NASDAQ
CVBF
Last Price
US $23.25
KEY FIGURES
MKT CAP
$3.3B
EPS
TTM
$1.50
PEG
TTM
5.51x
P/E
TTM
15.46x
P/S
TTM
4.53x
YIELD
3.44%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
8.22%
Return on equity
ROIC: 4.23%
Valuation History
15.1X
Price to Earnings
EV/EBITDA: 11.4X
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 $23.25
-33.29%
Default assumptions
EBITDA Multiple
Fair Value
Market $23.25
-65.51%
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 0.35, 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 0.35 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 risk - Profit margin growth.
CVB Financial Corp.'s profit margin has decreased (-3.82%) in the last year from 30.47% to 29.31%, signaling decreasing 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 0.98% 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 8.22%, 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 6.52%, 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 4.23% (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 6.47%, 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 14.23x, 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 1.01x, 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 4.53x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue