CVBF

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CVB Financial Corp.

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Key Metrics

Previous Close: $22.53
52-Week Range: $17.95 – $23.41
Market Cap: $3.96B
P/E (TTM): 15.64
EPS (TTM): 1.44
Dividend Yield: 3.55%

Advanced Metrics

Price/Book: 1.25
PEG Ratio: 1.47
Return on Equity: 7.65%
Return on Assets: 1.13%
Gross Margin: 0.00%
Operating Margin: 55.75%
Profit Margin: 36.14%
Current Ratio: —
Debt/Equity: —
Total Debt: $1.20B
Free Cash Flow: —
Revenue Growth: 42.00%
Earnings Growth: -21.60%
Enterprise Value: $4.03B

CVBF Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$552.78M	$547.32M	$475.92M	$515.46M
Selling, General & Admin	$137.89M	$149.17M	$155.07M	$154.53M
Pretax Income	$328.35M	$315.43M	$271.24M	$281.69M
Income Tax	$92.92M	$94.00M	$70.52M	$72.39M
Net Income	$235.43M	$221.44M	$200.72M	$209.30M
Diluted EPS	1.67	1.59	1.44	1.52
Diluted Shares	140.01M	138.46M	138.58M	137.05M

CVBF Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$213.01M	$289.50M	$205.18M	$389.45M
Receivables	$314.21M	$301.34M	$282.80M	$280.18M
Total Assets	$16.48B	$16.02B	$15.15B	$15.63B
Total Debt	$995.00M	$2.07B	$500.00M	$500.00M
Total Liabilities	$14.53B	$13.94B	$12.97B	$13.34B
Retained Earnings	$1.00B	$1.11B	$1.20B	$1.30B
Shareholders' Equity	$1.95B	$2.08B	$2.19B	$2.30B
Net Debt	$781.99M	$1.78B	$294.82M	$110.55M

CVBF Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$273.73M	$295.63M	$249.76M	$221.41M
Capital Expenditure	-$5.36M	-$4.52M	-$5.13M	-$4.07M
Free Cash Flow	$268.37M	$291.11M	$244.63M	$217.34M
Depreciation & Amortisation	$13.66M	$18.17M	$15.37M	$14.78M
Stock-Based Compensation	$7.90M	$9.44M	$10.23M	$6.22M
Investing Cash Flow	-$1.18B	$536.28M	$852.75M	-$210.31M
Financing Cash Flow	-$625.85M	-$754.08M	-$1.18B	$160.59M
Dividends Paid	-$104.44M	-$111.69M	-$111.83M	-$110.99M
Share Repurchases	-$116.33M	-$21.22M	-$2.82M	-$81.12M
Net Change in Cash	-$1.53B	$77.82M	-$76.59M	$171.69M

CVBF Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$126.35M	$128.58M	$133.85M	$132.12M	—
Selling, General & Admin	$37.60M	$38.42M	$39.25M	$40.33M	—
Pretax Income	$68.80M	$69.01M	$74.36M	$68.55M	—
Income Tax	$18.23M	$16.42M	$19.32M	$17.55M	—
Net Income	$50.56M	$52.59M	$55.04M	$51.00M	—
Diluted EPS	0.36	0.38	0.40	0.38	0.29
Diluted Shares	139.47M	137.15M	135.92M	134.92M	167.19M

CVBF Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$532.54M	$749.64M	$797.08M	$389.45M	$457.32M
Receivables	$258.65M	$261.48M	$266.51M	$280.18M	$266.58M
Total Assets	$15.26B	$15.41B	$15.67B	$15.63B	$15.51B
Long-Term Debt	—	$200.00M	—	—	—
Total Debt	$500.00M	$500.00M	$500.00M	$500.00M	$500.00M
Total Liabilities	$13.03B	$13.17B	$13.38B	$13.34B	$13.19B
Retained Earnings	$1.22B	$1.25B	$1.27B	$1.30B	$1.32B
Shareholders' Equity	$2.23B	$2.24B	$2.28B	$2.30B	$2.32B
Net Debt	—	—	—	$110.55M	$42.68M

CVBF Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$41.88M	$53.11M	$81.54M	$44.88M	$62.39M
Capital Expenditure	-$679.00K	-$850.00K	-$836.00K	-$1.70M	-$1.15M
Free Cash Flow	$41.20M	$52.26M	$80.71M	$43.18M	$61.25M
Depreciation & Amortisation	$4.82M	$3.86M	$3.66M	$2.44M	$4.53M
Stock-Based Compensation	$2.52M	$2.41M	$2.39M	-$1.10M	$2.18M
Investing Cash Flow	$273.07M	$84.07M	-$189.18M	-$378.27M	$166.42M
Financing Cash Flow	$9.44M	$72.37M	$152.92M	-$74.14M	-$152.81M
Dividends Paid	-$27.94M	-$27.99M	-$27.57M	-$27.50M	-$27.11M
Share Repurchases	-$18.69M	-$22.54M	-$6.13M	-$33.76M	-$3.08M
Net Change in Cash	$324.39M	$209.55M	$45.28M	-$407.53M	$76.00M

Market Snapshot

About

CVB Financial Corp. is a bank holding company headquartered in Ontario, California, operating primarily through its subsidiary Citizens Business Bank. The company provides a full range of commercial and personal banking services including business and consumer loans, deposit accounts, treasury management, and investment services. CVB Financial serves small to mid-sized businesses, professionals, and individuals primarily in Southern California's Inland Empire region. The bank emphasizes relationship banking and has a strong commercial real estate lending presence in its markets.