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Also traded in: Germany

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 : 6/10

vs
industry
vs
history
Cash to Debt 30.67
CVBF's Cash to Debt is ranked higher than
57% of the 1134 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.18 vs. CVBF: 30.67 )
Ranked among companies with meaningful Cash to Debt only.
CVBF' s Cash to Debt Range Over the Past 10 Years
Min: 0.04  Med: 0.36 Max: 216.75
Current: 30.67
0.04
216.75
Equity to Asset 0.12
CVBF's Equity to Asset is ranked higher than
68% of the 1602 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 Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.12
Current: 0.12
0.06
0.12
Interest Coverage 21.19
CVBF's Interest Coverage is ranked higher than
94% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. CVBF: 21.19 )
Ranked among companies with meaningful Interest Coverage only.
CVBF' s Interest Coverage Range Over the Past 10 Years
Min: 0.46  Med: 2.48 Max: 17.66
Current: 21.19
0.46
17.66
F-Score: 4
M-Score: -2.37
WACC vs ROIC
11.63%
18.76%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 55.64
CVBF's Operating margin (%) is ranked higher than
90% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.11 vs. CVBF: 55.64 )
Ranked among companies with meaningful Operating margin (%) only.
CVBF' s Operating margin (%) Range Over the Past 10 Years
Min: 27.41  Med: 47.33 Max: 59.73
Current: 55.64
27.41
59.73
Net-margin (%) 36.01
CVBF's Net-margin (%) is ranked higher than
82% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.40 vs. CVBF: 36.01 )
Ranked among companies with meaningful Net-margin (%) only.
CVBF' s Net-margin (%) Range Over the Past 10 Years
Min: 19.89  Med: 30.94 Max: 39.58
Current: 36.01
19.89
39.58
ROE (%) 11.18
CVBF's ROE (%) is ranked higher than
71% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.20 vs. CVBF: 11.18 )
Ranked among companies with meaningful ROE (%) only.
CVBF' s ROE (%) Range Over the Past 10 Years
Min: 8.38  Med: 12.08 Max: 19.69
Current: 11.18
8.38
19.69
ROA (%) 1.34
CVBF's ROA (%) is ranked higher than
77% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CVBF: 1.34 )
Ranked among companies with meaningful ROA (%) only.
CVBF' s ROA (%) Range Over the Past 10 Years
Min: 0.96  Med: 1.23 Max: 1.48
Current: 1.34
0.96
1.48
Revenue Growth (3Y)(%) 0.90
CVBF's Revenue Growth (3Y)(%) is ranked lower than
60% of the 1336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. CVBF: 0.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CVBF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -8.3  Med: 8.10 Max: 13.6
Current: 0.9
-8.3
13.6
EBITDA Growth (3Y)(%) 1.60
CVBF's EBITDA Growth (3Y)(%) is ranked lower than
63% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. CVBF: 1.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CVBF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -8.8  Med: 7.60 Max: 25
Current: 1.6
-8.8
25
EPS Growth (3Y)(%) 7.90
CVBF's EPS Growth (3Y)(%) is ranked higher than
52% of the 1211 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CVBF: 7.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CVBF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -13  Med: 9.70 Max: 27.2
Current: 7.9
-13
27.2
» CVBF's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-22)


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

» Details

Guru Trades

Q4 2014

CVBF Guru Trades in Q4 2014

Joel Greenblatt Sold Out
» More
Q3 2015

CVBF Guru Trades in Q3 2015

Ken Fisher 197,420 sh (New)
» More
Q4 2015

CVBF Guru Trades in Q4 2015

Ken Fisher 239,587 sh (+21.36%)
» More
Q1 2016

CVBF Guru Trades in Q1 2016

Ken Fisher 239,587 sh (unchged)
» 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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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:IBOC, NAS:SSB, NAS:TRMK, NAS:COLB, NYSE:GWB, NAS:EGBN, NYSE:CBU, NYSE:EVER, NAS:FMBI, NAS:CHFC, NAS:NPBC, NAS:ONB, NAS:BANR, NYSE:FCB, AMEX:PRK, NAS:GBCI, NAS:SFNC, NYSE:STL, NAS:RNST, NAS:LTXB » details
Traded in other countries:BCV.Germany,
CVB Financial Corp 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.

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

Ratios

vs
industry
vs
history
P/E(ttm) 16.79
CVBF's P/E(ttm) is ranked lower than
70% of the 1682 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. CVBF: 16.79 )
Ranked among companies with meaningful P/E(ttm) only.
CVBF' s P/E(ttm) Range Over the Past 10 Years
Min: 7.98  Med: 15.33 Max: 20.78
Current: 16.79
7.98
20.78
Forward P/E 16.23
CVBF's Forward P/E is ranked lower than
82% of the 443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. CVBF: 16.23 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.79
CVBF's PE(NRI) is ranked lower than
69% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.86 vs. CVBF: 16.79 )
Ranked among companies with meaningful PE(NRI) only.
CVBF' s PE(NRI) Range Over the Past 10 Years
Min: 7.98  Med: 15.34 Max: 20.78
Current: 16.79
7.98
20.78
Price/Owner Earnings (ttm) 16.93
CVBF's Price/Owner Earnings (ttm) is ranked lower than
69% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.62 vs. CVBF: 16.93 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CVBF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 7.73  Med: 14.92 Max: 125.7
Current: 16.93
7.73
125.7
P/B 1.79
CVBF's P/B is ranked lower than
84% of the 1759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. CVBF: 1.79 )
Ranked among companies with meaningful P/B only.
CVBF' s P/B Range Over the Past 10 Years
Min: 0.86  Med: 1.86 Max: 3.85
Current: 1.79
0.86
3.85
P/S 6.05
CVBF's P/S is ranked lower than
87% of the 1761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. CVBF: 6.05 )
Ranked among companies with meaningful P/S only.
CVBF' s P/S Range Over the Past 10 Years
Min: 1.64  Med: 4.86 Max: 7.51
Current: 6.05
1.64
7.51
PFCF 16.47
CVBF's PFCF is ranked lower than
75% of the 918 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.16 vs. CVBF: 16.47 )
Ranked among companies with meaningful PFCF only.
CVBF' s PFCF Range Over the Past 10 Years
Min: 5.33  Med: 13.59 Max: 21.71
Current: 16.47
5.33
21.71
POCF 16.08
CVBF's POCF is ranked lower than
80% of the 1025 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.89 vs. CVBF: 16.08 )
Ranked among companies with meaningful POCF only.
CVBF' s POCF Range Over the Past 10 Years
Min: 5.04  Med: 12.45 Max: 19.98
Current: 16.08
5.04
19.98
EV-to-EBIT 9.02
CVBF's EV-to-EBIT is ranked higher than
70% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. CVBF: 9.02 )
Ranked among companies with meaningful EV-to-EBIT only.
CVBF' s EV-to-EBIT Range Over the Past 10 Years
Min: 7.8  Med: 12.85 Max: 37.2
Current: 9.02
7.8
37.2
EV-to-EBITDA 8.91
CVBF's EV-to-EBITDA is ranked higher than
66% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. CVBF: 8.91 )
Ranked among companies with meaningful EV-to-EBITDA only.
CVBF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.5  Med: 11.70 Max: 32.7
Current: 8.91
7.5
32.7
PEG 1.88
CVBF's PEG is ranked lower than
69% of the 731 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CVBF: 1.88 )
Ranked among companies with meaningful PEG only.
CVBF' s PEG Range Over the Past 10 Years
Min: 1.07  Med: 2.04 Max: 38.2
Current: 1.88
1.07
38.2
Shiller P/E 19.66
CVBF's Shiller P/E is ranked lower than
60% of the 491 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.16 vs. CVBF: 19.66 )
Ranked among companies with meaningful Shiller P/E only.
CVBF' s Shiller P/E Range Over the Past 10 Years
Min: 7.21  Med: 15.35 Max: 24.3
Current: 19.66
7.21
24.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.93
CVBF's Dividend Yield is ranked lower than
51% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. CVBF: 2.93 )
Ranked among companies with meaningful Dividend Yield only.
CVBF' s Dividend Yield Range Over the Past 10 Years
Min: 2.03  Med: 2.96 Max: 6.55
Current: 2.93
2.03
6.55
Dividend Payout 0.48
CVBF's Dividend Payout is ranked lower than
72% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CVBF: 0.48 )
Ranked among companies with meaningful Dividend Payout only.
CVBF' s Dividend Payout Range Over the Past 10 Years
Min: 0.21  Med: 0.41 Max: 0.94
Current: 0.48
0.21
0.94
Dividend Growth (3y) 12.20
CVBF's Dividend Growth (3y) is ranked higher than
61% of the 733 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. CVBF: 12.20 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CVBF' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -7.2  Med: 12.20 Max: 59
Current: 12.2
-7.2
59
Forward Dividend Yield 2.90
CVBF's Forward Dividend Yield is ranked lower than
55% of the 2109 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. CVBF: 2.90 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.09
CVBF's Yield on cost (5-Year) is ranked higher than
56% of the 2505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.58 vs. CVBF: 4.09 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CVBF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.83  Med: 4.13 Max: 9.14
Current: 4.09
2.83
9.14
3-Year Average Share Buyback Ratio -0.50
CVBF's 3-Year Average Share Buyback Ratio is ranked higher than
66% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. CVBF: -0.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CVBF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -8.5  Med: -0.50 Max: 0.4
Current: -0.5
-8.5
0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.97
CVBF's Price/Tangible Book is ranked lower than
83% of the 1747 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. CVBF: 1.97 )
Ranked among companies with meaningful Price/Tangible Book only.
CVBF' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.14  Med: 2.65 Max: 4.42
Current: 1.97
1.14
4.42
Price/Projected FCF 0.96
CVBF's Price/Projected FCF is ranked lower than
75% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. CVBF: 0.96 )
Ranked among companies with meaningful Price/Projected FCF only.
CVBF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.43  Med: 0.99 Max: 1.46
Current: 0.96
0.43
1.46
Price/Median PS Value 1.25
CVBF's Price/Median PS Value is ranked lower than
78% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. CVBF: 1.25 )
Ranked among companies with meaningful Price/Median PS Value only.
CVBF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.39  Med: 0.97 Max: 1.53
Current: 1.25
0.39
1.53
Price/Peter Lynch Fair Value 1.92
CVBF's Price/Peter Lynch Fair Value is ranked lower than
86% of the 434 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CVBF: 1.92 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CVBF' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.53  Med: 1.26 Max: 3.01
Current: 1.92
0.53
3.01
Price/Graham Number 1.21
CVBF's Price/Graham Number is ranked lower than
79% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. CVBF: 1.21 )
Ranked among companies with meaningful Price/Graham Number only.
CVBF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.68  Med: 1.34 Max: 2.08
Current: 1.21
0.68
2.08
Earnings Yield (Greenblatt) (%) 11.17
CVBF's Earnings Yield (Greenblatt) (%) is ranked higher than
72% of the 1803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CVBF: 11.17 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CVBF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.7  Med: 7.80 Max: 12.9
Current: 11.17
2.7
12.9
Forward Rate of Return (Yacktman) (%) 15.24
CVBF's Forward Rate of Return (Yacktman) (%) is ranked higher than
55% of the 844 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.22 vs. CVBF: 15.24 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CVBF' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 0.5  Med: 10.00 Max: 19.5
Current: 15.24
0.5
19.5

More Statistics

Revenue (TTM) (Mil) $292.7
EPS (TTM) $ 0.98
Beta1.45
Short Percentage of Float7.89%
52-Week Range $14.02 - 18.77
Shares Outstanding (Mil)107.81

Analyst Estimate

Dec16 Dec17
Revenue (Mil $) 302 320
EPS ($) 1.02 1.07
EPS w/o NRI ($) 1.02 1.07
EPS Growth Rate
(3Y to 5Y Estimate)
10.00%
Dividends Per Share ($) 0.48 0.48
» More Articles for NAS: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
ETF’s with exposure to CVB Financial Corp. : July 29, 2016 Jul 29 2016
CVB FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Jul 29 2016
CORRECTING and REPLACING CVB Financial Corp. Announces New Board Member Jul 28 2016
CORRECTING and REPLACING CVB Financial Corp. Announces New Board Member Jul 28 2016
CVB Financial Corp. Announces New Board Member Jul 28 2016
CVB Financial Corp. Announces New Board Member Jul 28 2016
CVB Financial Corp. :CVBF-US: Earnings Analysis: Q2, 2016 By the Numbers : July 22, 2016 Jul 22 2016
Edited Transcript of CVBF earnings conference call or presentation 21-Jul-16 2:30pm GMT Jul 21 2016
CVB FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 21 2016
CVB Financial posts 2Q profit Jul 20 2016
CVB Financial posts 2Q profit Jul 20 2016
CVB Financial Corp. Reports Second Quarter Earnings for 2016 Jul 20 2016
Q2 2016 CVB Financial Corp Earnings Release - After Market Close Jul 20 2016
CVB FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 12 2016
CVB Financial Corp. Announces Hiring of David F. Farnsworth as Chief Credit Officer Jul 07 2016
CVB Financial Corp. Announces Hiring of David F. Farnsworth as Chief Credit Officer Jul 07 2016
CVB Financial Corp. : CVBF-US: Dividend Analysis : July 07th, 2016 (record date) : By the numbers :... Jul 06 2016
CVB Financial Corp. Announces Second Quarter 2016 Earnings Release Date, Conference Call and Webcast Jun 29 2016
CVB FINANCIAL CORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Financial... Jun 29 2016
CVB Financial Corp. :CVBF-US: Earnings Analysis: Q1, 2016 By the Numbers : June 28, 2016 Jun 28 2016

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