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CVB Financial Corporation

CVBF Financial Banks Regional

CVB Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $648.5 million, down 5.28% from fiscal 2024.

Revenue
+45.4%
EPS
+15.8%
Free cash flow
+641.3%
Total debt
+8.00%

Quarter to September 2026, against a year earlier

22.94 0.43 −1.84%
Market cap
$4.0B
P/E
15.2×
Fwd P/E
14.0×
Dividend yield
3.49%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 3.68
Sold, $m 0.92
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — 4 — 1 1 — — —
Sell — — — — — — — — 1 — — —
Insider Ownership 5.42%

Capital & Financial Ratios $m

Size
Market Cap 4,010.00
Revenue ttm 786.84
Net income ttm 206.89
Free cash flow ttm 572.50
Net debt Q 283.45
Valuation
P/E 15.19
Forward P/E 14.00
Price / sales 5.10
Forward P/S Powerpack
Price / FCF 7.01
Price / book 1.28
Financial health
Current ratio Q 0.75
Debt / equity Q 0.17
Interest coverage Q —
Growth
Revenue growth Q +45.38% (above 0%: growing)
Operating income growth Q +64.33% (above 0%: growing)
EPS, this year +4.28%
EPS, next year A +24.82% (at or above 15%: strong)
Revenue, next year A +8.50%
EPS, past 5 yrs +3.18%
EPS, next 5 yrs A +11.67%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 52.26%
10-year low 10-year high
P/S against its own 10 years 34.95%
10-year low 10-year high
P/B against its own 10 years 33.55%
10-year low 10-year high

Dividends

Yield
3.49%
Annual rate
0.80
Payout ratio
53.0%
Growth, 2017–25
+5.53%/yr
  1. 0.52 ’17
  2. 0.56 ’18 +8
  3. 0.68 ’19 +21
  4. 0.90 ’20 +32
  5. 0.72 ’21 −20
  6. 0.77 ’22 +7
  7. 0.60 ’23 −22
  8. 1.00 ’24 +67
  9. 0.80 ’25 −20
  10. 0.80 ’26e +0
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 290 205 389 257
Receivables — — — —
Inventory — — — —
Other — — — —
9,157 8,707 9,058 12,253
2023 2024 2025 Q'26
Payables 11,434 11,948 12,072 15,730
ST’ Debt — — — —
Other — — — —
11,729 12,215 12,567 16,302

Compound Annual Growth %

10y 5y 3y
Sales 8.20% 6.19% 4.72%
Cash Flow 7.68% 3.65% (6.83%)
Earnings 7.74% 3.32% (3.85%)
Book Value 9.53% 2.71% 5.61%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.45 Actual 0.44

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.40 0.40 Met by 0.00
Q1 FY26 0.38 0.38 Met by 0.00
Q2 FY26 0.42 0.44 Beat by 0.02
Q3 FY26 0.45 0.44 Miss by 0.01
Q4 FY26 0.47 — Reports 20 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.38 0.29 0.44 — —
’25 0.36 0.36 0.38 0.40 1.52
’24 0.35 0.36 0.37 0.36 1.44
’23 0.42 0.40 0.42 0.35 1.59
’22 0.31 0.42 0.46 0.47 1.67
’21 0.47 0.38 0.37 0.35 1.56
’20 0.27 0.31 0.35 0.37 1.30
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 163 219 237 — —
’25 159 159 163 167 648
’24 172 173 179 161 685
’23 156 162 171 177 666
’22 125 138 147 155 565
’21 119 118 115 116 468
’20 119 120 120 122 480
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 62 388 — — —
’25 42 53 82 45 221
’24 77 26 71 75 250
’23 70 92 85 49 296
’22 75 53 74 71 274
’21 47 24 66 59 195
’20 76 22 41 47 185
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 61 387 — — —
’25 41 52 81 43 217
’24 77 24 70 73 245
’23 70 90 84 47 291
’22 74 60 73 70 277
’21 47 22 66 56 192
’20 75 21 42 45 183
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.8
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 301 329 405 517 480 468 565 666 685 648 787 +8.9% 704 804 843 +9.1%
Gross margin, % 97.35 97.48 96.84 95.73 97.03 98.70 98.38 82.22 73.30 79.49 81.46 (17.9) pt
EBT 162 189 211 291 250 298 328 315 271 282 314 +6.3%
EBT margin, % 53.99 57.32 52.08 56.31 51.96 63.60 58.15 47.39 39.62 43.44 39.91 (10.6) pt
Net income 101 104 152 208 177 213 235 221 201 209 207 +8.4%
Per share, $
Per share, $ Revenue 2.80 3.01 3.33 3.70 3.53 3.46 4.04 4.81 4.95 4.74 4.50 +6.0%
Earnings 0.94 0.95 1.25 1.48 1.30 1.57 1.67 1.59 1.44 1.52 1.51 +5.5%
Cash flow 1.16 1.27 1.36 1.49 1.36 1.44 1.96 2.14 1.80 1.62 0.00 +3.8%
Capex (0.12) (0.01) (0.03) 0.00 (0.02) (0.03) 0.02 (0.03) (0.04) (0.03) 0.00 (14.2%)
Free cash flow 1.04 1.26 1.32 1.49 1.34 1.42 1.98 2.10 1.77 1.59 0.00 +4.8%
Book value 9.24 9.77 15.21 14.27 14.76 15.40 13.95 15.02 15.80 16.78 17.89 +6.9%
Shares, m 107 109 122 140 136 135 140 138 138 137 153 +2.7%
Valuation, ×
Valuation, × P/E 24.77 24.73 16.18 14.48 15.00 13.64 15.22 12.62 14.87 12.32 15.19 16.4
P/S 8.22 7.80 6.07 5.83 5.52 6.18 6.25 4.17 4.33 3.92 5.10 5.8
P/B 2.49 2.40 1.33 1.51 1.32 1.39 1.81 1.34 1.36 1.11 1.28 1.6
EV/Sales 7.74 7.39 5.71 5.52 1.41 2.46 5.90 3.77 4.76 4.09 — 4.9
EV/FCF 20.80 17.69 14.40 13.69 3.71 5.99 12.04 8.63 13.32 12.21 — 12.2
Cash, $m
Cash, $m Operating cash flow 125 138 165 208 185 195 274 296 250 221 577 +6.6%
Capex (13) (1) (4) 0 (3) (4) 3 (5) (5) (4) (4) (11.8%)
Free cash flow 112 138 161 208 183 192 277 291 245 217 572 +7.7%
Balance, $m
Balance, $m Working capital (2,387) (2,145) (1,366) (1,421) (1,888) (4,003) (4,148) (2,572) (3,508) (3,509) (4,049) +4.4%
Net debt (144) (137) (146) (163) (1,976) (1,745) (196) (290) 295 111 283 n/m
Shareholders’ equity 991 1,069 1,851 1,994 2,008 2,082 1,949 2,078 2,186 2,295 3,130 +9.8%
Returns, %
Returns, % ROA 1.28 1.27 1.53 1.82 1.37 1.40 1.45 1.35 1.28 1.35 1.28 +0.1 pt
ROIC 12.27 12.77 8.33 10.15 486.72 55.20 11.92 11.01 6.80 7.41 6.63 (4.9) pt
ROE 10.55 10.10 10.38 10.78 8.82 10.35 11.61 10.92 9.35 9.28 8.55 (1.3) pt
People
People Employees — — — — 1,052 1,015 1,072 1,107 1,089 1,079 — +0.5%
Revenue/emp, $m 0.00 0.00 0.00 0.00 0.46 0.46 0.53 0.60 0.63 0.60 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

CVB Financial Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
IBOC International Bancshares Corporation $4.3B 10.1× 10.5× +2.82% (above 0%: growing) +5.75% (above 0%: growing) +9.70% (above 0%: growing) 81.66% 0.00% Compare
FLG Flagstar Bank, National Association $4.3B 70.7× 91.9× −9.46% (below 0%: shrinking) n/m −42.53% (below 0%: shrinking) 48.98% 0.00% Compare
CATY Cathay General Bancorp $4.2B 11.8× 11.5× +9.21% (above 0%: growing) +26.55% (above 0%: growing) +272.48% (above 0%: growing) 65.64% 0.00% Compare
CVBF CVB Financial Corporation $4.0B 15.2× 14.0× +45.38% (above 0%: growing) +15.79% (above 0%: growing) +641.25% (above 0%: growing) 82.47% 0.00%
WSFS WSFS Financial Corporation $4.0B 12.4× 11.7× +2.90% (above 0%: growing) +27.74% (above 0%: growing) +35.81% (above 0%: growing) 81.03% 0.00% Compare
GGAL Grupo Financiero Galicia S.A. $4.0B 15.2× — −91.05% (below 0%: shrinking) −72.04% (below 0%: shrinking) −347.48% (below 0%: shrinking) 100.00% 0.00% Compare
INDB Independent Bank Corp. $4.0B 12.5× 11.5× +3.14% (above 0%: growing) +175.36% (above 0%: growing) −34.59% (below 0%: shrinking) 75.78% 0.00% Compare
FBP First BanCorp. $3.9B 10.8× 10.9× +3.16% (above 0%: growing) +1.59% (above 0%: growing) −5.21% (below 0%: shrinking) 80.42% 0.00% Compare
BANF BancFirst Corporation $3.9B 15.0× 14.3× −78.96% (below 0%: shrinking) +6.38% (above 0%: growing) +13.82% (above 0%: growing) 100.00% 0.00% Compare
Median of peers $4.0B 12.5× 11.5× +2.86% +6.38% +2.25% 80.73% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 7 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 3.80m 3.60m 116.42
2024 3.12m 3.48m 128.58
2023 2.84m 2.29m 114.93
2022 2.91m 3.61m 140.86
2021 2.64m 2.88m 113.58

Ownership

Directors and executive officers, together 6.40%
BlackRock, Inc. 14.30%
The Vanguard Group 11.60%
The Marital Trust Under the George Borba Family Trust (“Borba Family Trust”); The Borba Children’s Holding Trust (“Borba Children’s Trust”); George Borba and Son Dairy, L.P.; George A. Borba, Jr., individually and as co-trustee (with shared voting and dispositive power) of the Borba Family Trust and Borba Children’s Trust; and Linda B. Gourdikian, individually and as co-trustee (with shared voting and dispositive power) of the Borba Family Trust and the Borba Children’s Trust (collectively, the “Borba Family Group”) 5.70%
George A. Borba, Jr. Vice-Chairman of the Board and Nominee 5.60%
Dimensional Fund Advisors LP 5.10%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

CVB Financial Corporation (CVBF) Latest News

29 Oct

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22 Oct

Impact 4 · · The Motley Fool transcript
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21 Oct

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19 Oct

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29 Sep

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28 Aug

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23 Jul

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22 Jul

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20 Jul

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8 Jul

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27 Apr

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24 Apr

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23 Apr

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CVBF metrics, ten years each

stockrow.com/CVBF · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com