CVB Financial Corp.

CVB Financial Corp.

CVBFยทNASDAQ

$20.44

-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$2.77B
EPS1.5300
P/E Ratio12.23
Earnings Date07/22/2026
3Y+14.0%
5Y+34.0%
10Y+114.0%
3Y-11.0%
5Y+18.0%
10Y+106.0%
3Y-19.0%
5Y+20.0%
10Y+78.0%
CVB Financial Corp.

CVB Financial Corp. Profit Bridge

CVBF ยท NASDAQ
Revenue643.36M
Cost of Goods Sold (129.51M)
Gross Profit513.85M
Operating Expenses (232.15M)
Operating Income281.69M
Interest Expense (133.01M)
Other Income/Expense0.00
Pretax Income281.69M
Income Tax (72.39M)
Net Income209.30M
Net Income
209.30M

Profitability Analysis

Gross Margin

79.9%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

43.8%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

32.5%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

25.7%

Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

CVB Financial Corp. Income Statement

CVBF โ€ข NASDAQ

CVB Financial Corp. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
643.4M
658.7M
665.7M
561.9M
467.8M
478.5M
506.4M
405.3M
325.9M
300.6M
295M
289.3M
257.2M
276M
297.2M
366.9M
371M
367M
372.6M
349.9M
GROSS PROFIT
(129.5M)
(178.5M)
(119.8M)
(19.8M)
-20.4M
(37.8M)
(27.1M)
(14.1M)
-604K
(1.1M)
(2.5M)
-961K
(257K)
(24.3M)
(41.2M)
(119.2M)
(169M)
(165.4M)
(184.1M)
(150.5M)
513.8M
480.2M
545.8M
542.2M
488.2M
440.7M
479.4M
391.3M
326.5M
299.5M
292.5M
290.3M
256.9M
251.7M
256M
247.7M
202M
201.5M
188.5M
199.5M
OPERATING INCOME
(232.2M)
(208.9M)
(230.4M)
(213.8M)
(190.6M)
(191.2M)
(188.3M)
(180.2M)
(137.7M)
(137.2M)
(141.2M)
(127.5M)
(112.7M)
(137M)
(135.2M)
(161M)
(112.8M)
(115.8M)
(105.4M)
(95.8M)
(201.6M)
(151.8M)
(145.9M)
(137.9M)
(122.5M)
(124.2M)
(135.2M)
(115.2M)
(91.9M)
(87.7M)
(83.6M)
(81.8M)
(75.7M)
(73.4M)
(75M)
(75.5M)
(71.8M)
(75.1M)
(61.3M)
(56.8M)
281.7M
271.2M
315.4M
328.3M
297.6M
249.5M
291.1M
211.1M
188.8M
162.3M
151.4M
162.8M
144.3M
114.7M
120.8M
86.7M
89.2M
85.7M
83.1M
103.6M
PRE-TAX INCOME
(133M)
(182.8M)
(118.3M)
(9.2M)
(6.1M)
(14.3M)
(22.1M)
(12.8M)
(8.3M)
(8M)
(8.6M)
(16.4M)
(16.5M)
(25.3M)
(35M)
(58M)
(88.5M)
(138.8M)
(180.1M)
(147.5M)
460.3M
445.8M
486.1M
504.3M
413.5M
415.1M
434.5M
347M
277.6M
254.9M
250.2M
234.4M
214.2M
236.3M
234.4M
259M
222.1M
189.1M
161.1M
169.2M
(30.6M)
(57.2M)
(84.4M)
(75.9M)
(68.1M)
(67M)
(52.3M)
(64.9M)
(45.8M)
(49.5M)
(57.5M)
(45.6M)
(37M)
(63.6M)
(60.2M)
(85.5M)
(41M)
(40.7M)
(44.1M)
(39.1M)
281.7M
271.2M
315.4M
328.3M
297.6M
249.5M
291.1M
211.1M
188.8M
162.3M
151.4M
162.8M
144.3M
114.7M
120.8M
86.7M
89.2M
85.7M
83.1M
103.6M
NET INCOME
(72.4M)
(70.5M)
(94M)
(92.9M)
(85.1M)
(72.4M)
(83.2M)
(59.1M)
(84.4M)
(60.9M)
(52.2M)
(58.8M)
(48.7M)
(37.4M)
(39.1M)
(23.8M)
(23.8M)
(22.7M)
(22.5M)
(31.7M)
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

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