Market Price

20.75 

0.55 2.7%

as of Aug 16 '19

52 Week Range:

19.21 24.97


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 that provides banking and financial products and services. The company offers checking, savings, and money market accounts, as well as time certificates of deposit; 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. In addition, the company offers various specialized services, such as cash management systems for monitoring cash flow, a credit card program for merchants, courier pick-up and delivery, payroll services, remote deposit capture, electronic funds transfer, and online account access. Further, it provides trust and investment-related services to customers through its CitizensTrust Division, such as fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. The company's customers consist primarily of small to mid-sized businesses and individuals 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. As of December 31, 2018, the company operated 68 banking centers and 3 trust office locations. 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 '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 5.93
6.01
6.07
6.70
7.27
7.29
8.02
8.65
9.27
9.77
12.99
growth rate 1.4% 1.0% 10.4% 8.5% 0.3% 10.0% 7.9% 7.2% 5.4% 33.0%
Earnings BIT 85.75
89.25
86.74
120.80
114.69
144.28
174.21
154.67
164.31
191.05
growth rate 4.1% -2.8% 39.3% -5.1% 25.8% 20.7% -11.2% 6.2% 16.3%
Avg.PE 15.67
15.31
14.66
12.92
14.08
18.76
15.86
18.08
25.30
25.54
17.70
growth rate -2.3% -4.3% -11.9% 9.0% 33.2% -15.5% 14.0% 39.9% 1.0% -30.7%
ROA 0.97
0.78
0.95
1.27
1.20
1.46
1.47
1.31
1.28
1.27
1.53
growth rate -19.6% 21.8% 33.7% -5.5% 21.7% 0.7% -10.9% -2.3% -0.8% 20.5%
ROE 13.74
9.27
9.78
12.03
10.43
12.42
12.54
10.95
10.55
10.10
10.38
growth rate -32.5% 5.5% 23.0% -13.3% 19.1% 1.0% -12.7% -3.7% -4.3% 2.8%
ROIC 7.11
6.08
10.14
8.13
8.08
10.05
10.29
growth rate -14.5% 66.8% -19.8% -0.6% 24.4% 2.4%
Leverage 13.48
10.56
10.00
9.07
8.34
8.63
8.40
8.31
8.15
7.73
6.22
growth rate -21.7% -5.3% -9.3% -8.1% 3.5% -2.7% -1.1% -1.9% -5.2% -19.5%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 328.41
234.55
81.84
8.96
10.40
4.94
14.66
19.10
growth rate -28.6% -65.1% -89.1% 16.1% -52.5% 196.9% 30.3%
Acct.Payable 3.53
1.49
1.11
5,604.66
5,918.96
6,333.46
6,546.85
8,827.49
growth rate -57.7% -25.6% 504,369.7% 5.6% 7.0% 3.4% 34.8%
Cur.Assets 184.87
192.36
214.74
211.97
230.12
growth rate 4.1% 11.6% -1.3% 8.6%
Total Assets 6,649.70
6,739.80
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
growth rate 1.4% -4.5% 0.7% -1.8% 4.7% 10.7% 4.0% 5.3% 2.4% 39.4%
Cash 95.60
104.50
454.50
2,681.94
2,676.52
2,862.44
105.77
106.10
121.63
144.38
163.95
growth rate 9.3% 334.9% 490.1% -0.2% 7.0% -96.3% 0.3% 14.6% 18.7% 13.6%
Inventory 5.64
6.99
4.53
4.53
0.42
growth rate 24.1% -35.3% 0.0% -90.7%
Cur.Liabilities 6,225.53
6,665.00
6,995.27
7,103.84
9,552.63
growth rate 7.1% 5.0% 1.6% 34.5%
Liabilities 6,034.80
6,101.50
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
growth rate 1.1% -5.1% -0.4% -2.9% 5.2% 10.3% 3.8% 5.0% 1.7% 34.4%
LT Debt 2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
225.25
25.77
25.77
25.77
25.77
growth rate 0.1% 0.1% 0.1% 0.1% 0.1% -88.8% -88.6% 0.0% 0.0% 0.0%
Equity 614.90
638.20
643.90
714.81
762.97
771.89
878.11
923.40
990.86
1,069.27
1,851.19
growth rate 3.8% 0.9% 11.0% 6.7% 1.2% 13.8% 5.2% 7.3% 7.9% 73.1%
Common Shares 83.00
93.00
106.00
105.00
105.00
105.00
106.00
106.00
108.00
110.00
122.00
growth rate 12.1% 14.0% -0.9% 0.0% 0.0% 1.0% 0.0% 1.9% 1.9% 10.9%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 4.80
3.80
6.50
1.68
4.27
2.42
1.89
1.87
12.62
4.89
4.19
growth rate -20.8% 71.1% -74.2% 154.8% -43.3% -21.8% -1.3% 575.0% -61.2% -14.3%
Cash Dividends 28.30
36.50
36.10
35.81
44.55
29.94
42.30
48.86
51.63
57.05
65.97
growth rate 29.0% -1.1% -0.8% 24.4% -32.8% 41.3% 15.5% 5.7% 10.5% 15.6%
Cash From OA 83.60
66.70
102.90
130.02
154.76
111.81
87.70
105.64
124.53
138.41
168.38
growth rate -20.2% 54.3% 26.4% 19.0% -27.8% -21.6% 20.5% 17.9% 11.1% 21.7%
FCF per Share 0.95
0.66
0.91
0.80
1.44
1.04
0.98
0.99
1.08
1.09
1.26
growth rate -30.5% 37.9% -12.1% 80.0% -27.8% -5.8% 1.0% 9.1% 0.9% 15.6%
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 79.00
62.00
96.00
128.00
150.00
109.00
86.00
104.00
111.00
135.00
164.00
growth rate -21.5% 54.8% 33.3% 17.2% -27.3% -21.1% 20.9% 6.7% 21.6% 21.5%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 228.10
303.30
316.40
303.94
278.13
258.06
289.03
292.03
296.47
328.77
391.03
growth rate 33.0% 4.3% -3.9% -8.5% -7.2% 12.0% 1.0% 1.5% 10.9% 18.9%
Op.Income 85.70
89.20
86.70
81.73
77.28
95.61
164.77
165.71
166.79
191.60
232.77
growth rate 4.1% -2.8% -5.7% -5.5% 23.7% 72.3% 0.6% 0.7% 14.9% 21.5%
IBT 85.75
89.25
86.74
120.80
114.69
144.28
162.80
151.37
162.29
188.80
211.12
growth rate 4.1% -2.8% 39.3% -5.1% 25.8% 12.8% -7.0% 7.2% 16.3% 11.8%
Net Income 63.10
65.40
62.90
81.73
77.28
95.61
104.02
99.15
101.43
104.41
152.00
growth rate 3.7% -3.8% 29.9% -5.5% 23.7% 8.8% -4.7% 2.3% 2.9% 45.6%
EPS 0.75
0.56
0.59
0.77
0.74
0.91
0.98
0.93
0.94
0.95
1.24
growth rate -25.3% 5.4% 30.5% -3.9% 23.0% 7.7% -5.1% 1.1% 1.1% 30.5%
Gross Profit 289.03
292.03
296.47
328.77
391.03
growth rate 1.0% 1.5% 10.9% 18.9%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT
growth rate
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable 50.29
75.43
19.10
35.83
49.58
growth rate 50.0% -74.7% 87.6% 38.4%
Acct.Payable 6,535.31
9,109.83
8,827.49
8,654.12
8,662.82
growth rate 39.4% -3.1% -2.0% 0.1%
Cur.Assets 262.11
310.18
230.12
252.72
184.54
growth rate 18.3% -25.8% 9.8% -27.0%
Total Assets 8,093.86
11,480.34
11,529.15
11,304.96
11,171.58
growth rate 41.8% 0.4% -1.9% -1.2%
Cash 181.49
194.48
163.95
172.21
175.84
growth rate 7.2% -15.7% 5.0% 2.1%
Inventory 0.42
0.42
2.28
2.28
growth rate 0.0% 441.7% 0.0%
Cur.Liabilities 6,922.03
9,541.35
9,552.63
9,275.10
9,084.09
growth rate 37.8% 0.1% -2.9% -2.1%
Liabilities 7,010.45
9,661.76
9,677.96
9,414.03
9,234.91
growth rate 37.8% 0.2% -2.7% -1.9%
LT Debt 25.77
25.77
25.77
25.77
25.77
growth rate 0.0% 0.0% 0.0% 0.0%
Equity 1,083.42
1,818.58
1,851.19
1,890.93
1,936.68
growth rate 67.9% 1.8% 2.2% 2.4%
Common Shares 575.50
1,299.05
1,293.67
1,294.09
1,928.40
growth rate 125.7% -0.4% 0.0% 49.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 0.51
2.26
0.71
1.49
1.14
growth rate 343.6% -68.5% 109.6% -23.6%
Cash Dividends 15.44
15.44
19.66
19.62
25.22
growth rate 0.0% 27.3% -0.2% 28.6%
Cash From OA 27.91
48.24
51.81
54.49
28.12
growth rate 72.9% 7.4% 5.2% -48.4%
Sale Purchase of Stock
growth rate
FCF 27.40
45.98
51.10
53.00
26.98
growth rate 67.8% 11.1% 3.7% -49.1%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 83.03
102.43
120.77
119.79
121.58
growth rate 23.4% 17.9% -0.8% 1.5%
Op.Income 49.27
61.93
71.26
74.20
76.49
growth rate 25.7% 15.1% 4.1% 3.1%
IBT 49.13
53.55
59.94
72.74
76.73
growth rate 9.0% 11.9% 21.3% 5.5%
Net Income 35.37
38.56
43.16
51.64
54.48
growth rate 9.0% 11.9% 19.7% 5.5%
EPS
growth rate
Gross Profit 83.03
102.43
120.77
119.79
121.58
growth rate 23.4% 17.9% -0.8% 1.5%
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:

B (77.88)

YOY Growth Grade:

D (48.32)

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 16.78 16.01 14.22
EPS / Growth 3.8% 1.30 10.0%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 24.4%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 3.8% 12.8% 12.8%
Future PE 7.64 18.83 18.83
Future EPS 1.89 4.30 4.30
Value Price
MOS %
3.56
-82.8%
20.03
-3.5%
20.03
-3.5%
MOS Price 1.78 10.02 10.02
IRT 12.35 8.60 8.60

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

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Risk / Reward Ratios

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