Price (delayed)
$17.13
Market cap
$2.39B
P/E Ratio
11.57
Dividend/share
$0.8
EPS
$1.48
Enterprise value
$3.61B
CVB Financial Corp. (“CVBF”) is the holding company for Citizens Business Bank. CVBF is one of the 10 largest bank holding companies headquartered in California with over $13 billion in
Highlights
The P/E is 14% below the 5-year quarterly average of 13.4
The equity has grown by 6% year-on-year
CVBF's debt is down by 9% since the previous quarter but it is up by 6% year-on-year
Cvb Financial's net income has decreased by 17% YoY and by 2.7% from the previous quarter
CVBF's EPS is down by 15% year-on-year and by 2.6% since the previous quarter
Key stats
What are the main financial stats of CVBF
Market
Valuations
Earnings
Shares outstanding
139.68M
Market cap
$2.39B
Enterprise value
$3.61B
Price to earnings (P/E)
11.57
Price to book (P/B)
1.13
Price to sales (P/S)
4.53
EV/EBIT
12.41
EV/EBITDA
11.85
EV/Sales
6.84
Revenue
$528.05M
EBIT
$290.79M
EBITDA
$304.58M
Free cash flow
$233.03M
Per share
Balance sheet
Liquidity
EPS
$1.48
Free cash flow per share
$1.67
Book value per share
$15.13
Revenue per share
$3.78
TBVPS
$110.09
Total assets
$16.15B
Total liabilities
$14.04B
Debt
$2.07B
Equity
$2.11B
Working capital
N/A
Debt to equity
0.98
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
4
Margins
Efficiency
Dividend
EBITDA margin
57.7%
Gross margin
100%
Net margin
38.8%
Operating margin
55.1%
Return on assets
1.3%
Return on equity
10%
Return on invested capital
1.7%
Return on capital employed
N/A
Return on sales
55.1%
Dividend yield
4.67%
DPS
$0.8
Payout ratio
54.1%
CVBF stock price
How has the Cvb Financial stock price performed over time
Intraday
-2.5%
1 week
-7%
1 month
1.36%
1 year
-1.27%
YTD
-15.16%
QTD
-0.64%
Financial performance
How have Cvb Financial's revenue and profit performed over time
Revenue
$528.05M
Gross profit
$528.05M
Operating income
$290.79M
Net income
$205.03M
Gross margin
100%
Net margin
38.8%
Cvb Financial's net income has decreased by 17% YoY and by 2.7% from the previous quarter
The operating income has declined by 15% year-on-year and by 3% since the previous quarter
CVBF's net margin is down by 12% year-on-year
Cvb Financial's operating margin has decreased by 10% YoY
Growth
What is Cvb Financial's growth rate over time
Valuation
What is Cvb Financial stock price valuation
P/E
11.57
P/B
1.13
P/S
4.53
EV/EBIT
12.41
EV/EBITDA
11.85
EV/Sales
6.84
CVBF's EPS is down by 15% year-on-year and by 2.6% since the previous quarter
The P/E is 14% below the 5-year quarterly average of 13.4
The price to book (P/B) is 19% lower than the 5-year quarterly average of 1.4 and 6% lower than the last 4 quarters average of 1.2
The equity has grown by 6% year-on-year
The price to sales (P/S) is 19% less than the 5-year quarterly average of 5.6
Cvb Financial's revenue has decreased by 6% YoY
Efficiency
How efficient is Cvb Financial business performance
The company's return on equity fell by 21% YoY and by 3.8% QoQ
The ROIC has contracted by 19% YoY and by 6% from the previous quarter
The company's return on assets fell by 13% YoY
CVBF's return on sales is down by 10% year-on-year
Dividends
What is CVBF's dividend history
DPS
$0.8
Dividend yield
4.67%
Payout ratio
54.1%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Cvb Financial financials performed over time
Cvb Financial's total assets is 15% more than its total liabilities
Cvb Financial's total liabilities has decreased by 3.1% YoY and by 2.4% QoQ
Cvb Financial's total assets has decreased by 2% YoY
CVBF's debt is 2.1% smaller than its equity
The debt to equity has declined by 10% since the previous quarter
CVBF's debt is down by 9% since the previous quarter but it is up by 6% year-on-year
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.