Saturday 17 October 2026 Export CVBF’s income statement to Excel — free account

CVB Financial Corporation

CVB Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $648.5 million, down 5.28% from fiscal 2024. In the quarter to June 2026, revenue grew 37.9%, EPS fell 19.4% and free cash flow grew 641.3%, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.

21.87 0.04 +0.18%

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Market cap: $3.8B
P/E: 15.1×
Fwd P/E: 14.9×
Dividend yield: 3.66%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 4.18

Total sells 0.92

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	1	—	—	—	—	—	4	—	1	1	—	—
Sell	—	—	—	—	—	—	—	—	—	1	—	—

Insider Ownership 0.64%

Capital & Financial Ratios $m

Market Cap 3,840.00

Revenue 712.82

Net Income 206.89

Free Cash Flow 572.50

Net Debt (566.13)

Current Ratio 0.77

Debt/Equity 0.17

P/E ratio 15.08

Fwd P/E 14.90

P/S ratio 5.13

P/B ratio 1.15

Past 5Y EPS Growth 3.18%

This Y EPS Growth 3.18%

Next Y EPS Growth 26.78%

Next Y revenue growth 7.96%

Next 5Y EPS Growth 11.26%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 50.94%

10-year low 10-year high

P/S against its own 10 years 34.87%

10-year low 10-year high

P/B against its own 10 years 12.97%

10-year low 10-year high

Dividends

Payout Ratio 0.55

Annual Dividend Rate 0.80

Annual Dividend Yield 3.66%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.80	0.20 0.20 0.20
2025	0.80	0.20 0.20 0.20 0.20
2024	1.00	0.20 0.20 0.20 0.20 0.20
2023	0.60	0.20 0.20 0.20
2022	0.77	0.18 0.19 0.20 0.20
2021	0.72	0.18 0.18 0.18 0.18
2020	0.90	0.18 0.18 0.18 0.18 0.18
2019	0.68	0.14 0.18 0.18 0.18
2018	0.56	0.14 0.14 0.14 0.14
2017	0.52	0.12 0.12 0.14 0.14
2016	0.36	0.12 0.12 0.12

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	290	205	389	1,105
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	9,157	8,707	9,058	13,056

	2023	2024	2025	Q'26
Payables	11,434	11,948	12,072	16,289
ST’ Debt	—	—	—	—
Other	—	—	—	—
	11,729	12,215	12,567	16,859

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	163	219	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.38	0.29	—	—	—
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	14.02	19.58	19.21	19.83	14.92	18.72	21.36	10.66	15.71	16.01	Analyst estimates 2026–2028 Powerpack
	High	23.23	25.49	25.14	23.18	22.22	25.00	29.25	25.98	24.58	21.71
People
People	Employees	—	—	—	—	1,052	1,015	1,072	1,107	1,089	1,079
	Revenue/emp, $m	0.00	0.00	0.00	0.00	0.46	0.46	0.53	0.60	0.63	0.60
Income, $m
Income, $m	Revenue	301	329	405	517	480	468	565	666	685	648
	Gross margin, %	97.35	97.48	96.84	95.73	97.03	98.70	98.38	82.22	73.30	79.49
	EBT	162	189	211	291	250	298	328	315	271	282
	EBT margin, %	53.99	57.32	52.08	56.31	51.96	63.60	58.15	47.39	39.62	43.44
	Net income	101	104	152	208	177	213	235	221	201	209
	Depreciation	26	21	22	32	14	26	40	36	32	30
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
	Earnings	0.94	0.95	1.25	1.48	1.30	1.57	1.67	1.59	1.44	1.52
	Cash flow	1.16	1.27	1.36	1.49	1.36	1.44	1.96	2.14	1.80	1.62
	Capex	(0.12)	(0.01)	(0.03)	0.00	(0.02)	(0.03)	0.02	(0.03)	(0.04)	(0.03)
	Free cash flow	1.04	1.26	1.32	1.49	1.34	1.42	1.98	2.10	1.77	1.59
	Book value	9.24	9.77	15.21	14.27	14.76	15.40	13.95	15.02	15.80	16.78
	Shares, m	107	109	122	140	136	135	140	138	138	137
Valuation, ×
Valuation, ×	P/E	24.77	24.73	16.18	14.48	15.00	13.64	15.22	12.62	14.87	12.32
	P/S	8.22	7.80	6.07	5.83	5.52	6.18	6.25	4.17	4.33	3.92
	P/B	2.49	2.40	1.33	1.51	1.32	1.39	1.81	1.34	1.36	1.11
	EV/Sales	7.74	7.39	5.71	5.52	1.41	2.46	5.90	3.77	4.76	4.09
	EV/FCF	20.80	17.69	14.40	13.69	3.71	5.99	12.04	8.63	13.32	12.21
Cash, $m
Cash, $m	Operating cash flow	125	138	165	208	185	195	274	296	250	221
	Capex	(13)	(1)	(4)	0	(3)	(4)	3	(5)	(5)	(4)
	Free cash flow	112	138	161	208	183	192	277	291	245	217
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)
	Total debt	26	26	26	26	26	14	17	—	500	500
	Net debt	(144)	(137)	(146)	(163)	(1,976)	(1,745)	(196)	(290)	295	111
	Shareholders’ equity	991	1,069	1,851	1,994	2,008	2,082	1,949	2,078	2,186	2,295
Returns, %
Returns, %	ROA	1.28	1.27	1.53	1.82	1.37	1.40	1.45	1.35	1.28	1.35
	ROIC	12.27	12.77	8.33	10.15	486.72	55.20	11.92	11.01	6.80	7.41
	ROE	10.55	10.10	10.38	10.78	8.82	10.35	11.61	10.92	9.35	9.28

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
UCB United Community Banks, Inc.	$4.1B	11.1×	11.3×	+0.18% (above 0%: growing)	+50.79% (above 0%: growing)	+43.32% (above 0%: growing)	72.97%	0.00%	Compare
BMA Macro Bank Inc.	$4.1B	14.0×	15.4×	+4.42% (above 0%: growing)	+17.44% (above 0%: growing)	+198.80% (above 0%: growing)	77.07%	0.00%	Compare
CATY Cathay General Bancorp	$4.0B	11.6×	10.6×	+3.12% (above 0%: growing)	+24.32% (above 0%: growing)	+272.48% (above 0%: growing)	63.72%	0.00%	Compare
TCBI Texas Capital Bancshares, Inc.	$3.9B	11.7×	13.4×	+4.34% (above 0%: growing)	+16.35% (above 0%: growing)	+62.74% (above 0%: growing)	65.14%	0.00%	Compare
WSFS WSFS Financial Corporation	$3.9B	12.8×	11.6×	+1.64% (above 0%: growing)	+28.35% (above 0%: growing)	−141.58% (below 0%: shrinking)	81.45%	0.00%	Compare
CVBF CVB Financial Corporation	$3.8B	15.1×	14.9×	+37.86% (above 0%: growing)	−19.44% (below 0%: shrinking)	+641.25% (above 0%: growing)	81.88%	0.00%
INDB Independent Bank Corp.	$3.7B	14.4×	10.9×	+31.36% (above 0%: growing)	+41.67% (above 0%: growing)	−34.59% (below 0%: shrinking)	76.37%	0.00%	Compare
RNST Renasant Corporation	$3.6B	11.9×	10.9×	−0.15% (below 0%: shrinking)	+9,400.00% (above 0%: growing)	+505.64% (above 0%: growing)	69.95%	0.00%	Compare
BANF BancFirst Corporation	$3.6B	14.5×	15.1×	+5.44% (above 0%: growing)	+5.88% (above 0%: growing)	+13.82% (above 0%: growing)	75.20%	0.00%	Compare
Median of peers	$3.9B	12.3×	11.5×	+3.73%	+26.34%	+53.03%	74.09%	0.00%

All 323 Banks Regional stocks →

CVB Financial Corporation (CVBF) key facts

Concern: CVB Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $648.5 million, down 5.28% from fiscal 2024.
Strength: Net income was $209.3 million, or $1.52 per share (basic), a net margin of 32.1%.
CVB Financial Corporation (CVBF) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, CVBF traded at $21.87, a market capitalization of $3.8 billion.
At that price the stock trades at 15.1× trailing-twelve-month earnings and 5.1× sales; its P/E is higher than 51% of its own readings over the past ten years.
CVB Financial Corporation pays an annual dividend of $0.80 per share, a yield of 3.66%, with a payout ratio of 55.2%.
Return on equity was 9.28% and debt-to-equity 0.17.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.