SVB Financial Group (SIVB) and CVB Financial Corp. (NASDAQ:CVBF) Comparison side by side

We will be comparing the differences between SVB Financial Group (NASDAQ:SIVB) and CVB Financial Corp. (NASDAQ:CVBF) as far as analyst recommendations, institutional ownership, profitability, risk, dividends, earnings and valuation are concerned. The two businesses are rivals in the Regional – Pacific Banks industry.

Valuation & Earnings

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
SVB Financial Group 231 3.44 N/A 19.92 11.65
CVB Financial Corp. 21 6.22 N/A 1.25 17.66

Table 1 shows gross revenue, earnings per share (EPS) and valuation of the two companies. CVB Financial Corp. has lower revenue and earnings than SVB Financial Group. The company that is presently more affordable of the two stocks is the one that has a lower price-to-earnings ratio. SVB Financial Group’s presently lower price-to-earnings ratio makes it the more affordable of the two businesses.

Profitability

Table 2 shows us the return on equity, return on assets and net margins of both businesses.

Net Margins Return on Equity Return on Assets
SVB Financial Group 0.00% 19.4% 1.7%
CVB Financial Corp. 0.00% 9.1% 1.4%

Risk and Volatility

SVB Financial Group is 106.00% more volatile than Standard and Poor’s 500 because the stock has a beta of 2.06. CVB Financial Corp. has a 1.04 beta and it is 4.00% more volatile than Standard and Poor’s 500.

Analyst Ratings

The table given features the ratings and recommendations for SVB Financial Group and CVB Financial Corp.

Sell Ratings Hold Ratings Buy Ratings Rating Score
SVB Financial Group 0 2 3 2.60
CVB Financial Corp. 0 0 0 0.00

The average price target of SVB Financial Group is $264.17, with potential upside of 33.05%.

Institutional & Insider Ownership

The shares of both SVB Financial Group and CVB Financial Corp. are owned by institutional investors at 95.1% and 66.6% respectively. SVB Financial Group’s share owned by insiders are 0.3%. Competitively, CVB Financial Corp. has 0.4% of it’s share owned by insiders.

Performance

Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
SVB Financial Group 2.61% 3.85% -7.37% -3.35% -23.09% 22.14%
CVB Financial Corp. 5.11% 4.21% 2.61% 0.27% -6.93% 8.8%

For the past year SVB Financial Group’s stock price has bigger growth than CVB Financial Corp.

Summary

On 8 of the 10 factors SVB Financial Group beats CVB Financial Corp.

SVB Financial Group, a diversified financial services company, provides various banking and financial products and services. Its Global Commercial Bank segment offers deposit products, such as business and analysis checking, money market, multi-currency, in-country bank, and sweep accounts, as well as merchant, remote capture, lockbox, electronic deposit capture, and fraud control services; credit products and services comprising term loans, equipment loans, asset-based loans, revolving lines of credit, accounts-receivable-based lines of credit, capital call lines of credit, and credit cards; and payment and cash management products and services, including wire transfer and automated clearing house payment, bill pay, debit cards account analysis, and disbursement, as well as online and mobile banking services. This segment also provides various loan and credit facilities; foreign exchange services; export, import, and standby letters of credit; investment services and solutions; investment advisory services; third party money market mutual funds and fixed-income securities; vineyard development loans and community development loans to clients in the wine industry; and equity valuation services to companies and venture capital/private equity firms, as well as invests in debt funds. The companyÂ’s SVB Private Bank segment offers private banking services, such as mortgages, home equity and capital call lines of credit, restricted stock purchase loans, and other secured and unsecured lending services. Its SVB Capital segment provides venture capital investment services that manage funds on behalf of third party limited partners. The company also offers asset and private wealth management, brokerage, private equity investment, and business valuation services. It operates through 29 offices in the United States; and offices in the United Kingdom, Hong Kong, China, Israel and India. SVB Financial Group was founded in 1982 and is headquartered in Santa Clara, California.

CVB Financial Corp. operates as a bank holding company for Citizens Business Bank that provides various banking and trust services for businesses, professionals, and individuals. It operates in two segments, Business Financial and Commercial Banking Centers, and Dairy & Livestock and Agribusiness. The company offers various deposit products, including checking, savings, money market, and time certificates of deposit for business and personal accounts, as well as serves as a federal tax depository for business customers. It also provides various lending products, such as commercial products comprising lines of credit and other working capital financing, accounts receivable lending, and letters of credit; loans for agribusiness; lease financing for municipal governments; commercial real estate and construction loans; and consumer financing products, including automobile leasing and financing, lines of credit, credit cards, home mortgages, and home equity loans and lines of credit. In addition, the company offers a range of specialized services, such as cash management systems for monitoring cash flow, a credit card program for merchants, courier pick-up and delivery, payroll services, remote deposit capture, electronic funds transfers by way of domestic and international wires and automated clearinghouse, and on-line account access. Further, it provides various investment products; and financial services and trust services comprising fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. As of December 31, 2016, it operated 42 business financial centers and 8 commercial banking centers located in the Inland Empire, Los Angeles County, Orange County, San Diego County, Ventura County, Santa Barbara County, and the Central Valley areas of California, as well as 3 trust offices located in Ontario, Newport Beach, and Pasadena. CVB Financial Corp. was founded in 1974 and is headquartered in Ontario, California.

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