CVB Financial Corp. (CVBF) Stock

CVB Financial Corp. (CVBF) is a Financials stock trading at $22.51 (as of 2026-08-20), with a market capitalization of $3.96B and a trailing P/E of 19.1. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

CVB Financial Corp. is a bank holding company for Citizens Business Bank, a state-chartered bank providing banking and financial services. It offers deposit accounts, commercial and consumer lending, and related services such as treasury management, merchant card processing, payroll, remote deposit capture, and electronic funds transfer for businesses and individuals.

Understand CVB Financial Corp.: how it makes money

CVB Financial Corp. is a bank holding company for Citizens Business Bank, earning money by taking deposits and extending loans and other lending products to small to mid-sized businesses and individuals, supported by deposit and loan fees and any trust-related revenues.

Bank profits flow from pre-provision earnings on lending and related services, then get pressured or supported by credit outcomes (classified, non-performing, and delinquent loans).

Revenue by segment (latest quarter)
PPNR$0.1B
Trust$0.0B
Other$0.0B

Business quality (Solid): The business shows strong profitability before and after costs in the latest quarter (operating margin 46.0%), but credit metrics to watch are meaningfully sized, including classified loans (0.08 USD_B) and non-performing items (non-performing loans 0.01 USD_B, non-performing assets 0.03 USD_B).

Valuation: At 14× earnings, CVBF trades 9% above the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Loan pipeline activity: New Loan Commitments were 0.48 USD_B in the latest quarter, which can support future interest income if commitments convert into funded loans.
  • Deposit mix tailwind: Non-Interest-Bearing Deposits were 59.0% of average deposits, which can help the bank keep funding costs lower than fully interest-bearing deposits.
  • Profitability remains strong: Operating margin was 46.0% for the quarter ended 2026-03-31.

Bear case

  • Credit quality risk: Classified Loans were 0.08 USD_B, and Non-Performing Loans were 0.01 USD_B (Non-Performing Assets were 0.03 USD_B), indicating credit issues that can lead to higher provisions.
  • Trust revenue appears limited in the provided segment data: The provided segment revenue candidate shows CitizensTrust Revenues at 0.0 USD_B, suggesting limited contribution from this line (based on the data provided).
Valuation — source: SEC EDGAR (first-party)
Price$22.51
Market Cap$3.96B
P/E Ratio19.1
EV / EBITDA9.1
Price / Book1.25
Price / Sales6.03
FCF Yield14.5%
DCF Value (model)$27.13
DCF Upside vs Price20.5%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$593.30M
Net Margin35.3%
Revenue Growth (YoY)40.2%
EPS Growth (YoY)-21.6%
FCF Growth (YoY)641.3%
Valuation vs Sector & Industry
Stock P/E19.1
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
vs Sector26.5%
vs Industry48.2%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($368.92M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEODavid A. Brager
Employees1,089
CountryUS
IPO Date1983-04-04

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CVBF earnings history · CVBF institutional & insider holders · CVBF KPIs & operating metrics · CVBF financials · CVBF investor presentations & press releases · CVBF SEC filings · CVBF peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.