Cvb Financial Corp
CVBF Nasdaq· State Commercial Banks
Last close · Oct 27, 2026
$22.81
KIRA · Stoqly’s AI analyst, in plain words
- Cvb Financial Corp had $515M of revenue in fiscal 2025, up 2.7% on the year before. Over five years, revenue changed +2.0% a year on average.
- Cvb Financial Corp made $209M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 5.5% a year.
- Cvb Financial Corp returned $192M to shareholders in fiscal 2025, 88% of free cash flow. The diluted share count fell 1.1%.
- It earned 9.3% on shareholders’ money. Running costs took 46.0% of revenue (the efficiency ratio; lower is better).
Market cap
$3.8B
P/E
15.6x
Revenue
$515M
Net income
$209M
Return on equity
9.3%
Efficiency ratio
46.0%
Cvb Financial Corp in 30 seconds · fiscal 2025
Are sales growing?
+2.7%
Only a little. Sales grew 2.7% last year.
Does it make a profit?
40.6%
Yes. It keeps 40.6% of every sale as profit.
How lean are its costs?
46.0%
Lean. Running costs take 46.0% of revenue.
How much does it earn on its capital?
9.3%
Fair. It earns 9.3% a year on shareholders’ money.
How is the share priced?
15.6x
One share costs 15.6 times its yearly profit per share.
What Cvb Financial Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- CVB FINANCIAL CORP
- CIK
- 0000354647
Cvb Financial Corp · CVBF
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $462M | $556M | $547M | $502M | $515M |
| Revenue growth | −0.9% | 20.3% | −1.5% | −8.3% | 2.7% |
| Net interest income | $415M | $506M | $488M | $447M | $460M |
| Operating margin | — | 0.1% | 57.4% | 62.6% | 60.9% |
| Net income | $213M | $235M | $221M | $201M | $209M |
| Net margin | 46.0% | 42.4% | 40.5% | 40.0% | 40.6% |
| Diluted EPS | $1.56 | $1.67 | $1.59 | $1.44 | $1.52 |
| Cash | |||||
| Cash from operations | $195M | $274M | $296M | $250M | $221M |
| Capital expenditure | $4.7M | $5.4M | $4.5M | $5.1M | $4.1M |
| Free cash flow | $191M | $268M | $291M | $245M | $217M |
| FCF margin | 41.3% | 48.3% | 53.2% | 48.7% | 42.2% |
| Dividends paid | $97.7M | $104M | $112M | $112M | $111M |
| Share buybacks | $8.3M | $46.3M | $21.2M | $2.8M | $81.1M |
| Share count change | −0.6% | 3.4% | −1.1% | 0.1% | −1.1% |
| Debt and strength | |||||
| Cash and short-term investments | $1.7B | $203M | $281M | $205M | $376M |
| Debt incl. finance leases | $2.3M | $995M | $995M | — | — |
| Loans, net | $7.8B | $9.0B | $8.8B | — | — |
| Deposits | $13.0B | $12.8B | $11.4B | $11.9B | $12.1B |
| Shareholders' equity | $2.1B | $1.9B | $2.1B | $2.2B | $2.3B |
| Net debt / EBITDA | — | 109.9x | 2.2x | — | — |
| Interest coverage | — | 0.0x | 2.7x | — | — |
| Returns and quality | |||||
| Return on capital | — | 0.0% | 7.9% | — | — |
| Return on equity | 10.4% | 11.7% | 11.0% | 9.4% | 9.3% |
| Return on tangible equity | 15.2% | 20.1% | 17.0% | 14.1% | 13.6% |
| Efficiency ratio | 41.1% | 39.0% | 42.0% | 46.5% | 46.0% |
| Piotroski F-score | 5 | 5 | 5 | — | — |
Insiders bought, 12 months
$4.2M
3 insiders
Insiders sold, 12 months
$0.9M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Cvb Financial Corp · CVBF
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $22.81 a share, the company is worth $3.8B: 15.6 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000354647). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.