CVBF
CVB Financial Corp.
CVBF has a slight edge over JPM overall, supported by stronger valuation and stronger modeled upside.
JPM
JPMorgan Chase & Co.
JPM has slightly lower modeled downside risk, despite its lower overall score.
CVBF Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
CVBF's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CVBF.
JPM Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
JPM's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like JPM.
CVBF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $17.13 | -24% |
| Forward | 12x | $22.48 | — |
| Fair | 14x | $20.54 | -8.6% |
| Expensive | 15x | $23.56 | +4.8% |
| Current | 15x | $22.48 | — |
Historical ranges are pointers, not guarantees.
CVBF's PE is in its expensive range at 15x. If earnings grow as analysts expect, today's price would be 12x next year's earnings, in its cheap range.
JPM PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.7x | $231 | -33% |
| Fair | 12x | $287 | -16% |
| Current | 14x | $343 | — |
| Forward | 14x | $343 | — |
| Expensive | 15x | $361 | +5.2% |
Historical ranges are pointers, not guarantees.
JPM has the edge over CVBF in the historical PE scenario, which offers more potential upside but is not a forecast.
CVBF Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
CVBF has the edge over JPM on the outlook, with more favorable valuation expectations.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
CVBF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.92 | +26% |
| Q3 2026 | $1.52 | +3.4% |
| Q2 2026 | $1.46 | 0% |
| Q1 2026 | $1.54 | +6.2% |
| Q4 2025 | $1.52 | +5.6% |
| Q3 2025 | $1.47 | +2.8% |
| Q2 2025 | $1.46 | -1.4% |
| Q1 2025 | $1.45 | -4.6% |
| Q4 2024 | $1.44 | -9.4% |
CVBF earned $1.52 per share over the past year, up 3.4% from the year before.
JPM Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $24.99 | +4.8% |
| Q3 2026 | $23.85 | +18% |
| Q2 2026 | $23.35 | +20% |
| Q1 2026 | $20.89 | +2.5% |
| Q4 2025 | $20.02 | +1.4% |
| Q3 2025 | $20.20 | +12% |
| Q2 2025 | $19.50 | +8.7% |
| Q1 2025 | $20.38 | +23% |
| Q4 2024 | $19.75 | +22% |
JPM has the edge over CVBF on earnings, with more consistent year-over-year improvement.
CVBF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $195.6M | +52% |
| Q2 2026 | $179.4M | +42% |
| Q1 2026 | $132.1M | +4.3% |
| Q4 2025 | $133.9M | +8.4% |
| Q3 2025 | $128.6M | +1.7% |
| Q2 2025 | $126.4M | +0.9% |
| Q1 2025 | $126.7M | +0.1% |
| Q4 2024 | $123.5M | -11% |
CVBF's revenue has grown year over year for seven quarters in a row: $196M last quarter, up 52% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 54% | +0.6 points |
| Q2 2026 | 36% | -18 points |
| Q1 2026 | 52% | -3 points |
| Q4 2025 | 56% | +0.5 points |
| Q3 2025 | 54% | +0.2 points |
| Q2 2025 | 54% | -0.4 points |
| Q1 2025 | 55% | +2.1 points |
| Q4 2024 | 55% | +1.2 points |
CVBF has the edge over JPM on profitability, with a higher operating margin.
JPM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $50.2B | +8.1% |
| Q2 2026 | $57.3B | +28% |
| Q1 2026 | $49.8B | +10% |
| Q4 2025 | $45.8B | +7.1% |
| Q3 2025 | $46.4B | +8.8% |
| Q2 2025 | $44.9B | -11% |
| Q1 2025 | $45.3B | +8.1% |
| Q4 2024 | $42.8B | +11% |
JPM has the edge over CVBF on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | -0.2 points |
| Q2 2026 | 48% | +7.3 points |
| Q1 2026 | 41% | +0.5 points |
| Q4 2025 | 37% | -3.2 points |
| Q3 2025 | 40% | +0.6 points |
| Q2 2025 | 41% | -6 points |
| Q1 2025 | 41% | -0.6 points |
| Q4 2024 | 41% | +11 points |
JPM's operating margin was 40% last quarter, about level with the same quarter a year ago.
CVBF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $137.8M | +71% |
| Q2 2026 | $387.4M | +641% |
| Q1 2026 | $61.2M | +49% |
| Q4 2025 | $43.2M | -41% |
| Q3 2025 | $80.7M | +15% |
| Q2 2025 | $52.3M | +114% |
| Q1 2025 | $41.2M | -47% |
| Q4 2024 | $72.8M | +55% |
CVBF has the edge over JPM on cash generation, producing positive trailing cash flow while its opponent burns cash.
JPM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $33.2B | +$78.4B |
| Q2 2026 | -$25.3B | -186% |
| Q1 2026 | -$211.8B | +$40.1B |
| Q4 2025 | $119.7B | -19% |
| Q3 2025 | -$45.2B | +$28.9B |
| Q2 2025 | $29.5B | -23% |
| Q1 2025 | -$251.8B | -$97.7B |
| Q4 2024 | $147.8B | +145% |
JPM's free cash flow was −$84.2B over the past year, against −$120B the year before. Free cash flow isn't a meaningful measure for financial services companies like JPM.
CVBF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +4.8% | +8M shares |
| 1 year | +28% | +38M shares |
| 3 years | +26% | +36.7M shares |
| 5 years | +29% | +39.8M shares |
| Available history | +25% | +35.2M shares |
CVBF has 175M diluted shares, up 28% from a year ago, despite $56M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $17.6M |
| Q2 2026 | $2.1M |
| Q1 2026 | $3.1M |
| Q4 2025 | $33.8M |
| Q3 2025 | $6.1M |
| Q2 2025 | $22.5M |
| Q1 2025 | $18.7M |
| Q4 2024 | $193,000 |
CVBF spent $56M buying back its own shares over the past year, up 19% from the year before.
JPM Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -11.2M shares |
| 1 year | -3.1% | -84.6M shares |
| 3 years | -8.5% | -249M shares |
| 5 years | -11% | -322M shares |
| Available history | -17% | -547M shares |
JPM has the edge over CVBF on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.1B |
| Q2 2026 | $6.8B |
| Q1 2026 | $8.3B |
| Q4 2025 | $8.3B |
| Q3 2025 | $8.3B |
| Q2 2025 | $7.5B |
| Q1 2025 | $7.5B |
| Q4 2024 | $4.3B |
JPM spent $24.5B buying back its own shares over the past year, down 11% from the year before.
CVBF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.0x | Very low |
| Q2 2026 | -1.9x | Net Cash |
| Q1 2026 | 0.2x | Very low |
| Q4 2025 | 0.4x | Very low |
| Q3 2025 | 21.0x | High |
| Q2 2025 | 20.7x | High |
| Q1 2025 | -0.1x | Net Cash |
| Q4 2024 | 2.8x | Moderate |
CVBF's net debt is about a year of its operating earnings (EBITDA), down from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like CVBF.
JPM Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.5x | Very low |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.6x | Very low |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | 0.6x | Very low |
| Q2 2025 | 0.5x | Very low |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | 0.4x | Very low |
JPM has the edge over CVBF on leverage, with a lower net debt burden relative to earnings.
CVBF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.6 | Neutral |
| Stochastic | 56.7 | Neutral |
CVBF's weekly RSI is 55 (neutral) and its Stochastic is 57 (neutral).
JPM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.8 | Neutral |
| Stochastic | 31.5 | Neutral |
JPM's weekly RSI is 55 (neutral) and its Stochastic is 31 (neutral).
CVBF PE vs Financial Services Sector
| Metric | CVBF | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 14% above |
| PE % | 70 | 63 | 7 pts above |
CVBF is trading at 15x earnings, a 14% premium to the Financial Services sector's median of 13x.
JPM PE vs Financial Services Sector
| Metric | JPM | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 10% above |
| PE % | 76 | 63 | 13 pts above |
JPM has the edge over CVBF on valuation relative to its sector.
CVBF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $22.4 | 0.5% above |
| 20 week MA | $22.5 | 0.2% below |
| 50 week MA | $21.0 | 7% above |
| 100 week MA | $20.2 | 11% above |
| 200 week MA | $19.1 | 18% above |
CVBF's trend is mixed: it's above four of its five weekly moving averages, and 18% above its 200-week average.
JPM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $336.8 | 1.8% above |
| 20 week MA | $345.3 | 0.7% below |
| 50 week MA | $323.2 | 6.1% above |
| 100 week MA | $298.9 | 15% above |
| 200 week MA | $236.6 | 45% above |
JPM's trend is mixed: it's above four of its five weekly moving averages, and 45% above its 200-week average.
CVBF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $21.5 | $19.6 | -8.8% |
| 2021 | $19.6 | $21.5 | +9.6% |
| 2022 | $21.5 | $26.2 | +22% |
| 2023 | $26.2 | $20.2 | -23% |
| 2024 | $20.2 | $22.0 | +8.7% |
| 2025 | $22.0 | $19.6 | -11% |
| 2026 YTD | $19.6 | $22.5 | +15% |
CVBF has the edge over JPM on returns for 2026, with the stronger performance.
JPM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $139.1 | $124.5 | -11% |
| 2021 | $124.5 | $157.3 | +26% |
| 2022 | $157.3 | $131.3 | -17% |
| 2023 | $131.3 | $170.1 | +30% |
| 2024 | $170.1 | $241.2 | +42% |
| 2025 | $241.2 | $327.9 | +36% |
| 2026 YTD | $327.9 | $342.8 | +4.5% |
JPM has finished higher in four of the last six years. It's up 4.5% so far in 2026.