 1.12 | 1.06 | |
| Enterprise Value Multiple | 11.65 | 10.71 | |
| Price Fair Value | 1.12 | 1.06 | |
| Enterprise Value | -8.6 M | -8.1 M |
CVB Financial's management has consistently demonstrated strong leadership, driving both financial growth and operational excellence. By analyzing current market trends and future growth opportunities, we assess the stock's true value and potential for investors.
Technical Drivers
As of the 1st of February, CVB Financial owns the market risk adjusted performance of 0.0951, and Coefficient Of Variation of 1879.27. CVB Financial technical analysis gives you the methodology to make use of past data patterns to determine a pattern that approximates the direction of the firm's future prices. Please confirm CVB Financial jensen alpha, semi variance, and the relationship between the standard deviation and value at risk to decide if CVB Financial is priced more or less accurately, providing market reflects its prevailing price of 19.71 per share. Given that CVB Financial has jensen alpha of 0.0455, we suggest you to validate CVB Financial's latest market performance to make sure the company can sustain itself in the future.CVB Financial Price Movement Analysis
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Triple Exponential Moving Average (T3) indicator is developed by Tim Tillson as CVB Financial price series composite of a single exponential moving average, a double exponential moving average and a triple exponential moving average.
CVB Financial Insider Trading Activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific CVB Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on CVB Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases CVB Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
CVB Financial Outstanding Bonds
CVB Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. CVB Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most CVB bonds can be classified according to their maturity, which is the date when CVB Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| CSLAU 495 27 APR 62 Corp BondUS12661PAF62 | View | |
| CSLAU 425 27 APR 32 Corp BondUS12661PAC32 | View | |
| CSLAU 405 27 APR 29 Corp BondUS12661PAB58 | View | |
| CSLAU 475 27 APR 52 Corp BondUS12661PAE97 | View | |
| CSLAU 4625 27 APR 42 Corp BondUS12661PAD15 | View | |
| CSLAU 385 27 APR 27 Corp BondUS12661PAA75 | View | |
| US12663QAC96 Corp BondUS12663QAC96 | View | |
| CVS HEALTH P Corp BondUS126650CD09 | View |
CVB Financial Predictive Daily Indicators
CVB Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of CVB Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
CVB Financial Corporate Filings
| 30th of January 2026 Other Reports | ViewVerify | |
F4 | 28th of January 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 26th of January 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 23rd of January 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
8K | 22nd of January 2026 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
| 29th of December 2025 Other Reports | ViewVerify | |
8K | 23rd of December 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
| 19th of December 2025 Other Reports | ViewVerify |
CVB Financial Forecast Models
CVB Financial's time-series forecasting models are one of many CVB Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary CVB Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.CVB Financial Bond Ratings
CVB Financial financial ratings play a critical role in determining how much CVB Financial have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for CVB Financial's borrowing costs.| Piotroski F Score | 6 | Healthy | View |
| Beneish M Score | (2.06) | Possible Manipulator | View |
CVB Financial Debt to Cash Allocation
Many companies such as CVB Financial, eventually find out that there is only so much market out there to be conquered, and adding the next product or service is only half as profitable per unit as their current endeavors. Eventually, the company will reach a point where cash flows are strong, and extra cash is available but not fully utilized. In this case, the company may start buying back its stock from the public or issue more dividends.
CVB Financial currently holds 990.6 M in liabilities with Debt to Equity (D/E) ratio of 0.08, which may suggest the company is not taking enough advantage from borrowing. Note, when we think about CVB Financial's use of debt, we should always consider it together with its cash and equity.CVB Financial Common Stock Shares Outstanding Over Time
CVB Financial Assets Financed by Debt
The debt-to-assets ratio shows the degree to which CVB Financial uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.CVB Financial Debt Ratio | 10.0 |
CVB Financial Corporate Bonds Issued
Most CVB bonds can be classified according to their maturity, which is the date when CVB Financial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
CVB Short Long Term Debt Total
Short Long Term Debt Total |
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About CVB Stock Analysis
Stock analysis is the technique used by a trader or investor to examine and evaluate how CVB Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling CVB shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as CVB Financial. By using and applying CVB Stock analysis, traders can create a robust methodology for identifying CVB entry and exit points for their positions.
| Last Reported | Projected for Next Year | ||
| Pretax Profit Margin | 0.46 | 0.30 | |
| Operating Profit Margin | 0.47 | 0.30 | |
| Net Profit Margin | 0.34 | 0.21 | |
| Gross Profit Margin | 0.84 | 0.63 |
Current CVB Analysis - Recommendations
We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. CVB analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. CVB analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
| Target Price | Advice | # of Analysts | |
| 23.5 | Buy | 6 | Odds |
Most CVB analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand CVB stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of CVB Financial, talking to its executives and customers, or listening to CVB conference calls.
CVB Stock Analysis Indicators
CVB Financial stock analysis indicators help investors evaluate how CVB Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading CVB Financial shares will generate the highest return on investment. By understating and applying CVB Financial stock analysis, traders can identify CVB Financial position entry and exit signals to maximize returns.
| Begin Period Cash Flow | 204.7 M | |
| Common Stock Shares Outstanding | 135.9 M | |
| Total Stockholder Equity | 2.3 B | |
| Quarterly Earnings Growth Y O Y | 0.099 | |
| Property Plant And Equipment Net | 26.5 M | |
| Cash And Short Term Investments | 2.8 B | |
| Cash | 107.5 M | |
| Net Debt | 883.1 M | |
| 50 Day M A | 19.5602 | |
| Total Current Liabilities | 12 B | |
| Other Operating Expenses | 325.1 M | |
| Non Current Assets Total | 798.1 M | |
| Forward Price Earnings | 11.534 |
Complementary Tools for CVB Stock analysis
When running CVB Financial's price analysis, check to measure CVB Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy CVB Financial is operating at the current time. Most of CVB Financial's value examination focuses on studying past and present price action to predict the probability of CVB Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move CVB Financial's price. Additionally, you may evaluate how the addition of CVB Financial to your portfolios can decrease your overall portfolio volatility.
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