CVB Financial Corp.
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 c…
Banks - Regional
US, Ontario [HQ]
Ratios
15 Sheets · From 2023 to 2009Configuration
Margins, Growth Rates In %
| Ratio | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||||||||
| Gross Margin | 100.00 | 100.00 | 47.68 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 99.91 | |
| Profit Margin | 21.54 | 19.83 | 30.32 | 30.82 | 39.72 | 38.16 | 34.67 | 34.66 | 32.52 | 38.72 | 42.91 | 38.16 | 46.01 | 42.38 | 33.23 | |
| Operating Margin | 60.75 | 47.75 | 12.69 | 57.97 | 67.35 | 65.52 | 54.90 | 58.18 | 61.39 | 57.05 | 60.10 | 53.75 | 64.44 | 60.76 | -0.99 | |
|
EPS Growth
|
-25.33 | 5.36 | 30.51 | -3.90 | 22.97 | 7.69 | -5.10 | 1.08 | 1.06 | 31.58 | 18.40 | -12.16 | 20.77 | 7.01 | -5.36 | |
| EPS USD | 56.00 | 59.00 | 77.00 | 74.00 | 91.00 | 98.00 | 93.00 | 94.00 | 95.00 | 125.00 | 148.00 | 130.00 | 157.00 | 168.00 | 159.00 | |
| Return on Assets (ROA) | 0.97 | 0.98 | 1.26 | 1.21 | 1.43 | 1.41 | 1.29 | 1.26 | 1.26 | 1.32 | 1.84 | 1.23 | 1.34 | 1.43 | 1.38 | |
| Return on Equity (ROE) | 10.25 | 9.77 | 11.43 | 10.13 | 12.39 | 11.85 | 10.74 | 10.24 | 9.76 | 8.21 | 10.42 | 8.82 | 10.21 | 12.08 | 10.66 | |
| Return on Invested Capital (ROIC) | 8.96 | 8.37 | 1.81 | 9.28 | 10.08 | 9.93 | 10.33 | 9.95 | 6.61 | 7.47 | 8.46 | 8.69 | 10.19 | 6.14 | -0.07 | |
| Solvency | ||||||||||||||||
| Equity Ratio | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Debt/Assets | 12.92 | 10.42 | 8.70 | 4.59 | 4.41 | 3.68 | 0.94 | 0.98 | 7.01 | 2.65 | 4.09 | 0.21 | 0.03 | 12.08 | 27.58 | |
| Debt/Equity | 136.41 | 104.12 | 78.86 | 38.26 | 38.09 | 30.89 | 7.77 | 7.95 | 54.20 | 16.52 | 23.15 | 1.53 | 0.22 | 102.13 | 212.66 | |
| Debt/EBITDA | 408.98 | 139.06 | 95.70 | 83.74 | 79.21 | 76.98 | -42.43 | -52.11 | -69.51 | 57.76 | -53.89 | -761.36 | -574.15 | 226.62 | 32,179.12 | |
|
Debt/Capitalization
|
57.70 | 51.01 | 44.09 | 27.67 | 27.58 | 23.60 | 7.21 | 7.36 | 35.15 | 14.18 | 18.80 | 1.51 | 0.22 | 50.53 | 68.02 | |
| Long-Term Debt/Capitalization | 15.27 | 15.16 | 13.86 | 25.85 | 22.57 | 20.42 | 2.72 | 2.54 | 2.35 | 1.37 | 1.28 | 1.27 | 0.11 | 33.80 | 49.90 | |
| Interest Debt per Share USD | 10.32 | 6.88 | 5.69 | 3.04 | 2.96 | 2.73 | 0.76 | 0.81 | 5.37 | 2.62 | 3.46 | 0.33 | 0.08 | 14.32 | 32.43 | |
| Debt Growth | -53.01 | -23.00 | -15.91 | -48.21 | 0.70 | -7.73 | -73.54 | 9.75 | -67.28 | 1,086.37 | -91.57 | 19.40 | -92.59 | 43,521.22 | 137.76 | |
| Liquidity | ||||||||||||||||
| Current Ratio | 592.92 | 809.75 | 924.85 | 13,888.48 | 5,575.96 | 8,753.39 | 9,388.89 | 8,957.95 | 12,943.53 | 2,936.82 | 5,569.03 | 88,923.86 | 218,693.69 | 1,901.26 | 3.72 | |
| Quick Ratio | 294.01 | 405.09 | 581.70 | 10,049.53 | 4,277.90 | 7,098.83 | 5,580.08 | 4,725.63 | 5,777.25 | 703.53 | 5,569.03 | 88,923.86 | 218,693.69 | 1,901.26 | 25.76 | |
| Cash Ratio | 13.55 | 81.11 | 89.64 | 612.63 | 234.90 | 281.77 | 299.99 | 319.78 | 405.36 | 61.29 | 529.54 | 40,034.46 | 77,095.44 | 114.10 | 2.10 | |
| Operating Cash Flow Ratio | - - | - - | - - | 500 | 100 | 100 | 200 | 200 | 300 | - - | 500 | 3,700 | 8,500 | 100 | - - | |
| Turnover | ||||||||||||||||
| Inventory Turnover | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | -0.48 | |
| Receivables Turnover | 1,059.08 | 1,341.97 | 1,146.45 | 172.78 | 140.81 | 350.26 | 385.76 | 452.71 | 457.05 | 611.55 | 911.36 | 1,019.26 | 1,005.67 | 684.74 | 221.10 | |
| Payables Turnover | - - | - - | 3,999.58 | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | 2.67 | |
|
Asset Turnover
|
4.51 | 4.93 | 4.16 | 3.94 | 3.61 | 3.70 | 3.73 | 3.62 | 3.88 | 3.40 | 4.29 | 3.22 | 2.91 | 3.37 | 4.16 | |
| Fixed Turnover | 732.69 | 775.48 | 742.98 | 714.67 | 733.14 | 811.58 | 911.29 | 695.30 | 695.42 | 674.52 | 897.32 | 907.72 | 940.88 | 1,189.56 | 1,003.98 | |
| Coverage | ||||||||||||||||
| Interest Coverage | 208.44 | 261.38 | 97.65 | 575.09 | 982.03 | 1,089.80 | 1,831.68 | 2,134.68 | 2,375.74 | 1,747.41 | 1,318.39 | 1,746.85 | 4,895.53 | 3,686.53 | -9.88 | |
| Asset Coverage | 700 | 900 | 1,100 | 2,100 | 2,200 | 2,700 | 10,600 | 10,200 | 34,000 | 3,700 | 45,100 | 46,700 | 695,200 | 1,700 | 100 | |
| Cash Flow Coverage (CFGR) | 7.58 | 15.34 | 23.06 | 53.01 | 38.03 | 32.33 | 147.19 | 156.47 | 24.09 | 55.07 | 45.09 | 601.47 | 4,279.75 | 13.76 | 6.69 | |
| EBITDA Coverage | 200 | 200 | 400 | 500 | 900 | 1,000 | 1,800 | 2,100 | 2,300 | 1,800 | 1,300 | 1,800 | 5,000 | 3,700 | - - | |
| Dividend Coverage | -100 | -100 | -200 | -100 | -300 | -200 | -200 | -100 | -100 | -200 | -200 | -100 | -200 | -200 | -100 | |
| Time Interest Earned (TIE) | 400 | 400 | - - | -200 | -300 | -200 | -200 | 5,800 | 6,600 | -200 | -200 | -200 | -200 | 8,800 | 900 | |
| Market Prospects | ||||||||||||||||
| Dividend Yield | 4.54 | 3.93 | 3.40 | 4.10 | 1.67 | 2.51 | 2.73 | 2.10 | 2.21 | 2.68 | 3.16 | 3.71 | 3.38 | 2.90 | 4.00 | |
| Earnings Yield | 8.15 | 6.86 | 7.75 | 7.12 | 5.35 | 6.17 | 5.54 | 4.12 | 4.05 | 6.18 | 6.89 | 6.68 | 7.34 | 6.55 | 7.93 | |
|
Price/Earnings (P/E)
|
1,227.67 | 1,458.62 | 1,290.28 | 1,405.22 | 1,869.85 | 1,620.76 | 1,804.13 | 2,425.32 | 2,468.78 | 1,619.30 | 1,451.19 | 1,497.30 | 1,361.69 | 1,527.47 | 1,261.29 | |
| Price/Earnings Growth (PEG) | -48.46 | 272.27 | 42.29 | -360.67 | 81.39 | 210.70 | -353.61 | 2,255.55 | 2,320.65 | 51.28 | 78.87 | -123.11 | 65.56 | 218.01 | -235.44 | |
|
Price/Book (P/B)
|
125.84 | 142.58 | 147.53 | 142.33 | 231.60 | 192.00 | 193.71 | 248.27 | 241.07 | 132.96 | 151.24 | 132.10 | 139.03 | 184.55 | 134.41 | |
| Price/Tangible Book (P/TB) | 125.84 | 142.58 | 147.53 | 142.33 | 231.60 | 192.00 | 193.71 | 248.27 | 241.07 | 132.96 | 151.24 | 132.10 | 139.03 | 184.55 | 134.41 | |
| Price/Sales (P/S) | 264.49 | 289.28 | 391.23 | 433.16 | 742.73 | 618.42 | 625.46 | 840.66 | 802.89 | 627.06 | 622.68 | 571.38 | 626.47 | 647.35 | 419.18 | |
|
Price/Cash Flow (P/CF)
|
1,216.35 | 892.41 | 811.11 | 701.70 | 1,598.88 | 1,922.34 | 1,693.17 | 1,995.84 | 1,846.58 | 1,461.82 | 1,448.71 | 1,433.10 | 1,482.20 | 1,313.71 | 944.74 | |
| Price/Free CF (P/FCF) | 1,298.18 | 954.71 | 821.70 | 721.61 | 1,634.27 | 1,964.75 | 1,723.67 | 2,223.41 | 1,913.66 | 1,499.16 | 1,488.19 | 1,470.21 | 1,518.58 | 1,339.95 | 1,533.65 | |
| Price/Operating CF (P/OCF) | 1,216.35 | 892.41 | 811.11 | 701.70 | 1,598.88 | 1,922.34 | 1,693.17 | 1,995.84 | 1,846.58 | 1,461.82 | 1,448.71 | 1,433.10 | 1,482.20 | 1,313.71 | 944.74 |