CVB Financial

CVBF

Banks - Regional · Financial Services

Price

$22.82

-0.48 (-2.06%)

Market Cap

$3.10B

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

CVB Financial Corp. operates as a bank holding company for Citizens Business Bank, a state-chartered bank that provides banking and financial services to small to mid-sized businesses and individuals. It offers checking, savings, money market, and time certificates of deposit products for business and personal accounts; and serves as a federal tax depository for business customers. The company also provides commercial lending products comprising lines of credit and other working capital financin

Winston Score History

Politician Trades

2 trades / 12mo

0 Congressional buys and 2 sells on CVBF in the last 12 months.

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Share count broadly stable

+0.4% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 135.4M (2021) → 135.9M (2025)

Score breakdown

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Quality

Gross Margin

78.7%

Premium pricing power — 78.7% gross margin

Operating Margin

42.7%

Excellent — 42.7% operating margin

ROCE

2.1%

Weak — 2.1% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-0.1%

Shrinking sales (-0.1% YoY)

EPS YoY

+3.4%

Modest earnings growth (3.4% YoY)

Single-digit earnings growth — steady but not exciting.

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

116%

Turns 116% of profit into real cash

FCF Margin

36.8%

Converts sales into free cash efficiently (36.8%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.43

Conservative — low debt load (0.43)

Interest Cover

2.13x

Tight — interest eats into profit (2.1x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

15.1x

Fair value — P/E 15.1

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+0.8

GROWING

Earnings roughly flat

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Dividends

Dividend Yield

3.89%

Moderate income — 3.89% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+0.0%

Dividend flat

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