CVB Financial Corp. (CVBF) vs TowneBank (TOWN)
A side-by-side comparison of CVB Financial Corp. and TowneBank 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 TOWN
growth of $100 · dividends reinvested · last 10yCVBF vs TOWN: by the numbers
- •TOWN is the larger company ($3.27B vs $3.14B market cap).
- •TOWN trades at the lower trailing earnings multiple (9.96 vs 14.40 P/E), one valuation lens rather than an overall verdict.
- •CVBF converts more revenue to profit (29.31% vs 24.14% net margin).
- •TOWN grew revenue faster over the past five years (11.08% vs 8.20% CAGR).
- •TOWN pays the higher dividend yield (5.04% vs 3.62%).
Metrics side by side
Valuation
| Metric | CVBF | TOWN |
|---|---|---|
| P/E ratio | 14.40 | 9.96 |
| Forward P/E | 14.54 | 11.29 |
| PEG ratio | 4.53 | 5.19 |
| P/S ratio | 4.45 | 2.51 |
| P/B ratio | 0.99 | 1.09 |
Profitability
| Metric | CVBF | TOWN |
|---|---|---|
| Operating margin | 39.23% | 20.86% |
| Net margin | 29.31% | 24.14% |
| ROE | 6.53% | 10.48% |
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.
TowneBank: 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 | TOWN |
|---|---|---|
| Dividend yield | 3.62% | 5.04% |
| Payout ratio | 52.63% | 50.56% |
Growth (annualized)
| Metric | CVBF | TOWN |
|---|---|---|
| Revenue CAGR (5Y) | 8.20% | 11.08% |
| EPS CAGR (5Y) | 3.18% | 2.01% |
| Total return CAGR (5Y) | 5.92% | 6.13% |
Frequently asked
- Which has the lower trailing P/E, CVBF or TOWN?
- TOWN has the lower trailing P/E: CVBF trades at 14.40 and TOWN at 9.96. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CVBF or TOWN?
- Over the past five years, TOWN grew revenue faster — CVBF at a 8.20% CAGR versus TOWN at 11.08%.
- Does CVBF or TOWN pay a bigger dividend?
- CVBF yields 3.62% and TOWN yields 5.04% based on trailing dividends and the latest price.
- Is CVBF or TOWN more profitable?
- CVBF runs the higher net margin — CVBF at 29.31% versus TOWN at 24.14%.
- How have CVBF and TOWN total returns compared?
- Over the past 10 years, CVBF delivered 5.95% and TOWN delivered 7.26% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
CVB Financial & TowneBank 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.