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CVBFCVB Financial Corp.
$22.58$3.1B
Overview & Verdict
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CVBF logoCVB Financial Corp.(CVBF)Earnings, Financials & Key Ratios

CVBF•NASDAQ•Banking & Credit
$22.58
14.9× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutCVB Financial Corp. operates as a bank holding company for Citizens Business Bank, a state-chartered bank that provides banking and financial services to small to mid-sized businesses and individuals. It offers checking, savings, money market, and time certificates of deposit products for business and personal accounts; and serves as a federal tax depository for business customers. The company also provides commercial lending products comprising lines of credit and other working capital financing, accounts receivable lending, and letters of credit; agriculture loans to finance the operating needs of wholesale dairy farm operations, cattle feeders, livestock raisers, and farmers; lease financing services for municipal governments; commercial real estate and construction loans; and consumer financing products, including automobile leasing and financing, lines of credit, credit cards, home mortgages, and home equity loans and lines of credit. In addition, it offers various specialized services, such as treasury management systems for monitoring cash flow, merchant card processing program, armored pick-up and delivery, payroll services, remote deposit capture, electronic funds transfers, wires and automated clearinghouse, and online account access. Further, the company provides trust services through its CitizensTrust Division, such as fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. As of December 31, 2021, it operated 58 banking centers located in the Inland Empire, Los Angeles County, Orange County, San Diego County, Ventura County, Santa Barbara County, and the Central Valley area of California; and three trust offices located in Ontario, Newport Beach, and Pasadena, as well as two loan production offices in California's Central Valley and the Sacramento area. The company was founded in 1974 and is headquartered in Ontario, California.Show more
  • Net Interest Income$460M+3.3%
  • Total Revenue$643M-2.3%
  • Net Income$209M+4.3%
  • Return on Equity9.34%-0.8%
  • Net Interest Margin2.94%
  • Efficiency Ratio36.08%+13.8%
  • ROA1.36%+5.6%
  • Equity / Assets14.68%+1.8%
  • Book Value per Share16.89+7.0%

CVBF Price & Volume

CVB Financial Corp. (CVBF) stock price & volume — 10-year historical chart

Loading chart...

Disciplined Operational Efficiency Amidst Regional Asset Contraction

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Mixed
Profitability:Strong
Financial:Healthy
Cash Flow:Stable
Primary Risk:California CRE Concentration

Key Thesis Takeaways

  • CVB Financial Corp.
  • maintains a robust capital position with an equity-to-assets ratio of 0.15, providing a necessary buffer against its concentrated California-centric commercial real estate and agricultural loan exposure.
  • While the bank has demonstrated disciplined expense management with an efficiency ratio of 36.0% as of 2026Q1, investors should monitor the persistent net interest margin compression, which has remained stagnant between 0.7% and 0.8% over the last ten quarters.
  • Future growth appears constrained by a deliberate balance sheet contraction, with total assets declining from $16.5 billion in 2024Q1 to $15.5 billion in 2026Q1, necessitating a focus on sustainable fee-based revenue to offset interest rate sensitivity.

Verdict Logic

while the bank maintains a solid equity-to-assets ratio of 0.15, the stagnant net interest margin of 0.8% and the ongoing contraction of total assets to $15.5 billion suggest limited near-term catalysts for significant earnings growth.

CVBF Growth Metrics

CVB Financial Corp. (CVBF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years8.11%
5 Years6.1%
3 Years4.61%
TTM-

Profit CAGR

10 Years7.76%
5 Years3.39%
3 Years-3.85%
TTM2.94%

EPS CAGR

10 Years5.04%
5 Years3.18%
3 Years-3.09%
TTM4.83%

Return on Capital

10 Years13.45%
5 Years12.75%
3 Years11.8%
Last Year9.26%

CVBF Recent Earnings

CVB Financial Corp. (CVBF) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 5/12 qtrs (45%)
Q2 2026Latest
Apr 22, 2026
Metric
Actual
Est
EPS
$0.38+0.0%
$0.38
Rev
$132M-0.6%
$133M
Q1 2026
Jan 28, 2026
Metric
Actual
Est
EPS
$0.36-10.0%
$0.40
Rev
$163M
—
Q1 2026
Jan 21, 2026
Metric
Actual
Est
EPS
$0.40+0.0%
$0.40
Rev
$134M-1.2%
$135M
Q4 2025
Oct 22, 2025
Metric
Actual
Est
EPS
$0.38+2.7%
$0.37
Rev
$129M-1.9%
$131M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 22, 2026
$0.38vs $0.38+0.0%
$132Mvs $133M-0.6%
Q1 2026Jan 28, 2026
$0.36vs $0.40-10.0%
$163M
Q1 2026Jan 21, 2026
$0.40vs $0.40+0.0%
$134Mvs $135M-1.2%
Q4 2025Oct 22, 2025
$0.38vs $0.37+2.7%
$129Mvs $131M-1.9%
Based on last 12 quarters of dataView full earnings history →

Latest CVBF News

Recent stock market news and headlines for CVB Financial Corp. (CVBF)

GlobeNewsWire·Jun 24, 2026
CVB Financial Corp. Announces 147th Consecutive Quarterly Cash Dividend

Ontario, CA, June 24, 2026 (GLOBE NEWSWIRE) -- CVB Financial Corp. (NASDAQ: CVBF) (the “Company”) announced a twenty cent ($0.20) per share cash dividend with respect to the second quarter of 2026. This dividend was approved at the Company's regularly scheduled Board of Directors meeting held on June 24, 2026. The quarterly dividend will be payable on or about July 23, 2026, to shareholders of record as of July 9, 2026.

GlobeNewsWire·Jun 15, 2026
CVB Financial Corp. Announces Authorization of 15 Million Share Repurchase Plan

Ontario, CA, June 15, 2026 (GLOBE NEWSWIRE) -- CVB Financial Corp. (NASDAQ: CVBF) announced that at a meeting on June 15, 2026, the Board of Directors of CVB Financial Corp. (the “Company”), the holding company for Citizens Business Bank, National Association, authorized the Company to repurchase up to 15,000,000 shares of the Company's common stock (the “2026 Repurchase Program”), including by means of one or more Rule 10b5-1 plans or other appropriate buy-back arrangements, including open market purchases and private transactions. “The approval of this share repurchase program reflects our robust capital position, consistent track record of producing quality earnings, and history of delivering long term value to our shareholders,” said David A.

Peers Comparison

Key metrics vs top competitors for CVB Financial Corp. (CVBF)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
CVBF logoCVBFCVB Financial Corp.Current
$22.58$3.06B14.86-2.33%32.53%9.34%3.62%
WAFD logoWAFDWaFd, Inc.
$37.65$2.78B14.32-1.58%18.26%8.36%—
BANR logoBANRBanner Corporation
$67.33$2.29B11.94-0.95%24.82%10.66%—
COLB logoCOLBColumbia Banking System, Inc.
$32.12$7.65B13.978.35%19.56%9.16%—
FFIN logoFFINFirst Financial Bankshares, Inc.
$34.67$4.97B19.5911.71%31.14%14.2%—
BOKF logoBOKFBOK Financial Corporation
$140.43$8.53B15.30-1.07%18.3%10.31%—

Compare CVBF vs Peers

CVB Financial Corp. (CVBF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs WAFD

Most directly comparable listed peer for CVBF.

Scale Benchmark

vs MCO

Larger-name benchmark to compare CVBF against a more recognizable public peer.

Peer Set

Compare Top 5

vs WAFD, BANR, COLB, FFIN

CVBF SEC Filings & Documents

CVB Financial Corp. (CVBF) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jun 15, 2026·SEC

Material company update

Jun 1, 2026·SEC

Material company update

May 26, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 28, 2025·SEC

FY 2024

Feb 28, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 8, 2026·SEC

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

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CVBF Frequently Asked Questions

CVB Financial Corp. (CVBF) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is CVB Financial Corp. growing?

CVB Financial Corp. (CVBF) saw revenue decline by 2.3% over the past year.

Is CVBF profitable?

Yes, CVB Financial Corp. (CVBF) is profitable, generating $209.2M in net income for fiscal year 2025 (32.5% net margin).

Dividend & Returns
Does CVBF pay dividends?

Yes, CVB Financial Corp. (CVBF) pays a dividend with a yield of 3.62%. This makes it attractive for income-focused investors.

What is CVBF's return on equity?

CVB Financial Corp. (CVBF) has a return on equity (ROE) of 9.3%. This is below average, suggesting room for improvement.

Industry Metrics
What is CVB Financial Corp.'s net interest margin?

CVB Financial Corp. (CVBF) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.

What is CVB Financial Corp.'s efficiency ratio?

CVB Financial Corp. (CVBF) has an efficiency ratio of 36.1%. This is excellent, indicating strong cost control.

What if you invested $1,000 in CVBF back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →