Contrasting of CVB Financial Corp. (CVBF) and Sierra Bancorp (NASDAQ:BSRR)

This is therefore a comparing of the risk, institutional ownership, analyst recommendations, profitability, dividends, earnings and valuation in CVB Financial Corp. (NASDAQ:CVBF) and Sierra Bancorp (NASDAQ:BSRR). The two are both Regional – Pacific Banks companies that compete with one another.

Valuation and Earnings

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
CVB Financial Corp. 391.03M 7.80 151.57M 1.19 19.16
Sierra Bancorp 109.61M 3.51 29.68M 1.92 14.12

Table 1 highlights CVB Financial Corp. and Sierra Bancorp’s top-line revenue, earnings per share (EPS) and valuation. Sierra Bancorp appears to has lower revenue, but higher earnings than CVB Financial Corp. Currently more expensive of the two stocks is the business with a higher price-to-earnings ratio. CVB Financial Corp. is presently more expensive than Sierra Bancorp, because it’s trading at a higher price-to-earnings ratio.

Profitability

Table 2 provides the net margins, return on equity and return on assets of the two firms.

Net Margins Return on Equity Return on Assets
CVB Financial Corp. 38.76% 9.3% 1.3%
Sierra Bancorp 27.08% 9.5% 1%

Risk and Volatility

CVB Financial Corp. has a 1.15 beta, while its volatility is 15.00%, thus making it more volatile than Standard & Poor’s 500. Sierra Bancorp has a 0.86 beta and it is 14.00% less volatile than Standard & Poor’s 500.

Dividends

CVB Financial Corp. pays out its dividends annually at $0.56 per share and 2.62% dividend yield. On the other side Sierra Bancorp pays an annual dividend of $0.64 per share. It’s dividend yield is 2.6%.

Analyst Recommendations

In next table is shown CVB Financial Corp. and Sierra Bancorp’s ratings and recommendations.

Sell Ratings Hold Ratings Buy Ratings Rating Score
CVB Financial Corp. 0 0 1 3.00
Sierra Bancorp 0 0 0 0.00

The upside potential is 14.78% for CVB Financial Corp. with average target price of $25.

Institutional & Insider Ownership

Institutional investors owned 66.1% of CVB Financial Corp. shares and 54.2% of Sierra Bancorp shares. CVB Financial Corp.’s share owned by insiders are 0.4%. Insiders Competitively, owned 7.3% of Sierra Bancorp shares.

Performance

In this table we provide the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
CVB Financial Corp. -0.7% 3.61% -1.69% -5.22% -1.9% 12.21%
Sierra Bancorp -0.55% 2.07% -4.1% -7.93% 3.15% 12.98%

For the past year CVB Financial Corp. has weaker performance than Sierra Bancorp

Summary

On 10 of the 15 factors CVB Financial Corp. beats Sierra Bancorp.

CVB Financial Corp. operates as a bank holding company for Citizens Business Bank that provides various banking and trust services for businesses, professionals, and individuals. It operates in two segments, Business Financial and Commercial Banking Centers, and Dairy & Livestock and Agribusiness. The company offers various deposit products, including checking, savings, money market, and time certificates of deposit for business and personal accounts, as well as serves as a federal tax depository for business customers. It also provides various lending products, such as commercial products comprising lines of credit and other working capital financing, accounts receivable lending, and letters of credit; loans for agribusiness; lease financing 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, the company offers a range of specialized services, such as cash management systems for monitoring cash flow, a credit card program for merchants, courier pick-up and delivery, payroll services, remote deposit capture, electronic funds transfers by way of domestic and international wires and automated clearinghouse, and on-line account access. Further, it provides various investment products; and financial services and trust services comprising fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. As of December 31, 2016, it operated 42 business financial centers and 8 commercial banking centers located in the Inland Empire, Los Angeles County, Orange County, San Diego County, Ventura County, Santa Barbara County, and the Central Valley areas of California, as well as 3 trust offices located in Ontario, Newport Beach, and Pasadena. CVB Financial Corp. was founded in 1974 and is headquartered in Ontario, California.