Full text
Earnings transcript
Read the complete earnings call transcript.
CVBF
CVB Financial Corp.
$22.22
-0.19
(-0.83%)
| Exchange: | NASDAQ |
| Market Cap: | 3.187B |
| Shares Outstanding: | 53.401M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | David A. Brager | |||||
| Full Time Employees: | 1079 | |||||
| Address: |
| |||||
| Website: | https://www.cbbank.com |
CVB Financial Corp. (CVBF) serves as the parent organization for Citizens Business Bank, a state-chartered financial institution that delivers a broad spectrum of banking and financial services. The bank primarily caters to individuals and small to medium-sized businesses. Its product offerings include a full range of deposit accounts, such as checking, savings, money market accounts, and certificates of deposit (CDs), available for both personal and business clients. Citizens Business Bank also functions as an authorized depository for federal tax payments. On the lending side, CVBF provides diverse commercial financing options, including lines of credit, working capital solutions, accounts receivable financing, and letters of credit. It extends specialized agricultural loans to support the operational needs of wholesale dairy farms, cattle feeders, livestock raisers, and other farmers. The bank also facilitates lease financing for municipal governments and offers loans for commercial real estate and construction projects. For individual consumers, financing products encompass automobile leases and loans, lines of credit, credit cards, home mortgages, and home equity lines of credit (HELOCs). Beyond core banking, the company delivers various specialized services, such as treasury management systems for cash flow monitoring, merchant card processing, secure armored pick-up and delivery, payroll solutions, remote check deposit, and a suite of electronic fund transfer capabilities including wires, ACH, and comprehensive online account access. Through its CitizensTrust Division, CVBF offers trust and wealth management services, which cover fiduciary duties, mutual funds, annuities, 401(k) plans, and individual investment accounts. As of December 31, 2021, the company maintained an extensive network of 58 banking centers across key California regions, including the Inland Empire, Los Angeles, Orange, San Diego, Ventura, Santa Barbara, and Central Valley counties. Additionally, it operated three dedicated trust offices in Ontario, Newport Beach, and Pasadena, alongside two loan production offices situated in California’s Central Valley and Sacramento areas. CVB Financial Corp. was established in 1974 and has its headquarters in Ontario, California.
Click to read more…
Revenue Segmentation
EPS
Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.
Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
Log in to continue
Log in to read the full transcript and AI-generated earnings summaries.
Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 665,660 | 658,686 | 643,360 |
| Gross Profit | 545,820 | 480,171 | 513,846 |
| EBITDA | 333,603 | 286,606 | 296,474 |
| Operating Income | 315,434 | 271,238 | 281,693 |
| Net Income | 221,435 | 200,716 | 209,298 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 16,020,993 | 15,153,655 | 15,631,054 |
| Total Liabilities | 13,943,021 | 12,967,339 | 13,335,830 |
| Total Stockholders Equity | 2,077,972 | 2,186,316 | -227,654 |
| Total Debt | 2,341,642 | 811,504 | 990,601 |
| Cash and Cash Equivalents | 289,501 | 205,178 | 107,511 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 295,632 | 249,765 | 0 |
| Capital Expenditure | -4,521 | -5,135 | 0 |
| Free Cash Flow | 291,111 | 244,630 | 0 |
| Net Income | 221,435 | 200,716 | 209,298 |
| Net Change in Cash | 77,824 | -76,587 | -204,698 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 503,391.396 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 516,725.238 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 510,012.234 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 264,604.784 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 271,613.642 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 268,084.990 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 279,280.274 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 288,934.719 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 284,107.497 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 127,879.958 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 131,267.245 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 129,561.895 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 2.090 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 2.130 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 2.050 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 1 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 1 | Research Access | Research Access | Research Access | Research Access |
Log in to continue
Log in and subscribe to Full Access to see up to 5 years of analyst estimates.
Login — it's free(* All numbers are in thousands)
Current Key Metrics
Log in to continue
Log in to see all key valuation metrics and ratios for this symbol.
Login — it's freeForward P/E Ratios
Log in to continue
Log in with Full Access for forward P/E high/low estimates and the full multi-year table.
Login — it's freeSWOT Analysis
Strengths (preview)
- Stable Financial Performance: CVB Financial Corporation reported net earnings of $50.6 million in Q2 2025, reflecting consistent profitability as highlighted in the earnings call transcript. Key metrics such as return on equity (ROE TTM) and net profit margin (TTM) indicate solid operational efficiency compared to industry benchmarks.
- Strong Liquidity Position: The balance sheet data shows a healthy level of cash and cash equivalents alongside a favorable current ratio (TTM), suggesting the company is well-positioned to meet short-term obligations and fund ongoing operations.
- Dividend Consistency: With a competitive dividend yield (TTM) and a history of net dividends paid as per cash flow statements, CVBF remains attractive to income-focused investors, reinforcing shareholder confidence.
Log in with Research Access for Weaknesses, Opportunities, Threats, and the complete SWOT.
At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates CVBF intrinsic value between $22.15 – $25.93 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about CVBF valuation
Is CVB Financial Corp. (CVBF) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for CVB Financial Corp. (CVBF) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is CVBF a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether CVBF trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is CVBF’s P/E ratio?
You can see CVBF’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for CVBF?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is CVBF a good long-term investment?
Whether CVBF fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
CVBF
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
-0.83
Trading Metrics:
| Open: | 22.31 | Previous Close: | 22.4 | |
| Day Low: | 21.97 | Day High: | 22.37 | |
| Year Low: | 17.95 | Year High: | 23.41 | |
| Price Avg 50: | 22.49 | Price Avg 200: | 20.49 | |
| Volume: | 284318 | Average Volume: | 1.753M |
Log in to continue
Log in for multi-period charts (1W–5Y), period tabs, and the same layout as members.
Login — it's freeCVBF full analysis
Welcome to MARKETSNAP’s SWOT analysis for CVB Financial Corporation, also known by its ticker CVBF. If you’re a long-term investor looking to build wealth through smart stock picks, you’re in the right place. Today, we’re diving deep into this regional banking player to uncover what makes it tick, what’s holding it back, and where it could be headed in the future. Let’s break it down with a full SWOT analysis, sprinkled with some key insights to keep things interesting. Grab…
