Market Price

22.07 

0.12 0.6%

as of Apr 09 '21

52 Week Range:

15.57 25.00


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

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. The company 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. It also provides commercial lending products comprising lines of credit and other working capital financing, accounts receivable lending, and letters of credit; loans to finance the operating needs of wholesale dairy farm operations, cattle feeders, livestock raisers, and farmers; lease financing services for municipal governments; commercial real estate and construction loans that are secured by owner-occupied and investor owned properties; and consumer financing products, including automobile leasing and financing, lines of credit, credit cards, home mortgages, and home equity loans and lines of credit. The company offers various specialized services, such as treasury management systems for monitoring cash flow, merchant card processing program, armored pick-up and delivery, payroll services, remote deposit capture, electronic funds transfers, wires and automated clearinghouse, and online account access. In addition, it provides trust services through its CitizensTrust Division, such as fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. As of December 31, 2020, the company operated 57 banking centers located in the Inland Empire, Los Angeles County, Orange County, San Diego County, Ventura County, Santa Barbara County, and the Central Valley area of California; one loan production office located in Modesto, California; and three trust offices located in Ontario, Newport Beach, and Pasadena. CVB Financial Corp. was founded in 1974 and is headquartered in Ontario, California.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Nov '18 Dec '19 Dec '20
Equity (BVPS) 6.07
6.70
7.27
7.29
8.02
8.65
9.27
9.77
12.99
14.03
14.62
growth rate 10.4% 8.5% 0.3% 10.0% 7.9% 7.2% 5.4% 33.0% 8.0% 4.2%
Earnings BIT 86.74
120.80
114.69
144.28
174.21
154.67
164.31
191.05
334.10
433.36
394.40
growth rate 39.3% -5.1% 25.8% 20.7% -11.2% 6.2% 16.3% 74.9% 29.7% -9.0%
Avg.PE 14.66
12.92
14.08
18.76
15.86
18.08
25.30
25.54
17.70
15.00
14.95
growth rate -11.9% 9.0% 33.2% -15.5% 14.0% 39.9% 1.0% -30.7% -15.3% -0.3%
ROA 0.95
1.27
1.20
1.46
1.47
1.31
1.28
1.27
1.53
1.82
1.37
growth rate 33.7% -5.5% 21.7% 0.7% -10.9% -2.3% -0.8% 20.5% 19.0% -24.7%
ROE 9.78
12.03
10.43
12.42
12.54
10.95
10.55
10.10
10.38
10.78
8.82
growth rate 23.0% -13.3% 19.1% 1.0% -12.7% -3.7% -4.3% 2.8% 3.9% -18.2%
ROIC 10.14
8.13
8.08
10.05
10.29
growth rate -19.8% -0.6% 24.4% 2.4%
Leverage 10.00
9.07
8.34
8.63
8.40
8.31
8.15
7.73
6.22
5.66
7.18
growth rate -9.3% -8.1% 3.5% -2.7% -1.1% -1.9% -5.2% -19.5% -9.0% 26.9%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Nov '18 Dec '19 Dec '20
Acct.Receivable 328.41
234.55
81.84
8.96
10.40
4.94
14.66
19.10
9.35
8.02
growth rate -28.6% -65.1% -89.1% 16.1% -52.5% 196.9% 30.3% -51.1% -14.2%
Acct.Payable 3.53
1.49
1.11
5,604.66
5,918.96
6,333.46
6,546.85
8,827.49
8,704.93
11,796.61
growth rate -57.7% -25.6% 504,369.7% 5.6% 7.0% 3.4% 34.8% -1.4% 35.5%
Cur.Assets 184.87
192.36
214.74
211.97
230.12
248.88
2,081.55
growth rate 4.1% 11.6% -1.3% 8.6% 8.2% 736.4%
Total Assets 6,436.70
6,482.92
6,363.36
6,664.97
7,377.92
7,671.20
8,073.71
8,270.59
11,529.15
11,282.45
14,419.31
growth rate 0.7% -1.8% 4.7% 10.7% 4.0% 5.3% 2.4% 39.4% -2.1% 27.8%
Cash 454.50
2,681.94
2,676.52
2,862.44
105.77
106.10
121.63
144.38
163.95
185.52
1,958.16
growth rate 490.1% -0.2% 7.0% -96.3% 0.3% 14.6% 18.7% 13.6% 13.2% 955.5%
Inventory 5.64
6.99
4.53
4.53
0.42
4.89
3.39
growth rate 24.1% -35.3% 0.0% -90.7% 1,064.1% -30.6%
Cur.Liabilities 6,225.53
6,665.00
6,995.27
7,103.84
9,551.68
9,145.09
12,278.00
growth rate 7.1% 5.0% 1.6% 34.5% -4.3% 34.3%
Liabilities 5,792.80
5,768.10
5,600.39
5,893.08
6,499.81
6,747.80
7,082.85
7,201.32
9,677.96
9,288.35
12,411.32
growth rate -0.4% -2.9% 5.2% 10.3% 3.8% 5.0% 1.7% 34.4% -4.0% 33.6%
LT Debt 2,010.00
2,011.00
2,012.00
2,013.00
225.25
25.77
25.77
25.77
25.77
25.77
25.77
growth rate 0.1% 0.1% 0.1% -88.8% -88.6% 0.0% 0.0% 0.0% 0.0% 0.0%
Equity 643.90
714.81
762.97
771.89
878.11
923.40
990.86
1,069.27
1,851.19
1,994.10
2,007.99
growth rate 11.0% 6.7% 1.2% 13.8% 5.2% 7.3% 7.9% 73.1% 7.7% 0.7%
Common Shares 106.00
105.00
105.00
105.00
106.00
106.00
108.00
110.00
140.00
140.00
136.00
growth rate -0.9% 0.0% 0.0% 1.0% 0.0% 1.9% 1.9% 27.3% 0.0% -2.9%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Nov '18 Dec '19 Dec '20
Capital Expenditures 6.50
1.68
4.27
2.42
1.89
1.87
12.62
4.89
4.19
5.52
4.67
growth rate -74.2% 154.8% -43.3% -21.8% -1.3% 575.0% -61.2% -14.3% 31.7% -15.4%
Cash Dividends 36.10
35.81
44.55
29.94
42.30
48.86
51.63
57.05
-65.97
95.35
98.48
growth rate -0.8% 24.4% -32.8% 41.3% 15.5% 5.7% 10.5% -100.0% 100.0% 3.3%
Cash From OA 102.90
130.02
154.76
111.81
87.70
105.64
124.53
138.41
164.95
208.18
185.10
growth rate 26.4% 19.0% -27.8% -21.6% 20.5% 17.9% 11.1% 19.2% 26.2% -11.1%
FCF per Share 0.91
0.80
1.44
1.04
0.98
0.99
1.08
1.09
1.26
1.40
1.41
growth rate -12.1% 80.0% -27.8% -5.8% 1.0% 9.1% 0.9% 15.6% 11.1% 0.7%
Sale Purchase of Stock -12.47
2.50
3.96
5.52
5.14
5.15
2.68
growth rate 100.0% 58.1% 39.5% -6.9% 0.1% -47.9%
FCF 96.00
128.00
150.00
109.00
86.00
104.00
111.00
135.00
164.00
203.00
180.00
growth rate 33.3% 17.2% -27.3% -21.1% 20.9% 6.7% 21.6% 21.5% 23.8% -11.3%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Nov '18 Dec '19 Dec '20
Sales 316.40
303.94
278.13
258.06
289.03
292.03
296.47
325.88
391.03
483.63
439.62
growth rate -3.9% -8.5% -7.2% 12.0% 1.0% 1.5% 9.9% 20.0% 23.7% -9.1%
Op.Income 86.70
81.73
77.28
95.61
164.77
165.71
166.79
188.71
334.10
302.13
256.07
growth rate -5.7% -5.5% 23.7% 72.3% 0.6% 0.7% 13.1% 77.1% -9.6% -15.2%
IBT 86.74
120.80
114.69
144.28
162.80
151.37
162.29
188.80
211.12
291.07
249.52
growth rate 39.3% -5.1% 25.8% 12.8% -7.0% 7.2% 16.3% 11.8% 37.9% -14.3%
Net Income 62.90
81.73
77.28
95.61
104.02
99.15
101.43
104.41
152.00
207.83
177.16
growth rate 29.9% -5.5% 23.7% 8.8% -4.7% 2.3% 2.9% 45.6% 36.7% -14.8%
EPS 0.59
0.77
0.74
0.91
0.98
0.93
0.94
0.95
1.24
1.48
1.30
growth rate 30.5% -3.9% 23.0% 7.7% -5.1% 1.1% 1.1% 30.5% 19.4% -12.2%
Gross Profit 289.03
292.03
296.47
325.88
391.03
483.63
439.62
growth rate 1.0% 1.5% 9.9% 20.0% 23.7% -9.1%

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT 108.72
89.23
92.50
104.51
108.16
growth rate -17.9% 3.7% 13.0% 3.5%
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Receivable 9.35
10.47
22.95
21.41
8.02
growth rate 12.1% 119.1% -6.7% -62.6%
Acct.Payable 8,704.93
9,113.60
10,983.58
11,168.83
11,796.61
growth rate 4.7% 20.5% 1.7% 5.6%
Cur.Assets 185.52
805.01
2,062.20
1,622.18
2,081.55
growth rate 333.9% 156.2% -21.3% 28.3%
Total Assets 11,282.45
11,606.89
13,751.30
13,818.71
14,419.31
growth rate 2.9% 18.5% 0.5% 4.4%
Cash 185.52
705.74
1,927.28
1,484.95
1,958.16
growth rate 280.4% 173.1% -23.0% 31.9%
Inventory 4.89
4.89
4.89
4.19
3.39
growth rate 0.0% 0.0% -14.3% -19.0%
Cur.Liabilities 428.66
9,520.95
11,503.87
11,701.29
12,278.00
growth rate 2,121.1% 20.8% 1.7% 4.9%
Liabilities 9,288.35
9,665.50
11,792.20
11,836.75
12,411.32
growth rate 4.1% 22.0% 0.4% 4.9%
LT Debt 25.77
25.77
25.77
25.77
25.77
growth rate 0.0% 0.0% 0.0% 0.0%
Equity 1,994.10
1,941.39
1,959.10
1,981.96
2,007.99
growth rate -2.6% 0.9% 1.2% 1.3%
Common Shares 140.10
1,208.05
1,209.45
1,210.65
1,211.78
growth rate 762.3% 0.1% 0.1% 0.1%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 2.46
0.88
0.67
0.89
2.23
growth rate -64.2% -24.3% 33.8% 149.2%
Cash Dividends -25.26
25.25
24.42
24.40
24.41
growth rate 100.0% -3.3% -0.1% 0.0%
Cash From OA 60.77
75.53
21.55
40.94
47.08
growth rate 24.3% -71.5% 89.9% 15.0%
Sale Purchase of Stock
growth rate
FCF 58.31
74.65
20.89
40.04
44.85
growth rate 28.0% -72.0% 91.7% 12.0%
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 119.66
101.23
104.77
116.48
117.18
growth rate -15.4% 3.5% 11.2% 0.6%
Op.Income 108.72
55.04
60.82
69.18
71.07
growth rate -49.4% 10.5% 13.8% 2.7%
IBT 70.59
53.31
58.82
66.89
70.50
growth rate -24.5% 10.4% 13.7% 5.4%
Net Income 51.28
37.98
41.63
47.49
50.06
growth rate -25.9% 9.6% 14.1% 5.4%
EPS
growth rate
Gross Profit 119.66
101.23
104.77
116.48
117.18
growth rate -15.4% 3.5% 11.2% 0.6%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (45.25)

YOY Growth Grade:

D (37.50)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 17.00 17.00 15.65
EPS / Growth 11.4% 1.30 10.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 13.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 10.0% 11.5% 11.5%
Future PE 15.65 18.54 18.54
Future EPS 3.37 3.85 3.85
Value Price
MOS %
13.03
-41.0%
17.63
-20.1%
17.63
-20.1%
MOS Price 6.51 8.82 8.82
IRT 9.80 9.30 9.30

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.

Risk / Reward Ratios

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.