Stock Scorecard

Stock Summary for CVB Financial Corp (CVBF) - $19.71 as of 2/2/2026 10:31:32 AM EST

Total Score

9 out of 30

Safety Score

40 out of 100

Currently on the following lists
None
Tim's Recommendation
Avoid

Growth List Algorithm Criteria for CVBF

Positive Quarterly and Annual earnings growth
P/E ratio less than Industry P/E Ratio
P/E ratio less than Sector P/E Ratio
P/E ratio that is half the Annual earnings growth rate (or less)
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Positive net income past year and 12 trailing months
Free cash flow ratio greater than 0 and less than 10

Small Cap List Algorithm Criteria for CVBF

Revenue growing by at least 20% average per year over the last 5 years
Market Capitalization under 2 billion
Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months
Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months
Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year

Dividend List Algorithm Criteria for CVBF

Declared an ex-dividend date
Forward annual dividend rate greater than 2
Positive net cash position the past year and most recent quarter
Equity to debt ratio greater than 0.75 for past year and most recent quarter
Current ratio most recent quarter greater than 2
Cash Flow per Share greater than Trailing Dividend Rate

Bonus Criteria for CVBF

P/E ratio less than five-year Average P/E ratio
Last Price to 52 Week Low Ratio Less Than 1
Total Cash Per Share > Last Day Price
P/S Ratio < 1
P/B Ratio < 1

Safety Rating Criteria for CVBF (40 out of 100)

Stock Price Rating (Max of 10) 6
Historical Stock Price Rating (Max of 10) 7
Stock Price Trend (Max of 10) 2
Book Value (Max of 10) 6
Book Value to Price (Max of 10) 1
Analyst Buy Ratings (Max of 5) 0
Analyst Strong Buy Ratings (Max of 5) 4
Dividend Yield Percentage (Max of 10) 6
Operating Margin (Max of 10) 8
Trading Volume (Max of 10) 10
Price to Earnings (Max of 10) 0
Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) -10

Financial Details for CVBF

Company Overview
Ticker CVBF
Company Name CVB Financial Corp
Country N/A
Description CVB Financial Corporation, based in Ontario, California, is a prominent financial services entity known for delivering a wide array of banking solutions tailored to commercial and individual customers. Its wholly-owned subsidiary, Citizens Business Bank, excels in areas including commercial lending, treasury management, and personal banking, with a strong commitment to innovation and superior customer service. As a publicly traded company, CVB Financial has established a reputation for robust profitability and exemplary asset quality, making it a dependable choice for clients while strategically expanding its footprint across California and adjacent markets.
Sector Name FINANCIAL SERVICES
Industry Name BANKS - REGIONAL
Most Recent Quarter 9/30/2025
Next Earnings Date 4/21/2026

Stock Price History
Last Day Price 19.71
Price 4 Years Ago 22.50
Last Day Price Updated 2/2/2026 10:31:32 AM EST
Last Day Volume 2,597,301
Average Daily Volume 1,685,167
52-Week High 20.90
52-Week Low 15.53
Last Price to 52 Week Low 26.92%

Valuation Measures
Trailing PE N/A
Industry PE 16.70
Sector PE 25.57
5-Year Average PE 13.51
Free Cash Flow Ratio 24.95
Industry Free Cash Flow Ratio 9.54
Sector Free Cash Flow Ratio 33.41
Current Ratio Most Recent Quarter 0.23
Total Cash Per Share 0.79
Book Value Per Share Most Recent Quarter 16.60
Price to Book Ratio 1.15
Industry Price to Book Ratio 1.22
Sector Price to Book Ratio 1.97
Price to Sales Ratio Twelve Trailing Months 5.34
Industry Price to Sales Ratio Twelve Trailing Months 3.30
Sector Price to Sales Ratio Twelve Trailing Months 3.84
Analyst Buy Ratings 0
Analyst Strong Buy Ratings 2

Share Statistics
Total Shares Outstanding 135,552,000
Market Capitalization 2,671,729,920
Institutional Ownership N/A

Dividends
Ex-Dividend Date 12/29/2025
Previous Dividend Amount 0.2000
Current Dividend Amount 0.2000
Total Years Dividend Increasing 0
Trailing Annual Dividend Rate 0.80
Trailing Annual Dividend Yield 4.10%
Forward Annual Dividend Rate 0.80
Forward Annual Dividend Yield 4.10%
5-Year Dividend Payments Count 20
3-Year Average Dividend Yield 4.58%
5-Year Average Dividend Yield 4.14%
1-Year Dividend Growth Rate Percentage -20.00%
3-Year Dividend Growth Rate Percentage 1.93%
5-Year Dividend Growth Rate Percentage -2.90%
All-Time Dividend Growth Rate Percentage 12.40%
Dividend Payout Ratio 54.05%

Income Statement
Quarterly Earnings Growth YOY 3.60%
Annual Earnings Growth 4.28%
Reported EPS 12 Trailing Months 1.48
Reported EPS Past Year 1.50
Reported EPS Prior Year 1.44
Net Income Twelve Trailing Months 207,570,000
Net Income Past Year 209,298,000
Net Income Prior Year 200,716,000
Quarterly Revenue Growth YOY 0.90%
5-Year Revenue Growth 4.92%
Operating Margin Twelve Trailing Months 54.90%

Balance Sheet
Total Cash Most Recent Quarter 107,511,000
Total Cash Past Year 107,511,000
Total Cash Prior Year 205,178,000
Net Cash Position Most Recent Quarter -92,489,000
Net Cash Position Past Year -1,239,131,000
Long Term Debt Past Year 1,346,642,000
Long Term Debt Prior Year 565,431,000
Total Debt Most Recent Quarter 200,000,000
Equity to Debt Ratio Past Year 0.63
Equity to Debt Ratio Most Recent Quarter 0.92
Total Stockholder Equity Past Year 2,295,224,000
Total Stockholder Equity Prior Year 2,186,316,000
Total Stockholder Equity Most Recent Quarter 2,295,224,000

Free Cash Flow
Free Cash Flow Twelve Trailing Months 246,939,000
Free Cash Flow Per Share Twelve Trailing Months 1.82
Free Cash Flow Past Year 244,630,000
Free Cash Flow Prior Year 244,630,000

Options
Put/Call Ratio 0.00
Has Options Options Chain
Liquidity Rating

Technical Analysis
Yahoo Finance Chart Yahoo Finance Chart
MACD 0.17
MACD Signal 0.17
20-Day Bollinger Lower Band 0.00
20-Day Bollinger Middle Band 0.00
20-Day Bollinger Upper Band 0.00
Beta 0.69
RSI 0.00
50-Day SMA 18.81
150-Day SMA 17.12
200-Day SMA 18.32

System
Modified 1/30/2026 8:54:03 PM EST