CVB Financial Financials

CVBF Stock  USD 19.86  0.09  0.46%   
CVB Financial may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, CVB Financial's Total Stockholder Equity is most likely to increase significantly in the upcoming years. The CVB Financial's current Property Plant And Equipment Net is estimated to increase to about 80.1 M, while Cash is projected to decrease to roughly 267.4 M. Key indicators impacting CVB Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.250.36
Way Down
Slightly volatile
Return On Assets0.01470.0159
Significantly Down
Pretty Stable
Return On Equity0.170.12
Significantly Up
Pretty Stable
Debt Equity Ratio1.461.15
Significantly Up
Slightly volatile
Operating Income426.5 M406.2 M
Sufficiently Up
Slightly volatile
Current Ratio0.01780.0187
Notably Down
Pretty Stable
Investors should never underestimate CVB Financial's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor CVB Financial's cash flow, debt, and profitability to make informed and accurate decisions about investing in CVB Financial.

Net Income

267.38 Million

  
Understanding current and past CVB Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of CVB Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in CVB Financial's assets may result in an increase in income on the income statement.

CVB Financial Stock Summary

CVB Financial competes with First Interstate, First Financial, Eagle Bancorp, Brookline Bancorp, and Kearny Financial. 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.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS1266001056
CUSIP126600105
LocationCalifornia; U.S.A
Business Address701 North Haven
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.cbbank.com
Phone909 980 4030
CurrencyUSD - US Dollar

CVB Financial Key Financial Ratios

CVB Financial Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets14.4B15.9B16.5B16.0B18.4B19.3B
Net Debt(2.0B)(1.8B)782.0M1.8B1.6B1.7B
Retained Earnings760.9M875.6M1.0B1.1B1.3B1.3B
Cash2.0B1.8B213.0M281.3M323.5M267.4M
Other Assets6.2B5.0B6.3B230.7M265.3M252.0M
Total Liab12.4B13.8B14.5B13.9B16.0B16.8B
Total Current Assets4.4B5.0B3.5B281.3M323.5M307.3M
Other Current Assets2.1B1.8B455.1M511.9M588.7M559.3M
Short Term Debt5M2.3M995M2.1B2.4B2.5B
Accounts Payable11.7B13.0B433K23.3M26.8M25.4M
Net Receivables45.5M45.9M81.1M301.3M346.5M363.9M
Common Stock2.0B2.1B2.3B1.3B1.5B885.1M
Other Liab96.1M204.6M130.7M106.8M122.8M79.2M
Inventory(2.1B)(1.8B)(455.1M)(129.9M)(117.0M)(122.8M)
Intangible Assets33.6M25.4M21.7M15.3M17.6M16.2M
Other Current Liab(5M)(2.3M)(1.2B)11.4B10.3B10.8B
Net Tangible Assets1.3B1.3B1.4B1.2B1.3B1.1B

CVB Financial Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense14.3M6.1M9.2M118.3M136.1M142.9M
Operating Income249.5M297.6M337.5M353.2M406.2M426.5M
Ebit242.6M291.2M327.5M310.3M356.9M374.7M
Ebitda258.9M305.9M342.0M328.5M377.8M396.6M
Net Income177.2M212.5M235.4M221.4M254.7M267.4M
Income Tax Expense72.4M85.1M92.9M94.0M108.1M113.5M
Total Revenue464.2M461.9M555.5M547.3M629.4M660.9M
Gross Profit464.2M461.9M555.5M665.7M765.5M803.8M
Income Before Tax249.5M297.6M328.3M315.4M362.7M380.9M
Tax Provision72.4M85.1M92.9M94.7M108.9M83.7M
Net Interest Income415.1M413.5M504.3M504.3M579.9M416.1M
Interest Income429.4M419.6M513.5M588.6M676.9M437.3M

CVB Financial Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash1.8B(225.6M)(1.5B)77.8M70.0M73.5M
Free Cash Flow180.4M190.6M268.4M291.1M334.8M351.5M
Depreciation(1.2M)(6.4M)13.7M18.2M20.9M21.9M
Other Non Cash Items335K(1.2M)26.5M11.2M12.9M13.5M
Dividends Paid98.5M97.7M104.4M(111.7M)(128.4M)(122.0M)
Capital Expenditures4.7M4.7M5.4M4.5M5.2M5.3M
Net Income177.2M212.5M235.4M221.4M254.7M267.4M
End Period Cash Flow2.0B1.7B203.5M281.3M323.5M276.0M
Investments(1.9B)(3.5B)(1.2B)328.6M295.7M310.5M
Net Borrowings(293.6M)15.7M174.5M915.8M1.1B1.1B
Change To Netincome5K365K(17.3M)34.4M39.6M41.6M

CVB Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining CVB Financial's current stock value. Our valuation model uses many indicators to compare CVB Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across CVB Financial competition to find correlations between indicators driving CVB Financial's intrinsic value. More Info.
CVB Financial is rated below average in return on equity category among its peers. It is rated fifth in return on asset category among its peers reporting about  0.14  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for CVB Financial is roughly  7.29 . At this time, CVB Financial's Return On Equity is most likely to slightly decrease in the upcoming years. Comparative valuation analysis is a catch-all technique that is used if you cannot value CVB Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

CVB Financial Systematic Risk

CVB Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. CVB Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on CVB Financial correlated with the market. If Beta is less than 0 CVB Financial generally moves in the opposite direction as compared to the market. If CVB Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one CVB Financial is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of CVB Financial is generally in the same direction as the market. If Beta > 1 CVB Financial moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in CVB Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various CVB Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of CVB Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(2.0)

At this time, CVB Financial's Price Earnings To Growth Ratio is most likely to slightly decrease in the upcoming years.

CVB Financial February 27, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of CVB Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of CVB Financial. We use our internally-developed statistical techniques to arrive at the intrinsic value of CVB Financial based on widely used predictive technical indicators. In general, we focus on analyzing CVB Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build CVB Financial's daily price indicators and compare them against related drivers.

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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