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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 16.58
CVBF's Cash to Debt is ranked higher than
67% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. CVBF: 16.58 )
Ranked among companies with meaningful Cash to Debt only.
CVBF' s 10-Year Cash to Debt Range
Min: 0.04  Med: 0.36 Max: 216.75
Current: 16.58
0.04
216.75
Equity to Asset 0.12
CVBF's Equity to Asset is ranked higher than
68% of the 1290 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CVBF: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
CVBF' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.08 Max: 0.12
Current: 0.12
0.06
0.12
Interest Coverage 9.93
CVBF's Interest Coverage is ranked higher than
91% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CVBF: 9.93 )
Ranked among companies with meaningful Interest Coverage only.
CVBF' s 10-Year Interest Coverage Range
Min: 0.46  Med: 1.19 Max: 9.93
Current: 9.93
0.46
9.93
F-Score: 3
WACC vs ROIC
14.54%
13.20%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 52.12
CVBF's Operating margin (%) is ranked higher than
88% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. CVBF: 52.12 )
Ranked among companies with meaningful Operating margin (%) only.
CVBF' s 10-Year Operating margin (%) Range
Min: 27.41  Med: 46.33 Max: 59.73
Current: 52.12
27.41
59.73
Net-margin (%) 33.34
CVBF's Net-margin (%) is ranked higher than
80% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. CVBF: 33.34 )
Ranked among companies with meaningful Net-margin (%) only.
CVBF' s 10-Year Net-margin (%) Range
Min: 19.65  Med: 30.53 Max: 39.58
Current: 33.34
19.65
39.58
ROE (%) 10.67
CVBF's ROE (%) is ranked higher than
68% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. CVBF: 10.67 )
Ranked among companies with meaningful ROE (%) only.
CVBF' s 10-Year ROE (%) Range
Min: 9.82  Med: 18.56 Max: 21.55
Current: 10.67
9.82
21.55
ROA (%) 1.25
CVBF's ROA (%) is ranked higher than
77% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CVBF: 1.25 )
Ranked among companies with meaningful ROA (%) only.
CVBF' s 10-Year ROA (%) Range
Min: 0.96  Med: 1.42 Max: 1.76
Current: 1.25
0.96
1.76
ROC (Joel Greenblatt) (%) 422.87
CVBF's ROC (Joel Greenblatt) (%) is ranked higher than
89% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. CVBF: 422.87 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CVBF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 6.36  Med: 31.46 Max: 490.19
Current: 422.87
6.36
490.19
Revenue Growth (3Y)(%) 0.30
CVBF's Revenue Growth (3Y)(%) is ranked lower than
58% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. CVBF: 0.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CVBF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -8.3  Med: 8.60 Max: 14
Current: 0.3
-8.3
14
EBITDA Growth (3Y)(%) 7.70
CVBF's EBITDA Growth (3Y)(%) is ranked higher than
52% of the 1011 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. CVBF: 7.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CVBF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -8.4  Med: 10.50 Max: 24.4
Current: 7.7
-8.4
24.4
EPS Growth (3Y)(%) 7.90
CVBF's EPS Growth (3Y)(%) is ranked lower than
54% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. CVBF: 7.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CVBF' s 10-Year EPS Growth (3Y)(%) Range
Min: -11.8  Med: 12.00 Max: 23.9
Current: 7.9
-11.8
23.9
» CVBF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q4 2013

CVBF Guru Trades in Q4 2013

Caxton Associates Sold Out
Jim Simons Sold Out
» More
Q2 2014

CVBF Guru Trades in Q2 2014

Joel Greenblatt 10,885 sh (New)
» More
Q3 2014

CVBF Guru Trades in Q3 2014

Joel Greenblatt 10,180 sh (-6.48%)
» More
Q4 2014

CVBF Guru Trades in Q4 2014

Joel Greenblatt Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with CVBF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 20.46
CVBF's P/E(ttm) is ranked lower than
77% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. CVBF: 20.46 )
Ranked among companies with meaningful P/E(ttm) only.
CVBF' s 10-Year P/E(ttm) Range
Min: 7.92  Med: 15.14 Max: 22.97
Current: 20.46
7.92
22.97
Forward P/E 15.65
CVBF's Forward P/E is ranked lower than
82% of the 750 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. CVBF: 15.65 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 21.00
CVBF's PE(NRI) is ranked lower than
77% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. CVBF: 21.00 )
Ranked among companies with meaningful PE(NRI) only.
CVBF' s 10-Year PE(NRI) Range
Min: 7.86  Med: 15.12 Max: 22.87
Current: 21
7.86
22.87
P/B 2.09
CVBF's P/B is ranked lower than
90% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. CVBF: 2.09 )
Ranked among companies with meaningful P/B only.
CVBF' s 10-Year P/B Range
Min: 0.86  Med: 1.89 Max: 4.29
Current: 2.09
0.86
4.29
P/S 6.81
CVBF's P/S is ranked lower than
90% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. CVBF: 6.81 )
Ranked among companies with meaningful P/S only.
CVBF' s 10-Year P/S Range
Min: 1.64  Med: 4.79 Max: 8.35
Current: 6.81
1.64
8.35
PFCF 21.75
CVBF's PFCF is ranked lower than
78% of the 825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. CVBF: 21.75 )
Ranked among companies with meaningful PFCF only.
CVBF' s 10-Year PFCF Range
Min: 5.34  Med: 13.23 Max: 23.05
Current: 21.75
5.34
23.05
POCF 21.48
CVBF's POCF is ranked lower than
84% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. CVBF: 21.48 )
Ranked among companies with meaningful POCF only.
CVBF' s 10-Year POCF Range
Min: 5.06  Med: 12.19 Max: 22.04
Current: 21.48
5.06
22.04
EV-to-EBIT 10.66
CVBF's EV-to-EBIT is ranked higher than
69% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. CVBF: 10.66 )
Ranked among companies with meaningful EV-to-EBIT only.
CVBF' s 10-Year EV-to-EBIT Range
Min: 7.6  Med: 18.80 Max: 38.3
Current: 10.66
7.6
38.3
PEG 2.19
CVBF's PEG is ranked lower than
74% of the 542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. CVBF: 2.19 )
Ranked among companies with meaningful PEG only.
CVBF' s 10-Year PEG Range
Min: 0.99  Med: 1.85 Max: 74.05
Current: 2.19
0.99
74.05
Shiller P/E 21.87
CVBF's Shiller P/E is ranked lower than
68% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.62 vs. CVBF: 21.87 )
Ranked among companies with meaningful Shiller P/E only.
CVBF' s 10-Year Shiller P/E Range
Min: 6.49  Med: 15.12 Max: 29.65
Current: 21.87
6.49
29.65
Days Sales Outstanding 50.34
CVBF's Days Sales Outstanding is ranked lower than
63% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 35.19 vs. CVBF: 50.34 )
Ranked among companies with meaningful Days Sales Outstanding only.
CVBF' s 10-Year Days Sales Outstanding Range
Min: 27.28  Med: 40.46 Max: 365.91
Current: 50.34
27.28
365.91

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.39
CVBF's Dividend Yield is ranked lower than
56% of the 2112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. CVBF: 2.39 )
Ranked among companies with meaningful Dividend Yield only.
CVBF' s 10-Year Dividend Yield Range
Min: 1.73  Med: 2.92 Max: 6.55
Current: 2.39
1.73
6.55
Dividend Payout 0.49
CVBF's Dividend Payout is ranked lower than
73% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.24 vs. CVBF: 0.49 )
Ranked among companies with meaningful Dividend Payout only.
CVBF' s 10-Year Dividend Payout Range
Min: 0.18  Med: 0.40 Max: 0.94
Current: 0.49
0.18
0.94
Dividend growth (3y) 5.60
CVBF's Dividend growth (3y) is ranked lower than
55% of the 640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CVBF: 5.60 )
Ranked among companies with meaningful Dividend growth (3y) only.
CVBF' s 10-Year Dividend growth (3y) Range
Min: -7.2  Med: 12.30 Max: 59
Current: 5.6
-7.2
59
Yield on cost (5-Year) 2.85
CVBF's Yield on cost (5-Year) is ranked lower than
53% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.91 vs. CVBF: 2.85 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CVBF' s 10-Year Yield on cost (5-Year) Range
Min: 2.05  Med: 3.47 Max: 7.78
Current: 2.85
2.05
7.78
Share Buyback Rate -0.20
CVBF's Share Buyback Rate is ranked higher than
68% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. CVBF: -0.20 )
Ranked among companies with meaningful Share Buyback Rate only.
CVBF' s 10-Year Share Buyback Rate Range
Min: 2.3  Med: -0.50 Max: -8.1
Current: -0.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.28
CVBF's Price/Tangible Book is ranked lower than
88% of the 1331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. CVBF: 2.28 )
Ranked among companies with meaningful Price/Tangible Book only.
CVBF' s 10-Year Price/Tangible Book Range
Min: 1.14  Med: 2.61 Max: 4.42
Current: 2.28
1.14
4.42
Price/Projected FCF 1.09
CVBF's Price/Projected FCF is ranked lower than
80% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. CVBF: 1.09 )
Ranked among companies with meaningful Price/Projected FCF only.
CVBF' s 10-Year Price/Projected FCF Range
Min: 0.42  Med: 0.99 Max: 1.55
Current: 1.09
0.42
1.55
Price/Median PS Value 1.42
CVBF's Price/Median PS Value is ranked lower than
82% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. CVBF: 1.42 )
Ranked among companies with meaningful Price/Median PS Value only.
CVBF' s 10-Year Price/Median PS Value Range
Min: 0.39  Med: 0.96 Max: 1.64
Current: 1.42
0.39
1.64
Price/Peter Lynch Fair Value 2.04
CVBF's Price/Peter Lynch Fair Value is ranked lower than
86% of the 357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. CVBF: 2.04 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CVBF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.54  Med: 1.15 Max: 2.66
Current: 2.04
0.54
2.66
Price/Graham Number 1.44
CVBF's Price/Graham Number is ranked lower than
87% of the 1154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. CVBF: 1.44 )
Ranked among companies with meaningful Price/Graham Number only.
CVBF' s 10-Year Price/Graham Number Range
Min: 0.58  Med: 1.32 Max: 2.02
Current: 1.44
0.58
2.02
Earnings Yield (Greenblatt) (%) 9.70
CVBF's Earnings Yield (Greenblatt) (%) is ranked higher than
72% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CVBF: 9.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CVBF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.6  Med: 5.30 Max: 13.1
Current: 9.7
2.6
13.1
Forward Rate of Return (Yacktman) (%) 15.91
CVBF's Forward Rate of Return (Yacktman) (%) is ranked higher than
55% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. CVBF: 15.91 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CVBF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 2.5  Med: 9.30 Max: 21.6
Current: 15.91
2.5
21.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:BCV.Germany,
CVB Financial Corp was incorporated in California on April 27, 1981. It is a bank holding company engaged in the business to serve as a holding company for the Bank and for other banking or banking related subsidiaries. It operates in two reportable operating segments: Business Financial and Commercial Banking Centers and Treasury. Its Centers are the focal points for customer sales and services. The Business Financial and Commercial Banking Centers lines of business generally consist of loans, deposits, and fee generating products and services that the Bank offers to its clients and prospects. Treasury manages the investment portfolio of the Company. The Company has 38 Business Financial Centers located in the Inland Empire, Los Angeles County, Orange County and the Central Valley areas of California. The Bank also has six Commercial Banking Centers. Through its network of banking offices, it emphasizes personalized service combined with a full range of banking and trust services for businesses, professionals and individuals located in the service areas of its offices. It offers a range of deposit instruments. These include checking, savings, money market and time certificates of deposit for both business and personal accounts. It also serves as a federal tax depository for its business customers. It provides a full complement of lending products, including commercial, dairy & livestock, agribusiness, consumer, real estate loans and equipment and vehicle leasing. Commercial products include lines of credit and other working capital financing, accounts receivable lending and letters of credit. Agribusiness products are loans to finance the operating needs of wholesale dairy farm operations, cattle feeders, livestock raisers, and farmers. It provides bank qualified lease financing for municipal governments. Financial products for consumers include automobile leasing and financing, lines of credit, credit cards and home equity loans and lines of credit. Real estate loans include mortgage and construction loans. It also offers a range of specialized services, designed for the needs of its commercial accounts. These services include cash management systems for monitoring cash flow, a credit card program for merchants, courier pick-up and delivery, payroll services, remote deposit capture, electronic funds transfers by way of domestic and international wires and automated clearinghouse, and on-line account access. It offers a range of financial services and trust services, through its CitizensTrust division. These services include fiduciary services, mutual funds, annuities, 401(k) plans and individual investment accounts. The Company competes for loans, deposits, and customers with other commercial banks, savings and loan associations, savings banks, securities and brokerage companies, mortgage companies, insurance companies, finance companies, money market funds, credit unions, and other nonbank financial service providers. The Comp
» More Articles for CVBF

Headlines

Articles On GuruFocus.com
My 4 Favorite Stocks With Recent Dividend Growth Jun 23 2013 
My 3 Favorite High-Yielding Ex-Dividend Stocks for April and 45 Additional to Consider Mar 29 2013 
High-Yield Stocks with Ex-Dividend Date October 2011 Sep 29 2011 
CVB Financial Corp. (CVBF) President & CEO Christopher D Myers sells 22,000 Shares Dec 13 2010 
CVB Financial Corp. (CVBF) President & CEO Christopher D Myers sells 25,000 Shares Sep 17 2010 
CVB Financial Corp. (CVBF) EVP COO David C Harvey buys 2,000 Shares Aug 13 2010 
Meridian Funds Buys Steelcase Inc., W.W. Grainger Inc., Monsanto Company, Sells Adobe Systems Inc., Aug 05 2010 
CVB Financial Corp. (CVBF) President & CEO Christopher D Myers sells 5,500 Shares Aug 04 2010 
CVB Financial Corp. Reports Operating Results (10-Q) May 10 2010 
CVB Financial Corp. (CVBF) CFO Holding Company Edward Jr Biebrich sells 10,000 Shares Apr 27 2010 

More From Other Websites
CVB Financial Corp. Announces Second Quarter 2015 Earnings Release Date, Conference Call and Webcast Jul 01 2015
CVB Financial Corp. Announces 103rd Consecutive Cash Dividend Jun 24 2015
CVB Financial Corp. Announces 103rd Consecutive Cash Dividend Jun 24 2015
Coverage initiated on CVB Financial by Piper Jaffray Jun 12 2015
CVB FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Other Events, Financial Statements... Jun 05 2015
CVB Financial Corp. to Meet With Investors in Boston and New York City Jun 04 2015
CVB Financial Corp. to Meet With Investors in Boston and New York City Jun 04 2015
CVB FINANCIAL CORP Files SEC form 8-K, Other Events May 22 2015
CVB FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 21 2015
CVB FINANCIAL CORP Financials May 19 2015
10-Q for CVB Financial Corp. May 13 2015
CVB FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Other Events, Financial Statements... May 11 2015
CVB FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 11 2015
CVB Financial Corp. to Present at the D.A. Davidson 17th Annual Financial Institutions Conference May 08 2015
CVB Financial Corp. to Present at the D.A. Davidson 17th Annual Financial Institutions Conference May 08 2015
CVB FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 23 2015
CVB Financial Corp. Reports First Quarter Earnings for 2015 Apr 22 2015
CVB Financial beats 1Q profit forecasts Apr 22 2015
CVB Financial beats 1Q profit forecasts Apr 22 2015
CVB Financial Corp. Reports First Quarter Earnings for 2015 Apr 22 2015

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