Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
CVB Financial Corp.'s quarterly P/E stands at 11.6x, down 21.8% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 5.7% YoY to 11.5x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.69 | 11.63 | 12.44 | 13.74 | 12.82 | 14.87 | 12.04 | 11.97 | 12.74 | 14.42 | 9.86 | 8.30 | 9.93 |
| — | -21.8% | +3.3% | +14.8% | +0.6% | +3.1% | +22.1% | +44.2% | +28.3% | +5.3% | -28.3% | -43.8% | -47.0% | |
| P/S Ratio | 4.39 | 3.88 | 4.01 | 4.34 | 4.04 | 5.14 | 3.65 | 3.44 | 3.60 | 3.93 | 3.37 | 2.84 | 3.72 |
| — | -24.6% | +9.8% | +26.0% | +12.2% | +30.8% | +8.3% | +21.3% | -3.3% | -32.0% | -44.0% | -55.8% | -44.7% | |
| P/B Ratio | 1.23 | 1.10 | 1.15 | 1.23 | 1.15 | 1.36 | 1.13 | 1.13 | 1.18 | 1.35 | 1.18 | 0.92 | 1.16 |
| — | -18.9% | +1.9% | +8.9% | -2.6% | +0.9% | -4.3% | +23.2% | +1.7% | -26.9% | -37.4% | -47.6% | -28.2% | |
| P/FCF | 13.00 | 14.64 | 8.11 | 13.20 | 15.60 | 10.20 | 8.81 | 24.53 | 8.00 | 14.87 | 6.80 | 5.11 | 8.30 |
| — | +43.5% | -8.0% | -46.2% | +95.1% | -31.4% | +29.5% | +380.4% | -3.7% | +15.3% | -43.9% | -69.4% | -27.0% | |
| EV / EBITDA | 13.17 | 11.47 | 9.53 | 10.03 | 9.47 | 12.16 | 9.69 | 8.29 | 13.52 | 15.39 | 9.97 | 9.61 | 11.42 |
| — | -5.7% | -1.6% | +21.0% | -30.0% | -21.0% | -2.8% | -13.8% | +18.4% | +21.2% | +1.7% | +0.5% | +30.2% | |
| EV / EBIT | 13.17 | 11.47 | 10.04 | 10.59 | 10.12 | 12.95 | 10.69 | 8.39 | 14.15 | 16.26 | 10.67 | 10.09 | 12.03 |
| — | -11.5% | -6.1% | +26.3% | -28.5% | -20.3% | +0.2% | -16.9% | +17.6% | +22.4% | +4.5% | +1.3% | +32.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
CVB Financial Corp.'s operating margin was 45.6% in Q4 2025, up 3.3 pp QoQ and down 1.5 pp YoY. The trailing four-quarter average of 43.7% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 6.2% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 79.9% | 81.1% | 77.9% | 79.5% | 80.5% | 76.3% | 69.7% | 72.5% | 73.7% | 79.7% | 80.0% | 81.1% | 87.8% |
| — | +6.2% | +11.8% | +9.7% | +9.3% | -4.2% | -13.0% | -10.6% | -16.0% | -16.5% | -17.8% | -15.9% | -9.5% | |
| Operating Margin | 43.8% | 45.6% | 42.3% | 43.3% | 43.7% | 47.1% | 39.9% | 39.6% | 38.9% | 41.9% | 47.4% | 48.0% | 53.0% |
| — | -3.2% | +6.0% | +9.2% | +12.3% | +12.5% | -15.8% | -17.5% | -26.7% | -30.0% | -22.8% | -21.0% | +4.6% | |
| Net Margin | 32.5% | 33.8% | 32.2% | 31.8% | 32.1% | 35.2% | 30.2% | 28.8% | 28.3% | 27.2% | 34.0% | 34.5% | 38.1% |
| — | -4.1% | +6.6% | +10.3% | +13.5% | +29.3% | -11.1% | -16.4% | -25.7% | -36.0% | -22.9% | -21.1% | +4.4% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.3% | 2.4% | 2.3% | 2.3% | 2.3% | 2.3% | 2.4% | 2.4% | 2.3% | 2.4% | 2.9% | 2.8% | 3.0% |
| — | +3.7% | -2.2% | -5.0% | -0.8% | -3.6% | -18.9% | -14.7% | -22.5% | -30.4% | -12.5% | -4.0% | +37.3% | |
| ROA | 1.4% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% | 0.3% | 0.4% |
| — | +5.6% | +4.2% | +7.5% | +12.3% | +9.5% | -9.2% | -9.9% | -17.3% | -24.6% | -8.5% | -1.1% | +32.8% | |
| ROIC | 6.8% | 1.7% | 1.6% | 1.7% | 1.8% | 1.7% | 1.7% | 1.4% | 1.1% | 1.4% | 1.7% | 1.5% | 1.7% |
| — | +1.3% | -4.4% | +17.8% | +53.5% | +17.2% | +2.3% | -4.2% | -31.8% | -39.4% | -40.6% | -37.7% | -4.9% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
CVB Financial Corp.'s Debt/EBITDA ratio is 13.3x — elevated, raising questions about debt serviceability. The current ratio has weakened 71.0% YoY to 0.01x, tightening the short-term liquidity position. Debt/Equity has risen for 4 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 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 |
| — | +23.8% | +2.4% | +10.9% | -68.0% | -69.1% | -42.8% | -62.6% | +14.2% | +40.7% | +186.0% | +283.6% | +230.0% | |
| Debt / EBITDA | 3.52 | 13.32 | 13.09 | 12.44 | 10.44 | 10.51 | 12.00 | 11.04 | 32.49 | 29.73 | 16.11 | 23.88 | 21.79 |
| — | +26.8% | +9.1% | +12.7% | -67.9% | -64.7% | -25.5% | -53.8% | +49.1% | +85.1% | +222.2% | +306.3% | +138.9% | |
| Current Ratio | 0.01 | 0.01 | 0.09 | 0.08 | 0.07 | 0.04 | 0.26 | 0.32 | 0.34 | 0.26 | 0.25 | 0.28 | 0.26 |
| — | -71.0% | -66.8% | -73.9% | -80.0% | -82.8% | +2.5% | +15.9% | +27.8% | -2.1% | -8.9% | -11.5% | -28.0% | |
| Quick Ratio | 0.01 | 0.01 | 0.09 | 0.08 | 0.07 | 0.04 | 0.26 | 0.32 | 0.34 | 0.26 | 0.25 | 0.28 | 0.26 |
| — | -71.0% | -66.8% | -73.9% | -80.0% | -82.8% | +2.5% | +15.9% | +27.8% | -2.1% | -8.9% | -11.5% | -28.0% | |
| Interest Coverage | 2.12 | 2.23 | 2.00 | 2.11 | 2.14 | 1.83 | 1.30 | 1.43 | 1.48 | 1.93 | 2.45 | 2.61 | 4.84 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 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 13.7x. The average P/E over the last 4 quarters is 12.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
CVB Financial Corp.'s current operating margin is 43.8%. Margins have been expanding 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.