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CVBF (CVB Financial) Financial Strength : 4 (As of Mar. 2025)


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What is CVB Financial Financial Strength?

CVB Financial has the Financial Strength Rank of 4.

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.

A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

GuruFocus does not calculate CVB Financial's interest coverage with the available data. CVB Financial's debt to revenue ratio for the quarter that ended in Mar. 2025 was 1.38. Altman Z-Score does not apply to banks and insurance companies.


CVB Financial Financial Strength Calculation

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

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

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

CVB Financial's Interest Expense for the months ended in Mar. 2025 was $-32.6 Mil. Its Operating Income for the months ended in Mar. 2025 was $0.0 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2025 was $200.0 Mil.

CVB Financial's Interest Coverage for the quarter that ended in Mar. 2025 is

The higher the ratio, the stronger the company's financial strength is.

2. Debt to revenue ratio. The lower, the better.

CVB Financial's Debt to Revenue Ratio for the quarter that ended in Mar. 2025 is

Debt to Revenue Ratio=Total Debt (Q: Mar. 2025 ) / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(500 + 200) / 506.692
=1.38

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

Altman Z-Score does not apply to banks and insurance companies.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


CVB Financial  (NAS:CVBF) Financial Strength Explanation

The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

CVB Financial has the Financial Strength Rank of 4.


CVB Financial Financial Strength Related Terms

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CVB Financial Business Description

Traded in Other Exchanges
N/A
Address
701 N. Haven Avenue, Suite 350, Ontario, CA, USA, 91764
CVB Financial Corp is the holding company for Citizens Business Bank. Citizens Business Bank offers banking, lending, and investing services. It provides a full complement of lending products, including commercial, agribusiness, consumer, SBA, real estate, and construction loans, as well as equipment and vehicle leasing. Commercial products include lines of credit and other working capital financing, accounts receivable lending and letters of credit.
Executives
Del Guercio Stephen A director 701 N HAVEN AVE, ONTARIO CA 91764
Kimberly H. Sheehy director C/O SWITCH, INC., 7135 SOUTH DECATUR BOULEVARD, LAS VEGAS NV 89118
Borba George A Jr director 701 N HAVEN AVE, ONTARIO CA 91764
David F Farnsworth officer: EVP & CCO 701 N. HAVEN AVE., ONTARIO CA 91764
David A. Brager officer: EVP Sales Division Manager 701 N. HAVEN AVE. #350, ONTARIO CA 91764
E Allen Nicholson officer: EVP & CFO 701 N. HAVEN AVE., ONTARIO CA 91764
Richard H Wohl officer: EVP & General Counsel 888 EAST WALNUT ST., PASADENA CA 91101
Yamynn Deangelis officer: EVP Chief Risk Officer 701 N. HAVEN AVE., ONTARIO CA 91764
Anna Kan director 701 N. HAVEN AVE., ONTARIO CA 91764
Jane Olvera director 701 N HAVEN AVE, ONTARIO CA 91764
O Brien Raymond V Iii director 701 N HAVEN AVENUE, ONTARIO CA 91764
Hal W Oswalt director 701 N HAVEN AVE, ONTARIO CA 91764
David C Harvey officer: EVP Chief Operations Officer 701 N. HAVEN AVENUE #350, ONTARIO CA 91764
Kristina M Leslie director DREAMWORKS ANIMATION SKG, INC., 1000 FLOWER STREET, GLENDALE CA 91201
Francene Lapoint officer: SVP Chief Accounting Officer 1551 NORTH TUSTIN AVENUE, SUITE 300, SANTA ANA CA 92705