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CVBF

CVB Financial Corp.

CVBF

CVB Financial Corp. • NASDAQ
$19.68 ▼ -1.30% (-0.26)
Market Cap $2.71 B
52w High $23.87
52w Low $16.01
Dividend Yield 0.80%
P/E 13.3
Volume 295.55K
Outstanding Shares 137.55M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $163.118M ▲ $58.076M ▲ $52.586M ▲ 32.238% ▲ $0.38 ▲ $72.671M ▲
Q2-2025 $158.953M ▼ $57.557M ▼ $50.564M ▼ 31.811% ▼ $0.36 ▼ $72.653M ▼
Q1-2025 $159.231M ▲ $58.644M ▲ $51.104M ▲ 32.094% ▼ $0.37 ▲ $74.349M ▲
Q4-2024 $144.445M ▼ $42.223M ▼ $50.858M ▼ 35.209% ▲ $0.36 ▼ $72.507M ▼
Q3-2024 $169.408M $50.407M $51.224M 30.237% $0.37 $74.565M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $852.58M ▲ $15.666B ▲ $13.384B ▲ $2.282B ▲
Q2-2025 $807.301M ▲ $15.414B ▲ $13.174B ▲ $2.24B ▲
Q1-2025 $597.264M ▲ $15.257B ▲ $13.028B ▲ $2.228B ▲
Q4-2024 $268.939M ▼ $15.154B ▼ $12.967B ▼ $2.186B ▼
Q3-2024 $2.943B $15.403B $13.205B $2.198B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $50.564M ▼ $53.108M ▲ $84.07M ▼ $72.369M ▲ $209.547M ▼ $52.258M ▲
Q1-2025 $51.104M ▲ $41.878M ▼ $273.07M ▲ $9.443M ▲ $324.391M ▲ $41.199M ▼
Q4-2024 $50.858M ▼ $74.751M ▲ $-39.084M ▼ $-284.429M ▲ $-248.762M ▲ $72.776M ▲
Q3-2024 $51.224M ▲ $71.394M ▲ $457.899M ▲ $-920.027M ▼ $-390.734M ▼ $70.18M ▲
Q2-2024 $50.035M $26.146M $202.898M $-334.439M $-105.395M $24.366M

Revenue by Products

Product Q3-2024Q4-2024Q1-2025Q2-2025
Credit Card
Credit Card
 $0 ▲$0 ▲$0 ▲$0 ▲
Deposit Account
Deposit Account
 $10.00M ▲$10.00M ▲$0 ▼$0 ▲
Fiduciary and Trust
Fiduciary and Trust
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Earnings have been solid and fairly steady over the past five years. Revenue has inched up over time but has softened a bit more recently, likely reflecting pressure on loan yields and funding costs. Profit margins have generally been strong for a regional bank, but net income and earnings per share have slipped from their recent peak, suggesting the bank is now operating in a tougher interest‑rate and competitive environment. Overall, profitability remains healthy, just not as strong as in its best year or two.

Balance Sheet

Balance Sheet The balance sheet looks conservative and reasonably strong. Total assets have been stable, and shareholder equity has trended upward, which points to retained profitability over time. Cash balances are much lower than the unusually high levels seen during the pandemic, which is normalizing liquidity but leaves less of an excess cushion. Borrowings increased compared with several years ago but have been pulled back from their high point, suggesting some balance sheet repositioning. Capitalization appears solid for a regional bank, but the bank is carrying less excess liquidity than during its peak‑cash period.

Cash Flow

Cash Flow Cash generation from the core business has been consistent and gradually improving, and free cash flow closely tracks operating cash flow. The bank spends very little on long‑term physical investments, so most cash can be used for dividends, buybacks, organic growth, or balance sheet management. There are no obvious signs of stress in cash flows; the pattern suggests a stable, cash‑generative franchise with predictable underlying banking activity.

Competitive Edge

Competitive Edge CVB Financial competes as a focused, relationship‑driven business bank in California rather than as a mass‑market or technology‑first institution. Its main edge is long‑term relationships with small and mid‑sized businesses, strong client loyalty, and deep knowledge of local industries, which together help support a stable, low‑cost deposit base. Industry‑specific teams and integrated wealth management give it additional hooks into clients. The flip side is concentration risk in the California economy and dependence on maintaining a high‑touch service culture while larger banks and fintechs push more aggressive digital offerings and pricing.

Innovation and R&D

Innovation and R&D The company is not a heavy R&D spender or a cutting‑edge fintech, but it has made pragmatic investments in digital banking, cash management, and integration tools that fit its relationship model. Its “innovation” is more about service design—industry‑tailored teams, bundled business and personal financial solutions, and responsive relationship managers—than about proprietary technology. The key challenge is to keep enhancing digital channels and analytics fast enough to meet rising client expectations while preserving the personal, high‑service approach that differentiates it. Succession and training for relationship managers are also crucial, since much of the franchise value sits in those people and their client ties.

Summary

CVB Financial presents as a steady, conservatively run regional bank with a long track record, strong client loyalty, and solid profitability. Earnings have been resilient but are off their highs, reflecting a more challenging rate and competitive backdrop. The balance sheet appears sound, with good capital and normalized—though no longer excess—liquidity. Cash flows are stable and strong relative to the bank’s size. Strategically, its edge comes from deep relationships with California businesses, industry specialization, and integrated wealth services, rather than from breakthrough technology. Key watch points include how it manages margin pressure, maintains deposit stability, continues to modernize its digital offerings, and preserves its relationship‑banking culture as it expands and as client expectations evolve.

NEWS

October 23, 2025 · 4:35 PM UTC

CVB Financial Corp. Announces Appointment of New Director

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September 17, 2025 · 4:40 PM UTC

CVB Financial Corp. Announces 144th Consecutive Quarterly Cash Dividend

Read more