logo
logo
CVB Financial Corp.

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
$2.77B
PER (TTM)
13.4
14.8
配当利回り
3.9%
52週高値
$21.48
52週安値
$16.01
52週レンジ
81%
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

$127.05M-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

$0.00-100.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Quarterly Net Earnings Increased Net earnings reached $52.6M in Q3 2025, a 2.66% rise from Q3 2024, yielding an annualized ROAE of 9.19% for the period.
Tax-Equivalent NIM Expanded Tax-equivalent NIM grew 28 basis points year-over-year to 3.33% for the quarter, driven by lower funding costs exceeding interest income declines.
Credit Quality Remains Stable ACL ended at $79.3M, 0.94% of loans; YTD net recoveries of $214K contrast sharply with $3.9M net charge-offs reported last year.
Efficiency Ratio Improved Efficiency ratio improved to 45.56% this quarter, down 97 basis points from Q3 2024, reflecting better control over noninterest expenses.

リスク要因

Loan Modifications Increase Risk Sixteen loans totaling $10.8M were modified for borrowers experiencing difficulty this nine-month period, signaling potential future credit stress.
Deposit Cost Management Critical Cost of total interest-bearing deposits increased 29 basis points year-over-year, driven by rising repurchase agreement rates to 2.00%.
Interest Rate Sensitivity Exposure Balance sheet remains modestly asset sensitive, but EVE sensitivity shows potential value decline if rates instantly drop 300 or 400 basis points.

見通し

Cautious Economic Forecast Management's economic forecast anticipates lower GDP growth through 2027 and unemployment averaging 5% through 2028, impacting future provisioning.
Capital Ratios Exceed Requirements Capital ratios remain well above regulatory minimums; CET1 ratio stood at 16.33% and Tier 1 Leverage at 11.76% as of September 30, 2025.
Commercial Real Estate Concentration Commercial real estate loans comprise 77.2% of the total loan portfolio, with 80.59% secured by properties primarily located in California.

同業比較

売上高 (TTM)

BankUnited, Inc.BKU
$2.14B
+5.8%
Banc of California, Inc.BANC
$1.81B
-3.3%
WaFd, Inc.WAFD
$1.39B
-6.7%

粗利益率 (最新四半期)

CVB Financial Corp.CVBF
100.0%
+23.7pp
Park National CorporationPRK
83.5%
+4.2pp
Trustmark CorporationTRMK
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$3.63B13.79.0%5.3%
SBCF$3.26B22.35.8%6.4%
FFBC$3.16B11.29.8%5.6%

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
-7.3%
成長鈍化
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
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月21日
|
EPS:-
|
売上高:-
財務レポート
財務データ
全年度
  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月7日|
    売上高: $163.12M-3.7%
    |
    EPS: $0.38+2.7%
    予想通り
  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月8日|
    売上高: $158.95M-8.4%
    |
    EPS: $0.36+0.0%
    予想を上回る
  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月9日|
    売上高: $159.23M-7.3%
    |
    EPS: $0.37+5.7%
    予想を上回る
  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年2月28日|
    売上高: $658.69M-1.0%
    |
    EPS: $1.44-9.4%
    予想を上回る
  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月7日|
    売上高: $169.41M-0.4%
    |
    EPS: $0.37-11.9%
    予想を上回る
  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月8日|
    売上高: $173.50M+7.3%
    |
    EPS: $0.36-10.0%
    予想を上回る
  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月9日|
    売上高: $171.80M+10.3%
    |
    EPS: $0.35-16.7%
    予想通り
  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年2月28日|
    売上高: $665.66M+18.5%
    |
    EPS: $1.59-4.8%
    予想を上回る