CVBF

CVB Financial Corp.

Financial Services · USD

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22.58 USD -0.17 -0.75%
As of Oct 30, 2026 Extended hours 22.58 0.00%
Bid
22.58 × 2
Ask
22.59 × 2
22.49 Day range 22.84
18.19 52-week range 23.30
YTD
+21.40%
1 year
+21.66%
Open
22.84
Prev close
22.75
Mkt cap
3.96B
Vol
975.41K
Avg vol
1.29M
EPS
1.51
P/E
14.95
Div yield
3.52%
More statistics
Low
22.49
High
22.84
Forward P/E
11.38
Beta
0.67
Short ratio
6.53
Inst. own
87.62%
Dividend
0.80
Ex-div date
Sep 29, 2026
Earnings
Jan 20, 2027
50-d avg
22.26
200-d avg
21.14
1y target
26.08

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CVBF five-day price chart22.322.522.722.923.2Oct 26Oct 27Oct 28Oct 29Oct 30

Financial health

Altman Z-Score

-0.31 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 2
  • P/B 3

Valuation

P/E 12.2×
FY 2016: 24.4×FY 2017: 24.8×FY 2018: 16.2×FY 2019: 14.6×FY 2020: 15.0×FY 2021: 13.6×FY 2022: 15.4×FY 2023: 12.7×FY 2024: 14.9×FY 2025: 12.2×
FY 2016 5y median 13.6× FY 2025
P/S 3.9×
FY 2016: 8.2×FY 2017: 7.9×FY 2018: 6.1×FY 2019: 6.0×FY 2020: 5.5×FY 2021: 6.2×FY 2022: 6.4×FY 2023: 4.2×FY 2024: 4.5×FY 2025: 3.9×
FY 2016 5y median 4.5× FY 2025
P/B 1.1×
FY 2016: 2.5×FY 2017: 2.4×FY 2018: 1.3×FY 2019: 1.5×FY 2020: 1.3×FY 2021: 1.4×FY 2022: 1.8×FY 2023: 1.3×FY 2024: 1.4×FY 2025: 1.1×
FY 2016 5y median 1.4× FY 2025
P/FCF 11.6×
FY 2016: 22.0×FY 2017: 19.1×FY 2018: 15.3×FY 2019: 14.9×FY 2020: 14.7×FY 2021: 15.2×FY 2022: 13.4×FY 2023: 9.6×FY 2024: 12.1×FY 2025: 11.6×
FY 2016 5y median 12.1× FY 2025
EV/EBITDA 11.5×
FY 2016: 17.7×FY 2017: 15.6×FY 2018: 13.8×FY 2019: 10.5×FY 2020: 4.5×FY 2021: 6.1×FY 2022: 14.5×FY 2023: 14.5×FY 2024: 12.3×FY 2025: 11.5×
FY 2016 5y median 12.3× FY 2025
EV/Sales 5.3×
FY 2016: 9.9×FY 2017: 9.2×FY 2018: 7.5×FY 2019: 6.5×FY 2020: 2.3×FY 2021: 3.8×FY 2022: 8.8×FY 2023: 7.3×FY 2024: 5.3×FY 2025: 5.3×
FY 2016 5y median 5.3× FY 2025
FCF Yield 8.6%
FY 2016: 4.5%FY 2017: 5.2%FY 2018: 6.5%FY 2019: 6.7%FY 2020: 6.8%FY 2021: 6.6%FY 2022: 7.5%FY 2023: 10.4%FY 2024: 8.3%FY 2025: 8.6%
FY 2016 5y median 8.3% FY 2025

Profitability

Gross Margin 79.9%
FY 2016: 99.6%FY 2017: 100.2%FY 2018: 96.5%FY 2019: 94.7%FY 2020: 92.1%FY 2021: 104.4%FY 2022: 96.5%FY 2023: 82.0%FY 2024: 72.9%FY 2025: 79.9%
FY 2016 5y median 82.0% FY 2025
Operating Margin 43.8%
FY 2016: 54.0%FY 2017: 57.9%FY 2018: 52.1%FY 2019: 57.5%FY 2020: 52.1%FY 2021: 63.6%FY 2022: 58.4%FY 2023: 47.4%FY 2024: 41.2%FY 2025: 43.8%
FY 2016 5y median 47.4% FY 2025
Net Margin 32.5%
FY 2016: 33.7%FY 2017: 32.0%FY 2018: 37.5%FY 2019: 41.0%FY 2020: 37.0%FY 2021: 45.4%FY 2022: 41.9%FY 2023: 33.3%FY 2024: 30.5%FY 2025: 32.5%
FY 2016 5y median 33.3% FY 2025
ROE 9.1%
FY 2016: 10.2%FY 2017: 9.8%FY 2018: 8.2%FY 2019: 10.4%FY 2020: 8.8%FY 2021: 10.2%FY 2022: 12.1%FY 2023: 10.7%FY 2024: 9.2%FY 2025: 9.1%
FY 2016 5y median 10.2% FY 2025
ROIC 5.1%
FY 2016: 5.7%FY 2017: 6.1%FY 2018: 5.6%FY 2019: 8.1%FY 2020: 6.6%FY 2021: 7.3%FY 2022: 6.5%FY 2023: 4.8%FY 2024: 6.3%FY 2025: 5.1%
FY 2016 5y median 6.3% FY 2025
ROA 1.3%
FY 2016: 1.3%FY 2017: 1.3%FY 2018: 1.3%FY 2019: 1.8%FY 2020: 1.2%FY 2021: 1.3%FY 2022: 1.4%FY 2023: 1.4%FY 2024: 1.3%FY 2025: 1.3%
FY 2016 5y median 1.3% FY 2025

Growth (YoY)

Revenue -2.3%
FY 2016: 1.9%FY 2017: 8.4%FY 2018: 24.4%FY 2019: 24.9%FY 2020: -5.5%FY 2021: -2.2%FY 2022: 20.1%FY 2023: 18.5%FY 2024: -1.0%FY 2025: -2.3%
FY 2016 FY 2025
Operating Income 3.9%
FY 2016: 7.2%FY 2017: 16.3%FY 2018: 11.8%FY 2019: 37.9%FY 2020: -14.3%FY 2021: 19.3%FY 2022: 10.3%FY 2023: -3.9%FY 2024: -14.0%FY 2025: 3.9%
FY 2016 FY 2025
EPS (diluted) 5.6%
FY 2016: 1.1%FY 2017: 1.1%FY 2018: 31.6%FY 2019: 18.4%FY 2020: -12.2%FY 2021: 20.0%FY 2022: 7.1%FY 2023: -4.8%FY 2024: -9.4%FY 2025: 5.6%
FY 2016 FY 2025
Free Cash Flow -11.2%
FY 2016: 7.8%FY 2017: 20.4%FY 2018: 19.3%FY 2019: 26.1%FY 2020: -11.0%FY 2021: 5.6%FY 2022: 40.8%FY 2023: 8.5%FY 2024: -16.0%FY 2025: -11.2%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.0×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.4×
FY 2016: 0.7×FY 2017: 0.5×FY 2018: 0.4×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.8×FY 2023: 1.1×FY 2024: 0.3×FY 2025: 0.4×
FY 2016 5y median 0.4× FY 2025
Net Debt / EBITDA 3.0×
FY 2016: 3.1×FY 2017: 2.2×FY 2018: 2.6×FY 2019: 0.8×FY 2020: -6.2×FY 2021: -3.8×FY 2022: 3.9×FY 2023: 6.2×FY 2024: 1.9×FY 2025: 3.0×
FY 2016 5y median 3.0× FY 2025
Interest Coverage 2.1×
FY 2016: 20.3×FY 2017: 22.8×FY 2018: 16.5×FY 2019: 13.2×FY 2020: 17.5×FY 2021: 49.0×FY 2022: 35.9×FY 2023: 2.7×FY 2024: 1.5×FY 2025: 2.1×
FY 2016 5y median 2.7× FY 2025

Dividends

Dividend Yield 4.4%
FY 2016: 2.1%FY 2017: 2.2%FY 2018: 2.7%FY 2019: 3.2%FY 2020: 3.7%FY 2021: 3.4%FY 2022: 2.9%FY 2023: 4.0%FY 2024: 3.8%FY 2025: 4.4%
FY 2016 5y median 3.8% FY 2025
Payout Ratio 53.0%
FY 2016: 50.9%FY 2017: 54.6%FY 2018: 43.4%FY 2019: 45.9%FY 2020: 55.6%FY 2021: 46.0%FY 2022: 44.4%FY 2023: 50.4%FY 2024: 55.7%FY 2025: 53.0%
FY 2016 5y median 50.4% FY 2025

Annual · latest fiscal year ends 2025-12-31