Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 17.14 | 12.28 | 15.66 | 12.76 | 11.63 | 12.44 | 13.74 | 12.82 | 14.87 | 12.04 | 11.97 | 12.74 | 14.42 | 9.86 | 8.30 | 9.93 | 13.70 | 13.76 | 14.77 | 18.72 | 15.29 |
| — | -1.3% | +13.9% | -0.5% | -21.8% | +3.3% | +14.8% | +0.6% | +3.1% | +22.1% | +44.2% | +28.3% | +5.3% | -28.3% | -43.8% | -47.0% | -10.4% | -0.0% | +9.0% | +59.3% | +16.1% | |
| P/S Ratio | 5.14 | 4.84 | 4.27 | 5.09 | 4.87 | 5.10 | 5.48 | 5.09 | 6.92 | 5.27 | 4.77 | 4.88 | 5.02 | 4.18 | 3.48 | 4.18 | 5.96 | 6.10 | 6.50 | 6.80 | 6.26 |
| — | -5.2% | -22.1% | +0.1% | -29.6% | -3.2% | +14.8% | +4.2% | +37.9% | +26.2% | +37.1% | +16.8% | -15.8% | -31.5% | -46.4% | -38.5% | -4.8% | +0.4% | +8.0% | +6.3% | +12.7% | |
| P/B Ratio | 1.35 | 1.21 | 0.97 | 1.14 | 1.10 | 1.15 | 1.23 | 1.15 | 1.36 | 1.13 | 1.13 | 1.18 | 1.35 | 1.18 | 0.92 | 1.16 | 1.84 | 1.88 | 1.75 | 1.62 | 1.39 |
| — | +5.5% | -21.5% | -1.6% | -18.9% | +1.9% | +8.9% | -2.6% | +0.9% | -4.3% | +23.2% | +1.7% | -26.9% | -37.4% | -47.6% | -28.2% | +32.5% | +40.5% | +29.1% | +9.6% | +5.8% | |
| P/FCF | 5.15 | 6.69 | 1.98 | 10.76 | 14.64 | 8.11 | 13.20 | 15.60 | 10.20 | 8.81 | 24.53 | 8.00 | 14.87 | 6.80 | 5.11 | 8.30 | 12.90 | 12.13 | 16.68 | 11.37 | 12.86 |
| — | -17.5% | -85.0% | -31.1% | +43.5% | -8.0% | -46.2% | +95.1% | -31.4% | +29.5% | +380.4% | -3.7% | +15.3% | -43.9% | -69.4% | -27.0% | +0.3% | +16.0% | -47.1% | -29.6% | -12.5% | |
| EV / EBITDA | 11.31 | 7.92 | 11.08 | 11.94 | 11.10 | 9.53 | 10.03 | 9.47 | 12.16 | 9.69 | 8.29 | 13.52 | 15.39 | 9.97 | 9.61 | 11.42 | 12.70 | 9.80 | 9.56 | 8.77 | 6.59 |
| — | -16.9% | +10.5% | +26.2% | -8.7% | -1.6% | +21.0% | -30.0% | -21.0% | -2.8% | -13.8% | +18.4% | +21.2% | +1.7% | +0.5% | +30.2% | +92.7% | +218.9% | +166.5% | +52.7% | +60.1% | |
| EV / EBIT | 14.71 | 7.92 | 11.77 | 12.73 | 11.47 | 10.04 | 10.59 | 10.12 | 12.95 | 10.69 | 8.39 | 14.15 | 16.26 | 10.67 | 10.09 | 12.03 | 13.28 | 10.21 | 9.96 | 9.09 | 6.66 |
| — | -21.1% | +11.1% | +25.8% | -11.5% | -6.1% | +26.3% | -28.5% | -20.3% | +0.2% | -16.9% | +17.6% | +22.4% | +4.5% | +1.3% | +32.3% | +99.3% | +243.3% | +182.8% | +64.8% | +69.8% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 100.7% | 100.5% | 100.0% | 97.7% | 101.9% | 99.1% | 100.3% | 101.5% | 102.8% | 100.6% | 100.4% | 100.0% | 101.8% | 99.2% | 99.3% | 98.6% | 98.3% | 98.6% | 97.3% | 98.0% | 100.0% |
| — | +1.4% | -0.3% | -3.8% | -0.8% | -1.5% | -0.1% | +1.5% | +1.0% | +1.5% | +1.1% | +1.5% | +3.5% | +0.6% | +2.1% | +0.6% | -1.7% | -4.7% | -5.1% | -16.0% | 0.0% | |
| Operating Margin | 55.2% | 54.2% | 36.3% | 53.0% | 57.3% | 53.8% | 54.6% | 55.1% | 63.4% | 57.7% | 54.9% | 52.8% | 53.5% | 58.7% | 58.8% | 59.5% | 61.7% | 62.1% | 61.4% | 51.2% | 57.8% |
| — | +0.8% | -33.6% | -3.7% | -9.6% | -6.6% | -0.5% | +4.3% | +18.5% | -1.8% | -6.7% | -11.4% | -13.3% | -5.5% | -4.2% | +16.3% | +6.8% | +1.2% | -0.7% | -33.1% | -2.7% | |
| Net Margin | 41.0% | 39.9% | 26.9% | 39.4% | 42.4% | 41.0% | 40.1% | 40.5% | 47.4% | 43.7% | 39.9% | 38.4% | 34.8% | 42.2% | 42.2% | 42.8% | 43.9% | 44.7% | 44.2% | 36.8% | 41.3% |
| — | -2.6% | -33.0% | -2.6% | -10.5% | -6.1% | +0.5% | +5.4% | +36.2% | +3.6% | -5.5% | -10.2% | -20.8% | -5.6% | -4.3% | +16.1% | +6.5% | +1.9% | +0.5% | -32.3% | -1.8% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.3% | 2.5% | 1.8% | 2.2% | 2.4% | 2.3% | 2.3% | 2.3% | 2.3% | 2.4% | 2.4% | 2.3% | 2.4% | 2.9% | 2.8% | 3.0% | 3.5% | 3.3% | 2.9% | 2.2% | 2.3% |
| — | +6.6% | -22.3% | -4.6% | +3.7% | -2.2% | -5.0% | -0.8% | -3.6% | -18.9% | -14.7% | -22.5% | -30.4% | -12.5% | -4.0% | +37.3% | +50.3% | +38.6% | +16.5% | -30.6% | -8.0% | |
| ROA | 1.4% | 0.4% | 0.3% | 0.3% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% | 0.3% | 0.4% | 0.4% | 0.4% | 0.3% | 0.3% | 0.3% |
| — | +10.7% | -20.2% | -2.5% | +5.6% | +4.2% | +7.5% | +12.3% | +9.5% | -9.2% | -9.9% | -17.3% | -24.6% | -8.5% | -1.1% | +32.8% | +35.6% | +24.6% | +2.7% | -37.3% | -15.9% | |
| ROIC | 6.8% | 1.9% | 1.3% | 1.6% | 1.7% | 1.6% | 1.7% | 1.8% | 1.7% | 1.7% | 1.4% | 1.1% | 1.4% | 1.7% | 1.5% | 1.7% | 2.4% | 2.8% | 2.4% | 1.8% | 1.8% |
| — | +14.6% | -23.4% | -11.1% | +1.3% | -4.4% | +17.8% | +53.5% | +17.2% | +2.3% | -4.2% | -31.8% | -39.4% | -40.6% | -37.7% | -4.9% | +29.5% | +43.0% | +15.3% | -34.0% | -13.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.43 | 0.37 | 0.35 | 0.43 | 0.43 | 0.42 | 0.40 | 0.35 | 0.35 | 0.41 | 0.36 | 1.09 | 1.13 | 0.71 | 0.97 | 0.95 | 0.80 | 0.25 | 0.25 | 0.29 | 0.31 |
| — | -11.8% | -13.8% | +23.0% | +23.8% | +2.4% | +10.9% | -68.0% | -69.1% | -42.8% | -62.6% | +14.2% | +40.7% | +186.0% | +283.6% | +230.0% | +158.6% | -22.1% | -9.8% | +8.6% | +32.3% | |
| Debt / EBITDA | 3.34 | 7.80 | 15.96 | 13.60 | 12.90 | 13.09 | 12.44 | 10.44 | 10.51 | 12.00 | 11.04 | 32.49 | 29.73 | 16.11 | 23.88 | 21.79 | 16.06 | 5.00 | 5.88 | 9.12 | 9.55 |
| — | -40.4% | +28.2% | +30.3% | +22.7% | +9.1% | +12.7% | -67.9% | -64.7% | -25.5% | -53.8% | +49.1% | +85.1% | +222.2% | +306.3% | +138.9% | +68.2% | -48.9% | -28.5% | +45.9% | +36.4% | |
| Current Ratio | 0.01 | 0.36 | 0.39 | 0.28 | 0.01 | 0.09 | 0.08 | 0.07 | 0.04 | 0.26 | 0.32 | 0.34 | 0.26 | 0.25 | 0.28 | 0.26 | 0.26 | 0.28 | 0.31 | 0.36 | 0.37 |
| — | +315.0% | +364.1% | +318.4% | -71.0% | -66.8% | -73.9% | -80.0% | -82.8% | +2.5% | +15.9% | +27.8% | -2.1% | -8.9% | -11.5% | -28.0% | -29.2% | -33.5% | -23.2% | +3.0% | +0.3% | |
| Quick Ratio | 0.01 | 0.36 | 0.39 | 0.28 | 0.01 | 0.09 | 0.08 | 0.07 | 0.04 | 0.26 | 0.32 | 0.34 | 0.26 | 0.25 | 0.28 | 0.26 | 0.26 | 0.28 | 0.31 | 0.36 | 0.37 |
| — | +315.0% | +364.1% | +318.4% | -71.0% | -66.8% | -73.9% | -80.0% | -82.8% | +2.5% | +15.9% | +27.8% | -2.1% | -8.9% | -11.5% | -28.0% | -29.2% | -33.5% | -23.2% | +3.0% | +0.3% | |
| Interest Coverage | 2.12 | 3.55 | 1.64 | 2.19 | 2.23 | 2.00 | 2.11 | 2.14 | 1.83 | 1.30 | 1.43 | 1.48 | 1.93 | 2.45 | 2.61 | 4.84 | 19.68 | 48.60 | 62.13 | 50.29 | 58.80 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying CVBF stock.
CVB Financial Corp.'s current P/E is 17.1x. The average P/E over the last 4 quarters is 13.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
CVB Financial Corp.'s current operating margin is 55.2%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking CVB Financial Corp.'s business trajectory between earnings reports.