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Cvb Financial Corp

CVBF Nasdaq State Commercial Banks Financials FY2016–FY2025

Last close · Oct 23, 2026

$22.92

0.6%
Compare
Revenue Total sales reported in the income statement.
$515M
2.7% vs prior year
Efficiency ratio Noninterest expense as a share of revenue. Lower is better for banks.
46.0%
0.5 pts
Net income Profit after all expenses, interest and tax.
$209M
4.3%
Return on equity Net income as a share of average shareholders' equity.
9.3%
0.1 pts
Market cap Last close times the latest diluted share count, so it is approximate.
$3.8B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
15.7x
On $1.46 EPS (TTM)

What Cvb Financial Corp does

No business description yet.

Legal name
CVB FINANCIAL CORP
Fiscal year ends
December 31, 2025
Latest annual report
10-K · Feb 27, 2026
Accession · CIK
0001193125-26-083221
0000354647

Revenue and margins

Cvb Financial Corp had $515M of revenue in fiscal 2025, up 2.7% on the year before.

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

From fiscal 2016 to 2025, diluted EPS grew 5.5% a year. Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

Dividends, buybacks and share count

Cvb Financial Corp returned $192M to shareholders in fiscal 2025, 88% of free cash flow. The diluted share count fell 1.1%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits
Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net $7.8B$9.0B$8.8B——
Deposits $13.0B$12.8B$11.4B$11.9B$12.1B
Loans / deposits 60.3%70.1%77.1%——
Total assets $15.9B$16.5B$16.0B$15.2B$15.6B
Shareholders' equity $2.1B$1.9B$2.1B$2.2B$2.3B
Goodwill $664M$766M$766M$766M$766M
Intangible assets $25.4M$21.7M$15.3M$10.0M$5.8M
Provision / loans 0.3%0.1%0.0%——

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

—

$0.0M

No open-market insider trades in the last 12 months.

10 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $293M $321M $393M $495M $466M $462M $556M $547M $502M $515M
Net interest income $257M $279M $349M $436M $416M $415M $506M $488M $447M $460M
Noninterest income $35.6M $42.1M $43.5M $59.0M $49.9M $47.4M $50.0M $59.3M $54.5M $55.2M
Noninterest expense $137M $141M $180M $199M $193M $190M $217M $230M $234M $237M
Provision for credit losses −$6.4M −$8.5M $1.5M $5.0M $23.5M $25.5M $10.6M $2.0M $3.0M $3.5M
Operating income — — — — — — $0.3M $314M $314M $314M
Interest expense $8.0M $8.3M $12.8M $22.1M $14.3M $6.1M $9.2M $118M — —
Pretax income $162M $189M $211M $291M $250M $298M $328M $315M $271M $282M
Income tax $60.9M $84.4M $59.1M $83.2M $72.4M $85.1M $92.9M $94.0M $70.5M $72.4M
Net income $101M $104M $152M $208M $177M $213M $235M $221M $201M $209M
Net income to common $101M $104M $152M $207M $177M $212M $234M $220M $199M $208M
Diluted EPS $0.94 $0.95 $1.24 $1.48 $1.30 $1.56 $1.67 $1.59 $1.44 $1.52
Diluted shares 0.11B 0.11B 0.12B 0.14B 0.14B 0.14B 0.14B 0.14B 0.14B 0.14B
Cash flow
Cash from operations $125M $138M $165M $208M $185M $195M $274M $296M $250M $221M
Capital expenditure $12.6M $4.9M $4.2M $5.5M $4.7M $4.7M $5.4M $4.5M $5.1M $4.1M
Free cash flow $112M $134M $161M $203M $180M $191M $268M $291M $245M $217M
Depreciation and amortization $5.3M $4.9M $6.5M $6.8M $6.9M $6.4M $6.9M $6.6M $5.9M $4.7M
Stock-based compensation $2.8M $3.0M $3.5M $5.5M $5.5M $5.2M $7.9M $9.4M $10.2M $6.2M
Acquisitions $7.5M −$28.3M $133M $0.0M $0.0M $0.0M −$329M $0.0M $0.0M —
Share buybacks $1.9M $1.1M $7.8M $2.6M $92.8M $8.3M $46.3M $21.2M $2.8M $81.1M
Dividends paid $51.6M $57.0M $66.0M $95.4M $98.5M $97.7M $104M $112M $112M $111M
Dividends and buybacks $53.5M $58.2M $73.7M $98.0M $191M $106M $151M $133M $115M $192M
Balance sheet
Cash and short-term investments $122M $144M $164M $186M $2.0B $1.7B $203M $281M $205M $376M
Total debt — — — $0.0M $5.0M $2.3M $995M $995M — —
Loans, net $4.3B $4.8B $7.7B $7.5B $8.3B $7.8B $9.0B $8.8B — —
Deposits $6.3B $6.5B $8.8B $8.7B $11.7B $13.0B $12.8B $11.4B $11.9B $12.1B
Property and equipment, net $42.1M $46.2M $58.2M $54.0M $51.1M $49.1M $46.7M $44.7M $27.5M $26.5M
Goodwill $89.5M $117M $667M $664M $664M $664M $766M $766M $766M $766M
Intangible assets $5.0M $6.8M $53.8M $43.0M $33.6M $25.4M $21.7M $15.3M $10.0M $5.8M
Total assets $8.1B $8.3B $11.5B $11.3B $14.4B $15.9B $16.5B $16.0B $15.2B $15.6B
Total liabilities $7.1B $7.2B $9.7B $9.3B $12.4B $13.8B $14.5B $13.9B $13.0B $13.3B
Shareholders' equity $991M $1.1B $1.9B $2.0B $2.0B $2.1B $1.9B $2.1B $2.2B $2.3B
Margins
Operating margin — — — — — — 0.1% 57.4% 62.6% 60.9%
EBITDA margin — — — — — — 1.3% 58.6% 63.7% 61.8%
Net margin 34.7% 32.5% 38.7% 42.0% 38.0% 46.0% 42.4% 40.5% 40.0% 40.6%
FCF margin 38.2% 41.6% 41.0% 41.0% 38.7% 41.3% 48.3% 53.2% 48.7% 42.2%
Net interest share of revenue 87.9% 86.9% 88.9% 88.1% 89.3% 89.7% 91.0% 89.2% 89.1% 89.3%
Efficiency ratio 46.7% 43.8% 45.8% 40.2% 41.4% 41.1% 39.0% 42.0% 46.5% 46.0%
Returns
Return on capital — — — — — — 0.0% 7.9% — —
Return on equity 10.2% 10.1% 10.4% 10.8% 8.9% 10.4% 11.7% 11.0% 9.4% 9.3%
Return on assets 1.3% 1.3% 1.5% 1.8% 1.4% 1.4% 1.5% 1.4% 1.3% 1.4%
Return on tangible equity 11.3% 11.0% 13.4% 16.1% 13.5% 15.2% 20.1% 17.0% 14.1% 13.6%
Growth
Revenue growth — 9.7% 22.3% 26.1% −5.8% −0.9% 20.3% −1.5% −8.3% 2.7%
Net income growth — 2.9% 45.6% 36.7% −14.8% 20.0% 10.8% −5.9% −9.4% 4.3%
EPS growth — 1.1% 30.5% 19.4% −12.2% 20.0% 7.1% −4.8% −9.4% 5.6%
FCF growth — 19.3% 20.4% 26.1% −11.0% 5.6% 40.8% 8.5% −16.0% −11.2%
Share count change — 2.0% 11.1% 14.7% −2.7% −0.6% 3.4% −1.1% 0.1% −1.1%
Financial health
Net debt / EBITDA — — — — — — 109.9x 2.2x — —
Debt / equity — — — 0.0x 0.0x 0.0x 0.5x 0.5x — —
Interest coverage — — — — — — 0.0x 2.7x — —
Loans / deposits 68.7% 72.9% 87.2% 86.1% 70.3% 60.3% 70.1% 77.1% — —
Provision / loans −0.1% −0.2% 0.0% 0.1% 0.3% 0.3% 0.1% 0.0% — —
Capital allocation
Capex / revenue 4.3% 1.5% 1.1% 1.1% 1.0% 1.0% 1.0% 0.8% 1.0% 0.8%
Stock comp / revenue 1.0% 0.9% 0.9% 1.1% 1.2% 1.1% 1.4% 1.7% 2.0% 1.2%
Payouts / FCF 47.8% 43.6% 45.9% 48.4% 106.0% 55.7% 56.2% 45.7% 46.9% 88.4%
Quality scores
Piotroski F-score — — — — 4.0 5.0 5.0 5.0 — —
Accruals ratio −0.3% −0.4% −0.1% −0.0% −0.1% 0.1% −0.2% −0.5% −0.3% −0.1%

Source: SEC EDGAR XBRL filings (CIK 0000354647). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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