CVBF

CVB Financial Corp.

Cyclical demand Regulated industry Sells to businesses Consumer brandTags from an AI model reading the company description.

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Key Metrics

Previous Close: $22.01
52-Week Range: $17.95 – $23.41
Market Cap: $3.92B
P/E (TTM): 15.58
EPS (TTM): 1.43
Dividend Yield: 3.59%

Advanced Metrics

Price/Book: 1.24
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: $3.99B

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	$179.43M
Selling, General & Admin	$37.60M	$38.42M	$39.25M	$40.33M	$49.51M
Pretax Income	$68.80M	$69.01M	$74.36M	$68.55M	$65.05M
Income Tax	$18.23M	$16.42M	$19.32M	$17.55M	$16.79M
Net Income	$50.56M	$52.59M	$55.04M	$51.00M	$48.26M
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	$749.64M	$797.08M	$389.45M	$457.32M	$1.11B
Receivables	$261.48M	$266.51M	$280.18M	$266.58M	$424.49M
Total Assets	$15.41B	$15.67B	$15.63B	$15.51B	$21.18B
Long-Term Debt	$200.00M	—	—	—	$38.97M
Total Debt	$500.00M	$500.00M	$500.00M	$500.00M	$538.97M
Total Liabilities	$13.17B	$13.38B	$13.34B	$13.19B	$18.01B
Retained Earnings	$1.25B	$1.27B	$1.30B	$1.32B	$1.34B
Shareholders' Equity	$2.24B	$2.28B	$2.30B	$2.32B	$3.17B
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	$53.11M	$81.54M	$44.88M	$62.39M	$388.14M
Capital Expenditure	-$850.00K	-$836.00K	-$1.70M	-$1.15M	-$780.00K
Free Cash Flow	$52.26M	$80.71M	$43.18M	$61.25M	$387.36M
Depreciation & Amortisation	$3.86M	$3.66M	$2.44M	$4.53M	$4.04M
Stock-Based Compensation	$2.41M	$2.39M	-$1.10M	$2.18M	$260.00K
Investing Cash Flow	$84.07M	-$189.18M	-$378.27M	$166.42M	$632.82M
Financing Cash Flow	$72.37M	$152.92M	-$74.14M	-$152.81M	-$368.99M
Dividends Paid	-$27.99M	-$27.57M	-$27.50M	-$27.11M	-$27.33M
Share Repurchases	-$22.54M	-$6.13M	-$33.76M	-$3.08M	-$2.05M
Net Change in Cash	$209.55M	$45.28M	-$407.53M	$76.00M	$651.97M

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.