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CVB Financial Corp.

NASDAQ•CVBF
CEO: Mr. David A. Brager
セクター: Financial Services
業種: Banks - Regional
上場日: 1983-04-04
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. It 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. The company also provides commercial lending products comprising lines of credit and other working capital financing, accounts receivable lending, and letters of credit; agriculture 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; 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, it 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. Further, the company provides trust services, such as fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. CVB Financial Corp. was founded in 1974 and is headquartered in Ontario, California.
連絡先情報
701 North Haven Avenue, Suite 350, Ontario, CA, 91764, United States
909-980-4030
www.cbbank.com
時価総額
$2.55B
PER (TTM)
12.4
14.6
配当利回り
4.3%
52週高値
$21.48
52週安値
$16.01
52週レンジ
51%
順位33Top 25.7%
4.8
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.8 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$163.06M-12.04%
直近4四半期の推移

EPS

$0.40+11.11%
直近4四半期の推移

フリーCF

$16.79M-100.00%
直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

Net Earnings Increased 4.28% Net earnings reached $209.3M, driven by NIM expansion to 3.36% (up 27 bps) due to lower funding costs following 2024 deleveraging.
Asset Quality Shows Strong Improvement Nonperforming loans sharply decreased to $4.7M (0.05% ratio), resulting in a $3.5M recapture of credit loss provision for 2025.
Capital Ratios Remain Robust Consolidated CET1 ratio stood at 15.89% and Total Risk-Based Capital ratio at 16.66%, well exceeding minimum regulatory requirements.
Balance Sheet Grows; Heritage Merger Announced Total assets grew 3.15% to $15.63B; announced all-stock merger with Heritage Commerce Corp. expected to close in Q2 2026.

リスク要因

Interest Rate Sensitivity Exposure NIM is sensitive to interest rate fluctuations; simulation shows potential NII sensitivity of -2.66% under a 200 bps rate drop scenario.
Commercial Real Estate Concentration Loan portfolio heavily concentrated in California CRE, exposing the bank to downturns in regional real estate values and potential regulatory scrutiny.
Pending Merger Integration Risks Risks include failure to complete the Heritage merger, difficulty retaining key personnel, and realizing anticipated cost synergies post-close.
Core Deposit Base Stability Reliance on core deposits is key; higher rates caused a shift from noninterest-bearing deposits to higher-cost alternatives, impacting funding costs.

見通し

Slow GDP Growth Forecasted Economic forecast projects GDP growth under 2% through 2028, with unemployment exceeding 5% from mid-2026 until late 2028.
Credit Loss Allowance Expectations ACL remains appropriate, but future provisions may increase due to uncertain economic conditions and continued CRE valuation pressures.
Focus on Heritage Integration Future success depends on effectively managing the expanded $22B asset base and achieving anticipated synergies post-merger close.
Maintaining Regulatory Compliance Must maintain capital ratios above Basel III requirements, especially while preparing for the combined entity's regulatory standing post-merger.

同業比較

売上高 (TTM)

BKU stock ticker logoBKU
$2.14B
+5.8%
BANC stock ticker logoBANC
$1.81B
-3.3%
WAFD stock ticker logoWAFD
$1.39B
-6.7%

粗利益率 (最新四半期)

PRK stock ticker logoPRK
83.5%
+4.2pp
CVBF stock ticker logoCVBF
81.1%
+23.7pp
TRMK stock ticker logoTRMK
72.6%
+8.7pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
BKU$3.30B12.59.0%5.6%
SBCF$3.00B20.45.8%6.4%
BOH$2.94B14.211.6%0.4%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
0.8%
緩やかな成長
4四半期純利益CAGR
2.5%
収益性の緩やかな改善
キャッシュフロー安定性
100%
優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月21日
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EPS:-
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売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書
直近12ヶ月
データなし