CVB Financial Past Earnings Performance
Past criteria checks 2/6
CVB Financial's earnings have been declining at an average annual rate of -1.3%, while the Banks industry saw earnings growing at 4% annually. Revenues have been growing at an average rate of 1.5% per year. CVB Financial's return on equity is 6.5%, and it has net margins of 35.9%.
Key information
-1.30%
Earnings growth rate
-1.65%
EPS growth rate
| Banks Industry Growth | 11.18% |
| Revenue growth rate | 1.52% |
| Return on equity | 6.53% |
| Net Margin | 35.91% |
| Last Earnings Update | 30 Jun 2026 |
Recent past performance updates
Recent updates
Seeking Alpha • Aug 29
CVB Financial: Northern California To Drive Growth
Summary CVB Financial Corp. is rated BUY, driven by expected 2027 EPS acceleration from the Heritage Bank acquisition and Northern California branch expansion. CVBF benefits from robust Bay Area demographics, a strong loan pipeline, and a 3.6% dividend yield, providing downside protection amid volatility. Shares trade at a 9% discount to the sector median P/B, while forward GAAP EPS growth is forecast at 11%, 256% above the 5-year average. A high CET1 ratio (14.7%) signals balance sheet strength, but commercial real estate loan concentration and merger execution remain key risks. Read the full article on Seeking Alpha
Narrative Update • Jul 27
CVBF: Net Interest Margin And Expense Discipline Will Support Future Earnings Repricing
Analysts have lifted their blended price target on CVB Financial from $24.00 to about $25.17, citing updated earnings estimates that factor in higher net interest income, tighter expense control, and expectations for a lower future P/E multiple. Analyst Commentary Recent Street research on CVB Financial highlights a generally constructive tone, with price targets clustered in the mid US$20s and a focus on how earnings execution and expense control might influence valuation over the next few years.Narrative Update • Jun 23
CVBF: New 15 Million Share Buyback Will Support Future Earnings Repricing
Analysts have nudged their price target on CVB Financial up by $1, citing updated assumptions around profit margins and future P/E levels as the key drivers behind the revised view. What's in the News for CVB Financial CVB Financial Corp.Analysis Article • Jun 17
CVB Financial (CVBF) Stock Could Be 11.5% Undervalued After New Buyback Authorization
New buyback authorization reshapes the CVB Financial stock story CVB Financial (CVBF) has just refreshed its capital return playbook with a new share repurchase program of up to 15,000,000 shares, replacing the company’s prior 2024 authorization. See our latest analysis for CVB Financial. The buyback news lands at a time when CVB Financial’s share price has been climbing, with a 30-day share price return of 6.84% and a 90-day share price return of 12.50%. Its 1-year total shareholder return...Narrative Update • Jun 05
CVBF: Steady Assumptions And Buybacks Will Support Future Earnings Repricing
Analysts have raised their price target on CVB Financial by $1 to $24, citing updated assumptions around fair value, discount rate, revenue growth, profit margin and forward P/E that support a steady view of the stock’s long term potential. What's in the News CVB Financial reported that from January 1, 2026 to March 31, 2026, it repurchased 0 shares for US$0 under its existing buyback program, based on company key developments.Narrative Update • May 20
CVBF: Higher Future P/E Assumptions Will Support Earnings Repricing Potential
Analysts lifted their price target on CVB Financial to $24.00 from $23.80, citing updated assumptions around fair value, discount rate, profit margin and future P/E that align with recent Street research. Analyst Commentary Recent Street research behind the US$24.00 price target focuses on how updated fair value work lines up with current sector assumptions on discount rate, profit margin and future P/E for CVB Financial.Narrative Update • Apr 26
CVBF: Heritage Commerce Merger And Buybacks Will Support Future Earnings Repricing
Analysts lifted their fair value estimate for CVB Financial's shares to $23.80 from $23.50, citing updated assumptions for revenue growth, profit margins, the discount rate, and the future P/E multiple that they view as better reflecting the company's current outlook. Analyst Commentary Recent research commentary around the US$23.80 fair value estimate for CVB Financial points to a mix of supportive and cautious views.Narrative Update • Jan 27
CVBF: Heritage Commerce Deal And Buybacks Will Reshape Future Earnings Profile
Narrative Update on CVB Financial Analysts have lifted their price target on CVB Financial by $0.70 to $23.50, citing updated assumptions for revenue growth of 24.08%, a profit margin of 41.14% and a future P/E of 8.74. They also note support from recent Street research, including a higher target at Keefe Bruyette and positive views on the Heritage Commerce acquisition.Analysis Article • Dec 19
CVB Financial (NASDAQ:CVBF) Will Pay A Dividend Of $0.20
The board of CVB Financial Corp. ( NASDAQ:CVBF ) has announced that it will pay a dividend of $0.20 per share on the...Analysis Article • Sep 21
CVB Financial (NASDAQ:CVBF) Will Pay A Dividend Of $0.20
CVB Financial Corp. ( NASDAQ:CVBF ) will pay a dividend of $0.20 on the 16th of October. This makes the dividend yield...Analysis Article • Jun 29
CVB Financial (NASDAQ:CVBF) Has Announced A Dividend Of $0.20
CVB Financial Corp. ( NASDAQ:CVBF ) has announced that it will pay a dividend of $0.20 per share on the 24th of July...Analysis Article • Dec 21
CVB Financial (NASDAQ:CVBF) Has Announced A Dividend Of $0.20
The board of CVB Financial Corp. ( NASDAQ:CVBF ) has announced that it will pay a dividend of $0.20 per share on the...
New Narrative • Sep 24
Enduring Dividends And Operational Efficiency Clashes With Looming Revenue And Profit Challenges
Strategic reductions in noninterest expenses and efficient capital management indicate improved operational efficiency and future earnings enhancement.Analysis Article • Sep 20
CVB Financial (NASDAQ:CVBF) Has Announced A Dividend Of $0.20
CVB Financial Corp.'s ( NASDAQ:CVBF ) investors are due to receive a payment of $0.20 per share on 14th of October. The...Analysis Article • Jul 01
CVB Financial (NASDAQ:CVBF) Has Announced A Dividend Of $0.20
The board of CVB Financial Corp. ( NASDAQ:CVBF ) has announced that it will pay a dividend of $0.20 per share on the...Seeking Alpha • Jun 07
CVB Financial: Attractively Valued, But Earnings Likely To Dip
Summary The upcoming falling interest-rate environment will likely squeeze the margin. I’m expecting earnings to fall by 12% to $1.39 per share. The year-end target price suggests an upside of around 12.7%. CVBF is offering a good dividend yield of 4.8%. Read the full article on Seeking AlphaSeeking Alpha • Mar 15
CVB Financial: Navigating Through A Tough CRE Backdrop
Summary CVB Financial Corp. has seen a 25% decline in its shares since December 2023 due to concerns about the regional bank sector. Despite this, CVB Financial had its second most profitable year in 2023 and has been consistently profitable since 1977. The bank has a conservative approach, targeting privately held businesses in California, but its high exposure to commercial real estate is a concern. With low valuations, a nearly five percent dividend yield, and recent insider buying; the stock merited further investigation. A full investment analysis of CVB Financial follows in the paragraphs below. Read the full article on Seeking AlphaAnalysis Article • Jan 27
CVB Financial Corp. (NASDAQ:CVBF) Yearly Results: Here's What Analysts Are Forecasting For This Year
Last week, you might have seen that CVB Financial Corp. ( NASDAQ:CVBF ) released its full-year result to the market...Analysis Article • Sep 24
CVB Financial's (NASDAQ:CVBF) Dividend Will Be $0.20
The board of CVB Financial Corp. ( NASDAQ:CVBF ) has announced that it will pay a dividend of $0.20 per share on the...Revenue & Expenses Breakdown
Revenue & Expenses Breakdown
How CVB Financial makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Jun 26 | 572 | 206 | 220 | 0 |
| 31 Mar 26 | 519 | 208 | 203 | 0 |
| 31 Dec 25 | 519 | 208 | 202 | 0 |
| 30 Sep 25 | 509 | 204 | 201 | 0 |
| 30 Jun 25 | 508 | 202 | 202 | 0 |
| 31 Mar 25 | 507 | 202 | 202 | 0 |
| 31 Dec 24 | 505 | 199 | 201 | 0 |
| 30 Sep 24 | 518 | 197 | 200 | 0 |
| 30 Jun 24 | 527 | 204 | 197 | 0 |
| 31 Mar 24 | 534 | 209 | 193 | 0 |
| 31 Dec 23 | 545 | 220 | 191 | 0 |
| 30 Sep 23 | 550 | 237 | 189 | 0 |
| 30 Jun 23 | 556 | 244 | 188 | 0 |
| 31 Mar 23 | 558 | 247 | 185 | 0 |
| 31 Dec 22 | 541 | 234 | 183 | 0 |
| 30 Sep 22 | 510 | 216 | 177 | 0 |
| 30 Jun 22 | 487 | 201 | 171 | 0 |
| 31 Mar 22 | 471 | 193 | 167 | 0 |
| 31 Dec 21 | 484 | 212 | 162 | 0 |
| 30 Sep 21 | 485 | 214 | 162 | 0 |
| 30 Jun 21 | 484 | 212 | 164 | 0 |
| 31 Mar 21 | 472 | 202 | 164 | 0 |
| 31 Dec 20 | 440 | 177 | 166 | 0 |
| 30 Sep 20 | 443 | 178 | 167 | 0 |
| 30 Jun 20 | 445 | 181 | 166 | 0 |
| 31 Mar 20 | 461 | 194 | 166 | 0 |
| 31 Dec 19 | 484 | 207 | 164 | 0 |
| 30 Sep 19 | 485 | 199 | 166 | 0 |
| 30 Jun 19 | 469 | 187 | 162 | 0 |
| 31 Mar 19 | 431 | 168 | 151 | 0 |
| 31 Dec 18 | 391 | 152 | 142 | 0 |
| 30 Sep 18 | 352 | 126 | 128 | 0 |
| 30 Jun 18 | 332 | 117 | 122 | 0 |
| 31 Mar 18 | 332 | 110 | 123 | 0 |
| 31 Dec 17 | 326 | 104 | 121 | 0 |
| 30 Sep 17 | 320 | 113 | 117 | 0 |
| 30 Jun 17 | 311 | 109 | 116 | 0 |
| 31 Mar 17 | 304 | 106 | 114 | 0 |
| 31 Dec 16 | 296 | 101 | 114 | 0 |
| 30 Sep 16 | 294 | 103 | 114 | 0 |
| 30 Jun 16 | 296 | 105 | 114 | 0 |
| 31 Mar 16 | 294 | 106 | 112 | 0 |
| 31 Dec 15 | 292 | 99 | 110 | 0 |
| 30 Sep 15 | 290 | 96 | 109 | 0 |
Quality Earnings: CVBF has high quality earnings.
Growing Profit Margin: CVBF's current net profit margins (35.9%) are lower than last year (39.8%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: CVBF's earnings have declined by 1.3% per year over the past 5 years.
Accelerating Growth: CVBF's earnings growth over the past year (1.6%) exceeds its 5-year average (-1.3% per year).
Earnings vs Industry: CVBF earnings growth over the past year (1.6%) did not outperform the Banks industry 23.3%.
Return on Equity
High ROE: CVBF's Return on Equity (6.5%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/09/21 07:41 |
| End of Day Share Price | 2026/09/18 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
CVB Financial Corp. is covered by 18 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Joseph Gladue | B. Riley Securities, Inc. |
| Michael Diana | Cantor Fitzgerald & Co. |
| Jeannette Daroosh | Citizens JMP Securities, LLC |