profit from every $100 of sales.
$0$100
CVB Financial
$22.96+0.97% today
+22.7% in 1 year
1-year low $18.181-year high $23.37
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $19.15 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What CVB Financial sold, what it kept, and what it did with the cash.
Sales went from $553 million in 2022 to $515 million in 2025, with $209 million of profit last year.
SalesProfit
CVB Financial handed back 88% of the cash it generated last year.
Buybacks $81M$111M
Free cash flow 2025$217M
Bought back its own shares$81M
Paid as dividends$111M
Cash vs. debt$389M vs. $500M
CVB Financial vs. similar companies
CVB Financial grows the slowest of these 5 and is the most expensive for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| CVB Financial | 19.1× · Fair price | ||
 China Merchants Bank | 7.8× · Cheap | ||
 DBS Group Holdings | 18.1× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.5× · Fair price |
AI analysis
An AI analyst reads CVB Financial's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 553 | 547 | 476 | 515 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 235 | 221 | 201 | 209 | |
| 1.67 | 1.59 | 1.44 | 1.52 | |
| – | – | – | – | |
| – | – | – | – | |
| 42.6% | 40.5% | 42.2% | 40.6% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 16,477 | 16,021 | 15,154 | 15,631 |
| Cash | 213 | 290 | 205 | 389 |
| Total debt | 995 | 2,070 | 500 | 500 |
| Total liabilities | 14,528 | 13,943 | 12,967 | 13,336 |
| 1,949 | 2,078 | 2,186 | 2,295 | |
| 140 | 138 | 139 | 137 | |
| – | – | – | – | |
| 12.1% | 10.7% | 9.2% | 9.1% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 274 | 296 | 250 | 221 | |
| 5 | 5 | 5 | 4 | |
| 268 | 291 | 245 | 217 | |
| Dividends paid | 104 | 112 | 112 | 111 |
| 116 | 21 | 3 | 81 | |
| 8 | 9 | 10 | 6 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 19.1×
- 15.9×
- –
- 1.2×
- 7.8×
- 5.2%
- 4.1%
Profitability
- 40.6%
- 1.3%
- 6.5%
- 9.2%
- 1.3%
Growth
- −2.3%
- −3.1%
- −2.3%
- +0.4%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 35%of 843
Top 17%of 730
Bottom 29%of 866
Bottom 17%of 862
Bottom 46%of 921
What analysts expect
- Average price target
- $24.75
- Range
- $22.50 – $27.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 22, 2026 | 0.38 | 0.38 | +0.0% |
| Jan 21, 2026 | 0.40 | 0.40 | +0.0% |
| Oct 22, 2025 | 0.38 | 0.37 | +2.7% |
| Jul 23, 2025 | 0.36 | 0.35 | +2.9% |
| Apr 23, 2025 | 0.36 | 0.33 | +9.1% |
| Jan 22, 2025 | 0.36 | 0.34 | +5.9% |
| Oct 23, 2024 | 0.37 | 0.35 | +5.7% |
| Jul 24, 2024 | 0.36 | 0.34 | +5.9% |
4.1%of the share price, paid each year
On $1,000 invested$41a year at today's yield, before tax
−2.3%2020 to 2025
Raised–not every year
Paid per share, each year
$0.48 in 2015 → $0.80 in 2025
How safe it looks
53.0% of its profit
Room to growStretchedMore than it earns: 51.1%
News
AP Top Extended Financial Headlines at 3:45 a.m. ESTYahoo Finance · Nov 10, 2026AP Top Financial News at 3:45 a.m. ESTYahoo Finance · Nov 10, 2026‘I have no financial safety net’: I’m 66, rely on Social Security and have just $500 in savings. What hope do I have?MarketWatch · Nov 8, 2026Everyday People Financial reports Q3 resultsSeeking Alpha · Nov 7, 2026Velocity Financial Non-GAAP EPS of $0.76 beats by $0.05, revenue of $102.1M beats by $49.24MSeeking Alpha · Nov 5, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
50No pass
Benjamin Graham
65Pass
Philip Fisher
57No pass
Peter Lynch
29No pass
Joel Greenblatt
12No pass
Charlie Munger
49No pass
Terry Smith
47No pass
Questions about CVB Financial
Is CVB Financial a good stock to buy?
A strong, very profitable business at a fair price. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the CVB Financial AI analysis
What does CVB Financial do?
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 is in Banks - Regional, based in Ontario, CA, United States, with 1,079 employees.
Does CVB Financial pay a dividend?
Yes. At today's price the dividend is 4.1% a year, about 53% of its yearly profit. In 2025 it paid out $111 million in dividends.
Is CVB Financial stock halal?
No. CVB Financial does not pass our halal screen: its main business, banking, is not permitted. How we check
How has CVB Financial stock done over the past year?
Up 22.7% over the past twelve months, to $22.96. It traded between $18.18 and $23.37, close to its high.
Who are CVB Financial's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with CVB Financial's.
Prices: daily closes to Nov 9, 2026. Fundamentals: company reports via invest-like data.