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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#3032
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$2.6B
David A. Brager
CVB Financial Corp. operates as a bank holding company for Citizens Business Bank. It offers checking, savings, money market, and time certificates of deposit products. The company also provides agriculture loans to finance the operating needs of wholesale dairy farm operations, cattle feeders, livestock raisers, and farmers.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = CVBF ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$CVBF CVB FINANCIAL CORP | 44 | 30 | 45 | 45 | 13.5x | 10.1x | 9.0% | 1.3% | 0.0% | 45.8% | 34.2% | -5.6% | 4.3% | 586.0x | $2.6B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
CVB FINANCIAL CORP (CVBF) receives a "Reduce" rating with a composite score of 43.6/100. It ranks #3032 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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In-line with peers — no strong momentum signal
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for CVBF.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 30 | 35 | -5NEUTRAL |
| MOMENTUM | 45 | 44 | +1NEUTRAL |
| VALUATION | 45 | 55 | -10DRAG |
| INVESTMENT | 47 | 91 | -44DRAG |
| STABILITY | 59 | 65 | -6DRAG |
| SHORT INT | 30 | 20 | +10ALPHA |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 21.6% vs WACC 7.7% (spread +13.8%)
GM 0% vs sector 78%, OM 46% vs sector 18%
Capital turnover 0.90x
Rev growth -6%, 10yr history
Interest coverage 2.0x, Net debt/EBITDA 2.4x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate CVB FINANCIAL CORP (CVBF) as a Reduce with a composite score of 43.6/100 at a current price of $19.61. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
CVB FINANCIAL CORP holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 43.6/100 places it at rank #3032 in our full universe.
Narrow
Medium
Poor
Fair Value
Stable competitive position in a defensive sector.
Leverage of 586% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
CVB FINANCIAL CORP represents a reduce based on multi-factor quantitative performance.
CVB FINANCIAL CORP receives a Reduce rating from our analysis, with a composite score of 43.6/100 and 2 out of 5 stars, ranking #3032 out of 7,333 stocks. CVBF's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
CVBF's quality score of 30/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 9.0% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 34.2% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 45/100, CVBF appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 13.53x, an EV/EBITDA of 10.11x, a P/B ratio of 1.22x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
With an investment score of 47/100, CVBF exhibits moderate growth-oriented spending. Key growth metrics include revenue growth of -5.6% vs. a sector average of 10.7% and a return on assets of 1.3% (sector: 1.3%). The company appears to be balancing growth investments with capital returns, though the pace of investment may not be enough to accelerate top-line growth meaningfully.
CVBF is currently showing below-average momentum at 45/100, which may indicate weakening institutional interest or negative sentiment shifts. Revenue growth stands at -5.6% year-over-year, while a beta of 0.72 reflects its sensitivity to broader market moves. Investors should note that declining momentum can precede further price weakness, though contrarian opportunities sometimes emerge at these levels.
With a stability score of 59/100, CVBF exhibits average financial resilience. Key stability metrics include a beta of 0.72 and a debt-to-equity ratio of 586.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
CVB FINANCIAL CORP's short interest score of 30/100 reveals significant bearish positioning, suggesting institutional investors are actively betting against the stock. Specific risk factors include elevated leverage (D/E: 586.00x). At $2.6B (mid-cap), CVBF carries meaningful risk and is best suited for investors with high risk tolerance who have thoroughly evaluated the bear thesis.
CVB FINANCIAL CORP offers an attractive dividend yield of 4.3%, placing it among the higher-yielding stocks in its peer group. This compares to a sector average dividend yield of 2.0%. A yield this high can provide meaningful income, but investors should verify the payout is sustainable by examining the payout ratio, free cash flow coverage, and any history of dividend cuts.
CVB FINANCIAL CORP is a mid-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #3032 of 7,333 overall (59th percentile). Key comparisons include ROE of 9.0% trailing the 9.0% sector median and operating margins of 45.8% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While CVBF currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
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Improvement in Quality (30) would have the largest impact on the composite score.
EV/EBITDA 30% ABOVE SECTOR MEDIAN
ROE IN LINE WITH SECTOR BENCHMARKS
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
Monteverde & Associates PC, a class action securities firm, has announced an investigation into Heritage Commerce Corp's proposed sale to CVB Financial Corp. Under the deal terms, Heritage shareholders would receive 0.6500 shares of CVB common stock for each Heritage share. The firm is questioning whether the transaction represents a fair deal for shareholders.
CVB Financial Corp. and Heritage Commerce Corp have signed a definitive merger agreement, creating a California business bank with approximately $22 billion in assets. The all-stock transaction values Heritage at $811 million and is expected to close in the second quarter of 2026.
Banks play a critical role in the financial system, providing everything from commercial loans to wealth management and payment processing services. Furthermore, economic conditions have supported loan growth and fee income, a trend that has enabled the banking industry to return 19.1% over the past six months. At the same time, the S&P 500 was up 9.1%.
As February 2026 begins, the U.S. stock market has seen a strong start with major indexes like the Dow Jones Industrial Average and S&P 500 posting significant gains. Amid this positive momentum, investors continue to seek reliable income streams, making dividend stocks an attractive option in a landscape marked by economic shifts and policy changes.
As February 2026 begins, U.S. stock indexes have shown a strong start to the month, with key indices like the Dow Jones and S&P 500 climbing significantly, reflecting positive market sentiment despite recent economic uncertainties such as delayed jobs data due to a government shutdown. In this dynamic environment, identifying promising small-cap stocks requires careful consideration of factors like market resilience and potential for growth amidst broader economic shifts.