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Price (delayed)
$21.98
Market cap
$3.07B
P/E Ratio
15.37
Dividend/share
$0.8
EPS
$1.43
Enterprise value
$3.49B
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
CVBF's debt has dropped by 57% since the previous quarter and by 36% year-on-year
The equity has grown by 13% year-on-year and by 4% since the previous quarter
The P/E is 27% above the last 4 quarters average of 12.1 and 16% above the 5-year quarterly average of 13.3
Cvb Financial's net income has decreased by 17% YoY and by 3.2% from the previous quarter
Key stats
What are the main financial stats of CVBF
Market
Valuations
Earnings
Shares outstanding
139.68M
Market cap
$3.07B
Enterprise value
$3.49B
Price to earnings (P/E)
15.37
Price to book (P/B)
1.4
Price to sales (P/S)
5.92
EV/EBIT
12.55
EV/EBITDA
11.91
EV/Sales
6.72
Revenue
$518.82M
Gross profit
$518.82M
Net income
$198.37M
EBIT
$277.79M
EBITDA
$292.87M
Free cash flow
$218.89M
Per share
Balance sheet
Liquidity
EPS
$1.43
EPS diluted
$1.43
Free cash flow per share
$1.57
Book value per share
$15.73
Revenue per share
$3.71
TBVPS
$104.71
Total assets
$15.4B
Total liabilities
$13.21B
Debt
$894.52M
Equity
$2.2B
Working capital
N/A
Debt to equity
0.41
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.42
Margins
Efficiency
Dividend
EBITDA margin
56.4%
Gross margin
100%
Net margin
38.2%
Operating margin
53.5%
Return on assets
1.2%
Return on equity
9.4%
Return on invested capital
1.7%
Return on capital employed
N/A
Return on sales
53.5%
Dividend yield
3.64%
DPS
$0.8
Payout ratio
55.9%
CVBF stock price
How has the Cvb Financial stock price performed over time
Intraday
0.96%
1 week
-3.6%
1 month
-7.76%
1 year
7.48%
YTD
8.87%
QTD
23.34%
Financial performance
How have Cvb Financial's revenue and profit performed over time
Revenue
$518.82M
Gross profit
$518.82M
Operating income
$277.79M
Net income
$198.37M
Gross margin
100%
Net margin
38.2%
Cvb Financial's net income has decreased by 17% YoY and by 3.2% from the previous quarter
The operating income has declined by 17% year-on-year and by 4.5% since the previous quarter
Cvb Financial's operating margin has decreased by 12% YoY and by 2.9% QoQ
CVBF's net margin is down by 12% year-on-year
Growth
What is Cvb Financial's growth rate over time
Valuation
What is Cvb Financial stock price valuation
P/E
15.37
P/B
1.4
P/S
5.92
EV/EBIT
12.55
EV/EBITDA
11.91
EV/Sales
6.72
The P/E is 27% above the last 4 quarters average of 12.1 and 16% above the 5-year quarterly average of 13.3
CVBF's EPS is down by 16% year-on-year and by 3.4% since the previous quarter
The price to book (P/B) is 17% higher than the last 4 quarters average of 1.2
The equity has grown by 13% year-on-year and by 4% since the previous quarter
The price to sales (P/S) is 23% more than the last 4 quarters average of 4.8 and 8% more than the 5-year quarterly average of 5.5
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 22% YoY and by 6% QoQ
The company's return on assets fell by 20% YoY and by 8% QoQ
The ROIC has contracted by 15% YoY
CVBF's return on sales is down by 12% year-on-year and by 2.9% since the previous quarter
Dividends
What is CVBF's dividend history
DPS
$0.8
Dividend yield
3.64%
Payout ratio
55.9%
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 17% more than its total liabilities
Cvb Financial's total liabilities has decreased by 6% QoQ and by 5% YoY
Cvb Financial's total assets has decreased by 4.6% from the previous quarter and by 3.1% YoY
CVBF's debt is 59% smaller than its equity
The debt to equity has dropped by 58% since the previous quarter and by 42% year-on-year
CVBF's debt has dropped by 57% since the previous quarter and by 36% year-on-year
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.