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CVB Financial Corp. (CVBF) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

CVB Financial Corp.

CVBFMarket cap $3.85BPrice $21.9

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs Citizens Business Bank, a California lender serving small and mid-sized businesses with deposit, lending, and trust services. It's stayed profitable every single quarter for over 30 years straight — a streak most banks can't touch.

In Bastion Portfolios?

52W Return+21%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)-1%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+18%–

Rev CAGR (5y)+11%8

Earnings Forecast

EPS Growth Y+1+6%5

EPS Growth Y+2+20%8

EPS Growth Y+3+6%5

Quality

Margins

EBIT Margin0%4

Net Income Margin36%9

Free Cash Flow Margin100%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE8%4

ROA1%3

Earnings Stability55

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)127

P/E Ratio (Forward 3y)117

P/BV1.29

EV Multiples

EV/EBITDA Fwd07

EV/EBIT Fwd07

Yield

Free Cash Flow Yield0.0%6

Dividend Yield3.7%8

Momentum

Short term

1 month return-2%6

3 month return-1%6

YTD return+21%8

Mid term

Price vs 52wHigh94%9

1 year return+20%7

Long term

3 year return+52%6

5 year return+32%5

Risk Shield

Price Risk

Beta0.86

Volatility24%9

Free Cash Flow

Free Cash Flow Margin100%10

Free Cash Flow Yield0.0%6

Quality

ROCE9%3

Earnings Stability55

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

CVBFCVB Financial

Revenue FY25$515M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR-1%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+18%–

Revenue, next 5Y, CAGR+11%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+6%5

EPS growth, FY27E+20%8

EPS growth, FY28E+6%5

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 18%/yr over the next 3 years, ahead of most of the market.8/10

After shrinking over the last 3 years, revenue is set to grow 18%/yr from here.

The runway holds up: revenue is set to grow 11%/yr over five years.8/10

WATCH

Earnings are set to grow slower than sales (EPS about 6%/yr vs revenue 18%/yr), so margins are under pressure.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's turning around. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG67 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%6

3-month return-1%6

YTD return+21%8

MID & LONG-TERM▾SCORE

% of 52-week high94%9

1-year return+20%7

3-year return+52%6

5-year return+32%5

MOMENTUM ASSESSMENT

STRENGTHS

It's up 20% over the past year, now 6% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming so far this year (+21%).

WATCH

Average long-term results. Multi-year returns are middling (+52% over three years and +32% over five), roughly average for the market.

Returns sit at the market level over the past month (-2%) and over three months (-1%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on CVB Financial Corp.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

CVBFCVB Financial

Revenue FY25$515M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR-1%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+18%–

Revenue, next 5Y, CAGR+11%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+6%5

EPS growth, FY27E+20%8

EPS growth, FY28E+6%5

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 18%/yr over the next 3 years, ahead of most of the market.8/10

After shrinking over the last 3 years, revenue is set to grow 18%/yr from here.

The runway holds up: revenue is set to grow 11%/yr over five years.8/10

WATCH

Earnings are set to grow slower than sales (EPS about 6%/yr vs revenue 18%/yr), so margins are under pressure.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's turning around. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG67 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%6

3-month return-1%6

YTD return+21%8

MID & LONG-TERM▾SCORE

% of 52-week high94%9

1-year return+20%7

3-year return+52%6

5-year return+32%5

MOMENTUM ASSESSMENT

STRENGTHS

It's up 20% over the past year, now 6% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming so far this year (+21%).

WATCH

Average long-term results. Multi-year returns are middling (+52% over three years and +32% over five), roughly average for the market.

Returns sit at the market level over the past month (-2%) and over three months (-1%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on CVB Financial Corp.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community