CVBF
CVB Financial Corp.
CVBF's fundamentals are mixed: revenue grew 27%, but its operating margin fell 6 points to 49%. At 15x earnings, it's trading in line with its usual 14x. Analysts expect strong earnings growth.
CVBF Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
CVBF's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CVBF.
CVBF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $17.13 | -24% |
| Forward | 12x | $22.48 | — |
| Fair | 14x | $20.54 | -8.6% |
| Expensive | 15x | $23.56 | +4.8% |
| Current | 15x | $22.48 | — |
Historical ranges are pointers, not guarantees.
CVBF's PE is in its expensive range at 15x. If earnings grow as analysts expect, today's price would be 12x next year's earnings, in its cheap range.
CVBF Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for CVBF, with profitability improving.
CVBF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.92 | +26% |
| Q3 2026 | $1.52 | +3.4% |
| Q2 2026 | $1.46 | 0% |
| Q1 2026 | $1.54 | +6.2% |
| Q4 2025 | $1.52 | +5.6% |
| Q3 2025 | $1.47 | +2.8% |
| Q2 2025 | $1.46 | -1.4% |
| Q1 2025 | $1.45 | -4.6% |
| Q4 2024 | $1.44 | -9.4% |
CVBF earned $1.52 per share over the past year, up 3.4% from the year before.
CVBF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $195.6M | +52% |
| Q2 2026 | $179.4M | +42% |
| Q1 2026 | $132.1M | +4.3% |
| Q4 2025 | $133.9M | +8.4% |
| Q3 2025 | $128.6M | +1.7% |
| Q2 2025 | $126.4M | +0.9% |
| Q1 2025 | $126.7M | +0.1% |
| Q4 2024 | $123.5M | -11% |
CVBF's revenue has grown year over year for seven quarters in a row: $196M last quarter, up 52% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 54% | +0.6 points |
| Q2 2026 | 36% | -18 points |
| Q1 2026 | 52% | -3 points |
| Q4 2025 | 56% | +0.5 points |
| Q3 2025 | 54% | +0.2 points |
| Q2 2025 | 54% | -0.4 points |
| Q1 2025 | 55% | +2.1 points |
| Q4 2024 | 55% | +1.2 points |
CVBF's operating margin was 54% last quarter, up 0.6 points from the same quarter a year ago.
CVBF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $137.8M | +71% |
| Q2 2026 | $387.4M | +641% |
| Q1 2026 | $61.2M | +49% |
| Q4 2025 | $43.2M | -41% |
| Q3 2025 | $80.7M | +15% |
| Q2 2025 | $52.3M | +114% |
| Q1 2025 | $41.2M | -47% |
| Q4 2024 | $72.8M | +55% |
CVBF's free cash flow was $630M over the past year, up 155% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CVBF.
CVBF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +4.8% | +8M shares |
| 1 year | +28% | +38M shares |
| 3 years | +26% | +36.7M shares |
| 5 years | +29% | +39.8M shares |
| Available history | +25% | +35.2M shares |
CVBF has 175M diluted shares, up 28% from a year ago, despite $56M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $17.6M |
| Q2 2026 | $2.1M |
| Q1 2026 | $3.1M |
| Q4 2025 | $33.8M |
| Q3 2025 | $6.1M |
| Q2 2025 | $22.5M |
| Q1 2025 | $18.7M |
| Q4 2024 | $193,000 |
CVBF spent $56M buying back its own shares over the past year, up 19% from the year before.
CVBF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.0x | Very low |
| Q2 2026 | -1.9x | Net Cash |
| Q1 2026 | 0.2x | Very low |
| Q4 2025 | 0.4x | Very low |
| Q3 2025 | 21.0x | High |
| Q2 2025 | 20.7x | High |
| Q1 2025 | -0.1x | Net Cash |
| Q4 2024 | 2.8x | Moderate |
CVBF's net debt is about a year of its operating earnings (EBITDA), down from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like CVBF.
CVBF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.6 | Neutral |
| Stochastic | 56.7 | Neutral |
CVBF's weekly RSI is 55 (neutral) and its Stochastic is 57 (neutral).
CVBF PE vs Financial Services Sector
| Metric | CVBF | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 14% above |
| PE % | 70 | 63 | 7 pts above |
CVBF is trading at 15x earnings, a 14% premium to the Financial Services sector's median of 13x.
CVBF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $22.4 | 0.5% above |
| 20 week MA | $22.5 | 0.2% below |
| 50 week MA | $21.0 | 7% above |
| 100 week MA | $20.2 | 11% above |
| 200 week MA | $19.1 | 18% above |
CVBF's trend is mixed: it's above four of its five weekly moving averages, and 18% above its 200-week average.
CVBF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $21.5 | $19.6 | -8.8% |
| 2021 | $19.6 | $21.5 | +9.6% |
| 2022 | $21.5 | $26.2 | +22% |
| 2023 | $26.2 | $20.2 | -23% |
| 2024 | $20.2 | $22.0 | +8.7% |
| 2025 | $22.0 | $19.6 | -11% |
| 2026 YTD | $19.6 | $22.5 | +15% |
CVBF has finished lower in three of the last six years. It's up 15% so far in 2026.