CVB Financial Corp. (CVBF) AI Stock Analysis

CVB Financial Corp. operates as the holding company for Citizens Business Bank, serving small to mid-sized businesses and individual clients. Headquartered in Ontario, California, the bank provides deposit products including checking, savings, money market accounts, and certificates of deposit. Its core lending operations include commercial lines of credit, working capital financing, accounts receivable lending, and specialized loans for agricultural enterprises like dairy farms and livestock raisers. The company also offers municipal lease financing, consumer financing such as mortgages and auto loans, and treasury management services including merchant processing, payroll, and remote deposit capture.

Between FY2021 and FY2025, annual revenue expanded from $467.8M to $643.4M, representing a 5-year compound annual growth rate of 6.1%. Following revenue peaks of $665.7M in FY2023, revenue declined 1.0% in FY2024 to $658.7M and 2.3% in FY2025 to $643.4M. Net income for FY2025 totaled $209.3M, or $1.51 per share, reflecting a net margin of 32.5% and an operating margin of 43.8%. In the latest quarter ended June 30, 2026, quarterly revenue grew 42.0% year-over-year, while quarterly earnings declined 21.6%. Over the trailing twelve months, revenue reached $572.5M with diluted EPS of $1.43.

As of June 30, 2026, CVB Financial Corp. held $6.78B in cash and short-term investments against total debt of $1.10B, resulting in net cash of $5.68B. Total assets stood at $21.18B and shareholders' equity was $3.17B, with a debt-to-equity ratio of 0.35 and a current ratio of 0.39. In FY2025, operating cash flow reached $221.4M and free cash flow was $217.3M after capital expenditures of $4.1M. Capital allocation in FY2025 included $81.1M directed toward share buybacks and $111.0M paid out in common dividends.

CVBF trades at a trailing price-to-earnings ratio of 15.3x and a forward P/E of 11.5x, compared to medians of 12.1x and 10.8x for the US-listed Financial Services peer group. The stock's price-to-sales multiple of 6.7x also exceeds the peer median of 3.2x, while its price-to-book ratio is 1.3x. CVBF has generated a 1-year return of 25.0%, outperforming the 16.8% return for the S&P 500, but its 5-year return of 33.9% trails the S&P 500 return of 83.0%.

CVBF pays an annual forward dividend of $0.80 per share, which equates to a 3.66% dividend yield. Dividends are paid quarterly with a payout ratio of 49.7%. The bank has paid dividends for 38 consecutive years, though its 5-year annualized dividend growth rate stands at -2.3%. The most recent ex-dividend date was September 30, 2026.

Wall Street coverage includes 1 Strong Buy, 3 Buys, and 2 Holds, with no Sell ratings. The average price target is $26.17, representing an upside of 19.6% from the closing price of $21.87 on October 16, 2026. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $1.74 on revenue of $700.1M. For the following fiscal year, 6 analysts forecast 15.0% revenue growth to $805.2M. The company beat EPS estimates in 3 of the last 4 quarters, with its next earnings report scheduled for October 21, 2026.

This page is an AI-written research summary of CVB Financial Corp. (CVBF). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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