CVB Financial Corporation (CVBF) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
CVB Financial Corporation stock (CVBF) is currently trading at $19.18. CVB Financial Corporation PE ratio is 12.24. CVB Financial Corporation PS ratio (Price-to-Sales) is 4.87. Analyst consensus price target for CVBF is $22.88. WallStSmart rates CVBF as Moderate Buy.
- CVBF PE ratio analysis and historical PE chart
- CVBF PS ratio (Price-to-Sales) history and trend
- CVBF intrinsic value — DCF, Graham Number, EPV models
- CVBF stock price prediction 2025 2026 2027 2028 2029 2030
- CVBF fair value vs current price
- CVBF insider transactions and insider buying
- Is CVBF undervalued or overvalued?
- CVB Financial Corporation financial analysis — revenue, earnings, cash flow
- CVBF Piotroski F-Score and Altman Z-Score
- CVBF analyst price target and Smart Rating
CVB Financial Corporation
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CVBF Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · CVB Financial Corporation (CVBF)
CVBF trades at a significant discount to its Graham intrinsic value of $36.60, offering a 44% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
CVB Financial Corporation (CVBF) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
CVB Financial Corporation (CVBF) Key Strengths (6)
Keeps $56 of every $100 in revenue after operating costs
Keeps $40 of every $100 in revenue as net profit
81.05% of shares held by major funds and institutions
Good growth relative to its price
Trading at 1.10x book value, attractively priced
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
CVB Financial Corporation (CVBF) Areas to Watch (4)
Low profitability relative to shareholder equity
Premium valuation at 4.9x annual revenue
Modest revenue growth at 7.50%
Solid earnings growth at 10.80%
CVB Financial Corporation (CVBF) Detailed Analysis Report
Overall Assessment
This company scores 69/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 6 register as strengths (avg 8.8/10) while 4 fall into concern territory (avg 4.3/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Valuation metrics including PEG Ratio (1.47), Price/Book (1.10) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 56.30%, Profit Margin at 40.30%.
The Bear Case
The primary concerns are Return on Equity, Price/Sales, Revenue Growth. Some valuation metrics including Price/Sales (4.87) suggest expensive pricing. Growth concerns include Revenue Growth at 7.50%, EPS Growth at 10.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 9.34%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 9.34% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 7.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Return on Equity, Price/Sales). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CVBF Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CVBF's Price-to-Sales ratio of 4.87x trades 21% below its historical average of 6.16x (38th percentile). The current valuation is 56% below its historical high of 10.97x set in Oct 2017, and 107% above its historical low of 2.35x in May 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for CVB Financial Corporation (CVBF) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
CVB Financial Corporation is a mature, profitable business with steady cash generation. Revenue reached 519M with 8% growth year-over-year. Profit margins are strong at 40.3%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 934.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 40.3% and operating margin of 56.3% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 424.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact CVB Financial Corporation.
Bottom Line
CVB Financial Corporation is a well-established business delivering consistent profitability with 40.3% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About CVB Financial Corporation(CVBF)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
CVB Financial Corp. The company is headquartered in Ontario, California.