Profitability
Weight: 25%
C+
60
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 1.4%
- Operating Margin Trend -5.69 pp/yr
CVBF
CVB Financial Corp.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
B+
78
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 14.2%
- 5yr Share-Count CAGR 0.1%
Growth Quality
Weight: 10%
B
72
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 16.7%
- 5yr EPS CAGR -0.6%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
95
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.14x
Balance Sheet
Weight: 30%
B
75
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 14.7%
- Interest Coverage (EBIT/Int) 2.12x
Stability
Weight: 10%
C+
61
- EPS Volatility (σ/μ) 0.21
- Piotroski F-Score 6
- Negative-Revenue Years (5) 3/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 2 new buys; 1 added; 1 full exit.
- Holders
- 3 +1
- Avg Δ position
- +591.2%
- New buys
- 2
- Full exits
- 1