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Buy Day today: Neutral (53) Mixed market breadth · no major macro event

CVB Financial Corporation (CVBF)

Financial Services Banks - Regional
22.40 $
Closing price · As of: 31. Jul 2026
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Basics

Market Cap
4.0$B
Shares Outstanding
177Mio.
Float
94.8%
Beta
0.7

Performance

Perf. 1M
9.80%
Perf. 3M
19.20%
Perf. 6M
17.00%
YTD Performance (%)
17.10%
52-Week-High Distance
-0.5%

Valuation

P/E
14.8
Forward P/E
13.0
PEG
1.5
P/B
1.7
P/S
6.2
EV/EBITDA
0.0
Price/FCF
16.8

Profitability

Gross Margin
100.0%
EBIT Margin
54.6%
Net Margin
40.3%
Return on Equity
9.2%
Return on Assets
1.4%

Balance Sheet & Safety

Equity Ratio
15.0%
Debt/Equity
0.4
Altman Z″
3.68
Piotroski
5 out of 9

Growth

Sales Growth Last Quarter
0.30%
EPS Growth Last Quarter
4.40%
Sales Growth (Year)
-2.33%
Forward Sales Growth
13.51%
Forward EPS Growth
13.30%

Dividend

Dividend Yield
3.51%
Dividend Per Share (TTM)
0.80$
Payout Ratio
52.3%
Years Without a Cut
0Years
Increase Streak
0Years

Quality & Screener

Stage
2
RS Rating
55
EPS Rating
54
Piotroski
5 out of 9
Fundamental Rating
C (54 out of 100)
Altman Z″
3.68

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Sales Per Quarter ($M)
2024: Q4 · 144.4 $M Q4 2025: Q1 · 159.2 $M Q1 2025: Q2 · 159.0 $M Q2 2025: Q3 · 163.1 $M Q3 2025: Q4 · 163.1 $M Q4 2026: Q1 · 160.6 $M Q1
Earnings Per Share Per Quarter ($)
2024: Q4 · 0.37 $ Q4 2025: Q1 · 0.37 $ Q1 2025: Q2 · 0.36 $ Q2 2025: Q3 · 0.38 $ Q3 2025: Q4 · 0.40 $ Q4 2026: Q1 · 0.38 $ Q1
Net Margin Per Quarter (%)
2024: Q4 · 35.2 % Q4 2025: Q1 · 32.1 % Q1 2025: Q2 · 31.8 % Q2 2025: Q3 · 32.2 % Q3 2025: Q4 · 33.8 % Q4 2026: Q1 · 31.8 % Q1
Operating Cash Flow Per Quarter ($M)
2024: Q4 · 74.8 $M Q4 2025: Q1 · 41.9 $M Q1 2025: Q2 · 53.1 $M Q2 2025: Q3 · 81.5 $M Q3 2025: Q4 · 44.9 $M Q4 2026: Q1 · 62.4 $M Q1
Free Cash Flow Per Quarter ($M)
2024: Q4 · 72.8 $M Q4 2025: Q1 · 41.2 $M Q1 2025: Q2 · 52.3 $M Q2 2025: Q3 · 80.7 $M Q3 2025: Q4 · 43.2 $M Q4 2026: Q1 · 61.2 $M Q1
Sales Growth vs. Year-Ago Quarter (%)
2024: Q4 · -18.9 % Q4 2025: Q1 · -7.3 % Q1 2025: Q2 · -8.4 % Q2 2025: Q3 · -3.7 % Q3 2025: Q4 · 12.9 % Q4 2026: Q1 · 0.9 % Q1
EPS Growth vs. Year-Ago Quarter (%)
2024: Q4 · 4.8 % Q4 2025: Q1 · 4.6 % Q1 2025: Q2 · 0.5 % Q2 2025: Q3 · 3.0 % Q3 2025: Q4 · 10.4 % Q4 2026: Q1 · 2.3 % Q1
Price Change in Quarter (%)
2024: Q4 · 21.3 % Q4 2025: Q1 · -13.8 % Q1 2025: Q2 · 8.4 % Q2 2025: Q3 · -3.5 % Q3 2025: Q4 · 0.4 % Q4 2026: Q1 · 4.2 % Q1

Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 0.37 4.80 144 -18.90 35.20 75 73
2025: Q1 0.37 4.60 159 -7.30 32.10 42 41
2025: Q2 0.36 0.50 159 -8.40 31.80 53 52
2025: Q3 0.38 3.00 163 -3.70 32.20 82 81
2025: Q4 0.40 10.40 163 12.90 33.80 45 43
2026: Q1 0.38 2.30 161 0.90 31.80 62 61
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

CVB Financial Corp. ist die Bankholdinggesellschaft der Citizens Business Bank, National Association, einer staatlich konzessionierten Bank, die Bank- und Finanzdienstleistungen für kleine bis mittelgroße Unternehmen und Privatpersonen anbietet.

Employees1,079
HeadquartersOntario, CA
Websitecbbank.com
IPO Date17. Mar 1992
Next Earnings22. Jul 2026

Management

Management
Name Title Birth Year
David A. Brager CEO & Director 1968
E. Allen Nicholson CPA Executive VP & CFO 1967
David C. Harvey Executive VP & COO 1968
David F. Farnsworth Executive VP & Chief Credit Officer 1957
Robertson Jones Jr. President & Director 1971
Donald E. Evenson CFA Senior VP & Chief Investment Officer
Sheryl P. Laygo Senior VP & Chief Accounting Officer 1981
Michael K. Currie Senior VP & Chief Information Officer
Joyce Y. Kwon Executive VP & Director of Human Resources
G. Larry Zivelonghi Executive VP and Dairy & Livestock Industries Group Manager

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Insider Transactions

Insider Transactions
Date Person Role Type Shares Price Value
28. Jul 2026 O Brien Raymond V III Director Buy 20,000 22.77 455,300

Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.

View all insider transactions →

Chart

Interactive price chart (TradingView).

Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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