CVB Financial Corp.

CVB Financial Corp.

CVBFยทNASDAQ

$19.88

-1.1%
Financial ServicesBanks - Regional

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 through its CitizensTrust Division, such as fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. As of December 31, 2021, it operated 58 banking centers located in the Inland Empire, Los Angeles County, Orange County, San Diego County, Ventura County, Santa Barbara County, and the Central Valley area of California; and three trust offices located in Ontario, Newport Beach, and Pasadena, as well as two loan production offices in California's Central Valley and the Sacramento area. The company was founded in 1974 and is headquartered in Ontario, California.

At a Glance

Live Snapshot
Market Cap$2.70B
EPS1.5300
P/E Ratio12.99
Earnings Date07/22/2026
3Y-19.0%
5Y+20.0%
10Y+78.0%
3Y-82.0%
5Y-83.0%
10Y+37.0%
3Y-126.0%
5Y-94.0%
10Y+257.0%
CVBF

CVB Financial Corp. Cash Conversion Engine

CVBF ยท NASDAQ
Net Income209.30M
Depreciation & Amortization14.78M
Stock-Based Compensation6.22M
Change in Working Capital-29.40M
Others20.51M
Capital Expenditures-4.07M
Free Cash Flow217.34M

Cash Flow Quality Analysis

FCF Conversion Rate

103.8%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

1.8%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

-11.2%

Declining FCF warrants attention. Investigate whether due to temporary factors or fundamental deterioration.

Working Capital Impact

-$29.40M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

CVB Financial Corp. Cash Flow Statement

CVBF โ€ข NASDAQ

CVB Financial Corp. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
209.3M
200.7M
221.4M
235.4M
212.5M
177.2M
207.8M
152M
104.4M
101.4M
99.1M
104M
95.6M
77.3M
81.7M
62.9M
65.4M
63.1M
60.6M
71.9M
14.8M
15.4M
18.2M
13.7M
-6.4M
-1.2M
22M
8.3M
2.7M
5.3M
-1.5M
832K
2.4M
7.5M
9.6M
10.5M
9.9M
10.8M
13.2M
15.1M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-13.1M
99K
4.8M
6.2M
10.2M
9.4M
7.9M
5.2M
5.5M
5.5M
3.5M
3M
2.8M
2.7M
3M
1.9M
2M
2.2M
2.2M
1.7M
1.5M
0.0
0.0
20.5M
11.8M
11.2M
26.5M
-7.9M
19.8M
-24.1M
-4.2M
-1.3M
10.6M
7.4M
-10.2M
-6.4M
19.4M
55.5M
25.7M
8M
23.1M
2.4M
-14.3M
-29.4M
11.7M
35.4M
-9.8M
-8.1M
-16.2M
-3.1M
5.3M
29.7M
4.4M
-2.1M
-10M
18.3M
48.5M
-19M
1.5M
-18.3M
-1.8M
-5.2M
-6.6M
221.4M
249.8M
295.6M
273.7M
195.2M
185.1M
208.2M
165M
139.6M
124.5M
105.6M
87.7M
111.8M
154.8M
130M
102.9M
66M
83.6M
71.1M
70.9M
INVESTING ACTIVITIES
-4.1M
-5.1M
-4.5M
-5.4M
-4.7M
-4.7M
-5.5M
-4.2M
-4.9M
-12.6M
-1.9M
-1.9M
-2.4M
-4.3M
-1.7M
-6.7M
-4.2M
-5.1M
-7.4M
-9.4M
(0.0)
(0.0)
(0.0)
(329M)
(0.0)
(0.0)
(0.0)
-132.9M
(3.1M)
-15.7M
(0.0)
(50M)
(0.0)
(0.0)
(0.0)
(0.0)
(15.8M)
(0.0)
(743K)
(0.0)
-596.6M
-454.4M
-62M
-1.8B
-3.2B
-1.3B
-557.1M
-123.6M
-363.5M
-809.3M
-694.6M
-805.5M
-920.7M
-942.7M
-816.4M
-1.1B
-793M
-450.5M
-263.6M
-1.1B
572.1M
901.5M
450.3M
663.4M
928.4M
798.7M
638.4M
1.2B
578.2M
829.5M
576.1M
425.4M
594.6M
643.5M
464.1M
1.4B
1.2B
381.9M
534.2M
481.5M
-181.7M
410.8M
152.6M
-358.9M
508.4M
-775.2M
249.5M
-134.9M
-72.9M
-145.9M
-180.4M
63.5M
-50M
82.4M
267.3M
292.2M
121.1M
-260.3M
-285.1M
-25M
-210.3M
(852.7M)
(536.3M)
-1.2B
-1.7B
-1.3B
(325.3M)
(811.1M)
(138.9M)
-154M
-300.7M
-268.5M
-378.5M
-221.1M
-86.7M
(550.4M)
(562.5M)
-333.9M
-21.1M
-680.7M
FINANCING ACTIVITIES
-80.7M
-2.8M
-21.2M
-116.3M
-8.3M
-92.8M
-2.6M
-7.8M
-1.1M
-1.9M
-834K
-5.5M
-559K
-54K
-12.5M
-5.2M
126.1M
-650K
-31.8M
983K
228.7M
-1.6B
1.1B
992.7M
-28.5M
5M
-280M
-183.6M
-53M
2M
-200M
-23M
1.8M
-272M
-106.9M
-200.5M
-1.1B
-11M
-53.1M
669.8M
-111M
-111.8M
-111.7M
-104.4M
-97.7M
-98.5M
-95.4M
-66M
-57M
-51.6M
-48.9M
-42.3M
-29.9M
-44.6M
-35.8M
-36.1M
-36.5M
-28.3M
-28.5M
-27.9M
-81.1M
-2.8M
-21.2M
-116.3M
-8.3M
-92.8M
-2.6M
-7.8M
-1.1M
-1.9M
-834K
-5.5M
-559K
-54K
-12.5M
-5.2M
(0.0)
-650K
-33.9M
(0.0)
123.6M
505.5M
-1.7B
-1.4B
1.4B
3B
-133.9M
-699.2M
-144.5M
96.6M
445.1M
262.7M
291.6M
136.1M
53M
-110.5M
499.2M
166.1M
6.5M
-16.9M
160.6M
-1.2B
-754.1M
-625.9M
1.3B
2.9B
-511.9M
-956.5M
-255.7M
45M
195.4M
191.9M
262.9M
-180.6M
-102.3M
-352.3M
-620.5M
256.1M
-106.9M
626M
CASH FLOW SUMMARY
171.7M
-76.6M
77.8M
-1.5B
-225.6M
1.8B
21.6M
19.6M
22.7M
15.5M
329K
11.1M
-3.7M
-246.9M
-58.9M
301M
8M
5.8M
-56.9M
16.3M
204.7M
281.3M
203.5M
1.7B
2B
185.5M
163.9M
144.4M
121.6M
106.1M
105.8M
94.7M
98.4M
345.3M
404.3M
103.3M
95.3M
89.5M
146.4M
130.1M
376.4M
204.7M
281.3M
203.5M
1.7B
2B
185.5M
163.9M
144.4M
121.6M
106.1M
105.8M
94.7M
98.4M
345.3M
404.3M
103.3M
95.3M
89.5M
146.4M
217.3M
244.6M
291.1M
268.4M
190.6M
180.4M
202.7M
160.8M
134.7M
111.9M
103.8M
85.8M
109.4M
150.5M
128.3M
96.2M
62.5M
78.6M
63.7M
61.5M

SEC Filings

CVBF - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

June 01, 2026
June 01, 2026
2026
8-K

8-K 2026

N/A

May 26, 2026
May 20, 2026
2026
8-K

8-K 2026

N/A

May 22, 2026
May 20, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 08, 2026
March 31, 2026
2026
8-K/A

8-K/A 2026 (Amended)

N/A

May 07, 2026
April 17, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 22, 2026
2026
8-K

8-K 2026

N/A

April 21, 2026
April 17, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 07, 2026
May 20, 2026
2026
8-K

8-K 2026

N/A

April 01, 2026
March 30, 2026
2026
8-K

8-K 2026

N/A

March 27, 2026
March 26, 2026
2026
Showing 1 to 10 of 565 filings