CVB Financial Corporation (CVBF) vs International Bancshares Corporation (IBOC)

CVB Financial Corporation and International Bancshares Corporation are both Banks Regional companies. CVB Financial Corporation and International Bancshares Corporation are of similar size ($4.3B and $4.0B). International Bancshares Corporation trades at the lower P/E: 10.1× against 15.2×. CVB Financial Corporation grew revenue faster over the last twelve months: 22.6% against 2.21%. International Bancshares Corporation has the higher net margin (39.1% vs 29.4%) and the higher return on invested capital (12.2% vs 6.63%). Both pay a dividend; CVB Financial Corporation yields more (3.49% vs 2.15%). Across the 19 metrics below, International Bancshares Corporation leads on 12 and CVB Financial Corporation on 7.

Valuation

Metric CVBF IBOC Banks Regional median
P/E 15.19 10.09 12.02
P/S 5.10 3.95 2.36
P/B 1.28 1.27 1.23
Price to free cash flow 7.01 9.12 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.58% 9.91% 8.21%
Free cash flow yield 14.26% 10.96% 9.23%

Profitability

Metric CVBF IBOC Banks Regional median
Gross margin 81.46% 81.15% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 29.41% 39.12% 18.82%
Free cash flow margin 0.00% 43.26% 17.97%
Return on equity 8.55% 12.97% 10.28%
Return on assets 1.28% 2.48% 1.13%
Return on invested capital 6.63% 12.18% 8.45%

Growth

Metric CVBF IBOC Banks Regional median
Revenue growth (TTM) 22.56% 2.21% 6.37%
EPS growth (last fiscal year) 5.56% 0.76% 18.85%
Revenue growth, 5-year CAGR 6.19% 12.83% 12.65%
Net income growth, 5-year CAGR 3.32% 19.77% 9.81%

Health

Metric CVBF IBOC Banks Regional median
Debt to equity 0.17 0.04 0.17
Current ratio 0.75 0.00 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CVBF IBOC Banks Regional median
Dividend yield 3.49% 2.15% 2.49%
Payout ratio 0.53 0.22 0.29

Size

Metric CVBF IBOC Banks Regional median
Market cap 4.01b 4.25b 934.85m

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