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CVB FINANCIAL CORP

CVBF

$22.64 ▼ -0.07 (-0.31%) at close

18 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

CVB FINANCIAL CORP shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $3.1B

Dividend Yield 3.53%

Revenue Growth 2.7% ↗

Op. Margin 60.9% ↘

ROIC None

FCF / Share None

Trailing P/E 14.9x

Price / Book 1.3x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$515.46M

↑ +2.7% —

Net Income Profit after all expenses

$209.30M

↑ +4.3% —

Operating Margin Operating profit as % of sales

60.9%

↓ -2.6% 98th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.80 Latest / share

+0.0% YoY

+6.5% 12-yr CAGR

$0.40

FY 2014

$0.48

FY 2015

$0.48

FY 2016

$0.54

FY 2017

$0.56

FY 2018

$0.72

FY 2019

$0.72

FY 2020

$0.72

FY 2021

$0.77

FY 2022

$0.80

FY 2023

$0.80

FY 2024

$0.80

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	2.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-55%)	-8.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-239%)	-1.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-125%)	20.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+238%)	-0.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-114%)	-5.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-197%)	26.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+334%)	22.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+271%)	9.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+62%)	2.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-64%)	4.9% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-18%)	13.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+116%)	-4.5% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-174%)	-6.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-199%)	-15.0% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-350%)	4.3% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-28%)	—	—
EPS Growth YoY (%)	5.6% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-9.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-4.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	6.4% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	20.8% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-12.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	18.4% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	31.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	1.1% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	1.1% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-5.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	7.7% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	23.0% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-3.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	30.5% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	5.4% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	4.3% Caution ↑ Caution Improving Year-over-year change in net income	-9.4% Weak ↓ Weak Declining Year-over-year change in net income	-5.9% Weak ↓ Weak Declining Year-over-year change in net income	10.8% Fair ↓ Fair Declining Year-over-year change in net income	20.0% Good ↓ Good Declining Year-over-year change in net income	-14.8% Weak ↓ Weak Declining Year-over-year change in net income	36.7% Excellent ↑ Excellent Improving Year-over-year change in net income	45.6% Excellent ↑ Excellent Improving Year-over-year change in net income	2.9% Caution ↑ Caution Improving Year-over-year change in net income	2.3% Caution ↓ Caution Declining Year-over-year change in net income	-4.7% Weak ↓ Weak Declining Year-over-year change in net income	8.8% Fair ↓ Fair Declining Year-over-year change in net income	23.7% Good ↑ Good Improving Year-over-year change in net income	-5.4% Weak ↓ Weak Declining Year-over-year change in net income	29.9% Excellent Excellent Year-over-year change in net income	-3.8% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-2.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.8% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	3.9% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.6% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	13.2% Good ↑ Good Improving Compound annual revenue growth over 3 years	19.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	11.1% Good ↑ Good Improving Compound annual revenue growth over 3 years	5.6% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.6% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.2% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	0.5% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-8.6% Weak Weak Compound annual revenue growth over 3 years	-5.9% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	2.0% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	0.3% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	6.9% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	11.6% Good ↑ Good Improving Compound annual revenue growth over 5 years	9.6% Good ↓ Good Declining Compound annual revenue growth over 5 years	10.2% Good ↑ Good Improving Compound annual revenue growth over 5 years	12.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	10.2% Good ↑ Good Improving Compound annual revenue growth over 5 years	4.9% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	1.7% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	-2.0% Weak Weak Compound annual revenue growth over 5 years	-2.1% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-3.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-2.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	6.9% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	4.1% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	7.9% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	11.0% Good ↑ Good Improving Compound annual EPS growth over 3 years	16.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	10.4% Good ↑ Good Improving Compound annual EPS growth over 3 years	-1.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	1.1% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	7.9% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	8.4% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	15.5% Excellent Excellent Compound annual EPS growth over 3 years	9.7% Fair Fair Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	60.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+144%)	62.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+150%)	57.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+129%)	0.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-100%)	64.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+158%)	53.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+114%)	58.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+135%)	53.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+115%)	58.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+135%)	55.5% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+122%)	52.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+111%)	59.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+139%)	59.7% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+139%)	45.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+81%)	—	—	—	—
Effective Tax Rate (%) (%)	25.7% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.0% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.8% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.3% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.6% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.0% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.6% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.0% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	44.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.5% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.5% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	33.7% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.6% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—
Profit Margin (%) (%)	40.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+85%)	40.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+82%)	40.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+84%)	42.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+93%)	46.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+109%)	38.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+73%)	42.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+91%)	38.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+76%)	32.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	34.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	34.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+57%)	38.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+73%)	39.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+80%)	30.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	30.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	19.9% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	21.6% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	2.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	9.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	9.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	10.7% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-11%)	12.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	8.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	10.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	8.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	9.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	10.2% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	10.7% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-11%)	11.8% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.1% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	11.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	9.8% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	10.3% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	—	—	0.48x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-60%)	0.51x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-57%)	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—	—	—	—	—	—	0.63x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-48%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$3.77	$3.63	$3.96	$3.98	$3.42	$3.43	$3.54	$3.23	$2.93	$2.73	$2.71	$2.59	$2.31	$2.42	$2.56	$2.99	$3.26	—
Basic EPS, GAAP (USD)	$1.52	$1.44	$1.59	$1.67	$1.57	$1.30	$1.48	$1.25	$0.95	$0.94	$0.93	$0.98	$0.91	$0.74	$0.77	$0.59	$0.56	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.80	$0.80	$0.80	$0.77	$0.72	$0.72	$0.72	$0.56	$0.54	$0.48	$0.48	$0.40	$0.39	$0.34	$0.34	$0.34	$0.34	—
Book Value per Share (USD)	$16.93	$15.65	$14.91	$13.94	$15.36	$14.81	$14.23	$13.22	$9.70	$9.15	$8.68	$8.29	$7.33	$7.27	$6.84	$6.07	$6.87	—
Tangible Book Value per Share (USD)	$11.28	$10.17	$9.42	$8.46	$10.46	$9.91	$9.50	$8.46	$8.65	$8.33	$7.98	$7.59	$6.80	$6.75	$6.31	$5.55	$6.87	—
Basic Weighted Avg Shares (shares)	136.76M	138.41M	138.33M	139.65M	135.16M	136.03M	139.76M	121.67M	109.41M	107.28M	105.72M	105.24M	104.73M	104.42M	105.14M	105.88M	92.95M	—
Dividend Payout Ratio (%)	52.6% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	55.6% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	50.3% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	46.1% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	45.9% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	55.4% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	48.6% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	44.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	56.8% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	51.1% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	51.6% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	40.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	42.3% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	45.9% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	44.2% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	57.6% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	60.7% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	$450.00M	—	—	—
Total Equity (USD)	$2.30B	$2.19B	$2.08B	$1.95B	$2.08B	$2.01B	$1.99B	$1.85B	$1.07B	$990.86M	$923.40M	$878.11M	$771.89M	$762.97M	$714.81M	$643.86M	$638.23M	$614.89M

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$515.46M	$501.82M	$547.32M	$555.50M	$461.94M	$465.92M	$494.81M	$392.53M	$321.05M	$292.63M	$286.43M	$272.93M	$241.55M	$252.85M	$268.90M	$316.43M	$303.33M	—
Net Income, GAAP (USD)	$209.30M	$200.72M	$221.44M	$235.43M	$212.52M	$177.16M	$207.83M	$152.00M	$104.41M	$101.43M	$99.14M	$104.02M	$95.61M	$77.28M	$81.73M	$62.94M	$65.42M	—
Operating Cash Flow (USD)	$221.41M	$249.76M	$295.63M	$273.73M	$195.24M	$185.10M	$208.18M	$164.95M	$138.41M	—	—	—	$111.81M	$154.76M	$130.02M	$102.86M	$66.67M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	2.9%	3.0%	3.0%	3.1%	2.6%	2.9%	3.9%	3.0%	3.4%	3.2%	3.3%	3.2%	3.2%	3.7%	3.6%	4.0%	3.3%	—
Efficiency Ratio (%) (%)	46.0%	46.5%	42.0%	39.0%	41.1%	41.4%	40.2%	45.8%	43.8%	46.7%	49.1%	46.3%	47.2%	54.6%	52.4%	53.2%	44.0%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 66 quarters

CVB FINANCIAL CORP

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