Cvb Financial Financials
This page shows Cvb Financial (CVBF) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Cvb Financial has an operating margin of 1613.6%, meaning the company retains $1614 of operating profit per $100 of revenue. This strong profitability earns a score of 100/100, reflecting efficient cost management and pricing power. This is up from 49.8% the prior year.
Cvb Financial's revenue declined 96.9% year-over-year, from $630.1M to $19.5M. This contraction results in a growth score of 0/100.
Cvb Financial has elevated debt relative to equity (D/E of 5.81), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Cvb Financial converts 1116.9% of revenue into free cash flow ($217.3M). This strong cash generation earns a score of 100/100.
Cvb Financial's ROE of 9.1% shows moderate profitability relative to equity, earning a score of 36/100. This is down from 9.2% the prior year.
Cvb Financial passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Cvb Financial generates $1.06 in operating cash flow ($221.4M OCF vs $209.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Cvb Financial earns $2.4 in operating income for every $1 of interest expense ($314.0M vs $133.0M). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.
Key Financial Metrics
Cvb Financial generated $19.5M in revenue in fiscal year 2025. This represents a decrease of 96.9% from the prior year.
Cvb Financial's EBITDA was $318.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 0.4% from the prior year.
Cvb Financial generated $217.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 11.2% from the prior year.
Cvb Financial reported $209.3M in net income in fiscal year 2025. This represents an increase of 4.3% from the prior year.
Cvb Financial earned $1.52 per diluted share (EPS) in fiscal year 2025. This represents an increase of 5.6% from the prior year.
Cvb Financial held $376.4M in cash against $0 in long-term debt as of fiscal year 2025.
Cvb Financial paid $0.80 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.
Cvb Financial had 136M shares outstanding in fiscal year 2025. This represents a decrease of 2.8% from the prior year.
Cvb Financial's operating margin was 1613.6% in fiscal year 2025, reflecting core business profitability. This is up 1563.7 percentage points from the prior year.
Cvb Financial's net profit margin was 1075.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1043.7 percentage points from the prior year.
Cvb Financial's ROE was 9.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.1 percentage points from the prior year.
Cvb Financial spent $81.1M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 2779.5% from the prior year.
Cvb Financial invested $4.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 20.8% from the prior year.
CVBF Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $150.1M+4.1% | $144.2M+0.8% | $143.0M-3.1% | $147.6M-11.0% | $165.8M+4.2% | $159.1M+0.9% | $157.7M-0.2% | $158.1M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $34.5M+5.9% | $32.6M+0.1% | $32.6M-12.4% | $37.2M-28.7% | $52.1M+8.1% | $48.2M+6.6% | $45.2M+16.8% | $38.7M |
| Income Tax | $16.4M-9.9% | $18.2M-1.1% | $18.4M+7.2% | $17.2M+4.8% | $16.4M-12.5% | $18.7M+2.9% | $18.2M-30.2% | $26.1M |
| Net Income | $52.6M+4.0% | $50.6M-1.1% | $51.1M+0.5% | $50.9M-0.7% | $51.2M+2.4% | $50.0M+3.0% | $48.6M+0.2% | $48.5M |
| EPS (Diluted) | $0.38+2.7% | $0.37+2.8% | $0.36-2.7% | $0.370.0% | $0.37+2.8% | $0.36+2.9% | $0.35+118.7% | $0.16 |
CVBF Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $15.7B+1.6% | $15.4B+1.0% | $15.3B+0.7% | $15.2B-1.6% | $15.4B-4.6% | $16.2B-1.9% | $16.5B+2.8% | $16.0B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $783.9M+6.1% | $738.6M+39.6% | $529.1M+158.5% | $204.7M-54.9% | $453.5M-46.3% | $844.2M-11.1% | $949.6M+237.6% | $281.3M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $765.8M0.0% | $765.8M0.0% | $765.8M0.0% | $765.8M0.0% | $765.8M0.0% | $765.8M0.0% | $765.8M0.0% | $765.8M |
| Total Liabilities | $13.4B+1.6% | $13.2B+1.1% | $13.0B+0.5% | $13.0B-1.8% | $13.2B-5.9% | $14.0B-2.4% | $14.4B+3.1% | $13.9B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $2.3B+1.9% | $2.2B+0.5% | $2.2B+1.9% | $2.2B-0.5% | $2.2B+4.0% | $2.1B+1.2% | $2.1B+0.4% | $2.1B |
| Retained Earnings | $1.3B+2.0% | $1.2B+1.9% | $1.2B+1.9% | $1.2B+1.9% | $1.2B+2.0% | $1.2B+1.9% | $1.1B+1.9% | $1.1B |
CVBF Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $81.5M+53.5% | $53.1M+26.8% | $41.9M-44.0% | $74.8M+4.7% | $71.4M+173.1% | $26.1M-66.3% | $77.5M+59.1% | $48.7M |
| Capital Expenditures | $836K-1.6% | $850K+25.2% | $679K-65.6% | $2.0M+62.7% | $1.2M-31.8% | $1.8M+972.3% | $166K-89.9% | $1.6M |
| Free Cash Flow | $80.7M+54.4% | $52.3M+26.8% | $41.2M-43.4% | $72.8M+3.7% | $70.2M+188.0% | $24.4M-68.5% | $77.3M+64.3% | $47.0M |
| Investing Cash Flow | -$189.2M-325.0% | $84.1M-69.2% | $273.1M+798.7% | -$39.1M-108.5% | $457.9M+125.7% | $202.9M-12.2% | $231.0M+3297.7% | -$7.2M |
| Financing Cash Flow | $152.9M+111.3% | $72.4M+666.4% | $9.4M+103.3% | -$284.4M+69.1% | -$920.0M-175.1% | -$334.4M-193.0% | $359.8M+41647.0% | -$866K |
| Dividends Paid | $27.6M-1.5% | $28.0M+0.2% | $27.9M0.0% | $27.9M0.0% | $27.9M0.0% | $27.9M-0.4% | $28.0M+0.6% | $27.9M |
| Share Buybacks | $6.1M-72.8% | $22.5M+20.6% | $18.7M+9582.4% | $193K+543.3% | $30K+42.9% | $21K-99.2% | $2.6M+8476.7% | $30K |
CVBF Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 35.0%-0.0pp | 35.1%-0.7pp | 35.7%+1.3pp | 34.5%+3.6pp | 30.9%-0.6pp | 31.4%+0.6pp | 30.8%+0.1pp | 30.7% |
| Return on Equity | 2.3%+0.0pp | 2.3%-0.0pp | 2.3%-0.0pp | 2.3%0.0pp | 2.3%-0.0pp | 2.4%+0.0pp | 2.3%0.0pp | 2.3% |
| Return on Assets | 0.3%0.0pp | 0.3%0.0pp | 0.3%0.0pp | 0.3%0.0pp | 0.3%+0.0pp | 0.3%0.0pp | 0.3%0.0pp | 0.3% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 5.86-0.0 | 5.88+0.0 | 5.85-0.1 | 5.93-0.1 | 6.01-0.6 | 6.65-0.2 | 6.89+0.2 | 6.71 |
| FCF Margin | 53.8%+17.5pp | 36.2%+7.4pp | 28.8%-20.5pp | 49.3%+7.0pp | 42.3%+27.0pp | 15.3%-33.7pp | 49.0%+19.3pp | 29.8% |
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Frequently Asked Questions
What is Cvb Financial's annual revenue?
Cvb Financial (CVBF) reported $19.5M in total revenue for fiscal year 2025. This represents a -96.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Cvb Financial's revenue growing?
Cvb Financial (CVBF) revenue declined by 96.9% year-over-year, from $630.1M to $19.5M in fiscal year 2025.
Is Cvb Financial profitable?
Yes, Cvb Financial (CVBF) reported a net income of $209.3M in fiscal year 2025, with a net profit margin of 1075.5%.
What is Cvb Financial's earnings per share (EPS)?
Cvb Financial (CVBF) reported diluted earnings per share of $1.52 for fiscal year 2025. This represents a 5.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Cvb Financial's EBITDA?
Cvb Financial (CVBF) had EBITDA of $318.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
What is Cvb Financial's operating margin?
Cvb Financial (CVBF) had an operating margin of 1613.6% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Cvb Financial's net profit margin?
Cvb Financial (CVBF) had a net profit margin of 1075.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Cvb Financial pay dividends?
Yes, Cvb Financial (CVBF) paid $0.80 per share in dividends during fiscal year 2025.
What is Cvb Financial's return on equity (ROE)?
Cvb Financial (CVBF) has a return on equity of 9.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Cvb Financial's free cash flow?
Cvb Financial (CVBF) generated $217.3M in free cash flow during fiscal year 2025. This represents a -11.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Cvb Financial's operating cash flow?
Cvb Financial (CVBF) generated $221.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Cvb Financial's total assets?
Cvb Financial (CVBF) had $15.6B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Cvb Financial's capital expenditures?
Cvb Financial (CVBF) invested $4.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Does Cvb Financial buy back shares?
Yes, Cvb Financial (CVBF) spent $81.1M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
How many shares does Cvb Financial have outstanding?
Cvb Financial (CVBF) had 136M shares outstanding as of fiscal year 2025.
What is Cvb Financial's debt-to-equity ratio?
Cvb Financial (CVBF) had a debt-to-equity ratio of 5.81 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Cvb Financial's return on assets (ROA)?
Cvb Financial (CVBF) had a return on assets of 1.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Cvb Financial's Piotroski F-Score?
Cvb Financial (CVBF) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Cvb Financial's earnings high quality?
Cvb Financial (CVBF) has an earnings quality ratio of 1.06x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Cvb Financial cover its interest payments?
Cvb Financial (CVBF) has an interest coverage ratio of 2.4x, meaning it can adequately cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Cvb Financial?
Cvb Financial (CVBF) scores 47 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.