Stock AnalizCvb Financial Corp. CVBF
Major Banks · data as of November 13, 2026
Cvb Financial Corp. (CVBF) is a financial company listed in the US with a market value of about $3.9B. In the twelve months to September 30, 2026 it had revenue of $641M and net income of $232M, a net margin of 36.3%.
Its overall Stock Analiz score is 2.8 out of 5 (average). The strongest part is shareholder returns (5/5); the weakest is future growth (1/5).
Key numbers: a P/E of 14.8, a price to free cash flow of 6.2, 5-year revenue growth of 2% a year, a 5-year average ROIC of 7%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 4% above the current price.
Score: 2.8 / 5
Checks passed
- P/E below 25
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- Profit margin improving
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
- Positive free cash flow
- Interest covered more than 5 times
Checks not passed
- P/E below the industry median
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $641M | $515M | $502M | $547M | $556M | $462M | $466M | $495M | $393M | $321M | $293M |
| Net income | $232M | $209M | $201M | $221M | $235M | $213M | $177M | $208M | $152M | $104M | $101M |
| Free cash flow | $630M | $217M | $245M | $291M | $268M | $191M | $180M | $203M | $161M | $134M | $112M |
| EPS (diluted) | $1.52 | $1.52 | $1.44 | $1.59 | $1.67 | $1.56 | $1.30 | $1.48 | $1.24 | $0.95 | $0.94 |
| Net margin | 36.3% | 40.6% | 40.0% | 40.5% | 42.4% | 46.0% | 38.0% | 42.0% | 38.7% | 32.5% | 34.7% |
| ROIC | — | 10.0% | 10.4% | 7.1% | 0.0% | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 6 analysts is $26.25, 17% above the current price; targets range from $25.00 to $28.00; the consensus rating is “Buy”; expected EPS is $1.78 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Cvb Financial’s P/E ratio?
About 14.8, based on the last twelve months of diluted earnings per share (forward P/E about 11.7).
Is Cvb Financial stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 4% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Cvb Financial pay a dividend?
Yes. The dividend yield is about 3.53%, and it has paid dividends for 10 years in our data.
Is Cvb Financial a good stock to buy?
We do not give buy or sell advice. Cvb Financial scores 2.8 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.