CVB Financial Corporation (CVBF) vs Texas Capital Bancshares, Inc. (TCBI)

CVB Financial Corporation and Texas Capital Bancshares, Inc. are both Banks Regional companies. CVB Financial Corporation and Texas Capital Bancshares, Inc. are of similar size ($4.1B and $3.9B). Texas Capital Bancshares, Inc. trades at the lower P/E: 12.3× against 15.5×. Texas Capital Bancshares, Inc. grew revenue faster over the last twelve months: 13.5% against 8.42%. CVB Financial Corporation has the higher net margin (28.8% vs 17.1%) and the lower return on invested capital (7.62% vs 66.5%). Across the 19 metrics below, Texas Capital Bancshares, Inc. leads on 12 and CVB Financial Corporation on 7.

Valuation

Metric CVBF TCBI Banks Regional median
P/E 15.54 12.32 12.15
P/S 5.28 2.05 2.37
P/B 1.19 1.25 1.21
Price to free cash flow 6.57 7.11 10.80
EV/EBITDA n/m n/m —
EV/Sales 4.49 0.48 2.27
Earnings yield 6.44% 8.12% 8.11%
Free cash flow yield 15.21% 14.07% 8.98%

Profitability

Metric CVBF TCBI Banks Regional median
Gross margin 80.52% 65.16% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 28.84% 17.05% 18.66%
Free cash flow margin 80.31% 23.16% 21.18%
Return on equity 7.60% 10.59% 10.64%
Return on assets 1.12% 1.05% 1.13%
Return on invested capital 7.62% 66.51% 8.33%

Growth

Metric CVBF TCBI Banks Regional median
Revenue growth (TTM) 8.42% 13.49% 6.61%
EPS growth (last fiscal year) 5.56% 430.47% —
Revenue growth, 5-year CAGR 6.19% 9.98% 12.30%
Net income growth, 5-year CAGR 3.32% 40.81% 9.71%

Health

Metric CVBF TCBI Banks Regional median
Debt to equity 0.17 0.14 0.22
Current ratio 0.77 1.00 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CVBF TCBI Banks Regional median
Dividend yield 4.76% — 3.75%
Payout ratio 0.46 0.00 0.27

Size

Metric CVBF TCBI Banks Regional median
Market cap 3.92b 4.11b 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack