CVB Financial Corp. (CVBF) vs NMI Holdings, Inc. (NMIH)
A side-by-side comparison of CVB Financial Corp. and NMI Holdings, Inc. 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 NMIH
growth of $100 · dividends reinvested · last 10yCVBF vs NMIH: by the numbers
- •CVBF is the larger company ($3.14B vs $3.03B market cap).
- •NMIH trades at the lower trailing earnings multiple (7.86 vs 14.40 P/E), one valuation lens rather than an overall verdict.
- •NMIH converts more revenue to profit (54.12% vs 29.31% net margin).
- •NMIH grew revenue faster over the past five years (10.07% vs 8.20% CAGR).
- •CVBF pays a dividend (3.62% yield), while NMIH has no payments in the available dividend history.
Metrics side by side
Valuation
| Metric | CVBF | NMIH |
|---|---|---|
| P/E ratio | 14.40 | 7.86 |
| Forward P/E | 14.54 | 7.58 |
| PEG ratio | 4.53 | 0.43 |
| P/S ratio | 4.45 | 4.15 |
| P/B ratio | 0.99 | 1.12 |
Profitability
| Metric | CVBF | NMIH |
|---|---|---|
| Operating margin | 39.23% | 69.36% |
| Net margin | 29.31% | 54.12% |
| ROE | 6.53% | 14.61% |
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.
NMI Holdings, Inc.: 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 | NMIH |
|---|---|---|
| Dividend yield | 3.62% | N/A |
| Payout ratio | 52.63% | N/A |
Growth (annualized)
| Metric | CVBF | NMIH |
|---|---|---|
| Revenue CAGR (5Y) | 8.20% | 10.07% |
| EPS CAGR (5Y) | 3.18% | 17.89% |
| Total return CAGR (5Y) | 5.92% | 11.48% |
Frequently asked
- Which has the lower trailing P/E, CVBF or NMIH?
- NMIH has the lower trailing P/E: CVBF trades at 14.40 and NMIH at 7.86. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CVBF or NMIH?
- Over the past five years, NMIH grew revenue faster — CVBF at a 8.20% CAGR versus NMIH at 10.07%.
- Does CVBF or NMIH pay a bigger dividend?
- CVBF pays a dividend (3.62% yield), while NMIH has no payments in the available dividend history.
- Is CVBF or NMIH more profitable?
- NMIH runs the higher net margin — CVBF at 29.31% versus NMIH at 54.12%.
- How have CVBF and NMIH total returns compared?
- Over the past 10 years, CVBF delivered 5.95% and NMIH delivered 17.83% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
CVB Financial & NMI 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.