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Insufficient data to determine institutional momentum.
Data as of Q3 2026
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Ranked against 19 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-09-30.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| STT | $47.4B | 18.5× | — | 3.4× | 7.3% | — | 21.1% | 10.6% | 10.6% | — | 388 |
| NTRS | $31.6B | 19.8× | — | 3.9× | -2.5% | — | 21.5% | 13.4% | 13.4% | — | 272 |
| CFG | $27.7B | 17.0× | — | 3.4× | 5.6% | — | 22.2% | 7.0% | 4.9% | — | 319 |
| FCNCA | $26.5B | 14.4× | — | 2.8× | -2.2% | — | 23.1% | 9.9% | 3.8% | — | 162 |
| ALLY | $12.1B | 16.7× | — | 1.5× | -3.3% | — | 10.8% | 5.5% | 2.5% | — | 140 |
| UCB | $4.5B | 14.2× | — | 4.2× | 11.7% | — | 30.9% | 9.0% | 8.5% | — | 84 |
| FBP | $4.0B | 12.4× | — | 3.2× | 2.4% | — | 27.5% | 17.5% | 15.3% | — | 67 |
| CVBF | $4.0B | 15.0× | — | — | — | — | — | 9.1% | 9.1% | — | 63 |
| FHB | $3.1B | 11.7× | — | 3.5× | 8.9% | — | 31.4% | 10.0% | 10.0% | — | 74 |
| BUSE | $2.4B | 20.1× | — | 3.4× | 55.7% | — | 18.8% | 5.5% | 5.5% | — | 61 |
| GABC | $1.9B | 16.1× | — | 3.8× | 37.8% | — | 23.1% | 9.7% | 8.9% | — | 39 |
| PEBO | $1.4B | 13.0× | 13.5× | 16.1× | 2.3% | — | — | 8.8% | 5.5% | 3.8× | 41 |
| UVSP | $1.1B | 12.6× | — | 3.3× | 9.6% | — | 27.7% | 9.6% | 9.4% | — | 49 |
| FMNB | $934M | 10.9× | — | 3.3× | 3.9% | — | 19.5% | 11.2% | 6.4% | — | 33 |
| WASH | $750M | 14.5× | — | 3.3× | 128% | — | 22.8% | 9.6% | 9.6% | — | 39 |
| ACNB | $667M | 18.2× | — | 3.5× | 45.1% | — | 19.3% | 8.8% | 5.0% | — | 22 |
| COFS | $523M | 17.4× | — | 2.3× | 63.6% | — | 12.4% | 6.1% | 6.1% | — | 23 |
| CFFI | $362M | 13.4× | — | 2.6× | 10.6% | — | 19.1% | 10.3% | 9.5% | — | 11 |
| MYFW | $307M | 23.5× | — | 3.2× | 7.6% | — | 13.6% | 5.0% | 5.0% | — | 17 |
| MNSB | $153M | 12.2× | — | 1.1× | -1.6% | 54.3% | 11.5% | 7.1% | 7.1% | — | 16 |
Peers = companies sharing CVBF's sector (State Commercial Banks) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.
Top 40 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
What the company returns to shareholders — and whether it's covered by cash.
The dividend is comfortably covered — only 51% of free cash flow, leaving room to grow it and fund buybacks. Last year: $111.0M dividends + $81.1M buybacks = $192.1M returned on $217.3M FCF.
1 consecutive years of dividend increases · 6%/yr.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 10 years — and what it earned on reinvestment.
A cash-return story — far more went to shareholders than back into the business (mature, low-reinvestment).
Reinvestment has been productive — operating income grew well per dollar put in. Current ROIC on all capital: 9%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
A reverse discounted cash flow is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
Leverage ratios is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
How much the company owes, how it's trended, and how comfortably it's serviced.
Cash of $376.4M (at 2025-12-31) covers the $0 due within a year 376389000.0× over. Scheduled principal only (excludes interest & revolver draws). As of 2011-12-31 (10-K). The cash figure is from 2025-12-31, so the two are not the same balance-sheet date — the schedule has not been refiled since.
Coverage is adequate but not comfortable. Effective rate ~11.9% on $995.0M of debt. Interest last disclosed in FY2023 (no longer broken out).
Cash vs short-term debt unavailable.
Short-term / long-term split not separately reported.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Maturity ladder from the SEC long-term-debt repayment schedule. Educational — not a recommendation.
EOD close · as of 2026-10-30
How a revenue dollar becomes profit — FY2025
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income | $314.0M | $314.0M | $314.0M | $300K | — | — | — | — | — | — |
| Interest Expense | — | — | $118.3M | $9.2M | $6.1M | $14.3M | $22.1M | $12.8M | $8.3M | $8.0M |
| Pretax Income | $281.7M | $271.2M | $315.4M | $328.3M | $297.6M | $249.5M | $291.1M | $211.1M | $188.8M | $162.3M |
| Income Tax Expense | $72.4M | $70.5M | $94.0M | $92.9M | $85.1M | $72.4M | $83.2M | $59.1M | $84.4M | $60.9M |
| Net Income | $209.3M | $200.7M | $221.4M | $235.4M | $212.5M | $177.2M | $207.8M | $152.0M | $104.4M | $101.4M |
| Per Share | ||||||||||
| EPS (Basic) | $1.52 | $1.44 | $1.59 | $1.67 | $1.57 | $1.30 | $1.48 | $1.25 | $0.95 | $0.94 |
| EPS (Diluted) | $1.52 | $1.44 | $1.59 | $1.67 | $1.56 | $1.30 | $1.48 | $1.24 | $0.95 | $0.94 |
| Weighted Avg Shares (Basic) | 136.8M | 138.4M | 138.3M | 139.7M | 135.2M | 136.0M | 139.8M | 121.7M | 109.4M | 107.3M |
| Weighted Avg Shares (Diluted) | 137.1M | 138.6M | 138.5M | 140.0M | 135.4M | 136.2M | 139.9M | 122.0M | 109.8M | 107.7M |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
Last reported position per insider, carried forward. Steps can be a holding disclosed for the first time rather than a trade.
| Date | Insider | What it was | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-10-20 | Laygo Sheryl Chief Accounting Officer | Tax withholding | 359 | $22.16 | $8k |
| 2026-08-31 | Maddox Mike Director | Open-market buy | 10,000 | $22.03 | $220k |
| 2026-08-23 | Maddox Mike Director | Grant | 3,138 | $22.57 | $71k |
| 2026-08-05 | Harvey David C EVP Chief Operating Officer | Open-market sale |
Every row is classified by what it MEANT, not by its SEC code. A code is not a meaning: code P (“purchase”) also covers dividend reinvestment and employee stock purchase plans, and code S (“sale”) also covers 10b5-1 plan sales scheduled months earlier and option exercises sold the same day.
Across 30 days of all filings, $5.08bn of insider selling contained $3.50bn of plan sales and $0.46bn of exercise-and-sell. Only 29% was discretionary. Reading an unclassified feed badly overstates how much insiders decided.
Buys and sales are counted separately and never netted. They are different decisions by different people; a company where one officer bought while another sold is not “neutral”.
The holding line carries each insider's last reported position forward, so it shows the total held rather than a sawtooth of whoever traded that day. It covers only insiders who filed in the window.
“Filed late” counts calendar days past the two-business-day deadline with five days' grace, so a Thursday or Friday trade crossing a weekend is never flagged. It describes the company's filing discipline, not the trade.
Insider activity is descriptive. Nothing here is investment advice.
EOD close · as of 2026-10-30
Cost of capital cannot be computed, so the spread is unknown.
No material counter-signal in the checked set: ROIC vs WACC spread, 5-year spread history, gross margin trend, operating margin trend, net margin against 3 years ago, revenue growth, ROIC ex-goodwill gap.
Missing from our data, so excluded from this answer: wacc.
| 40,000 |
| $22.94 |
| $918k |
| 2026-07-28 | O Brien Raymond V Iii Director | Open-market buy | 20,000 | $22.77 | $455k |
| 2026-06-05 | Wohl Richard H EVP & General Counsel | Tax withholding | 8,944 | $20.50 | $183k |
| 2026-06-01 | Deangelis Yamynn EVP Chief Risk Officer | Tax withholding | 11,109 | $20.10 | $223k |
| 2026-05-22 | Borba George A Jr Director | Open-market buyindirect | 48,894 | $20.45 | $1000k |
| 2026-05-20 | Ehrnman Roger Lynn EVP, Chief Risk Officer | Grant | 10,000 | $0.00 | $0 |
| 2026-05-20 | Del Guercio Stephen A Director | Grant | 4,187 | $0.00 | $0 |
| 2026-05-20 | Stephens Timothy Michael Director | Grant | 4,187 | $0.00 | $0 |
| 2026-05-20 | Oswalt Hal W Director | Grant | 4,187 | $0.00 | $0 |
| 2026-05-20 | Olvera Jane Director | Grant | 4,187 | $0.00 | $0 |
| 2026-05-20 | O Brien Raymond V Iii Director | Grant | 4,187 | $0.00 | $0 |
| 2026-05-20 | Kan Anna Director | Grant | 4,187 | $0.00 | $0 |
| 2026-05-20 | Borba George A Jr Director | Grant | 4,187 | $0.00 | $0 |
| 2026-05-20 | Biagini Komas Julianne M Director | Grant | 4,187 | $0.00 | $0 |
| 2026-05-19 | Borba George A Jr Director | Open-market buyindirect | 25,187 | $19.85 | $500k |
| 2026-05-14 | Borba George A Jr Director | Open-market buyindirect | 25,097 | $19.92 | $500k |
| 2026-05-12 | Borba George A Jr Director | Open-market buyindirect | 50,242 | $19.90 | $1000k |
| 2026-04-17 | Biagini Komas Julianne M Director | Grant | 44,326 | $0.00 | $0 |
| 2026-04-17 | 2 co-filers President | Grant | 244,767 | $0.00 | $0 |
| 2026-04-17 | 2 co-filers President | Grant | 10,000 | $0.00 | $0 |
| 2026-03-31 | 2 co-filers EVP & CFO | Option exercise | 6,000 | $16.62 | $100k |
| 2026-03-31 | 2 co-filers EVP & CFO | Option exercise | 6,000 | $0.00 | — |
| 2026-03-20 | 2 co-filers Chief Accounting Officer | Tax withholding | 248 | $18.60 | $5k |
| 2026-03-19 | 2 co-filers Chief Accounting Officer | Tax withholding | 248 | $18.88 | $5k |
| 2026-03-16 | 2 co-filers President & CEO | Grant | 30,149 | $0.00 | $0 |
| 2026-03-16 | 2 co-filers EVP & CCO | Grant | 9,547 | $0.00 | $0 |
| 2026-03-16 | 2 co-filers EVP Chief Operating Officer | Grant | 12,562 | $0.00 | $0 |
| 2026-03-16 | 2 co-filers EVP & CFO | Grant | 12,562 | $0.00 | $0 |
| 2026-03-16 | 2 co-filers EVP & General Counsel | Grant | 8,291 | $0.00 | $0 |
| 2026-03-16 | 2 co-filers EVP Chief Operating Officer | Tax withholding | 6,256 | $19.00 | $119k |
| 2026-03-16 | 2 co-filers EVP & CFO | Tax withholding | 6,238 | $19.00 | $119k |
| 2026-03-16 | 2 co-filers President & CEO | Tax withholding | 15,072 | $19.00 | $286k |
| 2026-03-16 | 2 co-filers EVP & General Counsel | Tax withholding | 4,145 | $19.00 | $79k |
| 2026-03-16 | 2 co-filers EVP & CCO | Tax withholding | 3,426 | $19.00 | $65k |
| 2026-02-22 | Laygo Sheryl Chief Accounting Officer | Tax withholding | 248 | $20.48 | $5k |
| 2026-01-27 | 2 co-filers EVP Chief Risk Officer | Tax withholding | 575 | $19.60 | $11k |
| 2026-01-26 | 2 co-filers EVP Chief Risk Officer | Tax withholding | 824 | $19.84 | $16k |
Where each multiple sits in its own 14-yr range · 75th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 14-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
ROE 9% against ROIC 9% — 0% of the return on equity comes from leverage and buybacks rather than from the operating business.
What the company owes vs. what it holds
This shows debt/cash structure and net leverage. The year-by-year maturity schedule is on the Debt & Leverage tab.
Latest year: profit growth vs revenue growth
Operating leverage needs meaningful revenue change.
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on CVBF: price, valuation and headline fundamentals from SEC filings. The four questions at the top of the page are where the judgements live.
Return on equity (9%) and return on invested capital (9%) are within a couple of points in FY2025, so the headline return is the operating return — there is no meaningful leverage effect to strip out.
Converts 1.12x of reported profit into free cash flow over 5 years, with accruals negative.
| Step | Amount | Running total |
|---|---|---|
| Net income | $209M | $209M |
| Share-based comp | $6M | $216M |
| Other non-cash & working capital | $6M | $221M |
| Operating cash flow | $221M | $221M |
| Capex | −$4M | $217M |
| Free cash flow | $217M | $217M |
| FCF after SBC | $211M | $211M |
| Fiscal year | Accruals / assets |
|---|---|
| FY2019 | 0.0 percent |
| FY2020 | -0.1 percent |
| FY2021 | 0.1 percent |
| FY2022 | -0.2 percent |
| FY2023 | -0.5 percent |
| FY2024 | -0.3 percent |
| FY2025 | -0.1 percent |
SBC is added back inside operating cash flow, so reported free cash flow treats shares issued to employees as free. Percent of revenue says how expensive the payroll is; percent of operating cash flow says how much of the cash exists only because the charge was added back. The buyback offset is buybacks over SBC — below 1.0 the repurchase does not cover the shares issued.
Figures are the latest fiscal year (FY2025) from the company's own filings, not a trailing-twelve-month window — Q2 reads fiscal years throughout so the cash-conversion ratios and these share one basis. A blank is a line the filer did not report; it is never read as zero.
The cash conversion cycle could not be computed — receivables, inventory or cost of revenue is not reported — so the earliest accrual warning is not part of this verdict.
Leverage is not measurable this way for a bank.
This schedule comes from a filing dated 2011-12-31, 5417 days old. Maturities are shown relative to that date, not to today.
Ladder as of 2011-12-31 (10-K); cash from the 2025-12-31 balance sheet; FCF from FY2025.
Balance sheet at 2025-12-31. Undrawn revolving credit is not shown: the tag is collected but not yet mapped through to the API.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Missing from our data, so excluded from this answer: capital adequacy metrics for this archetype.
At $22.75, free cash flow must compound 3.4%/yr for 10 years. It has done 1.17%/yr over 6 years.
| Fiscal year | FCF growth | Price requires |
|---|---|---|
| FY2020 | −11.0% | 3.4% |
| FY2021 | 5.6% | 3.4% |
| FY2022 | 40.8% | 3.4% |
| FY2023 | 8.5% | 3.4% |
| FY2024 | −16.0% | 3.4% |
| FY2025 | −11.2% | 3.4% |
The percentile ranks the FISCAL-YEAR point, because the distribution behind each strip is built from fiscal-year closes — ranking a TTM figure inside it would compare two different bases. TTM basis: TTM.
The cost of capital could not be computed for this company, so the requirement is solved at the published 10% default — a different rate would move it materially.