Stocks · Financial Services · Banks - Regional
CVB Financial Corp. CVBF
$22.28 +1.23% Close, Oct 2, 2026 · NASDAQ · Market cap $3.20B
High quality
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The stock is in an uptrend: above its 200-day average for 96 trading days, with the 50-day average above the 200-day.
- Revenue over the last four quarters was $705.9M, up 11.7% from a year earlier, accelerating from -0.1% a quarter earlier.
- The company holds net cash of $2.0M (cash above total debt).
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth69Positive
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 35%
- EPS growth (TTM, YoY)Bottom 33%
- FCF growth (TTM, YoY)Top 12%
- Revenue growth, 3-year CAGRBottom 16%
- Revenue growth accelerationTop 8%
Quality97Exceptional
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 33%
- Gross marginTop 15%
- Operating marginTop 15%
- Cash conversion (OCF / net income)Top 13%
- Accruals (lower is better)Top 28%
- Net debt / EBITDA (lower is better)Top 29%
- Interest coverTop 31%
Value58Neutral
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 48%
- Free-cash-flow yieldTop 16%
- EBITDA / enterprise valueTop 34%
- Sales / enterprise valueBottom 29%
- P/E vs own 5-year history (lower is better)Bottom 31%
Momentum69Positive
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 37%
- 6-month returnTop 32%
- 1-year return vs S&P 500Top 32%
- Distance from 52-week highTop 23%
- Trend checklist (0–4)Top 48%
Revisions24Very weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 30%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 37%
- Upside to consensus price targetTop 38%
Stability62Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 30%
- Maximum drawdown, 3 yearsBottom 43%
- Beta vs S&P 500 (lower is better)Bottom 44%
- Net debt / EBITDA (lower is better)Top 29%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -0.1% | 11.7% | ↑ |
| EPS growth (YoY) | 4.8% | 4.8% | → |
| Gross margin | 76.4% | 80.0% | ↑ |
| Operating margin | 43.3% | 39.2% | ↓ |
| FCF margin | 37.4% | 81.1% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 11.7% | -0.1% | ↑ | Top 35% |
| EPS growth (TTM, YoY) | 4.8% | 4.8% | → | Bottom 33% |
| Gross margin | 80.0% | 76.4% | ↑ | Top 15% |
| Operating margin | 39.2% | 43.3% | ↓ | Top 15% |
| Net margin | 29.3% | 32.2% | ↓ | — |
| Free-cash-flow margin | 81.1% | 37.4% | ↑ | — |
| Return on invested capital | 4.2% | — | Top 33% | |
| Revenue growth, 3-year CAGR | 4.6% | — | Bottom 16% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 2.79×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -1.7%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.5%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -111.7 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.01×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 2.0×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.43%
- Net buyback yield (TTM)
- 1.39%
- Shareholder yield
- 4.81%
- Share count change, 1 year
- -2.5%
- Share count change, 3-year CAGR
- -0.6%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- +0.0%
- Average 2-day reaction, last 8
- +0.8%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $26.67
- Target vs current price
- +19.7%
- Analysts with a rating
- 16
- Share rating Buy or Strong Buy
- 38%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | -2.7% | -0.8% | +1.7% | +2.8% | — |
| Apr 22, 2026 | +0.0% | +0.4% | +1.0% | -2.3% | +12.5% |
| Jan 21, 2026 | +0.0% | +5.3% | -0.8% | +4.7% | +1.6% |
| Oct 22, 2025 | +2.7% | -0.6% | +2.2% | -1.4% | +6.4% |
| Jul 23, 2025 | +2.9% | +0.6% | -7.9% | -7.2% | -8.7% |
| Apr 23, 2025 | +9.1% | +2.0% | +2.0% | +6.4% | +14.5% |
| Jan 22, 2025 | +5.9% | -0.3% | +0.9% | -1.5% | -15.8% |
| Oct 23, 2024 | +5.7% | +0.1% | +3.5% | +18.6% | +9.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $0.29 | $0.30 | -2.7% | $179.4M |
| Apr 22, 2026 | $0.38 | $0.38 | +0.0% | $132.1M |
| Jan 21, 2026 | $0.40 | $0.40 | +0.0% | $133.9M |
| Oct 22, 2025 | $0.38 | $0.37 | +2.7% | $128.6M |
| Jul 23, 2025 | $0.36 | $0.35 | +2.9% | $126.4M |
| Apr 23, 2025 | $0.36 | $0.33 | +9.1% | $126.7M |
| Jan 22, 2025 | $0.36 | $0.34 | +5.9% | $107.3M |
| Oct 23, 2024 | $0.37 | $0.35 | +5.7% | $117.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 14.7× | 13.0× | 76th | Top 48% |
| P/E (forward) | 14.8× | — | — | — |
| EV / EBITDA | 11.0× | — | — | Top 34% |
| EV / Sales | 4.52× | — | — | Bottom 29% |
| Free-cash-flow yield | 17.91% | — | — | Top 16% |
| Earnings yield | 6.82% | — | — | Top 48% |
P/E over the past five years
Range 6.5× – 18.4× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +19.2%
- Earnings per share growth (TTM)
- +4.8%
- Change in P/E multiple
- +14.7%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 96
- 50-day average slope (20 days)
- -0.4%
- 200-day average slope (20 days)
- +1.3%
- Distance from 50-day average
- -1.1%
- Distance from 200-day average
- +6.7%
- RSI (14)
- 49.3
- Relative volume
- 1.13×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 17.1%
- Volatility vs own 5-year history
- 1th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.75
- Correlation with S&P 500
- 0.44
- Current drawdown from 1-year high
- -4.4%
- Maximum drawdown, 3 years
- -31.6%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 10, 2022 | May 11, 2023 | -62.5% | 124 days | Not yet recovered |
| Mar 12, 2021 | Sep 20, 2021 | -24.1% | 132 days | 177 days (Jun 2, 2022) |
| Aug 16, 2022 | Sep 6, 2022 | -10.7% | 14 days | 38 days (Oct 28, 2022) |
| Jan 12, 2021 | Jan 29, 2021 | -10.7% | 12 days | 16 days (Feb 23, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $3.20B
- P/E (TTM)
- 14.7
- EPS, diluted (TTM)
- $1.52
- Revenue (TTM)
- $705.9M
- Dividend yield
- 2.69%
- 52-week range
- $17.95 – $23.41
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $467.8M | $561.9M | $665.7M | $658.7M | $643.4M |
| Gross profit | $488.2M | $542.2M | $545.8M | $480.2M | $513.8M |
| Operating income | $297.6M | $328.3M | $315.4M | $271.2M | $281.7M |
| Net income | $212.5M | $235.4M | $221.4M | $200.7M | $209.3M |
| EPS (diluted) | $1.56 | $1.67 | $1.59 | $1.44 | $1.52 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $169.4M | $144.4M | $159.2M | $159.0M | $163.1M | $163.1M | $160.6M | $219.1M |
| Net income | $51.2M | $50.9M | $51.1M | $50.6M | $52.6M | $55.0M | $51.0M | $48.3M |
| EPS (diluted) | $0.37 | $0.36 | $0.36 | $0.36 | $0.38 | $0.40 | $0.38 | $0.36 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $195.2M | $273.7M | $295.6M | $249.8M | $221.4M |
| Capital expenditure | -$4.7M | -$5.4M | -$4.5M | -$5.1M | -$4.1M |
| Free cash flow | $190.6M | $268.4M | $291.1M | $244.6M | $217.3M |
| Dividends paid | -$97.7M | -$104.4M | -$111.7M | -$111.8M | -$111.0M |
| Net share buybacks | -$8.3M | -$116.3M | -$21.2M | -$2.8M | -$80.7M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $6.78B
- Total assets
- $21.18B
- Total liabilities
- $18.01B
- Total debt
- $1.10B
- Net debt
- -$2.0M
- Shareholders’ equity
- $3.17B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 30, 2026 | $0.20 | Oct 15, 2026 |
| Apr 1, 2026 | $0.20 | Apr 15, 2026 |
| Dec 29, 2025 | $0.20 | Jan 13, 2026 |
| Oct 1, 2025 | $0.20 | Oct 16, 2025 |
| Jul 10, 2025 | $0.20 | Jul 24, 2025 |
| Apr 2, 2025 | $0.20 | Apr 16, 2025 |
| Dec 31, 2024 | $0.20 | Jan 15, 2025 |
| Sep 30, 2024 | $0.20 | Oct 14, 2024 |
Short interest
- Shares sold short
- 9,745,402
- Days to cover
- 8.76
- Change vs previous report
- +14.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jan 3, 2007
- 11-for-10
- Jan 27, 2006
- 5-for-4
- Jan 14, 2005
- 5-for-4
- Dec 30, 2003
- 11-for-10
- Jan 22, 2003
- 5-for-4