` Comparison: CVBF vs HLAN - Alpha Spread
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CVBF
vs
HLAN

Over the past 12 months, CVBF has outperformed HLAN, delivering a return of +6% compared to the HLAN's +1% growth.

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CVBF
HLAN
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Stocks Compared:
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Valuation Comparison

CVBF Intrinsic Value
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HLAN Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Multiples-Based Value Wall St Target
CVB Financial Corp
NASDAQ:CVBF
19.576 USD
Heartland Banccorp
OTC:HLAN
19 400 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
CVBF, HLAN

CVBF
HLAN
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
CVB Financial Corp
Revenue
Heartland Banccorp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
CVBF, HLAN

CVBF
HLAN
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
CVB Financial Corp
NASDAQ:CVBF
FCF is not applicable for financial companies
Heartland Banccorp
OTC:HLAN
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What is Free Cash Flow?

Gross Margin

CVBF
HLAN
0%
LTM 3Y Avg 5Y Avg 10Y Avg
CVB Financial Corp
Not applicable for financial companies
Heartland Banccorp

Operating Margin

CVBF
HLAN
0%
LTM 3Y Avg 5Y Avg 10Y Avg
CVB Financial Corp
Not applicable for financial companies
Heartland Banccorp

Net Margin

CVBF
40.3%
HLAN
0%

FCF Margin

CVBF
HLAN
0%
LTM 3Y Avg 5Y Avg 10Y Avg
CVB Financial Corp
Not applicable for financial companies
Heartland Banccorp

ROE

CVBF
9.3%
HLAN
0%

ROA

CVBF
1.4%
HLAN
0%

ROIC

CVBF
HLAN
0%
LTM 3Y Avg 5Y Avg 10Y Avg
CVB Financial Corp
Not applicable for financial companies
Heartland Banccorp

ROCE

CVBF
HLAN
0%
LTM 3Y Avg 5Y Avg 10Y Avg
CVB Financial Corp
Not applicable for financial companies
Heartland Banccorp

Solvency Comparison

CVB Financial Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Heartland Banccorp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
CVBF, HLAN

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CVBF
HLAN
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Performance Gap
CVBF, HLAN

Performance Gap Between CVBF and HLAN
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Performance By Year
CVBF, HLAN

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CVBF
HLAN
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Compare CVBF to other stocks
PNC
PNC Financial Services Group I...
More expensive
vs CVBF
TFC
Truist Financial Corp
Cheaper
vs CVBF
FITB
Fifth Third Bancorp
More expensive
vs CVBF
HBAN
Huntington Bancshares Inc
Cheaper
vs CVBF
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