CVB Financial Corp. (CVBF), Discounted Cash Flow Valuation

CVB Financial Corp. (CVBF) Unternehmen Profile

US | Financial Services | Banks - Regional | NASDAQ
17.7 0.23 (1.32%)
Real-Time Price (USD)
Market Cap A valuation method that multiplies the price of a company's shares by the total number of outstanding shares.
2.46B
Revenue (ttm) The total amount of income generated by the sale of goods or services related to the company's primary operations.
493.63M
Net Income (ttm) The company's earnings for a period net of operating costs, taxes and interest.
200.72M
Shares Out Total number of common shares outstanding as of the latest date disclosed in a financial filing.
139.1M
EPS (ttm) Company's net earnings or losses from continuing operations on a per diluted share basis.
1.44
PE Ratio The price-to-earnings (PE) ratio is the ratio between a company's stock price and earnings per share. It measures the price of a stock relative to its profits.
14.79
Dividend Yield Measures the cash returned to shareholders by a firm as a percentage of the price they pay for each share of stock.
21.70%
Exchange Name of stock exchange where the trading item trades.
NASDAQ
Avg Volume The average number of shares traded each day over the past 30 days.
825.51K
Open The opening trade price over the trading day.
17.5
Previous Close The last closing price.
17.47
Beta A ratio that measures the risk or volatility of a company's share price in comparison to the market as a whole.
0.63
1 day delta The range between the high and low prices over the past day.
17.46-17.77
52 weeks The range between the high and low prices over the past 52 weeks.
15.75-24.58

Total Valuation

CVB Financial Corp. has a market cap or net worth of 2.46B. The enterprise value is 2.76B.
Market Cap (ttm) Market Capitalization
A valuation method that multiplies the price of a company's shares by the total number of outstanding shares.
2.46B
Enterprise Value (ttm) Enterprise Value
Enterprise value measures the total value of a company's outstanding shares, adjusted for debt and levels of cash and short-term investments.
Enterprise Value = Market Cap + Total Debt - Cash & Equivalents - Short-Term Investments
2.76B

Valuation Ratios

The trailing PE ratio is 12.23. CVB Financial Corp.'s PEG ratio is 17.49.
PE Ratio (ttm) PE Ratio
The price-to-earnings (P/E) ratio is a valuation metric that shows how expensive a stock is relative to earnings.
PE Ratio = Stock Price / Earnings Per Share
12.23
PS Ratio (ttm) PS Ratio
The price-to-sales (P/S) ratio is a commonly used valuation metric. It shows how expensive a stock is compared to revenue.
PS Ratio = Market Capitalization / Revenue
4.99
PB Ratio (ttm) PB Ratio
The price-to-book (P/B) ratio measures a stock's price relative to book value. Book value is also called Shareholders' equity.
PB Ratio = Market Capitalization / Shareholders' Equity
1.12
P/FCF Ratio (ttm) P/FCF Ratio
The price to free cash flow (P/FCF) ratio is similar to the P/E ratio, except it uses free cash flow instead of accounting earnings.
P/FCF Ratio = Market Capitalization / Free Cash Flow
9.94
PEG Ratio (ttm) PEG Ratio
The price/earnings to growth (PEG) ratio is calculated by dividing a company's PE ratio by its expected earnings growth.
PEG Ratio = PE Ratio / Expected Earnings Growth
17.49

Enterprise Valuation

The stock's EV/EBITDA ratio is 19.76, with a EV/FCF ratio of 11.13.
EV / Sales (ttm) EV / Sales Ratio
The enterprise value to sales (EV/Sales) ratio is similar to the price-to-sales ratio, but the price is adjusted for the company's debt and cash levels.
EV/Sales Ratio = Enterprise Value / Revenue
5.58
EV / EBITDA (ttm) EV / EBIT Ratio
The EV/EBITDA ratio measures a company's valuation relative to its EBITDA, or Earnings Before Interest, Taxes, Depreciation, and Amortization.
EV/EBITDA Ratio = Enterprise Value / EBITDA
19.76
EV / EBIT (ttm) EV/EBIT Ratio
The EV/EBIT is a valuation metric that measures a company's price relative to EBIT, or Earnings Before Interest and Taxes.
EV/EBIT Ratio = Enterprise Value / EBIT
11.04
EV / FCF (ttm) EV/FCF Ratio
The enterprise value to free cash flow (EV/FCF) ratio is similar to the price to free cash flow ratio, except the price is adjusted for the company's cash and debt.
EV/FCF Ratio = Enterprise Value / Free Cash Flow
11.13

Financial Efficiency

Return on equity (ROE) is 9.35% and return on invested capital (ROIC) is 4.98%.
Return on Equity (ROE) (ttm) Return on Equity (ROE)
Return on equity (ROE) is a profitability metric that shows how efficient a company is at using its equity (or "net" assets) to generate profits. It is calculated by dividing the company's net income by the average shareholders' equity over the past 12 months.
ROE = (Net Income / Average Shareholders' Equity) * 100%
9.35%
Return on Assets (ROA) (ttm) Return on Assets (ROA)
Return on assets (ROA) is a metric that measures how much profit a company is able to generate using its assets. It is calculated by dividing net income by the average total assets for the past 12 months.
ROA = (Net Income / Average Total Assets) * 100%
1.32%
Return on Capital (ROIC) (ttm) Return on Capital (ROIC)
Return on invested capital (ROIC) measures how effective a company is at investing its capital in order to increase profits. It is calculated by dividing the EBIT (Earnings Before Interest & Taxes) by the average invested capital in the previous year.
ROIC = (EBIT / Average Invested Capital) * 100%
4.98%
Asset Turnover Asset Turnover
The asset turnover ratio measures the amount of sales relative to a company's assets. It indicates how efficiently the company uses its assets to generate revenue.
Asset Turnover Ratio = Revenue / Average Assets
0.01
Inventory Turnover (ttm) Inventory Turnover
The inventory turnover ratio measures how many times inventory has been sold and replaced during a time period.
Inventory Turnover Ratio = Cost of Revenue / Average Inventory
0

Margins

Trailing 12 months gross margin is 100.00%, with operating and profit margins of 47.68% and 40.66%.
Gross Margin (ttm) Gross Margin
Gross margin is the percentage of revenue left as gross profits, after subtracting cost of goods sold from the revenue.
Gross Margin = (Gross Profit / Revenue) * 100%
100.00%
Operating Margin (ttm) Operating Margin
Operating margin is the percentage of revenue left as operating income, after subtracting cost of revenue and all operating expenses from the revenue.
Operating Margin = (Operating Income / Revenue) * 100%
47.68%
Pretax Margin (ttm) Pretax Margin
Pretax margin is the percentage of revenue left as profits before subtracting taxes.
Pretax Margin = (Pretax Income / Revenue) * 100%
54.95%
Profit Margin (ttm) Profit Margin
Profit margin is the percentage of revenue left as net income, or profits, after subtracting all costs and expenses from the revenue.
Profit Margin = (Net Income / Revenue) * 100%
40.66%
EBITDA Margin (ttm) EBITDA Margin
EBITDA margin is the percentage of revenue left as EBITDA, after subtracting all expenses except interest, taxes, depreciation and amortization from revenue.
EBITDA Margin = (EBITDA / Revenue) * 100%
28.27%

Income Statement

In the last 12 months, CVB Financial Corp. had revenue of 493.63M and earned 200.72M in profits. Earnings per share (EPS) was 1.44.
Revenue (ttm) Revenue
Revenue is the amount of money a company receives from its main business activities, such as sales of products or services. Revenue is also called sales.
493.63M
Gross Profit (ttm) Gross Profit
Gross profit is a company’s profit after subtracting the costs directly linked to making and delivering its products and services.
Gross Profit = Revenue - Cost of Revenue
493.63M
Operating Income (ttm) Operating Income
Operating income is the amount of profit in a company after paying for all the expenses related to its core operations.
Operating Income = Revenue - Cost of Revenue - Operating Expenses
235.38M
Pretax Income (ttm) Pretax Income
Pretax income is a company's profits before accounting for income taxes.
Pretax Income = Net Income + Income Taxes
271.24M
Net Income (ttm) Net Income
Net income is a company's accounting profits after subtracting all costs and expenses from the revenue. It is also called earnings, profits or "the bottom line"
Net Income = Revenue - All Expenses
200.72M
EBITDA (ttm) EBITDA
EBITDA stands for "Earnings Before Interest, Taxes, Depreciation and Amortization." It is a commonly used measure of profitability.
EBITDA = Net Income + Interest + Taxes + Depreciation and Amortization
139.53M
EBIT (ttm) EBIT
EBIT stands for "Earnings Before Interest and Taxes" and is a commonly used measure of earnings or profits. It is similar to operating income.
EBIT = Net Income + Interest + Taxes
129.68M
Earnings Per Share (EPS) (ttm) EPS (Diluted)
Earnings per share is the portion of a company's profit that is allocated to each individual stock. Diluted EPS is calculated by dividing net income by "diluted" shares outstanding.
Diluted EPS = Net Income / Shares Outstanding (Diluted)
1.44

Financial Position

The company has a trailing 12 months (ttm) current ratio of 5.34, with a ttm Debt / Equity ratio of 0.23.
Current Ratio (ttm) Current Ratio
The current ratio is used to measure a company's short-term liquidity. A low number can indicate that a company will have trouble paying its upcoming liabilities.
Current Ratio = Current Assets / Current Liabilities
5.34
Quick Ratio (ttm) Quick Ratio
The quick ratio measure a company's short-term liquidity. A low number indicates that the company may have trouble paying its upcoming financial obligations.
Quick Ratio = (Cash + Short-Term Investments + Accounts Receivable) / Current Liabilities
5.34
Debt / Equity (ttm) Debt / Equity Ratio
The debt-to-equity ratio measures a company's debt levels relative to its shareholders' equity or book value. A high ratio implies that a company has a lot of debt.
Debt / Equity Ratio = Total Debt / Shareholders' Equity
0.23
Debt / EBIT (ttm) Debt / EBIT Ratio
The debt-to-EBIT ratio is a company's debt levels relative to its trailing twelve-month EBIT. A high ratio implies that debt is high relative to the company's earnings.
Debt / EBIT Ratio = Total Debt / EBIT (ttm)
1.15

Dividends & Yields

This stock pays an annual dividend of 0.8, which amounts to a dividend yield of 4.52%.
Dividend Per Share (ttm) Dividend Per Share
Total amount paid to each outstanding share in dividends during the period.
0.8
Dividend Yield (ttm) Dividend Yield
The dividend yield is how much a stock pays in dividends each year, as a percentage of the stock price.
Dividend Yield = (Annual Dividends Per Share / Stock Price) * 100%
4.52%
Earnings Yield (ttm) Earnings Yield
The earnings yield is a valuation metric that measures a company's profits relative to stock price, expressed as a percentage yield. It is the inverse of the P/E ratio.
Earnings Yield = (Earnings Per Share / Stock Price) * 100%
8.18%
FCF Yield (ttm) FCF Yield
The free cash flow (FCF) yield measures a company's free cash flow relative to its price, shown as a percentage. It is the inverse of the P/FCF ratio.
FCF Yield = (Free Cash Flow / Market Cap) * 100%
10.06%
Dividend Growth (YoY) Dividend Growth
The change in dividend payments per share, compared to the previous period.
Dividend Growth = ((Current Dividend / Previous Dividend) - 1) * 100%
475.37%
Payout Ratio (ttm) Payout Ratio
The payout ratio is the percentage of a company's profits that are paid out as dividends. A high ratio implies that the dividend payments may not be sustainable.
Payout Ratio = (Dividends Per Share / Earnings Per Share) * 100%
55.72%

Balance Sheet

The company has 205.18M in cash and 500M in debt, giving a net cash position of -294.82M.
Cash & Cash Equivalents Cash & Cash Equivalents
Cash and cash equivalents is the sum of "Cash & Equivalents" and "Short-Term Investments." This is the amount of money that a company has quick access to, assuming that the cash equivalents and short-term investments can be sold at a short notice.
Cash & Cash Equivalents = Cash & Equivalents + Short-Term Investments
205.18M
Total Debt Total Debt
Total debt is the total amount of liabilities categorized as "debt" on the balance sheet. It includes both current and long-term (non-current) debt.
Total Debt = Current Debt + Long-Term Debt
500M
Net Cash Net Cash / Debt
Net Cash / Debt is an indicator of the financial position of a company. It is calculated by taking the total amount of cash and cash equivalents and subtracting the total debt.
Net Cash / Debt = Total Cash - Total Debt
-294.82M
Book Value Shareholders' Equity
Shareholders’ equity is also called book value or net worth. It can be seen as the amount of money held by investors inside the company. It is calculated by subtracting all liabilities from all assets.
Shareholders' Equity = Total Assets - Total Liabilities
2.19B
Book Value Per Share (ttm) Book Value Per Share
Book value per share is the total amount of book value attributable to each individual stock. It is calculated by dividing book value (shareholders' equity) by the number of outstanding shares.
Book Value Per Share = Book Value / Shares Outstanding
15.77
Working Capital (ttm) Working Capital
Working capital is the amount of money available to a business to conduct its day-to-day operations. It is calculated by subtracting total current liabilities from total current assets.
Working Capital = Current Assets - Current Liabilities
2.19B

Cash Flow

In the last 12 months, operating cash flow of the company was 249.76M and capital expenditures -1.98M, giving a free cash flow of 247.79M.
Operating Cash Flow (ttm) Operating Cash Flow
Operating cash flow, also called cash flow from operating activities, measures the amount of cash that a company generates from normal business activities. It is the amount of cash left after all cash income has been received, and all cash expenses have been paid.
249.76M
Capital Expenditures (ttm) Capital Expenditures
Capital expenditures are also called payments for property, plants and equipment. It measures cash spent on long-term assets that will be used to run the business, such as manufacturing equipment, real estate and others.
-1.98M
Free Cash Flow (ttm) Free Cash Flow
Free cash flow is the cash remaining after the company spends on everything required to maintain and grow the business. It is calculated by subtracting capital expenditures from operating cash flow.
Free Cash Flow = Operating Cash Flow - Capital Expenditures
247.79M
FCF Per Share (ttm) Free Cash Flow Per Share
Free cash flow per share is the amount of free cash flow attributed to each outstanding stock.
FCF Per Share = Free Cash Flow / Shares Outstanding
1.79

CVB Financial Corp. News

Apr 16, 2025 - zacks.com
CVB Financial (CVBF) Expected to Beat Earnings Estimates: Should You Buy?
CVB Financial (CVBF) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations....[read more]
Apr 14, 2025 - zacks.com
Here's Why CVB Financial (CVBF) is Poised for a Turnaround After Losing -12.62% in 4 Weeks
CVB Financial (CVBF) is technically in oversold territory now, so the heavy selling pressure might have exhausted. This along with strong agreement among Wall Street analysts in raising earnings estimates could lead to a trend reversal for the stock....[read more]
Apr 11, 2025 - zacks.com
Will CVB Financial (CVBF) Beat Estimates Again in Its Next Earnings Report?
CVB Financial (CVBF) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report....[read more]
Mar 19, 2025 - globenewswire.com
CVB Financial Corp. Announces 142nd Consecutive Quarterly Cash Dividend
Ontario, CA, March 19, 2025 (GLOBE NEWSWIRE) -- CVB Financial Corp. (NASDAQ: CVBF) (the “Company”) announced a twenty cent ($0.20) per share cash dividend with respect to the first quarter of 2025. This dividend was approved at the Company's regularly scheduled Board of Directors meeting held on March 19, 2025. The quarterly dividend will be payable on or about April 16, 2025 to shareholders of record as of April 2, 2025....[read more]
Feb 5, 2025 - globenewswire.com
Citizens Business Bank Recognized on Forbes List of Best Banks in America
ONTARIO, Calif., Feb. 05, 2025 (GLOBE NEWSWIRE) -- CVB Financial Corp. (NASDAQ: CVBF), the holding company for Citizens Business Bank (the “Bank”), has been recognized by Forbes in their 16thannual America's Best Banks list. This recognition marks the ninth time in the past decade that the Bank has earned a place on Forbes' prestigious list of the best banks in the nation....[read more]
Jan 23, 2025 - seekingalpha.com
CVB Financial Corporation (CVBF) Q4 2024 Earnings Call Transcript
CVB Financial Corporation (NASDAQ:CVBF ) Q4 2024 Earnings Conference Call January 23, 2024 10:30 AM ET Company Participants Allen Nicholson - EVP & CFO David Brager - President, CEO & Director Conference Call Participants David Feaster - Raymond James Andrew Terrell - Stephens Ahmad Hasan - D.A. Davidson & Co. Adam Butler - Piper Sandler & Co. Kelly Motta - KBW Timothy Coffey - Janney Montgomery Scott Operator Good morning, ladies and gentlemen, and welcome to the Fourth Quarter of 2024 CVB Fina...[read more]
Jan 22, 2025 - zacks.com
CVB Financial (CVBF) Reports Q4 Earnings: What Key Metrics Have to Say
The headline numbers for CVB Financial (CVBF) give insight into how the company performed in the quarter ended December 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals....[read more]
Jan 22, 2025 - zacks.com
CVB Financial (CVBF) Q4 Earnings Beat Estimates
CVB Financial (CVBF) came out with quarterly earnings of $0.36 per share, beating the Zacks Consensus Estimate of $0.34 per share. This compares to earnings of $0.39 per share a year ago....[read more]
Jan 22, 2025 - globenewswire.com
CVB Financial Corp. Reports Earnings for the Fourth Quarter and the Year Ended 2024
Fourth Quarter 2024 Net Earnings of $51 million, or $0.36 per share Return on Average Assets of 1.30% Net Interest Margin of 3.18% Full Year 2024 Net Earnings of $201 million, or $1.44 per share Return on Average Tangible Common Equity of 14.95% Ontario, CA, Jan. 22, 2025 (GLOBE NEWSWIRE) -- CVB Financial Corp. (NASDAQ:CVBF) and its subsidiary, Citizens Business Bank (the “Company”), announced earnings for the quarter and the year ended December 31, 2024. CVB Financial Corp. reported net income ...[read more]
Jan 21, 2025 - globenewswire.com
Citizens Business Bank Donates $200,000 to Los Angeles Wildfire Relief Organizations
ONTARIO, Calif., Jan. 21, 2025 (GLOBE NEWSWIRE) -- Citizens Business Bank (the “Bank”), a subsidiary of CVB Financial Corp. (NASDAQ: CVBF), announced today that the Bank has committed $200,000 to local community organizations directed specifically to wildfire relief. The Bank's $200,000 donation will be distributed to four organizations in Los Angeles County, with each receiving $50,000. The recipient organizations include Foothill Unity Center, Union Station Homeless Services, Pasadena Communit...[read more]

CVB Financial Corp. Details

Country US
City Ontario
Address 701 North Haven Avenue
Ticker Symbol CVBF
Exchange NASDAQ Global Select
IPO Date Apr 4, 1983
CEO Mr. David A. Brager
Sector Financial Services
Industry Banks - Regional
Employees 1.09K

CVB Financial Corp. Company Description

CVB Financial Corp. operates as a bank holding company for Citizens Business Bank, a state-chartered bank that provides banking and financial services to small to mid-sized businesses and individuals. It offers checking, savings, money market, and time certificates of deposit products for business and personal accounts; and serves as a federal tax depository for business customers. The company also provides commercial lending products comprising lines of credit and other working capital financing, accounts receivable lending, and letters of credit; agriculture loans to finance the operating needs of wholesale dairy farm operations, cattle feeders, livestock raisers, and farmers; lease financing services for municipal governments; commercial real estate and construction loans; and consumer financing products, including automobile leasing and financing, lines of credit, credit cards, home mortgages, and home equity loans and lines of credit. In addition, it offers various specialized services, such as treasury management systems for monitoring cash flow, merchant card processing program, armored pick-up and delivery, payroll services, remote deposit capture, electronic funds transfers, wires and automated clearinghouse, and online account access. Further, the company provides trust services through its CitizensTrust Division, such as fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. As of December 31, 2021, it operated 58 banking centers located in the Inland Empire, Los Angeles County, Orange County, San Diego County, Ventura County, Santa Barbara County, and the Central Valley area of California; and three trust offices located in Ontario, Newport Beach, and Pasadena, as well as two loan production offices in California's Central Valley and the Sacramento area. The company was founded in 1974 and is headquartered in Ontario, California.

CVB Financial Corp. (CVBF) Bundle

Get Full Bundle:

TOTAL: $121 $71

Disclaimer

All information, articles, and product details provided on this website are for general informational and educational purposes only. We do not claim any ownership over, nor do we intend to infringe upon, any trademarks, copyrights, logos, brand names, or other intellectual property mentioned or depicted on this site. Such intellectual property remains the property of its respective owners, and any references here are made solely for identification or informational purposes, without implying any affiliation, endorsement, or partnership.

We make no representations or warranties, express or implied, regarding the accuracy, completeness, or suitability of any content or products presented. Nothing on this website should be construed as legal, tax, investment, financial, medical, or other professional advice. In addition, no part of this site—including articles or product references—constitutes a solicitation, recommendation, endorsement, advertisement, or offer to buy or sell any securities, franchises, or other financial instruments, particularly in jurisdictions where such activity would be unlawful.

All content is of a general nature and may not address the specific circumstances of any individual or entity. It is not a substitute for professional advice or services. Any actions you take based on the information provided here are strictly at your own risk. You accept full responsibility for any decisions or outcomes arising from your use of this website and agree to release us from any liability in connection with your use of, or reliance upon, the content or products found herein.