CVBF
CVB Financial Corp. Financial Services - Banks - Regional Investor Relations →
CVB Financial Corp. (CVBF) closed at $22.37 as of 2026-07-31, trading 25.0% above its 200-week moving average of $17.89. The stock is currently moving closer to the line, down from 26.1% last week. The 14-week RSI sits at 70, indicating neutral momentum.
Trading volume is running at 1.1x of its 14-week average, which is in the normal range. The balance between buying and selling volume (0.92 ratio) is neutral — neither side is clearly dominating.
Over the past 2212 weeks of data, CVBF has crossed below its 200-week moving average 26 times. On average, these episodes lasted 21 weeks. Historically, investors who bought CVBF at the start of these episodes saw an average one-year return of +10.8%.
With a market cap of $3.9 billion, CVBF is a mid-cap stock. Return on equity stands at 7.6%. The stock trades at 1.2x book value.
Over the past 33.6 years, a hypothetical investment of $100 in CVBF would have grown to $4130, compared to $3098 for the S&P 500. That represents an annualized return of 11.7% vs 10.8% for the index — confirming CVBF as a market-beating investment and the kind of quality company where buying during 200-week moving average touches has historically been rewarded.
Free cash flow has been declining at a -6.8% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: CVBF vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After CVBF Crosses Below the Line?
Across 23 historical episodes, buying CVBF when it crossed below its 200-week moving average produced an average return of +18.4% after 12 months (median +21.0%), compared to +9.8% for the S&P 500 over the same periods. 85% of those episodes were profitable after one year. After 24 months, the average return was +31.5% vs +17.7% for the index.
Each line shows $100 invested at the moment CVBF crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices CVBF would reach each dislocation threshold.
Dislocation Price Levels
Prices where CVBF's Bean Score would hit each σ threshold. Valid until next earnings report (date TBD — last report: 2026-03-31).
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $19.20 | Unusually cheap — potential buy zone |
| Value | +1σ | $19.92 | Cheap vs. own history |
| Fair Value | +0σ | $20.70 | Historical mean behavior |
| Expensive | -1σ | $21.54 | Expensive vs. own history |
| Deep Expensive | -2σ | $22.45 | Unusually expensive — potential trim zone |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are reference points for identifying potential swing trade opportunities, not buy/sell signals. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from CVBF's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. They are starting points for research, not buy or sell signals. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
CVBF has crossed below its 200-week MA 26 times with an average 1-year return of +10.8% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Jun 1984 | Jun 1985 | 54 | 33.9% | -6.5% | +15585.7% |
| Aug 1990 | Aug 1990 | 1 | 4.4% | -1.1% | +3872.4% |
| Sep 1990 | Feb 1991 | 22 | 24.7% | -5.2% | +3708.5% |
| Apr 1991 | Mar 1993 | 101 | 34.7% | -18.6% | +3631.6% |
| Apr 1993 | Jul 1993 | 13 | 11.2% | +6.5% | +3655.1% |
| Mar 2000 | Mar 2000 | 1 | 0.1% | +21.9% | +1105.6% |
| Apr 2000 | Apr 2000 | 1 | 1.0% | +24.9% | +1095.8% |
| Jan 2007 | Sep 2008 | 87 | 29.1% | -24.4% | +252.3% |
| Oct 2008 | Mar 2010 | 75 | 51.9% | -31.1% | +254.8% |
| May 2010 | Jun 2010 | 1 | 1.8% | -5.5% | +314.2% |
| Aug 2010 | Mar 2011 | 33 | 26.2% | +3.7% | +377.0% |
| May 2011 | Jun 2011 | 2 | 3.9% | +26.5% | +338.4% |
| Aug 2011 | Oct 2011 | 9 | 9.8% | +51.7% | +360.1% |
| Feb 2020 | Jan 2021 | 45 | 21.1% | +20.1% | +56.1% |
| Jan 2021 | Feb 2021 | 1 | 2.3% | +17.7% | +43.3% |
| Jul 2021 | Aug 2021 | 3 | 4.2% | +28.0% | +39.0% |
| Sep 2021 | Sep 2021 | 3 | 2.9% | +37.8% | +41.9% |
| Nov 2021 | Nov 2021 | 1 | 0.2% | +49.1% | +38.4% |
| Mar 2023 | Dec 2023 | 38 | 44.7% | -4.2% | +42.2% |
| Jan 2024 | Jul 2024 | 27 | 15.5% | +7.3% | +30.2% |
| Jul 2024 | Oct 2024 | 10 | 11.4% | +9.3% | +38.5% |
| Mar 2025 | Apr 2025 | 7 | 11.9% | +4.3% | +26.6% |
| Jun 2025 | Jun 2025 | 2 | 1.1% | +19.3% | +26.8% |
| Jul 2025 | Aug 2025 | 1 | 1.3% | +26.8% | +26.8% |
| Oct 2025 | Oct 2025 | 1 | 2.6% | N/A | +27.7% |
| Oct 2025 | Nov 2025 | 1 | 0.9% | N/A | +25.4% |
| Average | 21 | — | +10.8% | — |
Frequently Asked Questions
Is CVBF below its 200-week moving average?
No. CVB Financial Corp. (CVBF) is currently 25.0% above its 200-week moving average of $17.89. It would need to fall to $17.89 to cross below the line.
What is CVBF's 200-week moving average price?
CVB Financial Corp.'s 200-week moving average is $17.89 as of 2026-07-31. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when CVBF drops below its 200-week moving average?
CVBF has crossed below its 200-week moving average 26 times in our data. On average, buying at that moment produced a one-year return of +10.8%. These dips have historically been decent entry points. These episodes lasted 21 weeks on average.
Is CVBF a good value right now?
Here's what our data says about CVBF as of 2026-07-31: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 70. Return on equity is 7.6%. Price-to-book is 1.2x. This is not a buy or sell recommendation — always do your own research.
How does CVBF compare to the S&P 500?
Over the past 33.6 years, $100 invested in CVBF would have grown to $4130, compared to $3098 for the S&P 500. That's 11.7% annualized vs 10.8% for the index. CVBF has outperformed the broader market over this period.
Does CVBF pay a dividend?
Yes. CVB Financial Corp. currently pays a dividend yield of 358.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-07-31