ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is CVB Financial Corp. ?
1
High Profitability with a Net Interest Margin of 2.69%
2
Strong Long Term Fundamental Strength with a 3.47% CAGR growth in Net Profits
- NII(Q) Highest at USD 122.66 MM
- GROSS NPA (%)(Q) Lowest at 0.05%
- NET SALES(Q) Highest at USD 155.98 MM
3
With ROA of 0.76%, it has a very attractive valuation with a -11.34 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 0.85%, its profits have risen by 5.1% ; the PEG ratio of the company is 1.7
4
High Institutional Holdings at 81.09%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.98% over the previous quarter.
5
Underperformed the market in the last 1 year
- The stock has generated a return of 0.85% in the last 1 year, much lower than market (S&P 500) returns of 11.87%
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?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
CVB Financial Corp.
14.5%
0.58
28.62%
S&P 500
36.95%
0.62
19.30%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.63%
EBIT Growth (5y)
2.77%
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
52.63%
Pledged Shares
0
Institutional Holding
81.09%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
-11.34
EV to EBIT
11.58
EV to EBITDA
11.04
EV to Capital Employed
9.84
EV to Sales
5.27
PEG Ratio
1.69
Dividend Yield
NA
ROCE (Latest)
85.04%
ROE (Latest)
Negative BV
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 Trend9What is working for the Company
NII(Q)
Highest at USD 122.66 MM
GROSS NPA (%)
(Q
NET SALES(Q)
Highest at USD 155.98 MM
PRE-TAX PROFIT(Q)
Highest at USD 75.92 MM
NET PROFIT(Q)
Highest at USD 56.2 MM
EPS(Q)
Highest at USD 0.4
-3What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 176.53 MM
Here's what is working for CVB Financial Corp.
NII
Highest at USD 122.66 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Non Performing Loans (%)
Lowest at 0.05%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Net Sales
Highest at USD 155.98 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Pre-Tax Profit
Highest at USD 75.92 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 56.2 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.4
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for CVB Financial Corp.
Operating Cash Flow
Lowest at USD 176.53 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Capital Adequacy Ratio
Lowest at 15.9%
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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