CVB Financial Corp.
NASDAQ•CVBF
CEO: Mr. David A. Brager
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1983-04-04
CVB Financial Corp. operates as a bank holding company for Citizens Business Bank, a state-chartered bank that provides banking and financial services to small to mid-sized businesses and individuals. It offers checking, savings, money market, and time certificates of deposit products for business and personal accounts; and serves as a federal tax depository for business customers. The company also provides commercial lending products comprising lines of credit and other working capital financing, accounts receivable lending, and letters of credit; agriculture loans to finance the operating needs of wholesale dairy farm operations, cattle feeders, livestock raisers, and farmers; lease financing services for municipal governments; commercial real estate and construction loans; and consumer financing products, including automobile leasing and financing, lines of credit, credit cards, home mortgages, and home equity loans and lines of credit. In addition, it offers various specialized services, such as treasury management systems for monitoring cash flow, merchant card processing program, armored pick-up and delivery, payroll services, remote deposit capture, electronic funds transfers, wires and automated clearinghouse, and online account access. Further, the company provides trust services, such as fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. CVB Financial Corp. was founded in 1974 and is headquartered in Ontario, California.
Contact Information
Market Cap
$2.76B
P/E (TTM)
13.4
15.8
Dividend Yield
3.9%
52W High
$21.48
52W Low
$17.95
52W Range
Rank33Top 25.7%
4.8
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.8 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q1 2026 Data
Revenue
$160.63M+0.00%
4-Quarter Trend
EPS
$0.37+0.00%
4-Quarter Trend
FCF
$61.25M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Net Earnings Increased 4.28% Net earnings reached $209.3M, driven by NIM expansion to 3.36% (up 27 bps) due to lower funding costs following 2024 deleveraging.
Asset Quality Shows Strong Improvement Nonperforming loans sharply decreased to $4.7M (0.05% ratio), resulting in a $3.5M recapture of credit loss provision for 2025.
Capital Ratios Remain Robust Consolidated CET1 ratio stood at 15.89% and Total Risk-Based Capital ratio at 16.66%, well exceeding minimum regulatory requirements.
Balance Sheet Grows; Heritage Merger Announced Total assets grew 3.15% to $15.63B; announced all-stock merger with Heritage Commerce Corp. expected to close in Q2 2026.
Risk Factors
Interest Rate Sensitivity Exposure NIM is sensitive to interest rate fluctuations; simulation shows potential NII sensitivity of -2.66% under a 200 bps rate drop scenario.
Commercial Real Estate Concentration Loan portfolio heavily concentrated in California CRE, exposing the bank to downturns in regional real estate values and potential regulatory scrutiny.
Pending Merger Integration Risks Risks include failure to complete the Heritage merger, difficulty retaining key personnel, and realizing anticipated cost synergies post-close.
Core Deposit Base Stability Reliance on core deposits is key; higher rates caused a shift from noninterest-bearing deposits to higher-cost alternatives, impacting funding costs.
Outlook
Slow GDP Growth Forecasted Economic forecast projects GDP growth under 2% through 2028, with unemployment exceeding 5% from mid-2026 until late 2028.
Credit Loss Allowance Expectations ACL remains appropriate, but future provisions may increase due to uncertain economic conditions and continued CRE valuation pressures.
Focus on Heritage Integration Future success depends on effectively managing the expanded $22B asset base and achieving anticipated synergies post-merger close.
Maintaining Regulatory Compliance Must maintain capital ratios above Basel III requirements, especially while preparing for the combined entity's regulatory standing post-merger.
Peer Comparison
Revenue (TTM)
$2.12B
$1.82B
$1.40B
Gross Margin (Latest Quarter)
83.2%
78.7%
73.2%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| BKU | $3.37B | 13.0 | 9.0% | 5.9% |
| FFBC | $3.23B | 11.4 | 10.2% | 4.1% |
| SFNC | $3.11B | -8.7 | -10.5% | 3.1% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
0.4%
Moderate Growth
4Q Net Income CAGR
0.3%
Profitability Slowly Improving
Cash Flow Stability
100%
Strong Cash Flow
Deep Research
Next earnings:Jul 22, 2026
EPS:$0.43
|Revenue:$184.62M
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
|---|
No Data