CVB Financial Corp. (CVBF)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 464 | 462 | 553 | 547 | 476 | 510 | 567 | - |
| Operating profit | $m | 282 | 277 | ||||||
| Net profit | $m | 177 | 213 | 235 | 221 | 201 | 209 | 207 | 205 |
| EPS reported | $ | 1.52 | 1.52 | ||||||
| Operating cashflow per share | $ | 1.63 | 4.24 | ||||||
| Capex per share | $ | 0.03 | 0.03 | ||||||
| FCF per share | $ | 1.60 | 4.21 | ||||||
| Free cash flow | $m | 217 | 572 | ||||||
| Net debt | $m | 883 | -5,678 | ||||||
| Book value equity | $m | 2,295 | 3,170 | ||||||
| Book value per share | $ | 16.89 | 23.32 | ||||||
| Number of shares | m | 135.92 | 135.92 | ||||||
| DPS (TTM paid) | $ | 0.80 | 0.80 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 12.24 | 14.60 | ||||||
| P/B LTM | x | 1.10 | 0.80 | ||||||
| P/S LTM | x | 4.95 | 4.46 | ||||||
| P/FCF LTM | x | 11.63 | 4.42 | ||||||
| EV/EBITDA LTM | x | 11.51 | 11.70 | ||||||
| EV/Sales LTM | x | 5.30 | 4.59 | ||||||
| Earnings Yield LTM | % | +8.17% | +6.85% | ||||||
| FCF Yield | % | +8.60% | +22.65% | ||||||
| Quality | |||||||||
| ROE | % | +9.12% | +8.22% | ||||||
| ROIC | % | +5.06% | +4.23% | ||||||
| Operating margin | % | +43.78% | +39.23% | ||||||
| Gross margin | % | +79.87% | +80.05% | ||||||
| FCF/Sales | % | +33.78% | +81.10% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +5.56% | +5.56% | ||||||
| Sales Growth YoY | % | +7.23% | +19.16% | ||||||
| Net Income Growth YoY | % | +4.28% | +3.08% | ||||||
| FCF Growth | % | -11.15% | +134.03% | ||||||
| Operating Profit Growth | % | +3.85% | +2.11% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +4.39% | +3.54% | ||||||
| Dividend Growth | % | -20.00% | -20.00% | ||||||
| Payout Ratio | % | +53.72% | +52.77% | ||||||
| FCF/Debt | x | 0.22 | 0.52 | ||||||
| Net Debt/EBITDA | x | 2.98 | -0.01 | ||||||
| EBIT/Net interest | x | 2.12 | 1.99 | ||||||
| Net debt/market cap | % | +39.18% | +33.98% | ||||||
| Net debt/Equity | x | 0.38 | -1.79 | ||||||
| Gross debt/equity | x | 0.43 | 0.35 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
CVB Financial Corp. (CVBF) serves as the parent organization for Citizens Business Bank, a state-chartered financial institution that delivers a broad spectrum of banking and financial services. The bank primarily caters to individuals and small to medium-sized businesses. Its product offerings include a full range of deposit accounts, such as checking, savings, money market accounts, and certificates of deposit (CDs), available for both personal and business clients. Citizens Business Bank also functions as an authorized depository for federal tax payments. On the lending side, CVBF provides diverse commercial financing options, including lines of credit, working capital solutions, accounts receivable financing, and letters of credit. It extends specialized agricultural loans to support the operational needs of wholesale dairy farms, cattle feeders, livestock raisers, and other farmers. The bank also facilitates lease financing for municipal governments and offers loans for commercial real estate and construction projects. For individual consumers, financing products encompass automobile leases and loans, lines of credit, credit cards, home mortgages, and home equity lines of credit (HELOCs). Beyond core banking, the company delivers various specialized services, such as treasury management systems for cash flow monitoring, merchant card processing, secure armored pick-up and delivery, payroll solutions, remote check deposit, and a suite of electronic fund transfer capabilities including wires, ACH, and comprehensive online account access. Through its CitizensTrust Division, CVBF offers trust and wealth management services, which cover fiduciary duties, mutual funds, annuities, 401(k) plans, and individual investment accounts. As of December 31, 2021, the company maintained an extensive network of 58 banking centers across key California regions, including the Inland Empire, Los Angeles, Orange, San Diego, Ventura, Santa Barbara, and Central Valley counties. Additionally, it operated three dedicated trust offices in Ontario, Newport Beach, and Pasadena, alongside two loan production offices situated in California's Central Valley and Sacramento areas. CVB Financial Corp. was established in 1974 and has its headquarters in Ontario, California.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
CVB Financial Corp. (CVBF)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
CVB Financial Corp. (CVBF) serves as the parent organization for Citizens Business Bank, a state-chartered financial institution that delivers a broad spectrum of banking and financial services. The bank primarily caters to individuals and small to medium-sized businesses. Its product offerings include a full range of deposit accounts, such as checking, savings, money market accounts, and certificates of deposit (CDs), available for both personal and business clients. Citizens Business Bank also functions as an authorized depository for federal tax payments. On the lending side, CVBF provides diverse commercial financing options, including lines of credit, working capital solutions, accounts receivable financing, and letters of credit. It extends specialized agricultural loans to support the operational needs of wholesale dairy farms, cattle feeders, livestock raisers, and other farmers. The bank also facilitates lease financing for municipal governments and offers loans for commercial real estate and construction projects. For individual consumers, financing products encompass automobile leases and loans, lines of credit, credit cards, home mortgages, and home equity lines of credit (HELOCs). Beyond core banking, the company delivers various specialized services, such as treasury management systems for cash flow monitoring, merchant card processing, secure armored pick-up and delivery, payroll solutions, remote check deposit, and a suite of electronic fund transfer capabilities including wires, ACH, and comprehensive online account access. Through its CitizensTrust Division, CVBF offers trust and wealth management services, which cover fiduciary duties, mutual funds, annuities, 401(k) plans, and individual investment accounts. As of December 31, 2021, the company maintained an extensive network of 58 banking centers across key California regions, including the Inland Empire, Los Angeles, Orange, San Diego, Ventura, Santa Barbara, and Central Valley counties. Additionally, it operated three dedicated trust offices in Ontario, Newport Beach, and Pasadena, alongside two loan production offices situated in California's Central Valley and Sacramento areas. CVB Financial Corp. was established in 1974 and has its headquarters in Ontario, California.
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