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CVBFCVB Financial Corp.
$22.74$3.3B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
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CVBF logo

CVB Financial Corp.

CVBF
NASDAQ · Regional Banks
$22.74
At close - Nov 6, 4:00 PM EST - USD
Market Cap$3.26B
P/E17.1x
52W High$23.95
Volume1.07M
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Heritage Acquisition Lifts Earnings While Balance Sheet Scales

CVBF's reported net interest income climbed to $179.1M in 2026Q3 from $110.0M in 2024Q4, a rebound that appears driven largely by the Heritage Bank of Commerce combination rather than organic loan growth, while net interest margin held near 0.8% to 0.9%.

GrowthMixed
ProfitabilityStable
ValuationExpensive
TechnicalsStrong
Explore valuation models
MARKET ACTION

CVBF price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

8/12 Beats

EPS beat 8 of last 12 quarters

02

Valuation risk

+41% Peers

P/E is 41% above peer median

03

Market leadership

RS 74 · Avg

Average momentum (RS Rating: 74)

04

Strong Uptrend

Strong Trend

Price > 20DMA > 50DMA > 200DMA

Next CatalystEstimated earnings · Jan 21

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
CVBF+25.01%
S&P 500 (^GSPC)+7.63%
1-Year Return
CVBF+25.88%
S&P 500 (^GSPC)+9.69%
3-Year Return
CVBF+45.32%
S&P 500 (^GSPC)+68.00%
5-Year Return
CVBF+29.25%
S&P 500 (^GSPC)+56.13%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
17.1x
Forward P/EExpansion
14.3x
EV/EBITDA20th %ile
11.3x
FCF YieldCash Flow
19.4%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
17.1x
13.7x
100th· High
EV/EBITDA
11.3x
12.3x
20th· Low
Price/FCF
5.2x
12.1x
0th· Low
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$11.08-51.3%
Base (Fair)$19.73-13.2%
Bull$30.55+34.3%
$11.08 Bear$19.73 Base$30.55 Bull
Current Market Price: $22.74
Trades at a 15.3% premium to Base DCF ($19.73)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$510M+7.2% YoY
Net income FY25
$209M+4.3% YoY
Free cash flow FY25
$217M-11.2% YoY
Operating margin FY25
55.2%-1.8 pts YoY
ROIC (FY25)6.8%
Avg ROIC 5Y6.9%
ROE (TTM)8.5%
Piotroski Score6 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate8/12 (67%)
Revenue Beat Rate5/12 (42%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Oct 21, 2026
$0.44+6.9%
vs $0.41
$196M+1.4%
vs $193M
Q3 2026
Jul 22, 2026
$0.29-2.7%
vs $0.30
$179M-2.8%
vs $185M
Q2 2026
Apr 22, 2026
$0.38+0.0%
vs $0.38
$132M-0.6%
vs $133M
Q1 2026
Jan 21, 2026
$0.40+0.0%
vs $0.40
$134M-1.2%
vs $135M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
Seeking Alpha·Oct 22, 2026
CVB Financial Corp. (CVBF) Q3 2026 Earnings Call Transcript

CVB Financial Corp. ( CVBF ) Q3 2026 Earnings Call October 22, 2026 10:30 AM EDT Company Participants E. Nicholson - Executive VP & CFO David Brager - CEO & Director Robertson Jones - President & Director Conference Call Participants Matthew Clark - Piper Sandler & Co., Research Division David Feaster - Raymond James & Associates, Inc., Research Division Andrew Terrell - Stephens Inc., Research Division Gary Tenner - D.A.

MarketBeat·Oct 22, 2026
CVB Financial Q3 Earnings Call Highlights

CVB Financial NASDAQ: CVBF reported third-quarter 2026 net income of $78.1 million, or $0.44 per share, as the company recorded its first full calendar quarter including the operations of Heritage Bank of Commerce following its acquisition.

Zacks Investment Research·Oct 21, 2026
CVB Financial (CVBF) Reports Q3 Earnings: What Key Metrics Have to Say

Although the revenue and EPS for CVB Financial (CVBF) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Zacks Investment Research·Oct 21, 2026
CVB Financial (CVBF) Lags Q3 Earnings Estimates

CVB Financial (CVBF) came out with quarterly earnings of $0.44 per share, missing the Zacks Consensus Estimate of $0.45 per share. This compares to earnings of $0.38 per share a year ago.

Filtered for CVB Financial Corp.More Headlines
04

Compare before deciding

Benchmark CVBF against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for CVB Financial Corp. (CVBF)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
CVBF logoCVBFCVB Financial Corp.Current
$22.74$3.26B17.147.23%36.65%8.52%3.59%
WAFD logoWAFDWaFd, Inc.
$29.43$2.17B8.5312.22%31.45%8.5%—
BANR logoBANRBanner Corporation
$70.09$2.38B12.12-0.08%38.63%10.07%2.8%
COLB logoCOLBColumbia Banking System, Inc.
$30.48$8.62B10.2319.28%30.19%11.08%3.7%
FFIN logoFFINFirst Financial Bankshares, Inc.
$30.41$4.36B15.0216.23%42.9%15.14%2.43%
BOKF logoBOKFBOK Financial Corporation
$129.48$7.87B11.629.59%29.56%11.21%1.87%

Compare CVBF vs Peers

CVB Financial Corp. (CVBF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs WAFD

Most directly comparable listed peer for CVBF.

Scale Benchmark

vs ICE

Larger-name benchmark to compare CVBF against a more recognizable public peer.

Peer Set

Compare Top 5

vs WAFD, BANR, COLB, FFIN

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

CVBF SEC Filings & Documents

CVB Financial Corp. (CVBF) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Oct 22, 2026·SEC

Material company update

Jul 23, 2026·SEC

Material company update

Jul 23, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 28, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Nov 6, 2026·SEC

FY 2026

Aug 7, 2026·SEC

FY 2026

May 8, 2026·SEC

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CVBF Frequently Asked Questions

CVB Financial Corp. (CVBF) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is CVB Financial Corp. growing?

CVB Financial Corp. (CVBF) grew revenue by 30.0% over the trailing twelve months, compared with the twelve months before.

Is CVBF profitable?

Yes. CVB Financial Corp. (CVBF) earned $232.4M in net income over the trailing twelve months (a 36.7% net margin).

Dividend & Returns
Does CVBF pay dividends?

Yes. CVB Financial Corp. (CVBF) pays a dividend that yields 3.59% at the current price, a moderate yield.

What is CVBF's return on equity?

CVB Financial Corp. (CVBF) had a return on equity (ROE) of 8.5% over the trailing twelve months. That is below the market's typical 10-15%.

Industry Metrics
What is CVB Financial Corp.'s net interest margin?

CVB Financial Corp. (CVBF) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.

What is CVB Financial Corp.'s efficiency ratio?

CVB Financial Corp. (CVBF) has an efficiency ratio of 45.5%. This is excellent, indicating strong cost control.

What if you invested $1,000 in CVBF back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →