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CVB Financial

CVBF
59
Banks - Regional · Financial Services
Exchange
NASDAQ
Winston Score
59
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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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)
15.0x
no trend
Attractive valuation — P/E 15.0

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

P/E vs Forward
N/A
not available
Data not available

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Dividends

Not applicable for this business.
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