# CVB Financial Corporation (CVBF) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $22.62, market value $4.0 billion.

## Valuation
- **P/E (trailing): 15.7×** (5-yr avg 12.4×, 3-yr avg 12.4×). CVB Financial Corporation trades at 15.7× trailing earnings, well above its own five-year average of 12.4×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.3×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 2.04**. A PEG of 2.04 means the P/E is high relative to expected earnings growth; the price already assumes a lot.
- **Price / book: 1.3×**. The shares trade at 1.3× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 14.4%** (5-yr avg 9.1%). Free cash flow equals 14.4% of the market value, above its five-year average of 9.1%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 6.4%**. The inverse of the P/E: 6.4% of the price is earned each year.

## Profitability
- **Return on equity: 9.1%**. 9.1% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): 5.6%** (3-yr -3.1%/yr, 5-yr 3.2%/yr). Earnings per share rose 5.6%.
- **Free-cash-flow growth (3 yr): -6.8%/yr**. Free cash flow has compounded at -6.8% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: $376 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 3.54%** ($0.80 per share, trailing). CVB Financial Corporation yields 3.54%, an income-level yield.
- **Payout ratio: 53%** (19% of free cash flow). 53% of earnings goes out as dividends, leaving room to keep raising it.
- **Dividend growth (5 yr): -2.3%/yr** (1-yr -20.0%). The dividend has not grown over five years.

## Analyst view
- **Analyst consensus: buy** (6 analysts). 6 analysts cover CVB Financial Corporation; the consensus is buy, with an average price target of $26.17 (+16% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 15.2%** (YTD 24.0%, 3-mo 11.3%). The shares are up 15.2% over twelve months including dividends.
- **From 52-week high: -3.4%** (26.0% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 53**. An RSI of 53 is neutral.
- **Beta (1 yr): 0.65** (volatility 24%). Beta of 0.65 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CVBF · Page: https://foliofundamentals.com/stocks/cvbf

Not investment advice.