CVB Financial (CVBF) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

CVB Financial

NasdaqGS•Financial Services•Banks - Regional

$22.72-0.19(-0.01%)Pre-market

Market Cap

$3.79B

P/E

18.3x

P/S

5.3x

P/B

1.2x

CVB Financial Corp. operates as bank holding company for Citizens Business Bank, National Association, a state-chartered bank that provides banking and financial services to small to mid-sized businesses and individuals. The company offers checking, savings, money market, and certificates of time deposit products for business and personal accounts, municipalities and districts, and specialized deposit products for title and escrow; and serves as a federal tax depository for business customers. It 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; consumer financing products, including automobile leasing and financing, lines of credit, credit cards, home mortgages, and home equity loans; and equipment and vehicle leasing services. In addition, the company offers various specialized services, such as treasury management systems for monitoring and managing cash flow, a 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; and foreign exchange and letters of credit services. Further, it provides financial and 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.

How this company scores

GoodMetricSide Score: 72/100

Strongest: Cash & Earnings Quality (25/25); weakest: Growth (11/25).

Profitability15/25

Growth11/25

Balance Sheet & Red Flags21/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowStrong marginsLow leverageCash-backed earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 18.3x5y range 7.7x – 18.3x

Currently above its 20-quarter median.

P/S · 5.3x5y range 3.0x – 7.1x

Currently above its 20-quarter median.

P/B · 1.2x5y range 0.9x – 1.9x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Watch

Operating margins declined 8.3% — watch for continued compression, which may signal competitive or cost pressure.

Revenue Decline

Watch

Revenue has softened, declining in 4 quarters. Watch for further erosion.

Price & Volume

Market Cap $3.79B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $712.82M
Q. Revenue: $219.14M
TTM EBITDA: $323.94M
TTM Op. Income: $309.27M
Q. Op. Income: $65.05M
TTM Net Income: $206.89M
Q. Net Income: $48.26M
EPS: $0.29
Shares Out.: $167.04M

$712.82M in TTM revenue grew 8.4% YoY, reaching $219.14M last quarter. TTM EBITDA of $323.94M and TTM operating income of $309.27M show growth is flowing through to the bottom line. TTM net income of $206.89M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 3 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 31.5%
Op. Margin: 29.7%
Net Margin: 22.0%

Op. margin of 29.7% is down 13.6% YoY — costs are rising relative to revenue. Net margin at 22.0% Across the last 8 quarters, operating margin has fallen for 2 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 18.3x
P/S Ratio: 5.3x
P/B Ratio: 1.2x

At 18.3x P/E, the stock trades within typical market levels. P/S of 5.3x and P/B of 1.2x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $21.18B
Cash: $1.10B
Long-Term Debt: $500.00M
Book Value: $3.17B
D/E Ratio: 0.2
Debt/EBITDA: 7.2

With $21.18B in assets and $500.00M in long-term debt, D/E is 0.2and book value is $3.17B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 6 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $388.14M
TTM Free Cash Flow: $572.50M
FCF Margin: 80.3%
FCF / Net Income: 2.8

TTM FCF of $572.50M on $388.14M in operating cash flow. The FCF / Net Income ratio of 2.8x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.