CVB Financial Corp. (CVBF) vs Mechanics Bank (MCHB)
A side-by-side comparison of CVB Financial Corp. and Mechanics Bank across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — CVBF vs MCHB
growth of $100 · dividends reinvested · last 10yCVBF vs MCHB: by the numbers
- •MCHB is the larger company ($3.29B vs $3.15B market cap).
- •MCHB trades at the lower trailing earnings multiple (11.94 vs 14.46 P/E), one valuation lens rather than an overall verdict.
- •CVBF converts more revenue to profit (29.31% vs 26.53% net margin).
- •MCHB grew revenue faster over the past five years (21.79% vs 8.20% CAGR).
- •MCHB pays the higher dividend yield (10.43% vs 3.62%).
Metrics side by side
Valuation
| Metric | CVBF | MCHB |
|---|---|---|
| P/E ratio | 14.46 | 11.94 |
| Forward P/E | 14.60 | 14.36 |
| PEG ratio | 4.55 | 0.42 |
| P/S ratio | 4.47 | 3.10 |
| P/B ratio | 0.99 | 1.22 |
Profitability
| Metric | CVBF | MCHB |
|---|---|---|
| Operating margin | 39.23% | 31.51% |
| Net margin | 29.31% | 26.53% |
| ROE | 6.53% | 10.46% |
CVB Financial Corp.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Mechanics Bank: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | CVBF | MCHB |
|---|---|---|
| Dividend yield | 3.62% | 10.43% |
| Payout ratio | 52.63% | 124.80% |
Growth (annualized)
| Metric | CVBF | MCHB |
|---|---|---|
| Revenue CAGR (5Y) | 8.20% | 21.79% |
| EPS CAGR (5Y) | 3.18% | 28.37% |
| Total return CAGR (5Y) | 5.92% | -15.32% |
Frequently asked
- Which has the lower trailing P/E, CVBF or MCHB?
- MCHB has the lower trailing P/E: CVBF trades at 14.46 and MCHB at 11.94. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CVBF or MCHB?
- Over the past five years, MCHB grew revenue faster — CVBF at a 8.20% CAGR versus MCHB at 21.79%.
- Does CVBF or MCHB pay a bigger dividend?
- CVBF yields 3.62% and MCHB yields 10.43% based on trailing dividends and the latest price.
- Is CVBF or MCHB more profitable?
- CVBF runs the higher net margin — CVBF at 29.31% versus MCHB at 26.53%.
- How have CVBF and MCHB total returns compared?
- Over the past 10 years, CVBF delivered 5.95% and MCHB delivered -2.87% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
CVB Financial & Mechanics Bank appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.