ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is CVB Financial Corp. ?
1
High Profitability with a Net Interest Margin of 2.66%
2
Strong Long Term Fundamental Strength with a 3.44% CAGR growth in Net Profits
3
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26
- OPERATING CASH FLOW(Y) Highest at USD 576.95 MM
- NII(Q) Highest at USD 162.41 MM
- DIVIDEND PAYOUT RATIO(Y) Highest at 69.66%
4
With ROA of 0.74%, it has a fair valuation with a 1.12 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 12.32%, its profits have risen by 4.9% ; the PEG ratio of the company is 1.7
5
High Institutional Holdings at 76.57%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to CVB Financial Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is CVB Financial Corp. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
CVB Financial Corp.
12.32%
1.61
24.37%
S&P 500
15.36%
1.17
13.09%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.63%
EBIT Growth (5y)
2.67%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
52.73%
Pledged Shares
0
Institutional Holding
83.31%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.12
EV to EBIT
10.95
EV to EBITDA
10.38
EV to Capital Employed
1.11
EV to Sales
4.96
PEG Ratio
1.73
Dividend Yield
NA
ROCE (Latest)
10.10%
ROE (Latest)
9.11%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 576.95 MM
NII(Q)
Highest at USD 162.41 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 69.66%
CREDIT DEPOSIT RATIO(HY)
Highest at 73.78%
NET SALES(Q)
Highest at USD 202.13 MM
OPERATING PROFIT(Q)
Highest at USD 96.45 MM
PRE-TAX PROFIT(Q)
Highest at USD 96.45 MM
NET PROFIT(Q)
Highest at USD 71.29 MM
-1What is not working for the Company
EPS(Q)
Lowest at USD 0.29
Here's what is working for CVB Financial Corp.
Operating Cash Flow
Highest at USD 576.95 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
At USD 202.13 MM has Grown at 34.88%
over average net sales of the previous four periods of USD 149.85 MMMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
NII
Highest at USD 162.41 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 202.13 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 96.45 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 96.45 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 71.29 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Credit Deposit Ratio
Highest at 73.78%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Highest at 69.66%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for CVB Financial Corp.
EPS
Lowest at USD 0.29
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Capital Adequacy Ratio
Lowest at 14.7%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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