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CVB Financial Corporation (CVBF) — RQD Stock Rating Cockpit

$22.75 +1.02% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $22.85

CVB Financial Corporation (CVBF) earns a Roarable Rating of B- (Buy) with 71/100 RQD Confidence. High-quality cash engine (steady margins, 13% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate) →

ROARABLE B- • BUY Cap $4.00B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $22.85 (+0.42%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 5.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B- · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+5.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CVBF)Realized 20D OHLCV Swing Band: ±4%

Deterministic 5-Pillar Attribution (71/100 Composite)

🔍 WHY CVBF SCORES 71/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (23% of score)

FRED Regime × Technicals: 88% of 52W Range • RSI-14 at 54.6 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk13/20 pts (-7 pt drag)

Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$21.49+1.8% Next Q

Q2 (-2Q)

Grade B-$21.87+4.8% Next Q

Q3 (-1Q)

Grade B-$22.92-0.7% Next Q

Current

Grade B-$22.75+6.8% Hist 90D α

Trajectory: C+ (63) → B- (71)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CVBF Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 71/100 (B-) score, CVBF faces multiple-compression risk if 19.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($22.26) or 200D SMA ($21.16) invalidates the momentum regime and cuts Target Base ($24.08) toward Bear Floor ($18.65).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CVBF• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CVBF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 71%NO 29%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

54.630 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE88% OF RANGE

L: $18$22.75H: $23

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: CRQD 13 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 29 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on CVBF

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (65)

12.9% ROIC with 42.0% gross margin and 5.43% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (75)

29/40 institutional & smart-money positioning score with 16/20 macro alignment.

Bull Case: Why Buyers Like CVBF

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (CVBF Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

CVBF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +11.68%📐 HORIZONTAL RANGE

2026-10-30O $22.84H $22.84L $22.49C $22.75VOL 975.4K

RES: $23.15SUP: $20.83SMA50: $22.26SMA200: $21.16

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CVBF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CVBF Butterfly Map → + Track CVBF →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

12.5%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CVBF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CVBF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CVBF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CVBF)

Financials Rank #115 of 1096 ⚔️ WSFS vs CVBF Full Matrix →

1. Head-to-Head Financials Peer Comparison (CVBF vs. WSFS, FBP, INDB, BANF)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, CVB Financial Corporation (CVBF) ranks #115 by composite RQD confidence (71/100, grade B-) and #312 by equity capitalization ($4.00B). Within this direct 5-issuer industry benchmark cohort, FBP leads on earnings valuation at 11.8x trailing P/E, while FBP leads on capital efficiency and profitability with 17.5% ROIC and — gross margin. FBP currently holds the highest overall quantitative score in the immediate peer group at 74/100 (B) compared with CVBF at 71/100 (B-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CVBF ACTIVE CVB Financial Corporation	B-	71/100	19.1x	—	12.9%	+1.02%	$4.00B	Benchmark Subject
WSFS WSFS Financial Corporation	C	63/100	14.1x	—	10.5%	+1.12%	$4.05B	/wsfs-vs-cvbf →
FBP First BanCorp.	B	74/100	11.8x	—	17.5%	+0.08%	$4.08B	/fbp-vs-cvbf →
INDB Independent Bank Corp.	C+	69/100	19.0x	—	5.8%	+1.20%	$3.90B	/indb-vs-cvbf →
BANF BancFirst Corporation	B-	71/100	15.6x	—	13.0%	+0.68%	$3.74B	/banf-vs-cvbf →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000354647

In its most recent audited fiscal period (FY2025, filed 2025-12-31), CVB Financial Corporation (CVBF) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $209.3M, operating cash flow of $221.4M, and free cash flow of $217.3M (-11.2% YoY). On the balance sheet, CVBF closed FY2025 with $15.63B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$209.3M	$221.4M	$217.3M	$15.63B	—
FY2024 (FY)	2024-12-31	$0	$200.7M	$249.8M	$244.6M	$15.15B	—
FY2023 (FY)	2023-12-31	$0	$221.4M	$295.6M	$295.6M	—	—

3. CVBF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CVBF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, CVB Financial Corporation (NASDAQ: CVBF) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $22.75 (+1.02% 1D, market cap $4.00B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, CVBF ranks #115 in composite RQD confidence.

How does CVBF compare to WSFS and FBP in the Financials sector?

Within the Financials sector (Major Banks), CVBF carries a Roarable B- (71/100 RQD), trailing P/E of 19.1x, gross margin of —, and ROIC of 12.9%. By comparison, WSFS (WSFS Financial Corporation) holds a C grade (63/100 RQD, P/E 14.1x, ROIC 10.5%, cap $4.05B) and FBP (First BanCorp.) posts a B grade (74/100 RQD, P/E 11.8x, ROIC 17.5%, cap $4.08B). Among the 5-stock peer group, FBP leads on earnings multiple (11.8x) while FBP leads on capital efficiency (17.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CVBF?

Per CVBF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000354647), CVB Financial Corporation generated $0 in revenue, $209.3M in net income, and $217.3M in free cash flow against $15.63B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CVBF trading relative to its 50-day, 200-day, and 52-week technical levels?

CVBF last traded at $22.75 (+1.02% on volume of 1,074,488 shares), positioning the stock +2.20% above its 50-day simple moving average ($22.26) and +7.51% above its 200-day simple moving average ($21.16). Across its 52-week range of $18.01 to $23.41, CVBF sits at the 87.8% percentile with a 14-day RSI of 54.6 (NEUTRAL RANGE) and an implied next-earnings move of ±4.0% ($21.84 to $23.66).

CVBF Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell CVBF stock right now?

CVB Financial Corporation (CVBF) currently earns a Roarable Rating of B- (Buy — BUY) with 71/100 RQD Confidence. High-quality cash engine (steady margins, 13% return on capital) with steady institutional support.

What is CVBF's 12-month price target and RQD AI Jury consensus?

CVBF's 12-month base price target is $24.08 (range $18.65 to $28.41), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: CVBF RQD Cockpit CVBF 12M Forecast CVBF Earnings & Move CVBF Dividends & DRIP CVBF Insiders & 13F CVBF Whale Options CVBF Profit Sankey CVBF News & Why