What is CVB Financial Corp's earnings per share (EPS)?

CVB Financial Corp (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.

CVB Financial Corp (CVBF) Financials

CVBF

Trailing 12 months to June 30, 2026

Revenue $574.0M +14.1% YoY

Net Income $206.9M +1.5% YoY

EPS (Diluted) $1.46 -0.7% YoY

Free Cash Flow $572.5M +142.2% YoY

Market Cap $4.0B as of Oct 23, 2026

Price / Sales 7.0x on $574.0M revenue, trailing 12 months to June 30, 2026

Price / Earnings 19.4x on $206.9M net income, trailing 12 months to June 30, 2026

Price / Book 1.3x on $3.2B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 23, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CVBF SEC filings page.

CVB Financial Corp (CVBF) reported $574.0M in revenue over the twelve months to Jun 30, 2026, up 14.1% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI CVBF FY2025 2026-10-22

CVB Financial remains highly liability-funded, while FY2025 earnings improved modestly but cash generation weakened and equity continued rebuilding.

Revenue rose 2.7% while operating cash flow fell 11.4% in FY2025, indicating growth did not translate into cash. That divergence is reinforced by free cash flow's 6.6 percentage-point margin contraction despite a 0.6 percentage-point net-margin improvement, pointing to weaker cash conversion rather than broad earnings deterioration.

Liabilities equal 85.3% of assets and total liabilities are 5.8x equity, defining a liability-heavy funding structure. Equity grew 5.0% in FY2025 while the liability-to-equity ratio fell from 6.6x in FY2021, showing gradual balance-sheet strengthening rather than a wholesale change in financing.

Capital expenditures were just 0.8% of revenue and 1.8% of operating cash flow, so reported reinvestment is not the main drain on cash. Yet free cash flow fell from $245M to $217M as buybacks rose sharply, making distributions a larger competing use of weaker internally generated cash.

Financial Health Signals

Financial Health Score (5 of 6 dimensions) 72/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 5 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of CVB Financial Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

CVB Financial Corp earned a return on assets of 1.3% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is unchanged from the prior year. Earnings ranks banks on that return over three years, and CVB Financial Corp scores 81/100 among other banks.

Growth

CVB Financial Corp reported revenue of $515.5M in fiscal year 2025, against $501.8M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and CVB Financial Corp scores 11/100 among other banks.

Capital

CVB Financial Corp funded 14.7% of its assets with shareholders' equity at the end of fiscal year 2025, holding $2.3B of equity against $15.6B of assets. Capital ranks banks on that cushion, and CVB Financial Corp scores 79/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. CVB Financial Corp scores 92/100 on it among other banks.

Credit Quality

n/a

Not available for CVB Financial Corp, so it is left out of the overall score, which averages the 5 of 6 dimensions that can be computed.

Stability

CVB Financial Corp reported net income of $209.3M in fiscal year 2025, against $200.7M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and CVB Financial Corp scores 99/100 among other banks.

Piotroski F-Score Partial

5/6

CVB Financial Corp passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) does not pass.

Interest Coverage Adequate

2.36x

CVB Financial Corp earns $2.36 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

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Earnings & Revenue

Revenue

$179.4M

YoY+42.0%

QoQ+35.8%

5Y CAGR+9.1%

10Y CAGR+9.1%

CVB Financial Corp generated $179.4M in revenue in Q2 2026. This represents an increase of 42.0% from the same quarter a year earlier. Against the prior quarter it is up 35.8%.

Net Income

$48.3M

YoY-4.6%

QoQ-5.4%

5Y CAGR-1.2%

10Y CAGR+6.6%

CVB Financial Corp reported $48.3M in net income in Q2 2026. This represents a decrease of 4.6% from the same quarter a year earlier. Against the prior quarter it is down 5.4%.

EPS (Diluted)

$0.29

YoY-21.6%

QoQ-23.7%

5Y CAGR-5.3%

10Y CAGR+2.3%

CVB Financial Corp earned $0.29 per diluted share (EPS) in Q2 2026. This represents a decrease of 21.6% from the same quarter a year earlier. Against the prior quarter it is down 23.7%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$387.4M

YoY+641.3%

QoQ+532.5%

5Y CAGR+77.3%

10Y CAGR+30.9%

CVB Financial Corp generated $387.4M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 641.3% from the same quarter a year earlier. Against the prior quarter it is up 532.5%.

Cash & Debt

$1.1B

YoY+49.5%

QoQ+144.1%

5Y CAGR-13.9%

10Y CAGR+4.7%

CVB Financial Corp held $1.1B in cash as of Q2 2026; no long-term debt figure is on record for that period.

Dividends Per Share

$0.20

YoY0.0%

QoQ0.0%

5Y CAGR+2.1%

10Y CAGR+5.2%

CVB Financial Corp paid $0.20 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

176M

YoY+27.7%

QoQ-0.3%

5Y CAGR+5.3%

10Y CAGR+5.0%

CVB Financial Corp had 176M shares outstanding in Q2 2026. This represents an increase of 27.7% from the same quarter a year earlier. Against the prior quarter it is down 0.3%.

Margins & Returns

Net Margin

26.9%

YoY-13.1pp

QoQ-11.7pp

5Y change-17.1pp

10Y change-7.0pp

CVB Financial Corp's net profit margin was 26.9% in Q2 2026, showing the share of revenue converted to profit. This is down 13.1 percentage points from the same quarter a year earlier. Against the prior quarter it is down 11.7 percentage points.

Return on Equity

1.5%

YoY-0.7pp

QoQ-0.7pp

5Y change-1.0pp

10Y change-1.1pp

CVB Financial Corp's quarterly ROE was 1.5% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is down 0.7 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.7 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$2.1M

YoY-90.9%

QoQ-33.3%

5Y CAGR+129.9%

10Y CAGR+62.5%

CVB Financial Corp spent $2.1M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 90.9% from the same quarter a year earlier. Against the prior quarter it is down 33.3%.

Capital Expenditures

$780K

YoY-8.2%

QoQ-31.9%

5Y CAGR-13.8%

10Y CAGR-3.7%

CVB Financial Corp invested $780K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 8.2% from the same quarter a year earlier. Against the prior quarter it is down 31.9%.

R&D Spending

Not reported for Q2 2026.

CVBF Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CVBF quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$574.0M	$515.5M+2.7%	$501.8M-8.3%	$547.3M-1.5%	$555.5M+20.3%	$461.9M-0.9%	$465.9M-5.8%	$494.8M+26.1%	$392.5M+22.3%	$321.0M+9.7%	$292.6M+2.2%	$286.4M+4.9%	$272.9M+13.0%	$241.6M-4.5%	$252.9M-6.0%	$268.9M
Operating Income	N/A	$314.0M0.0%	$314.0M0.0%	$314.0M+104566.7%	$300K	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
EBITDA	N/A	$318.7M-0.4%	$319.9M-0.2%	$320.6M+4352.8%	$7.2M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$138.8M	$133.0M-27.2%	$182.8M+54.4%	$118.3M+1192.6%	$9.2M+50.6%	$6.1M-57.4%	$14.3M-35.3%	$22.1M+72.3%	$12.8M+54.5%	$8.3M+4.0%	$8.0M-6.9%	$8.6M-47.7%	$16.4M-0.7%	$16.5M-34.7%	$25.3M-27.9%	$35.0M
Income Tax	$70.1M	$72.4M+2.7%	$70.5M-25.0%	$94.0M+1.2%	$92.9M+9.2%	$85.1M+17.6%	$72.4M-13.1%	$83.2M+40.8%	$59.1M-29.9%	$84.4M+38.7%	$60.9M+16.5%	$52.2M-11.2%	$58.8M+20.8%	$48.7M+30.1%	$37.4M-4.2%	$39.1M
Net Income	$206.9M	$209.3M+4.3%	$200.7M-9.4%	$221.4M-5.9%	$235.4M+10.8%	$212.5M+20.0%	$177.2M-14.8%	$207.8M+36.7%	$152.0M+45.6%	$104.4M+2.9%	$101.4M+2.3%	$99.1M-4.7%	$104.0M+8.8%	$95.6M+23.7%	$77.3M-5.4%	$81.7M
EPS (Basic)	N/A	$1.52+5.6%	$1.44-9.4%	$1.59-4.8%	$1.67+6.4%	$1.57+20.8%	$1.30-12.2%	$1.48+18.4%	$1.25+31.6%	$0.95+1.1%	$0.94+1.1%	$0.93-5.1%	$0.98+7.7%	$0.91+23.0%	$0.74-3.9%	$0.77
EPS (Diluted)	$1.46	$1.52+5.6%	$1.44-9.4%	$1.59-4.8%	$1.67+7.1%	$1.56+20.0%	$1.30-12.2%	$1.48+19.4%	$1.24+30.5%	$0.95+1.1%	$0.94+1.1%	$0.93-5.1%	$0.98+7.7%	$0.91+23.0%	$0.74-3.9%	$0.77
Diluted Shares (Avg)	N/A	137M-1.1%	139M+0.1%	138M-1.1%	140M+3.4%	135M-0.6%	136M-2.7%	140M+14.7%	122M+11.1%	110M+2.0%	108M+1.4%	106M+0.4%	106M+0.6%	105M+0.4%	105M-0.5%	105M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$179.4M+42.0%	$132.1M+4.3%	$133.8M+8.4%	$128.6M+1.7%	$126.4M+0.9%	$126.7M+0.1%	$123.5M-10.8%	$126.5M-8.2%
Interest Expense	$39.7M+21.8%	$31.3M-4.0%	$33.3M-10.4%	$34.5M-33.8%	$32.6M-32.4%	$32.6M-28.0%	$37.2M-4.0%	$52.1M+58.7%
Income Tax	$16.8M-7.9%	$17.5M-4.8%	$19.3M+12.4%	$16.4M+0.2%	$18.2M-2.7%	$18.4M+1.2%	$17.2M-34.1%	$16.4M-27.9%
Net Income	$48.3M-4.6%	$51.0M-0.2%	$55.0M+8.2%	$52.6M+2.7%	$50.6M+1.1%	$51.1M+5.2%	$50.9M+4.8%	$51.2M-11.5%
EPS (Basic)	$0.29-21.6%	$0.38+2.7%	$0.40+8.1%	$0.38+2.7%	$0.37+2.8%	$0.37+5.7%	$0.37+5.7%	$0.37-11.9%
EPS (Diluted)	$0.29-21.6%	$0.38+5.6%	$0.41+10.8%	$0.38+2.7%	$0.37+2.8%	$0.36+2.9%	$0.37+5.7%	$0.37-11.9%
Diluted Shares (Avg)	167M+21.9%	135M-3.1%	N/A	137M-1.2%	137M-1.1%	139M+0.5%	N/A	139M+0.3%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.

CVBF Balance Sheet

CVBF quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$15.6B+3.2%	$15.2B-5.4%	$16.0B-2.8%	$16.5B+3.7%	$15.9B+10.2%	$14.4B+27.8%	$11.3B-2.1%	$11.5B+39.4%	$8.3B+2.4%	$8.1B+5.2%	$7.7B+4.0%	$7.4B+10.7%	$6.7B+4.7%	$6.4B-1.8%	$6.5B
Cash & Equivalents	$376.4M+83.9%	$204.7M-27.2%	$281.3M+38.3%	$203.5M-88.3%	$1.7B-11.5%	$2.0B+955.5%	$185.5M+13.2%	$163.9M+13.6%	$144.4M+18.7%	$121.6M+14.6%	$106.1M+0.3%	$105.8M+11.7%	$94.7M-3.8%	$98.4M-71.5%	$345.3M
Goodwill	$765.8M0.0%	$765.8M0.0%	$765.8M0.0%	$765.8M+15.4%	$663.7M0.0%	$663.7M0.0%	$663.7M-0.4%	$666.5M+471.8%	$116.6M+30.2%	$89.5M+20.6%	$74.2M0.0%	$74.2M+34.8%	$55.1M0.0%	$55.1M0.0%	$55.1M
Total Liabilities	$13.3B+2.8%	$13.0B-7.0%	$13.9B-4.0%	$14.5B+5.3%	$13.8B+11.2%	$12.4B+33.6%	$9.3B-4.0%	$9.7B+34.4%	$7.2B+1.7%	$7.1B+5.0%	$6.7B+3.8%	$6.5B+10.3%	$5.9B+5.2%	$5.6B-2.9%	$5.8B
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$200.0M-55.6%	$450.0M
Total Equity	$2.3B+5.0%	$2.2B+5.2%	$2.1B+6.6%	$1.9B-6.4%	$2.1B+3.7%	$2.0B+0.7%	$2.0B+7.7%	$1.9B+73.1%	$1.1B+7.9%	$990.9M+7.3%	$923.4M+5.2%	$878.1M+13.8%	$771.9M+1.2%	$763.0M+6.7%	$714.8M
Retained Earnings	$1.3B+8.2%	$1.2B+8.0%	$1.1B+10.9%	$1.0B+14.5%	$875.6M+15.1%	$760.9M+11.5%	$682.7M+18.6%	$575.8M+16.5%	$494.4M+10.0%	$449.5M+12.4%	$399.9M+13.7%	$351.8M+21.3%	$290.1M+23.5%	$235.0M+21.5%	$193.4M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$21.2B+37.4%	$15.5B+1.6%	$15.6B+3.2%	$15.7B+1.7%	$15.4B-4.6%	$15.3B-7.4%	$15.2B-5.4%	$15.4B-3.1%
Cash & Equivalents	$1.1B+49.5%	$452.4M-14.5%	$376.4M+83.9%	$783.9M+72.9%	$738.6M-12.5%	$529.1M-44.3%	$204.7M-27.2%	$453.5M+88.4%
Goodwill	$1.1B+43.6%	$765.8M0.0%	$765.8M0.0%	$765.8M0.0%	$765.8M0.0%	$765.8M0.0%	$765.8M0.0%	$765.8M0.0%
Total Liabilities	$18.0B+36.7%	$13.2B+1.2%	$13.3B+2.8%	$13.4B+1.4%	$13.2B-6.2%	$13.0B-9.4%	$13.0B-7.0%	$13.2B-5.3%
Total Equity	$3.2B+41.5%	$2.3B+4.2%	$2.3B+5.0%	$2.3B+3.8%	$2.2B+6.1%	$2.2B+6.8%	$2.2B+5.2%	$2.2B+12.6%
Retained Earnings	$1.3B+7.2%	$1.3B+8.1%	$1.3B+8.2%	$1.3B+8.0%	$1.2B+8.0%	$1.2B+8.1%	$1.2B+8.0%	$1.2B+7.9%

Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

CVBF Cash Flow Statement

CVBF quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$577.0M	$221.4M-11.4%	$249.8M-15.5%	$295.6M+8.0%	$273.7M+40.2%	$195.2M+5.5%	$185.1M-11.1%	$208.2M+26.2%	$165.0M+19.2%	$138.4M+11.1%	$124.5M+17.9%	$105.6M+20.5%	$87.7M-21.6%	$111.8M-27.8%	$154.8M+19.0%	$130.0M
Depreciation & Amortization	N/A	$4.7M-20.3%	$5.9M-10.6%	$6.6M-4.3%	$6.9M+7.8%	$6.4M-7.2%	$6.9M+1.5%	$6.8M+4.6%	$6.5M+32.7%	$4.9M-8.0%	$5.3Mn/m	-$1.5M-363.7%	$559K-77.2%	$2.4M-67.5%	$7.5M-21.9%	$9.6M
Stock-Based Compensation	N/A	$6.2M-39.3%	$10.2M+8.4%	$9.4M+19.5%	$7.9M+52.4%	$5.2M-6.3%	$5.5M-0.3%	$5.5M+58.2%	$3.5M+18.8%	$3.0M+5.4%	$2.8M+2.6%	$2.7M-8.5%	$3.0M+55.1%	$1.9M-5.5%	$2.0M-7.9%	$2.2M
Capital Expenditures	$4.5M	$4.1M-20.8%	$5.1M+13.6%	$4.5M-15.6%	$5.4M+14.6%	$4.7M+0.1%	$4.7M-15.4%	$5.5M+31.7%	$4.2M-14.3%	$4.9M-61.2%	$12.6M+575.0%	$1.9M-1.3%	$1.9M-21.8%	$2.4M-43.3%	$4.3M+154.8%	$1.7M
Free Cash Flow	$572.5M	$217.3M-11.2%	$244.6M-16.0%	$291.1M+8.5%	$268.4M+40.8%	$190.6M+5.6%	$180.4M-11.0%	$202.7M+26.1%	$160.8M+20.4%	$133.5M+19.3%	$111.9M+7.8%	$103.8M+20.9%	$85.8M-21.6%	$109.4M-27.3%	$150.5M+17.3%	$128.3M
Investing Cash Flow	$231.8M	-$210.3M-124.7%	$852.7M+59.0%	$536.3Mn/m	-$1.2Bn/m	-$1.7Bn/m	-$1.3B-490.0%	$325.3M-59.9%	$811.1M+479.2%	$140.0Mn/m	-$154.0M	N/A	N/A	-$378.5Mn/m	-$221.1Mn/m	-$86.7M
Financing Cash Flow	-$443.0M	$160.6Mn/m	-$1.2Bn/m	-$754.1Mn/m	-$625.9M-147.8%	$1.3B-54.1%	$2.9Bn/m	-$511.9Mn/m	-$956.5Mn/m	-$255.7M-668.0%	$45.0M	N/A	N/A	$262.9Mn/m	-$180.6Mn/m	-$102.3M
Dividends Paid	$109.5M	$111.0M-0.8%	$111.8M+0.1%	$111.7M+6.9%	$104.4M+6.9%	$97.7M-0.8%	$98.5M+3.3%	$95.4M+44.5%	$66.0M+15.6%	$57.0M+10.5%	$51.6M+5.7%	$48.9M+15.5%	$42.3M+41.3%	$29.9M-32.8%	$44.6M+24.4%	$35.8M
Share Buybacks	$45.0M	$81.1M+2779.5%	$2.8M-86.7%	$21.2M-54.2%	$46.3M+455.7%	$8.3M-91.0%	$92.8M+3414.1%	$2.6M-66.0%	$7.8M+587.9%	$1.1M-40.8%	$1.9M+128.7%	$834K-84.8%	$5.5M+879.2%	$559K+935.2%	$54K-99.6%	$12.5M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$388.1M+630.9%	$62.4M+49.0%	$44.9M-40.0%	$81.5M+14.2%	$53.1M+103.1%	$41.9M-45.9%	$74.8M+53.6%	$71.4M-15.9%
Depreciation & Amortization	$4.0M+4.6%	$4.5M-6.0%	-$7.6Mn/m	$3.7M-47.3%	$3.9M+347.0%	$4.8M+55.9%	-$5.0Mn/m	$6.9M+23.0%
Stock-Based Compensation	N/A	$2.2M-13.8%	N/A	N/A	N/A	$2.5M+5.7%	N/A	N/A
Capital Expenditures	$780K-8.2%	$1.1M+68.6%	$1.7M-13.8%	$836K-31.1%	$850K-52.2%	$679K+309.0%	$2.0M+20.4%	$1.2M+128.6%
Free Cash Flow	$387.4M+641.3%	$61.2M+48.7%	$43.2M-40.7%	$80.7M+15.0%	$52.3M+114.5%	$41.2M-46.7%	$72.8M+54.7%	$70.2M-16.8%
Investing Cash Flow	$632.8M+652.7%	$166.4M-39.1%	-$378.3Mn/m	-$189.2M-141.3%	$84.1M-58.6%	$273.1M+18.2%	-$39.1Mn/m	$457.9M+182.7%
Financing Cash Flow	-$369.0M-609.9%	-$152.8M-1718.3%	-$74.1Mn/m	$152.9Mn/m	$72.4Mn/m	$9.4M-97.4%	-$284.4Mn/m	-$920.0Mn/m
Dividends Paid	$27.3M-2.3%	$27.1M-3.0%	$27.5M-1.6%	$27.6M-1.3%	$28.0M+0.2%	$27.9M-0.3%	$27.9M+0.2%	$27.9M+0.2%
Share Buybacks	$2.1M-90.9%	$3.1M-83.5%	$33.8M+17390.7%	$6.1M+20326.7%	$22.5M+107252.4%	$18.7M+626.3%	$193K+543.3%	$30K-77.8%

CVBF Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CVBF quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Margin	60.9%-1.7pp	62.6%+5.2pp	57.4%+57.3pp	0.1%	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	40.6%+0.6pp	40.0%-0.5pp	40.5%-1.9pp	42.4%-3.6pp	46.0%+8.0pp	38.0%-4.0pp	42.0%+3.3pp	38.7%+6.2pp	32.5%-2.1pp	34.7%+0.1pp	34.6%-3.5pp	38.1%-1.5pp	39.6%+9.0pp	30.6%+0.2pp	30.4%
Return on Equity	9.1%-0.1pp	9.2%-1.5pp	10.7%-1.4pp	12.1%+1.9pp	10.2%+1.4pp	8.8%-1.6pp	10.4%+2.2pp	8.2%-1.6pp	9.8%-0.5pp	10.2%-0.5pp	10.7%-1.1pp	11.8%-0.5pp	12.4%+2.3pp	10.1%-1.3pp	11.4%
Return on Assets	1.3%0.0pp	1.3%-0.1pp	1.4%-0.1pp	1.4%+0.1pp	1.3%+0.1pp	1.2%-0.6pp	1.8%+0.5pp	1.3%+0.1pp	1.3%0.0pp	1.3%0.0pp	1.3%-0.1pp	1.4%0.0pp	1.4%+0.2pp	1.2%-0.1pp	1.3%
Debt-to-Equity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	0.26-0.4x	0.63
Liabilities-to-Equity	5.81-0.1x	5.93-0.8x	6.71-0.7x	7.46+0.8x	6.63+0.4x	6.18+1.5x	4.66-0.6x	5.23-1.5x	6.73-0.4x	7.15-0.2x	7.31-0.1x	7.40-0.2x	7.63+0.3x	7.34-0.7x	8.07
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	42.2%-6.6pp	48.8%-4.4pp	53.2%+4.9pp	48.3%+7.1pp	41.3%+2.5pp	38.7%-2.2pp	41.0%0.0pp	40.9%-0.6pp	41.6%+3.3pp	38.3%+2.0pp	36.2%+4.8pp	31.4%-13.9pp	45.3%-14.2pp	59.5%+11.8pp	47.7%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	26.9%-13.1pp	38.6%-1.7pp	41.1%-0.1pp	40.9%+0.4pp	40.0%+0.1pp	40.3%+1.9pp	41.2%+6.2pp	40.5%-1.5pp
Return on Equity	1.5%-0.7pp	2.2%-0.1pp	2.4%+0.1pp	2.3%0.0pp	2.3%-0.1pp	2.3%0.0pp	2.3%0.0pp	2.3%-0.6pp
Return on Assets	0.2%-0.1pp	0.3%0.0pp	0.4%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp
Liabilities-to-Equity	5.68-0.2x	5.68-0.2x	5.81-0.1x	5.86-0.1x	5.88-0.8x	5.85-1.0x	5.93-0.8x	6.01-1.1x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	215.9%	46.4%+13.8pp	32.3%-26.7pp	62.8%+7.3pp	41.4%+21.9pp	32.5%-28.6pp	58.9%+25.0pp	55.5%-5.7pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
CVB Financial Corp CVBF	FY2025	$515.5M	$209.3M	40.6%	$4.0B	72/100
FB Financial Corporation FBK	FY2025	$560.0M	$122.6M	21.9%	$2.6B	51/100
Park National Corporation PRK	FY2025	$664.4M	$180.1M	27.1%	$3.3B	76/100
Simmons First National Corp SFNC	FY2025	$103.2M	-$397.6M	N/A	$3.4B	21/100
Bank of Hawaii Corp. BOH	FY2025	$716.6M	$205.9M	28.7%	$2.8B	45/100

Where CVB Financial Corp Ranks

Frequently Asked Questions

What is CVB Financial Corp's annual revenue?

CVB Financial Corp (CVBF) reported $515.5M in total revenue for fiscal year 2025. This represents a 2.7% 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 Corp's revenue growing?

CVB Financial Corp (CVBF) revenue grew by 2.7% year-over-year, from $501.8M to $515.5M in fiscal year 2025.

Is CVB Financial Corp profitable?

Yes, CVB Financial Corp (CVBF) reported a net income of $206.9M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $209.3M, with a net profit margin of 40.6%.

What is CVB Financial Corp's EBITDA?

CVB Financial Corp (CVBF) had EBITDA of $318.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

What is CVB Financial Corp's operating margin?

CVB Financial Corp (CVBF) had an operating margin of 60.9% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is CVB Financial Corp's net profit margin?

CVB Financial Corp (CVBF) had a net profit margin of 40.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does CVB Financial Corp pay dividends?

Yes, CVB Financial Corp (CVBF) paid $0.80 per share in dividends during fiscal year 2025.

What is CVB Financial Corp's return on equity (ROE)?

CVB Financial Corp (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 Corp's free cash flow?

CVB Financial Corp (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 Corp's operating cash flow?

CVB Financial Corp (CVBF) generated $221.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are CVB Financial Corp's total assets?

CVB Financial Corp (CVBF) had $15.6B in total assets as of fiscal year 2025, including both current and long-term assets.

What are CVB Financial Corp's capital expenditures?

CVB Financial Corp (CVBF) invested $4.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does CVB Financial Corp buy back shares?

Yes, CVB Financial Corp (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 Corp have outstanding?

CVB Financial Corp (CVBF) had 136M shares outstanding as of fiscal year 2025.

What is CVB Financial Corp's liabilities-to-equity ratio?

CVB Financial Corp (CVBF) had a liabilities-to-equity ratio of 5.81 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.

What is CVB Financial Corp's return on assets (ROA)?

CVB Financial Corp (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 Corp's P/E ratio?

CVB Financial Corp (CVBF) trades at 19.4x earnings, its market capitalization divided by $206.9M net income, trailing 12 months to June 30, 2026. The market capitalization is $4.0B as of Oct 23, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is CVB Financial Corp's price-to-sales ratio?

CVB Financial Corp (CVBF) trades at 7.0x sales, its market capitalization divided by $574.0M revenue, trailing 12 months to June 30, 2026. The market capitalization is $4.0B as of Oct 23, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is CVB Financial Corp's Piotroski F-Score?

CVB Financial Corp (CVBF) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Can CVB Financial Corp cover its interest payments?

CVB Financial Corp (CVBF) has an interest coverage ratio of 2.36x, 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 Corp?

CVB Financial Corp (CVBF) scores 72 out of 100 on our Financial Health Score, indicating strong standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For CVB Financial Corp it averages the 5 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.