Obermatt

CVB Financial

NSQ:CVBF · US1266001056
BanksSmall

360

97
Profit price59
Cash yield97
Price/Sales5
EV / Gross Profit29
Price/Book38
Returns on capital53
Profit margins
Cash Conversion55
Accruals49
Owner Earnings Margin87
Sales growth96
Profit Growth77
Owner Earnings Growth18
Reinvestment73
Price momentum19
Debt load32
Debt serviceability66
Liquidity79
Analyst ratings22
Opinion Changes50
Price Target Upside89
Market mood73
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

CVB Financial clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1981
Websitecbbank.com
ISINUS1266001056
Last UpdateApr 2, 2026

Description

CVB Financial Corp. (CVB) operates as a bank holding company for Citizens Business Bank (CBB or the bank). The company's principal business is to serve as a holding company for the bank, as well as for other banking or banking-related subsidiaries.…

Analysis

Quality compounder

CVB Financial Corp. is a quality compounder: a well-run business trading at a price that reflects what it is worth.

The price is fair. You pay 16.8× its owner earnings: the cash an owner could take out each year, which is in the historically fair zone.

The trajectory is solid and the balance sheet is sturdy. The company scores 10/20 on our value-creation score: creating some value. Analysts lean positive.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
89
2023202420252026

All-time high

96

Mar 2026

All-time low

5

Jan 2023

Average rank

47

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
5
5
7
9
Price/Earnings
24
11
43
9
Price/Book
38
30
16
19
Dividend Yield
97
79
70
63
Value (overall)
37
21
24
13

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →