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CVBF vs NAD

CVBF
CVB Financial Corp.
BULLISH
Price
$20.29
Market Cap
$2.76B
Sector
Financial Services
AI Confidence
85%
NAD
Nuveen Quality Municipal Income Fund
NEUTRAL
Price
$11.61
Market Cap
$2.71B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CVBF
13.35
NAD
41.46
Forward P/E
CVBF
10.69
NAD
--
P/B Ratio
CVBF
1.2
NAD
0.95
P/S Ratio
CVBF
5.31
NAD
11.82
EV/EBITDA
CVBF
--
NAD
--

Profitability

Gross Margin
CVBF
0.0%
NAD
100.0%
Operating Margin
CVBF
56.32%
NAD
85.89%
Profit Margin
CVBF
40.33%
NAD
28.49%
ROE
CVBF
9.34%
NAD
2.23%
ROA
CVBF
1.36%
NAD
2.45%

Growth

Revenue Growth
CVBF
7.5%
NAD
-1.6%
Earnings Growth
CVBF
10.8%
NAD
50.8%

Financial Health

Debt/Equity
CVBF
--
NAD
0.71
Current Ratio
CVBF
--
NAD
4.35
Quick Ratio
CVBF
--
NAD
4.35

Dividends

Dividend Yield
CVBF
3.85%
NAD
7.29%
Payout Ratio
CVBF
52.63%
NAD
318.21%

AI Verdict

CVBF BULLISH

CVBF presents a strong value opportunity, trading significantly below both its Graham Number ($24.06) and Intrinsic Value ($35.26). While the Piotroski F-Score of 4/9 indicates stable but not exceptional financial health, the company demonstrates exceptional operational consistency with a long history of earnings beats. The combination of a low forward P/E (10.69), a sustainable dividend yield of 3.85%, and positive earnings growth suggests a high margin of safety despite current bearish technical trends.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Exceptional earnings track record with consistent beats over 25 quarters
Strong profitability with a profit margin of 40.33% and operating margin of 56.32%
Risks
Bearish technical trend (0/100) indicating lack of immediate price momentum
Average Piotroski F-Score (4/9) suggests room for improvement in financial health metrics
Regional bank sector exposure to interest rate volatility and credit risk
NAD NEUTRAL

NAD demonstrates strong operational health with a Piotroski F-Score of 7/9, yet it trades at a significant premium to its Graham Number ($8.78) and Intrinsic Value ($8.26). While the Price-to-Book ratio of 0.95 suggests the fund is priced reasonably relative to its net asset value, the payout ratio of 318.21% is a critical red flag indicating that dividends are not supported by current earnings. Technical trends are currently bearish (0/100), which offsets the positive 1-year price performance. The fund remains a viable income vehicle but lacks the valuation support for a bullish growth rating.

Strengths
Strong Piotroski F-Score of 7/9 indicating high financial health
Attractive dividend yield of 7.29%
Trading slightly below book value (P/B 0.95)
Risks
Unsustainable payout ratio of 318.21%
Current price ($11.61) is significantly higher than Graham/Intrinsic values
Negative revenue growth (-1.60% YoY)

Compare Another Pair

CVBF vs NAD: Head-to-Head Comparison

This page compares CVB Financial Corp. (CVBF) and Nuveen Quality Municipal Income Fund (NAD) 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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