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CVBF vs FRME

CVBF
CVB Financial Corp.
BULLISH
Price
$19.89
Market Cap
$2.7B
Sector
Financial Services
AI Confidence
70%
FRME
First Merchants Corporation
NEUTRAL
Price
$41.47
Market Cap
$2.63B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CVBF
13.09
FRME
10.53
Forward P/E
CVBF
10.48
FRME
9.14
P/B Ratio
CVBF
1.17
FRME
0.97
P/S Ratio
CVBF
5.2
FRME
4.1
EV/EBITDA
CVBF
--
FRME
--

Profitability

Gross Margin
CVBF
0.0%
FRME
0.0%
Operating Margin
CVBF
56.32%
FRME
42.7%
Profit Margin
CVBF
40.33%
FRME
35.22%
ROE
CVBF
9.34%
FRME
9.47%
ROA
CVBF
1.36%
FRME
1.21%

Growth

Revenue Growth
CVBF
7.5%
FRME
-4.6%
Earnings Growth
CVBF
10.8%
FRME
-10.9%

Financial Health

Debt/Equity
CVBF
--
FRME
--
Current Ratio
CVBF
--
FRME
--
Quick Ratio
CVBF
--
FRME
--

Dividends

Dividend Yield
CVBF
4.02%
FRME
3.53%
Payout Ratio
CVBF
52.63%
FRME
36.86%

AI Verdict

CVBF BULLISH

CVBF shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics.

Strengths
Attractive valuation with P/E of 13.1
Strong profitability (40.3% margin)
Risks
Limited historical data available for full assessment
FRME NEUTRAL

FRME presents as a classic value play with a stable Piotroski F-Score of 4/9, trading at a discount to its Graham Number ($61.18) and slightly below book value (P/B 0.97). While the company maintains a strong track record of earnings beats and a sustainable dividend, it is currently hampered by negative year-over-year revenue (-4.60%) and earnings growth (-10.90%). The valuation attractiveness is offset by bearish insider sentiment and a very weak technical trend, suggesting a period of stagnation or a potential value trap if growth does not pivot.

Strengths
Trading below book value (P/B 0.97)
Low P/E ratio (10.53) relative to sector averages
Strong historical earnings track record with consistent beats
Risks
Negative YoY revenue and earnings growth
Bearish insider activity with multiple sales and zero buys
Very weak technical trend (10/100)

Compare Another Pair

CVBF vs FRME: Head-to-Head Comparison

This page compares CVB Financial Corp. (CVBF) and First Merchants Corporation (FRME) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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