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CVBF vs NVG

CVBF
CVB Financial Corp.
BULLISH
Price
$20.29
Market Cap
$2.76B
Sector
Financial Services
AI Confidence
85%
NVG
Nuveen AMT-Free Municipal Credit Income Fund
BEARISH
Price
$12.63
Market Cap
$2.7B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CVBF
13.35
NVG
46.78
Forward P/E
CVBF
10.69
NVG
--
P/B Ratio
CVBF
1.2
NVG
0.98
P/S Ratio
CVBF
5.31
NVG
11.99
EV/EBITDA
CVBF
--
NVG
--

Profitability

Gross Margin
CVBF
0.0%
NVG
100.0%
Operating Margin
CVBF
56.32%
NVG
81.61%
Profit Margin
CVBF
40.33%
NVG
25.35%
ROE
CVBF
9.34%
NVG
2.01%
ROA
CVBF
1.36%
NVG
2.37%

Growth

Revenue Growth
CVBF
7.5%
NVG
-2.0%
Earnings Growth
CVBF
10.8%
NVG
10.2%

Financial Health

Debt/Equity
CVBF
--
NVG
0.7
Current Ratio
CVBF
--
NVG
0.04
Quick Ratio
CVBF
--
NVG
0.04

Dividends

Dividend Yield
CVBF
3.85%
NVG
7.51%
Payout Ratio
CVBF
52.63%
NVG
351.11%

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
NVG BEARISH

NVG exhibits a stable Piotroski F-Score of 6/9, but this is overshadowed by severe valuation discrepancies and unsustainable payout metrics. The current price of $12.63 trades at a significant premium to both the Graham Number ($8.87) and the Intrinsic Value ($6.02). Most critically, a payout ratio of 351.11% indicates that dividends are not being covered by earnings, suggesting a reliance on return of capital or leverage. Combined with a 0/100 technical trend and negative revenue growth, the fund appears overvalued and fundamentally fragile.

Strengths
Stable Piotroski F-Score (6/9)
Price-to-Book ratio of 0.98 indicates trading near net asset value
Positive year-over-year earnings growth of 10.20%
Risks
Unsustainable payout ratio of 351.11% indicating dividend instability
Significant overvaluation relative to Graham Number and Intrinsic Value
Negative revenue growth (-2.00% YoY)

Compare Another Pair

CVBF vs NVG: Head-to-Head Comparison

This page compares CVB Financial Corp. (CVBF) and Nuveen AMT-Free Municipal Credit Income Fund (NVG) 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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