CVB Financial Corp. (CVBF) Balance Sheet
CVBF balance sheet, 2025
December 31, 2025 · U.S. dollars$15.63B assets = $13.34B liabilities + $2.30B equity
Both columns are drawn to the same scale: what CVBF owns equals what it owes plus shareholders’ equity. Hover a block for its value.
CVBF financial health
Descriptive bands, not a rating. Fiscal 2025.
CVBF balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $8.07B2016 | $15.63B2025 | +7.6%/yr | |
| Total liabilities | $7.08B2016 | $13.34B2025 | +7.3%/yr | |
| Shareholders’ equity | $990.9M2016 | $2.30B2025 | +9.8%/yr | |
| Cash & short-term investments | $2.44B2016 | $107.5M2025 | −29.3%/yr | |
| Total debt | $131.8M2016 | $990.6M2025 | +25.1%/yr | |
| Net cash (debt) | $2.31B2016 | −$883.1M2025 | −$3.2B | |
| Working capital | $4.69B2016 | −$11.83B2025 | −$16.5B | |
| Book value per share | $9.202016 | $16.892025 | +7.0%/yr | |
| Debt / equity | 0.132016 | 0.432025 | +0.30 | |
| Shares outstanding | 107.7M2016 | 135.9M2025 | +2.6%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
CVBF assets
CVBF liabilities and equity
CVBF debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
CVBF balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $107.5M | $268.9M | $3.25B | $3.47B | $4.94B | $4.40B | $1.93B | $1.91B | $2.24B | $2.44B |
| Cash & equivalents | $107.5M | $205.2M | $289.5M | $213.0M | $1.76B | $2.00B | $188.4M | $171.6M | $162.3M | $169.5M |
| Short-term investments | $2.68B | $63.8M | $2.96B | $3.26B | $3.18B | $2.40B | $1.74B | $1.73B | $2.08B | $2.27B |
| Receivables | $46.7M | $282.8M | $301.3M | $314.2M | $45.9M | $45.5M | $53.1M | $64.2M | $70.2M | $64.6M |
| Inventory | $0 | $0 | −$129.9M | −$455.1M | −$1.83B | −$2.07B | −$263.6M | $92.8M | $62.8M | $67.7M |
| Other current assets | $0 | $13.1M | $139.4M | $463.8M | $1.83B | $2.07B | $263.6M | $6.16B | $2.81B | $2.18B |
| Total current assets | $154.2M | $564.8M | $3.56B | $3.79B | $4.99B | $4.45B | $1.98B | $8.22B | $5.18B | $4.75B |
| Property, plant & equipment (net) | $26.5M | $74.7M | $66.4M | $69.4M | $49.1M | $51.1M | $54.0M | $58.2M | $46.2M | $42.1M |
| Goodwill & intangible assets | $771.6M | $775.8M | $781.1M | $787.6M | $689.1M | $697.3M | $706.7M | $720.3M | $123.4M | $94.5M |
| Long-term investments | $5.15B | $5.04B | $5.49B | $5.81B | $5.11B | $8.26B | $7.50B | $7.70B | $4.78B | $4.34B |
| Other non-current assets | $9.53B | $8.70B | $6.13B | $6.02B | $5.05B | $966.1M | $1.04B | $0 | $0 | $0 |
| Total assets | $15.63B | $15.15B | $16.02B | $16.48B | $15.88B | $14.42B | $11.28B | $11.53B | $8.27B | $8.07B |
| Liabilities | ||||||||||
| Accounts payable | $4.8M | $5.0M | $23.3M | $433,000 | $13.03B | $11.74B | $8.70B | $8.83B | $6.55B | $6.33B |
| Short-term debt | $490.6M | $761.9M | $2.34B | $1.56B | $2.3M | $5.0M | $435.9M | $280.0M | $553.8M | $53.0M |
| Deferred revenue | — | — | −$23.3M | −$433,000 | — | — | — | — | — | — |
| Total current liabilities | $11.99B | $12.72B | $13.77B | $14.40B | $2.3M | $5.0M | $35.6M | $280.0M | $40.0M | $53.0M |
| Long-term debt | $0 | $0 | $0 | $995.0M | $2.3M | $30.8M | $25.8M | $305.8M | $25.8M | $78.8M |
| Other long-term liabilities | $1.35B | $252.0M | $144.5M | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total liabilities | $13.34B | $12.97B | $13.94B | $14.53B | $13.80B | $12.41B | $25.8M | $9.68B | $7.20B | $7.08B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $1.22B | $1.30B | $1.29B | $1.30B | $2.09B | $1.97B | $1.98B | $1.87B | $573.5M | $980.7M |
| Retained earnings (deficit) | $1.30B | $1.20B | $1.11B | $1.00B | $875.6M | $760.9M | $682.7M | $575.8M | $494.4M | $449.5M |
| Treasury stock | — | — | — | — | — | — | — | — | $0 | $0 |
| Accumulated other comprehensive income | −$227.7M | −$312.1M | −$323.6M | −$354.8M | −$4.0M | $35.3M | $12.6M | −$18.3M | $1.5M | $10.2M |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $2.30B | $2.19B | $2.08B | $1.95B | $2.08B | $2.01B | $11.26B | $1.85B | $1.07B | $990.9M |
| Key figures | ||||||||||
| Total debt | $990.6M | $761.9M | $2.34B | $1.56B | $2.3M | $35.8M | $461.7M | $585.8M | $579.5M | $131.8M |
| Net cash (debt) | −$883.1M | −$492.9M | $904.0M | $1.91B | $4.94B | $4.36B | $1.47B | $1.32B | $1.66B | $2.31B |
| Working capital | −$11.83B | −$12.15B | −$10.21B | −$10.61B | $4.99B | $4.44B | $1.95B | $7.94B | $5.14B | $4.69B |
| Tangible book value | $1.52B | $1.41B | $1.30B | $1.16B | $1.39B | $1.31B | $10.55B | $1.13B | $945.9M | $896.3M |
| Book value per share | $16.89 | $15.78 | $15.01 | $13.92 | $15.38 | $14.74 | $80.44 | $15.18 | $9.74 | $9.20 |
| Shares outstanding | 135.9M | 138.6M | 138.5M | 140.0M | 135.4M | 136.2M | 139.9M | 122.0M | 109.8M | 107.7M |
| Current ratio | 0.01 | 0.04 | 0.26 | 0.26 | 2,186.94 | 889.24 | 55.69 | 29.37 | 129.44 | 89.58 |
| Quick ratio | 0.01 | 0.04 | 0.26 | 0.26 | 2,186.94 | 889.24 | 55.69 | 7.04 | 57.77 | 47.26 |
| Debt / equity | 0.43 | 0.35 | 1.13 | 0.80 | 0.00 | 0.02 | 0.04 | 0.32 | 0.54 | 0.13 |
| Equity / assets | 14.7% | 14.4% | 13.0% | 11.8% | 13.1% | 13.9% | 99.8% | 16.1% | 12.9% | 12.3% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $6.78B | $138.6M | $107.5M | $852.6M | $807.3M | $597.3M | $268.9M | $2.94B | $3.60B | $3.80B | $3.25B | $3.12B |
| Cash & equivalents | $1.10B | $138.6M | $107.5M | $797.1M | $749.6M | $532.5M | $205.2M | $477.8M | $851.5M | $962.2M | $289.5M | $244.8M |
| Short-term investments | $5.68B | $2.59B | $2.68B | $55.5M | $57.7M | $64.7M | $63.8M | $2.47B | $2.75B | $2.84B | $2.96B | $2.87B |
| Receivables | $60.7M | $44.1M | $46.7M | $266.5M | $261.5M | $258.7M | $282.8M | $268.3M | $300.4M | $300.5M | $301.3M | $335.2M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$523.2M | −$893.5M | −$997.5M | −$129.9M | −$504.6M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $13.1M | $523.2M | $893.5M | $997.5M | $139.4M | $504.6M |
| Total current assets | $6.78B | $138.6M | $154.2M | $1.12B | $1.07B | $855.9M | $564.8M | $3.21B | $3.90B | $4.10B | $3.56B | $3.45B |
| Property, plant & equipment (net) | $33.1M | $26.9M | $26.5M | $26.6M | $26.6M | $26.8M | $74.7M | $36.3M | $43.2M | $43.4M | $66.4M | $44.6M |
| Goodwill & intangible assets | $1.22B | $770.7M | $771.6M | $772.5M | $773.5M | $774.6M | $775.8M | $777.0M | $778.2M | $779.7M | $781.1M | $782.6M |
| Long-term investments | $5.68B | $4.84B | $5.15B | $4.88B | $4.81B | $4.89B | $5.04B | $4.87B | $5.18B | $5.29B | $5.49B | $5.36B |
| Other non-current assets | $7.47B | $9.73B | $9.53B | $8.87B | $8.73B | $8.71B | $8.70B | $6.51B | $6.26B | $6.25B | $6.13B | $6.26B |
| Total assets | $21.18B | $15.51B | $15.63B | $15.67B | $15.41B | $15.26B | $15.15B | $15.40B | $16.15B | $16.47B | $16.02B | $15.90B |
| Liabilities | ||||||||||||
| Accounts payable | $6.5M | $4.3M | $4.8M | $4.6M | $4.6M | $4.4M | $5.0M | $6.7M | $34.4M | $45.4M | $23.3M | — |
| Short-term debt | $1.06B | $494.3M | $490.6M | $951.3M | $704.2M | $776.2M | $761.9M | $394.5M | $268.8M | $275.7M | $2.34B | $1.39B |
| Deferred revenue | — | — | — | — | — | — | — | — | −$34.4M | −$45.4M | −$23.3M | — |
| Total current liabilities | $17.35B | $494.3M | $11.99B | $13.08B | $12.69B | $12.77B | $12.72B | $12.47B | $12.09B | $12.22B | $13.80B | $13.75B |
| Long-term debt | $39.0M | $0 | $0 | $0 | $200.0M | $0 | $0 | $500.0M | $500.0M | $2.00B | $0 | $1.12B |
| Other long-term liabilities | $622.0M | $12.69B | $1.35B | $304.0M | $280.3M | $257.7M | $252.0M | $231.7M | $1.45B | $170.3M | $144.5M | $0 |
| Total liabilities | $18.01B | $13.19B | $13.34B | $13.38B | $13.17B | $13.03B | $12.97B | $13.21B | $14.04B | $14.38B | $13.94B | $13.95B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $2.06B | $1.22B | $1.22B | $1.26B | $1.26B | $1.28B | $1.30B | $1.29B | $1.29B | $1.29B | $1.29B | $1.29B |
| Retained earnings (deficit) | $1.34B | $1.32B | $1.30B | $1.27B | $1.25B | $1.22B | $1.20B | $1.18B | $1.16B | $1.13B | $1.11B | $1.09B |
| Accumulated other comprehensive income | −$228.1M | −$225.0M | −$227.7M | −$247.8M | −$268.1M | −$277.3M | −$312.1M | −$274.8M | −$334.3M | −$335.3M | −$323.6M | −$427.1M |
| Total shareholders' equity | $3.17B | $2.32B | $2.30B | $2.28B | $2.24B | $2.23B | $2.19B | $2.20B | $2.11B | $2.09B | $2.08B | $1.95B |
| Key figures | ||||||||||||
| Total debt | $1.10B | $994.3M | $990.6M | $951.3M | $904.2M | $776.2M | $761.9M | $894.5M | $768.8M | $2.27B | $2.34B | $1.39B |
| Net cash (debt) | $5.68B | −$855.6M | −$883.1M | −$98.7M | −$96.9M | −$178.9M | −$492.9M | $2.05B | $2.83B | $1.53B | $904.0M | $1.73B |
| Working capital | −$10.57B | −$355.6M | −$11.83B | −$11.96B | −$11.62B | −$11.91B | −$12.15B | −$9.26B | −$8.20B | −$8.12B | −$10.24B | −$10.30B |
| Tangible book value | $1.95B | $1.55B | $1.52B | $1.51B | $1.47B | $1.45B | $1.41B | $1.42B | $1.33B | $1.31B | $1.30B | $1.17B |
| Book value per share | $23.32 | $17.08 | $16.89 | $16.49 | $16.06 | $16.00 | $15.77 | $15.83 | $15.23 | $15.06 | $15.00 | $14.09 |
| Shares outstanding | 135.9M | 135.9M | 135.9M | 138.4M | 139.5M | 139.3M | 138.7M | 138.8M | 138.7M | 138.6M | 138.6M | 138.5M |
| Current ratio | 0.39 | 0.28 | 0.01 | 0.09 | 0.08 | 0.07 | 0.04 | 0.26 | 0.32 | 0.34 | 0.26 | 0.25 |
| Quick ratio | 0.39 | 0.37 | 0.01 | 0.09 | 0.08 | 0.07 | 0.04 | 0.26 | 0.32 | 0.34 | 0.26 | 0.25 |
| Debt / equity | 0.35 | 0.43 | 0.43 | 0.42 | 0.40 | 0.35 | 0.35 | 0.41 | 0.36 | 1.09 | 1.13 | 0.71 |
| Equity / assets | 15.0% | 15.0% | 14.7% | 14.6% | 14.5% | 14.6% | 14.4% | 14.3% | 13.1% | 12.7% | 13.0% | 12.3% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed February 27, 2026); data from EODHD.
CVBF financial position
At the end of fiscal 2025 (December 31, 2025), CVB Financial had total assets of $15.6 billion (up 3.2% from a year earlier), total liabilities of $13.3 billion and shareholders' equity of $2.3 billion. It held $107.5 million in cash and short-term investments against $990.6 million of debt, net debt of $883.1 million. Its current ratio was 0.01. In the latest quarter (ended June 30, 2026) total assets were $21.2 billion and equity $3.2 billion.
Related: CVBF income statement, CVBF cash flow statement, CVBF key metrics. See the CVBF stock overview for the latest quote and news.
CVBF balance sheet FAQ
What are CVB Financial's total assets?
CVB Financial reported total assets of $15.6 billion at the end of fiscal 2025 (December 31, 2025), compared with $15.2 billion a year earlier.
How much debt does CVB Financial have?
CVB Financial had $990.6 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.43.
How much cash does CVB Financial have?
CVB Financial held $107.5 million in cash and short-term investments at the end of fiscal 2025; with $990.6 million of debt that is net debt of $883.1 million.
What is CVB Financial's book value?
CVB Financial's shareholders' equity (book value) was $2.3 billion at the end of fiscal 2025, or $16.89 per share.
What is CVB Financial's current ratio?
CVB Financial had current assets of $154.2 million and current liabilities of $12.0 billion, a current ratio of 0.01 (current liabilities exceed current assets).
How much goodwill does CVB Financial have?
CVB Financial carried $771.6 million of goodwill and intangible assets, 4.9% of total assets, at the end of fiscal 2025.