CVBF vs UPST

Comparison between CVB Financial Corp (CVBF, Company) and Upstart Holdings Inc (UPST, Company).

Both CVBF and UPST are from the Financial Services sector.

5-Year PerformanceCVBF has outperformed UPST, delivering a return of +3.8% compared to -23.5%

CVBF vs UPST - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CVBF(COMPANY)	UPST(COMPANY)
Market Cap	$3.11B	$3.10B
Max Drawdown	68.05%	96.90%
Sharpe Ratio	0.67	-0.60
5Y Beta	0.85	2.60
Industry	Banks - Regional	Credit Services
P/E Ratio	14.95	111.78
Forward P/E	11.53	35.21
PEG Ratio	2.92	N/A
Dividend Yield	3.89%	N/A
5Y Dividends CAGR	2.13%	N/A
5Y EPS CAGR	0.45%	N/A
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	7.64%	-12.65%
P/S Ratio	7.07	2.64
P/B Ratio	1.58	4.23

Market Cap

Winner

CVBF

$3.11B

UPST

$3.10B

Max Drawdown

Winner

CVBF

68.05%

UPST

96.90%

Sharpe Ratio

Winner

CVBF

0.67

UPST

-0.60

5Y Beta

Winner

CVBF

0.85

UPST

2.60

Industry

CVBF

Banks - Regional

UPST

Credit Services

P/E Ratio

Winner

CVBF

14.95

UPST

111.78

Forward P/E

Winner

CVBF

11.53

UPST

35.21

PEG Ratio

CVBF

2.92

UPST

N/A

Dividend Yield

CVBF

3.89%

UPST

N/A

5Y Dividends CAGR

CVBF

2.13%

UPST

N/A

5Y EPS CAGR

CVBF

0.45%

UPST

N/A

Debt to Equity

CVBF

0.00%

UPST

0.00%

Free Cash Flow Yield

Winner

CVBF

7.64%

UPST

-12.65%

P/S Ratio

CVBF

7.07

Winner

UPST

2.64

P/B Ratio

Winner

CVBF

1.58

UPST

4.23

CVBF vs UPST - Historical Returns

Returns include dividend reinvestment.

Period	CVBF	UPST
1 month	+3.44%	+9.66%
3 months	+10.59%	+12.22%
6 months	+9.86%	-35.78%
1 year	+15.10%	-46.98%
5 years(CAGR)	+3.81%	-23.52%
10 years(CAGR)	+6.06%	N/A
Max(CAGR)	+7.16%	+1.11%

CVBF

+3.44%

Winner

UPST

+9.66%

CVBF

+10.59%

Winner

UPST

+12.22%

Winner

CVBF

+9.86%

UPST

-35.78%

Winner

CVBF

+15.10%

UPST

-46.98%

5Y(CAGR)

Winner

CVBF

+3.81%

UPST

-23.52%

10Y(CAGR)

CVBF

+6.06%

UPST

N/A

Max(CAGR)

Winner

CVBF

+7.16%

UPST

+1.11%

CVBF vs UPST - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CVBF	UPST
2026	+13.90%	-31.68%
2025	-6.98%	-28.08%
2024	+12.55%	+58.69%
2023	-16.82%	+216.99%
2022	+23.04%	-90.86%
2021	+13.46%	+243.94%
2020	-5.75%	+38.28%
2019	+8.65%	N/A
2018	-11.72%	N/A
2017	+4.59%	N/A
2016	+42.42%	N/A
2015	+9.74%	N/A
2014	-1.95%	N/A
2013	+63.16%	N/A
2012	+4.90%	N/A
2011	+18.56%	N/A
2010	-0.95%	N/A
2009	-21.99%	N/A
2008	+24.68%	N/A
2007	-21.03%	N/A
2006	-10.54%	N/A
2005	-2.97%	N/A
2004	+42.50%	N/A
2003	-4.98%	N/A
2002	+35.83%	N/A
2001	+41.98%	N/A
2000	+0.46%	N/A
1999	-11.28%	N/A

CVBF vs UPST Drawdown Comparison

The maximum drawdown for CVBF was -63.31%, occurring on Jul 10, 2009. Recovery took 1962 trading sessions.

The maximum drawdown for UPST was -96.90%, occurring on May 2, 2023. This drawdown has not yet recovered.

The current CVBF drawdown is -15.29%. The current UPST drawdown is -91.97%.

Rank	CVBF	UPST
#1	-63.31% Dec 1, 2004 - Sep 14, 2012	-96.90% Oct 15, 2021 - May 2, 2023
#2	-61.73% Nov 10, 2022 - May 11, 2023	-54.13% Feb 12, 2021 - Mar 18, 2021
#3	-36.15% Aug 21, 2018 - Mar 8, 2021	-49.02% Mar 22, 2021 - May 27, 2021
#4	-36.01% Nov 5, 1999 - Aug 16, 2001	-33.48% Jun 7, 2021 - Aug 11, 2021
#5	-28.07% May 16, 2002 - Nov 1, 2002	-18.75% Dec 22, 2020 - Jan 5, 2021
#6	-24.03% Sep 14, 2012 - Jul 5, 2013	-13.85% Sep 23, 2021 - Oct 13, 2021
#7	-23.42% Nov 6, 2015 - Nov 9, 2016	-13.39% May 27, 2021 - Jun 7, 2021
#8	-22.81% Mar 12, 2021 - Apr 21, 2022	-13.12% Jan 12, 2021 - Jan 21, 2021
#9	-18.11% Dec 26, 2013 - Jun 3, 2015	-8.67% Aug 18, 2021 - Aug 24, 2021
#10	-18.06% Mar 1, 2017 - Oct 2, 2017	-7.68% Jan 25, 2021 - Feb 1, 2021
#11	-16.37% Jun 4, 2003 - Dec 29, 2003	-7.10% Sep 9, 2021 - Sep 16, 2021
#12	-15.73% Jul 16, 2015 - Oct 28, 2015	-6.78% Dec 18, 2020 - Dec 22, 2020
#13	-12.80% Dec 29, 2003 - Apr 2, 2004	-5.66% Feb 3, 2021 - Feb 9, 2021
#14	-12.35% Jan 8, 2002 - Mar 27, 2002	-4.80% Jan 7, 2021 - Jan 12, 2021
#15	-12.08% Nov 29, 2017 - Aug 21, 2018	-3.38% Aug 27, 2021 - Aug 31, 2021