Cvb Financial (CVBF) Financials
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 Sep 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.
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 (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).
CVB’s balance-sheet-intensive model earns modest asset returns, making funding structure and interest-cost management more important than revenue growth.
Earnings quality remained tightly cash-linked in FY2025: operating cash flow of$221M nearly matched net income of$209M , while free cash flow of$217M stayed close after only$4.1M of capital expenditures. That combination indicates reported profits were not primarily an accrual outcome, although the lower cash conversion from FY2024’s$250M operating cash flow shows some year-to-year softness.
Funding costs drove the earnings shape: interest expense fell to
Leverage eased without making the model asset-light: reported debt-to-equity declined from 5.9x to 5.8x as equity reached
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. 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'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.
Cvb Financial 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 scores 81/100 among other banks.
Cvb Financial 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 scores 12/100 among other banks.
Cvb Financial 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 scores 78/100 among other banks.
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 scores 93/100 on it among other banks.
Not available for Cvb Financial, and counted as zero in the overall score.
Cvb Financial 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 scores 99/100 among other banks.
Cvb Financial 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, 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 $2.36 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
Earnings & Revenue
Cvb Financial 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%.
Cvb Financial 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%.
Cvb Financial 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%.
Not reported for Q2 2026.
Cash & Balance Sheet
Cvb Financial 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%.
Cvb Financial held $1.1B in cash as of Q2 2026; long-term debt is not reported for that period.
Cvb Financial 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.
Margins & Returns
Cvb Financial'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.
Cvb Financial's ROE was 1.5% in Q2 2026, measuring profit generated per dollar of shareholder equity. 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.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Cvb Financial 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%.
Cvb Financial 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%.
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.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | 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% |
| SG&A Expenses | $46.6M+33.1% | $37.5M+2.7% | $37.1M+3.1% | $35.9M-2.1% | $35.0M-1.2% | $36.5M+0.2% | $36.0M+1.0% | $36.6M+5.5% |
| 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, Operating Income, EBITDA.
CVBF Balance Sheet
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.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | 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% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 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, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
CVBF Cash Flow 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.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | 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% | -$7.6M-52.8% | $3.7M-47.3% | $3.9M+347.0% | $4.8M+55.9% | -$5.0M+32.3% | $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% | -$378.3M-867.8% | -$189.2M-141.3% | $84.1M-58.6% | $273.1M+18.2% | -$39.1M-441.0% | $457.9M+182.7% |
| Financing Cash Flow | -$369.0M-609.9% | -$152.8M-1718.3% | -$74.1M+73.9% | $152.9M+116.6% | $72.4M+121.6% | $9.4M-97.4% | -$284.4M-32744.0% | -$920.0M-47.3% |
| 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.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | 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 |
| Debt-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 | 191.6% | 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.
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 CVBF | FY2025 | $515.5M | $209.3M | 40.6% | $4.0B | 61/100 |
| Fb Financia FBK | FY2025 | $560.0M | $122.6M | 21.9% | $2.8B | 42/100 |
| Park National PRK | FY2025 | $664.4M | $180.1M | 27.1% | $3.5B | 77/100 |
| Simmons 1St Natl Corp SFNC | FY2025 | $103.2M | -$379.6M | N/A | $3.4B | 21/100 |
| Bank of Hi Corp BOH | FY2025 | $716.6M | $205.9M | 28.7% | $3.0B | 45/100 |
Where Cvb Financial Ranks
Frequently Asked Questions
What is Cvb Financial's annual revenue?
Cvb Financial (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's revenue growing?
Cvb Financial (CVBF) revenue grew by 2.7% year-over-year, from $501.8M to $515.5M 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 40.6%.
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 60.9% 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 40.6% 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.
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 P/E ratio?
Cvb Financial (CVBF) trades at 19.2x earnings, its market capitalization divided by net income of $206.9M net income, trailing 12 months to June 30, 2026. The market capitalization is $4.0B as of Sep 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Cvb Financial's price-to-sales ratio?
Cvb Financial (CVBF) trades at 6.9x sales, its market capitalization divided by revenue of $574.0M revenue, trailing 12 months to June 30, 2026. The market capitalization is $4.0B as of Sep 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Cvb Financial's Piotroski F-Score?
Cvb Financial (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.
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 2.36x, 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?
Cvb Financial (CVBF) scores 61 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite 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. 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.