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19.66 USD
P/E
12.49
EPS
1.52
Yield
4.07%
Safety Score
81
P/B
1.12
ROE
9.34
Beta
0.68
Target Price
22.88 USD
CVB Financial Corp. logo

CVB Financial Corp.

🧾 Earnings Recap – Q3 2025

CVB Financial Corporation reported strong Q3 2025 results with net earnings of $52.6 million, marking its 194th consecutive quarter of profitability. The results were buoyed by a growth in net interest income, despite facing higher provisions for credit losses.

  • Net earnings increased to $52.6 million ($0.38 per share), up from $50.6 million in Q2 2025 and $51.2 million in Q3 2024.
  • Net interest income rose by $4 million quarter-over-quarter, supported by a growing volume of average earning assets, which increased by $315 million.
  • Total loans grew $112 million during Q3 2025, with notable increases in C&I and dairy/livestock loan segments, despite an annual decline in total loans.
  • Nonperforming loans decreased significantly to $28.5 million, enhancing asset quality, and a $20 million nonperforming loan was paid off subsequently.
  • The efficiency ratio remained stable at 45.6%, while total deposits increased by $170 million to reach $12.6 billion.
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Key Metrics
Earnings dateApril 22, 2026
P/E12.49
EPS1.52
Book Value16.93
Price to Book1.12
% Insiders6.255%
Growth
Revenue Growth0.08%
Earnings Growth0.11%
Estimates
Forward P/E10.07
Forward EPS1.89
Target Mean Price22.88
Dividend
Dividend Yield4.07%
Annual dividends0.80 USD
Ex-Div. DateApril 1, 2026
Payout53.03%
5y avg Yield3.89%

DCF Valuation

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DCF Result

Fair Value (DCF)
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Upside
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Terminal PV
Σ PV of FCFs
Note: historical bars show reported FCF (for context); forward bars show PV of projected FCF; if no per-year data, totals are shown.

CVB Financial Corp. Logo CVB Financial Corp. Analysis (CVBF)

United States Financials Official Website Stock

Is CVB Financial Corp. a good investment? CVB Financial Corp. (CVBF) is currently trading at 19.66 USD. Market analysts have a consensus price target of 22.88 USD. This suggests a potential upside from current levels.

In terms of valuation, the stock trades at a P/E ratio of 12.49. This relatively low multiple may signal that CVB Financial Corp. is undervalued compared to historical market norms.

Earnings Schedule: CVB Financial Corp. is expected to release its next earnings report on April 22, 2026. The market consensus estimate for Forward EPS is 1.89.

For income investors, CVB Financial Corp. pays a dividend yield of 4.07%. With a payout ratio of 53%, the dividend appears sustainable.

Investor FAQ

Does CVB Financial Corp. pay a dividend?

Yes, it pays an annual dividend of 0.80 USD (4.07% yield).

What asset class is CVB Financial Corp.?

CVB Financial Corp. is classified as a Stock. You can compare it against its peer in the "Related Symbols" list.

When is the next earnings date?

The next earnings date is projected to be April 22, 2026. The company currently has a trailing EPS of 1.52.

Company Profile

CVB Financial Corp. operates as bank holding company for Citizens Business Bank, National Association, a state-chartered bank that provides banking and financial services to small to mid-sized businesses and individuals. The company offers checking, savings, money market, and certificates of time deposit products for business and personal accounts, municipalities and districts, and specialized deposit products for title and escrow; and serves as a federal tax depository for business customers. It also provides commercial lending products comprising lines of credit and other working capital financing, accounts receivable lending, and letters of credit; agriculture loans to finance the operating needs of wholesale dairy farm operations, cattle feeders, livestock raisers, and farmers; lease financing services for municipal governments; commercial real estate and construction loans; consumer financing products, including automobile leasing and financing, lines of credit, credit cards, home mortgages, and home equity loans; and equipment and vehicle leasing services. In addition, the company offers various specialized services, such as treasury management systems for monitoring and managing cash flow, a merchant card processing program, armored pick-up and delivery, payroll services, remote deposit capture, electronic funds transfers, wires and automated clearinghouse, and online account access; and foreign exchange and letters of credit services. Further, it provides financial and trust services, such as fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. CVB Financial Corp. was founded in 1974 and is headquartered in Ontario, California.

Exchange Ticker
NMS (United States) CVBF
Dividend Yield

4.07% (5y avg: 3.89%)

Annual Dividends

0.80 USD

Next ex. div date

April 1, 2026

Payout Ratio

53.03%

Historical Dividends
Year Total Dividends
2027 0.21 USD
2026 0.81 USD
2025 0.80 USD
2024 0.80 USD
2023 0.80 USD
2022 0.75 USD
2021 0.72 USD
2020 0.72 USD
2019 0.68 USD
2018 0.56 USD
2017 0.52 USD
2016 0.48 USD
2015 0.46 USD
2014 0.40 USD
2013 0.29 USD
2012 0.43 USD
2011 0.34 USD
2010 0.34 USD
2009 0.34 USD
2008 0.34 USD
2007 0.34 USD
2006 0.36 USD
2005 0.44 USD
2004 0.49 USD
2003 0.48 USD
2002 0.53 USD
2001 0.55 USD
2000 0.48 USD
1999 0.48 USD
1998 0.40 USD
1997 0.40 USD
1996 0.32 USD
1995 0.40 USD
1994 0.32 USD
1993 0.42 USD
1992 0.32 USD
1991 0.28 USD
1990 0.26 USD

Yearly aggregated dividends

Dividends

CVB Financial Corp.
Apr 15, 2026 Upcoming
Dividend
0.2 USD
CVB Financial Corp.
Jan 13, 2026 Paid
Dividend
0.2 USD
CVB Financial Corp.
Oct 16, 2025 Paid
Dividend
0.2 USD
CVB Financial Corp.
Jul 24, 2025 Paid
Dividend
0.2 USD

Historical Split Corporate Actions

Split Date Split Ratio to 1
Feb. 1, 2000 1.250000
Jan. 3, 2001 1.100000
Jan. 22, 2002 1.250000
Jan. 22, 2003 1.250000
Dec. 30, 2003 1.100000
Jan. 14, 2005 1.250000
Jan. 27, 2006 1.250000
Jan. 3, 2007 1.100000
Dec. 29, 1998 1.100000
Jan. 21, 1998 1.500000
Jan. 2, 1997 1.100000
Jan. 4, 1996 1.100000
Jan. 3, 1995 1.100000
Dec. 28, 1993 1.100000
Dec. 28, 1992 1.100000
Nov. 7, 1989 2.000000
March 17, 1989 1.250000
April 4, 1988 1.500000
April 1, 1987 1.250000
Feb. 18, 1986 1.250000
Dec. 10, 1984 1.100000
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