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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 1.15
CVBF's Cash to Debt is ranked higher than
74% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. CVBF: 1.15 )
CVBF' s 10-Year Cash to Debt Range
Min: 0.04   Max: No Debt
Current: 1.15

Equity to Asset 0.11
CVBF's Equity to Asset is ranked higher than
79% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CVBF: 0.11 )
CVBF' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.12
Current: 0.11

0.06
0.12
Interest Coverage 8.74
CVBF's Interest Coverage is ranked higher than
95% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. CVBF: 8.74 )
CVBF' s 10-Year Interest Coverage Range
Min: 0.46   Max: 8.74
Current: 8.74

0.46
8.74
F-Score: 6
Z-Score: 0.33
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 (%) 61.46
CVBF's Operating margin (%) is ranked higher than
97% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. CVBF: 61.46 )
CVBF' s 10-Year Operating margin (%) Range
Min: 27.41   Max: 59.73
Current: 61.46

27.41
59.73
Net-margin (%) 39.46
CVBF's Net-margin (%) is ranked higher than
94% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. CVBF: 39.46 )
CVBF' s 10-Year Net-margin (%) Range
Min: 19.65   Max: 39.58
Current: 39.46

19.65
39.58
ROE (%) 12.84
CVBF's ROE (%) is ranked higher than
90% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. CVBF: 12.84 )
CVBF' s 10-Year ROE (%) Range
Min: 9.82   Max: 21.55
Current: 12.84

9.82
21.55
ROA (%) 1.48
CVBF's ROA (%) is ranked higher than
93% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CVBF: 1.48 )
CVBF' s 10-Year ROA (%) Range
Min: 0.96   Max: 1.76
Current: 1.48

0.96
1.76
ROC (Joel Greenblatt) (%) 478.62
CVBF's ROC (Joel Greenblatt) (%) is ranked higher than
96% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. CVBF: 478.62 )
CVBF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 6.36   Max: 424.89
Current: 478.62

6.36
424.89
Revenue Growth (%) -8.30
CVBF's Revenue Growth (%) is ranked higher than
58% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CVBF: -8.30 )
CVBF' s 10-Year Revenue Growth (%) Range
Min: -9.5   Max: 15
Current: -8.3

-9.5
15
EBITDA Growth (%) 15.00
CVBF's EBITDA Growth (%) is ranked higher than
84% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CVBF: 15.00 )
CVBF' s 10-Year EBITDA Growth (%) Range
Min: -8.4   Max: 24.4
Current: 15

-8.4
24.4
EPS Growth (%) 15.50
CVBF's EPS Growth (%) is ranked higher than
82% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. CVBF: 15.50 )
CVBF' s 10-Year EPS Growth (%) Range
Min: -11.8   Max: 23.9
Current: 15.5

-11.8
23.9
» CVBF's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

CVBF Guru Trades in Q3 2013

Caxton Associates 183,200 sh (unchged)
Jim Simons 12,594 sh (-95.42%)
» More
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
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2014-06-30 New Buy$13.99 - $16.26 $ 15.755%10885
Meridian Funds 2012-09-30 Reduce -40.14%0.23%$11.47 - $12.74 $ 15.7532%879495
Meridian Funds 2012-06-30 Reduce -30.75%0.23%$10.25 - $11.85 $ 15.7541%1469150
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 16.00
CVBF's P/E(ttm) is ranked higher than
77% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. CVBF: 16.00 )
CVBF' s 10-Year P/E(ttm) Range
Min: 7.92   Max: 22.97
Current: 16

7.92
22.97
P/B 2.00
CVBF's P/B is ranked higher than
64% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. CVBF: 2.00 )
CVBF' s 10-Year P/B Range
Min: 0.86   Max: 4.29
Current: 2

0.86
4.29
P/S 6.30
CVBF's P/S is ranked higher than
63% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. CVBF: 6.30 )
CVBF' s 10-Year P/S Range
Min: 1.64   Max: 8.35
Current: 6.3

1.64
8.35
PFCF 15.90
CVBF's PFCF is ranked higher than
80% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CVBF: 15.90 )
CVBF' s 10-Year PFCF Range
Min: 5.39   Max: 23.05
Current: 15.9

5.39
23.05
EV-to-EBIT 10.11
CVBF's EV-to-EBIT is ranked higher than
88% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. CVBF: 10.11 )
CVBF' s 10-Year EV-to-EBIT Range
Min: 7.8   Max: 38.3
Current: 10.11

7.8
38.3
PEG 1.99
CVBF's PEG is ranked higher than
86% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CVBF: 1.99 )
CVBF' s 10-Year PEG Range
Min: 0.94   Max: 78.27
Current: 1.99

0.94
78.27
Shiller P/E 20.00
CVBF's Shiller P/E is ranked higher than
85% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CVBF: 20.00 )
CVBF' s 10-Year Shiller P/E Range
Min: 6.49   Max: 29.65
Current: 20

6.49
29.65

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.50
CVBF's Dividend Yield is ranked higher than
57% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. CVBF: 2.50 )
CVBF' s 10-Year Dividend Yield Range
Min: 1.73   Max: 6.55
Current: 2.5

1.73
6.55
Dividend Payout 0.41
CVBF's Dividend Payout is ranked higher than
71% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. CVBF: 0.41 )
CVBF' s 10-Year Dividend Payout Range
Min: 0.18   Max: 0.94
Current: 0.41

0.18
0.94
Dividend growth (3y) 4.20
CVBF's Dividend growth (3y) is ranked higher than
76% of the 1127 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. CVBF: 4.20 )
CVBF' s 10-Year Dividend growth (3y) Range
Min: -7.2   Max: 59
Current: 4.2

-7.2
59
Yield on cost (5-Year) 2.94
CVBF's Yield on cost (5-Year) is ranked higher than
57% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. CVBF: 2.94 )
CVBF' s 10-Year Yield on cost (5-Year) Range
Min: 1.96   Max: 7.41
Current: 2.94

1.96
7.41
Share Buyback Rate 0.30
CVBF's Share Buyback Rate is ranked higher than
89% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. CVBF: 0.30 )
CVBF' s 10-Year Share Buyback Rate Range
Min: 2.3   Max: -8.1
Current: 0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.16
CVBF's Price/Tangible Book is ranked higher than
66% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. CVBF: 2.16 )
CVBF' s 10-Year Price/Tangible Book Range
Min: 1.14   Max: 8.94
Current: 2.16

1.14
8.94
Price/DCF (Projected) 0.99
CVBF's Price/DCF (Projected) is ranked higher than
79% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. CVBF: 0.99 )
CVBF' s 10-Year Price/DCF (Projected) Range
Min: 0.42   Max: 1.55
Current: 0.99

0.42
1.55
Price/Median PS Value 1.29
CVBF's Price/Median PS Value is ranked higher than
71% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. CVBF: 1.29 )
CVBF' s 10-Year Price/Median PS Value Range
Min: 0.38   Max: 1.61
Current: 1.29

0.38
1.61
Price/Peter Lynch Fair Value 2.16
CVBF's Price/Peter Lynch Fair Value is ranked higher than
89% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CVBF: 2.16 )
CVBF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.54   Max: 3.01
Current: 2.16

0.54
3.01
Price/Graham Number 1.24
CVBF's Price/Graham Number is ranked higher than
71% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. CVBF: 1.24 )
CVBF' s 10-Year Price/Graham Number Range
Min: 0.58   Max: 3.93
Current: 1.24

0.58
3.93
Earnings Yield (Greenblatt) 9.90
CVBF's Earnings Yield (Greenblatt) is ranked higher than
86% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CVBF: 9.90 )
CVBF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.6   Max: 12.9
Current: 9.9

2.6
12.9
Forward Rate of Return (Yacktman) 14.00
CVBF's Forward Rate of Return (Yacktman) is ranked higher than
72% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. CVBF: 14.00 )
CVBF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 2.5   Max: 23.9
Current: 14

2.5
23.9

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 101st Consecutive Cash Dividend Dec 17 2014
CVB Financial Corp. Announces 101st Consecutive Cash Dividend Dec 17 2014
CVB FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Other Events, Financial Statements... Dec 03 2014
CVB Financial Corp. to Meet with Investors in New York City Dec 02 2014
CVB Financial Corp. to Meet with Investors in New York City Dec 02 2014
CVB FINANCIAL CORP Financials Nov 19 2014
10-Q for CVB Financial Corp. Nov 12 2014
CVB FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Nov 12 2014
Linn Wiley Announces Retirement as Chairman of CVB Financial Corp.; Raymond V. O’Brien III... Nov 10 2014
Linn Wiley Announces Retirement as Chairman of CVB Financial Corp.; Raymond V. O’Brien III... Nov 10 2014
CVB FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Nov 10 2014
How CVB Financial (CVBF) Stock Stands Out in a Strong Industry Nov 04 2014
CVB FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 24 2014
CVB Financial meets 3Q profit forecasts Oct 22 2014
CVB Financial meets 3Q profit forecasts Oct 22 2014
CVB Financial Corp. Reports Third Quarter Earnings for 2014 Oct 22 2014
Q3 2014 Cvb Financial Corp Earnings Release - After Market Close Oct 22 2014
CVB Financial Corp. Announces Third Quarter 2014 Earnings Release Date, Conference Call and Webcast Oct 01 2014
CVB Financial Corp. Announces 100th Consecutive Cash Dividend Sep 24 2014
CVB FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Other Events, Financial Statements... Sep 18 2014

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