NASDAQ
CVBF
Last Price
US $23.11
KEY FIGURES
MKT CAP
$3.0B
EPS
TTM
$1.52
PEG
TTM
4.34x
P/E
TTM
14.87x
P/S
TTM
4.74x
YIELD
3.56%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
9.16%
Return on equity
ROIC: 1.35%
Valuation History
14.9X
Price to Earnings
EV/EBITDA: 13.2X
Cash flow
Profit margin
6.10%
(FY vs FY)
EBITDA Y/Y
3.60%
(FY vs FY)
Cash flow Y/Y
3.79%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $23.11
-32.89%
Default assumptions
EBITDA Multiple
Fair Value
Market $23.11
-65.30%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
CVB Financial Corp. cash flow to debt ratio of 22.35% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial risk - Healthy cash flow growth.
CVB Financial Corp.'s free cash flow has decreased -11.15% from $244.63M last year to $217.34M, signaling decreasing performance
Financial stability - Healthy debt to equity ratio.
CVB Financial Corp.'s debt to equity ratio is 0.43, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial risk - Healthy debt to equity ratio development.
CVB Financial Corp.'s debt has increased relative to shareholder equity from 0.35 last year to 0.43 today, signaling weakened financials
Financial stability - Net debt/EBITDA.
CVB Financial Corp. has a net debt to EBITDA ratio of 2.98x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
CVB Financial Corp. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
CVB Financial Corp.'s profit margin has increased (6.31%) in the last year from 30.47% to 32.40%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
CVB Financial Corp.'s short-term liabilities of $11.99G exceed its short-term assets of $154.23M, signaling financial risk
Decreasing performance - ROA.
CVB Financial Corp.'s return on assets of 1.35% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
CVB Financial Corp.'s return on equity of 9.16%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
CVB Financial Corp.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
CVB Financial Corp. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
CVB Financial Corp. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
CVB Financial Corp. has a free cash flow yield of 7.13%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
CVB Financial Corp.'s yearly earnings has increased 4.28% since last year from $200.72M to $209.30M, signaling increasing performance
Decreasing performance - Healthy revenue growth.
CVB Financial Corp.'s yearly revenue has decreased -7.64% since last year from $658.69M to $608.35M, signaling decreasing performance
Decreasing performance - ROIC.
ROIC 1.35% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
CVB Financial Corp.'s 3-year revenue CAGR of 4.61% is positive, indicating growing revenue over the past 3 years
Decreasing performance - Revenue consistency.
CVB Financial Corp. had revenue growth in only 2.00 out of 5 years, indicating inconsistent revenue performance
Increasing performance - ROE consistency.
CVB Financial Corp. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
CVB Financial Corp. is overvalued relative to its fair value price of 15.51 based on Discounted Cash Flow model
Undervalued - Earnings yield.
CVB Financial Corp. has an earnings yield of 6.77%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
CVB Financial Corp. is overvalued relative to its fair value price of 8.02 based on EBITDA multiple model
Undervalued - EV/EBITDA.
CVB Financial Corp. has an EV/EBITDA ratio of 13.22x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Overvalued - PEG ratio value.
CVB Financial Corp. has a PEG-ratio over 1 which is considered overvalued
Undervalued - P/B ratio.
CVB Financial Corp. has a price-to-book ratio of 1.33x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
CVB Financial Corp. has a price-to-sales ratio of 4.72x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue