CVBF
Bearish signalScored 2026-09-25 Drivers: trend, fundamentals. Insiders: neutral. Moteurs : tendance, fondamentaux. Initiés : neutre.
Research, not advice.
À propos
CVB Financial Corp.
- Nom
- CVB Financial Corp.
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $4.0B
- Employés
- 1,079
- PDG
- David A. Brager
- Site web
- https://www.cbbank.com
- Marché
- CBFVCBUFBKFBNCFFBCNBHC
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.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
ACHAT TOTAL: 30 000 titres (~675 600,00 $ US)
- Insiders
- Maddox MikeO Brien Raymond V III
- Total bought
-
$675,600
Avg buy (VWAP, 90d window) $22.03 vs last close $21.61 (-1.9%)
- Total sold
-
$917,680
Avg sell (VWAP, 90d window) $22.94 vs last close $21.61 (-5.8%)
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-08-31
- Liquidity
- Liquid $30,883,257/day · 20d vol
- Last synced
-
2026-09-30 21:10:18
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-08-31 | Maddox Mike | Buy · P P | 10,000 | $22.03 | ≈ $220,300 | Form 4 |
| 2026-08-05 | Harvey David C | Sell · S S | 40,000 | $22.94 | ≈ $917,680 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Bearish signalScored 2026-09-25 Drivers: trend, fundamentals. Insiders: neutral. Moteurs : tendance, fondamentaux. Initiés : neutre.
CVBF presents a meaningful catalyst cluster — insider buying, a Zacks upgrade, and a strategic acquisition — but the critically low liquidity score of 15 is a hard structural constraint that cannot be offset by…
The first sentence of the analysis written for CVBF on 2026-09-25 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Unavailable or mixed. Purchase and sale value are mixed
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Timing Pulls against a bullish reading. Close is more than 0.5 ATR under stored support
- Financial indicators Unavailable or mixed. Current ratio 0.01 · operating margin 44% — readings disagree
Suggested stop 21.39, nearest stored support minus 0.5 ATR(1.0% under the last close). Reward/risk to the next stored resistance is 7.29. Research, not advice. Not an order.
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 79.9% | 72.9% | 82.0% | 96.5% | 104.4% | |
| Ebit Margin | 43.8% | 41.2% | 47.4% | 58.4% | 63.6% | |
| Ebitda Margin | 46.1% | 43.5% | 50.1% | 60.9% | 62.3% | |
| Operating Profit Margin | 43.8% | 41.2% | 47.4% | 58.4% | 63.6% | |
| Pretax Profit Margin | 43.8% | 41.2% | 47.4% | 58.4% | 63.6% | |
| Continuous Operations Profit Margin | 32.5% | 30.5% | 33.3% | 41.9% | 45.4% | |
| Net Profit Margin | 32.5% | 30.5% | 33.3% | 41.9% | 45.4% | |
| Bottom Line Profit Margin | 32.4% | 30.3% | 33.0% | 41.6% | 45.2% | |
| Current Ratio | 0.013 | 0.044 | 0.258 | 0.263 | 0.372 | |
| Quick Ratio | 0.013 | 0.044 | 0.258 | 0.263 | 0.372 | |
| Solvency Ratio | 0.017 | 0.017 | 0.017 | 0.017 | 0.015 | |
| Cash Ratio | 0.009 | 0.016 | 0.021 | 0.015 | 0.129 | |
| Price To Earnings Ratio | 12.237 | 14.868 | 12.698 | 15.419 | 13.637 | |
| Price To Earnings Growth Ratio | 2.203 | -1.576 | -2.651 | 2.421 | 0.657 | |
| Forward Price To Earnings Growth Ratio | 2.203 | -1.576 | -2.651 | 2.421 | 0.657 | |
| Price To Earnings Diluted Ratio | 12.237 | 14.868 | 12.698 | 15.419 | 13.724 | |
| Price To Earnings Diluted Growth Ratio | 2.203 | -1.576 | -2.651 | 2.187 | 0.686 | |
| Price To Book Ratio | 1.101 | 1.355 | 1.344 | 1.846 | 1.390 | |
| Price To Sales Ratio | 3.930 | 4.499 | 4.196 | 6.399 | 6.186 | |
| Price To Free Cash Flow Ratio | 11.632 | 12.114 | 9.594 | 13.399 | 15.186 | |
| Price To Operating Cash Flow Ratio | 11.418 | 11.865 | 9.447 | 13.137 | 14.822 | |
| Debt To Assets Ratio | 0.063 | 0.050 | 0.146 | 0.095 | 0.041 | |
| Debt To Equity Ratio | 0.432 | 0.348 | 1.127 | 0.801 | 0.310 | |
| Debt To Capital Ratio | 0.301 | 0.258 | 0.530 | 0.445 | 0.236 | |
| Long Term Debt To Capital Ratio | 0.179 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Financial Leverage Ratio | 6.810 | 6.931 | 7.710 | 8.456 | 7.631 | |
| Working Capital Turnover Ratio | -0.054 | -0.059 | -0.064 | -0.059 | -0.058 | |
| Operating Cash Flow Ratio | 0.018 | 0.020 | 0.021 | 0.019 | 0.014 | |
| Operating Cash Flow Sales Ratio | 0.344 | 0.379 | 0.444 | 0.487 | 0.417 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.982 | 0.979 | 0.985 | 0.980 | 0.976 | |
| Debt Service Coverage Ratio | 0.359 | 0.229 | 0.097 | 0.159 | 0.317 | |
| Interest Coverage Ratio | 2.118 | 1.484 | 2.665 | 35.865 | 48.955 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.451 | 0.328 | 0.126 | 0.175 | 0.303 | |
| Operating Cash Flow Coverage Ratio | 0.224 | 0.328 | 0.126 | 0.175 | 0.303 | |
| Capital Expenditure Coverage Ratio | 54.441 | 48.640 | 65.391 | 51.079 | 41.745 | |
| Dividend Paid And Capex Coverage Ratio | 1.924 | 2.135 | 2.544 | 2.493 | 1.906 | |
| Dividend Payout Ratio | 0.530 | 0.557 | 0.504 | 0.444 | 0.460 | |
| Enterprise Value Multiple | 11.506 | 12.282 | 14.524 | 14.454 | 6.112 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 79.9% | ▲7.0% | ▼-7.2% |
| Ebit Margin | 43.8% | ▲2.6% | ▼-7.1% |
| Ebitda Margin | 46.1% | ▲2.6% | ▼-6.5% |
| Operating Profit Margin | 43.8% | ▲2.6% | ▼-7.1% |
| Pretax Profit Margin | 43.8% | ▲2.6% | ▼-7.1% |
| Continuous Operations Profit Margin | 32.5% | ▲2.1% | ▼-4.2% |
| Net Profit Margin | 32.5% | ▲2.1% | ▼-4.2% |
| Bottom Line Profit Margin | 32.4% | ▲2.1% | ▼-4.1% |
| Current Ratio | 0.013 | ▼-0.032 | ▼-0.177 |
| Quick Ratio | 0.013 | ▼-0.032 | ▼-0.177 |
| Solvency Ratio | 0.017 | ▲0.000 | ▲0.000 |
| Cash Ratio | 0.009 | ▼-0.007 | ▼-0.029 |
| Price To Earnings Ratio | 12.237 | ▼-2.631 | ▼-1.535 |
| Price To Earnings Growth Ratio | 2.203 | ▲3.779 | ▲1.992 |
| Forward Price To Earnings Growth Ratio | 2.203 | ▲3.779 | ▲1.992 |
| Price To Earnings Diluted Ratio | 12.237 | ▼-2.631 | ▼-1.552 |
| Price To Earnings Diluted Growth Ratio | 2.203 | ▲3.779 | ▲2.033 |
| Price To Book Ratio | 1.101 | ▼-0.254 | ▼-0.306 |
| Price To Sales Ratio | 3.930 | ▼-0.570 | ▼-1.112 |
| Price To Free Cash Flow Ratio | 11.632 | ▼-0.482 | ▼-0.753 |
| Price To Operating Cash Flow Ratio | 11.418 | ▼-0.447 | ▼-0.720 |
| Debt To Assets Ratio | 0.063 | ▲0.013 | ▼-0.016 |
| Debt To Equity Ratio | 0.432 | ▲0.083 | ▼-0.172 |
| Debt To Capital Ratio | 0.301 | ▲0.043 | ▼-0.053 |
| Long Term Debt To Capital Ratio | 0.179 | ▲0.179 | ▲0.143 |
| Financial Leverage Ratio | 6.810 | ▼-0.121 | ▼-0.697 |
| Working Capital Turnover Ratio | -0.054 | ▲0.005 | ▲0.005 |
| Operating Cash Flow Ratio | 0.018 | ▼-0.001 | ▼-0.000 |
| Operating Cash Flow Sales Ratio | 0.344 | ▼-0.035 | ▼-0.070 |
| Free Cash Flow Operating Cash Flow Ratio | 0.982 | ▲0.002 | ▲0.001 |
| Debt Service Coverage Ratio | 0.359 | ▲0.131 | ▲0.127 |
| Interest Coverage Ratio | 2.118 | ▲0.634 | ▼-16.100 |
| Short Term Operating Cash Flow Coverage Ratio | 0.451 | ▲0.123 | ▲0.175 |
| Operating Cash Flow Coverage Ratio | 0.224 | ▼-0.104 | ▼-0.008 |
| Capital Expenditure Coverage Ratio | 54.441 | ▲5.801 | ▲2.182 |
| Dividend Paid And Capex Coverage Ratio | 1.924 | ▼-0.211 | ▼-0.276 |
| Dividend Payout Ratio | 0.530 | ▼-0.027 | ▲0.031 |
| Enterprise Value Multiple | 11.506 | ▼-0.776 | ▼-0.270 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $2.53B | $2.96B | $2.79B | $3.60B | $2.89B | |
| Enterprise value | $3.41B | $3.52B | $4.85B | $4.94B | $1.78B | |
| EV / Sales | 5.30x | 5.34x | 7.28x | 8.80x | 3.81x | |
| EV / Op. cash flow | 15.41x | 14.09x | 16.39x | 18.06x | 9.12x | |
| EV / Free cash flow | 15.70x | 14.39x | 16.64x | 18.42x | 9.34x | |
| EV / EBITDA | 11.51x | 12.28x | 14.52x | 14.45x | 6.11x | |
| Net debt / EBITDA | 2.98x | 1.94x | 6.15x | 3.94x | -3.83x | |
| Current ratio | 0.01x | 0.04x | 0.26x | 0.26x | 0.37x | |
| Income quality | 1.06x | 1.24x | 1.33x | 1.16x | 0.92x | |
| Graham number | $24 | $23 | $23 | $23 | $23 | |
| Graham net-net | -$97 | -$90 | -$76 | -$78 | -$65 | |
| Tax burden | 74.3% | 74.0% | 70.2% | 71.7% | 71.4% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$11.83B | -$12.15B | -$10.21B | -$10.61B | -$8.56B | |
| Invested capital | -$11.03B | -$11.30B | -$9.36B | -$9.75B | -$7.80B | |
| Return on assets | 1.3% | 1.3% | 1.4% | 1.4% | 1.3% | |
| Operating ROA | 1.8% | 1.7% | 1.9% | 2.0% | 2.0% | |
| Return on tangible assets | 1.4% | 1.4% | 1.5% | 1.5% | 1.4% | |
| Return on equity | 9.1% | 9.2% | 10.7% | 12.1% | 10.2% | |
| Return on invested capital | 5.1% | 6.3% | 4.8% | 6.5% | 7.3% | |
| Return on capital employed | 7.7% | 11.1% | 14.0% | 15.8% | 13.2% | |
| Earnings yield | 8.3% | 6.8% | 7.9% | 6.5% | 7.3% | |
| Free cash flow yield | 8.6% | 8.3% | 10.4% | 7.5% | 6.6% | |
| Capex / Op. cash flow | 1.8% | 2.1% | 1.5% | 2.0% | 2.4% | |
| Capex / Depreciation | 27.5% | 33.4% | 24.9% | 39.2% | -72.8% | |
| Capex / Sales | 0.6% | 0.8% | 0.7% | 1.0% | 1.0% | |
| SG&A / Sales | 31.3% | 23.0% | 21.9% | 24.5% | 26.2% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.0% | 1.6% | 1.4% | 1.4% | 1.1% | |
| Intangibles / Total assets | 4.9% | 5.1% | 4.9% | 4.8% | 4.3% | |
| Days sales outstanding | 27d | 157d | 165d | 204d | 88d | |
| Days payables outstanding | 0d | 10d | 71d | 8d | 0d | |
| Operating cycle | 27d | 157d | 165d | 204d | 88d | |
| Cash conversion cycle | 27d | 146d | 94d | 196d | 88d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-09-04 75,869 Shares in CVB Financial Corporation $CVBF Purchased by Jupiter Topco LLC Jupiter Topco LLC purchased a new stake in shares of CVB Financial Corporation (NASDAQ: CVBF) during the second quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The fund purchased 75,869 shares of the financial services provider''s stock, valued at approximately $1,710,000. A number of
- 2026-08-29 CVB Financial: Northern California To Drive Growth 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.
- 2026-08-25 CVB Financial (CVBF) Upgraded to Buy: Here''s What You Should Know CVB Financial (CVBF) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).
- 2026-08-24 BlackRock Inc. Purchases New Stake in CVB Financial Corporation $CVBF BlackRock Inc. acquired a new position in CVB Financial Corporation (NASDAQ: CVBF) in the second quarter, according to its most recent filing with the Securities and Exchange Commission (SEC). The firm acquired 25,688,910 shares of the financial services provider''s stock, valued at approximately $579,285,000. BlackRock Inc. owned 14.56% of CVB Financial as of
- 2026-08-20 CVB Financial Corporation $CVBF Shares Bought by Bank of America Corp DE Bank of America Corp DE grew its stake in shares of CVB Financial Corporation (NASDAQ: CVBF) by 28.1% during the first quarter, according to its most recent filing with the Securities and Exchange Commission. The institutional investor owned 925,555 shares of the financial services provider''s stock after buying an additional 202,857 shares during
- 2026-07-23 CVB Financial Corp. (CVBF) Q2 2026 Earnings Call Transcript CVB Financial Corp. (CVBF) Q2 2026 Earnings Call Transcript
- 2026-07-23 CVB Financial Q2 Earnings Call Highlights CVB Financial NASDAQ: CVBF reported lower second-quarter earnings as costs tied to its acquisition of Heritage Bank of Commerce weighed on results, while management said the deal expanded the company''s balance sheet, lending capacity and footprint across California.
- 2026-07-22 Compared to Estimates, CVB Financial (CVBF) Q2 Earnings: A Look at Key Metrics While the top- and bottom-line numbers for CVB Financial (CVBF) give a sense of how the business performed in the quarter ended June 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
- 2026-07-22 CVB Financial (CVBF) Q2 Earnings Surpass Estimates CVB Financial (CVBF) came out with quarterly earnings of $0.44 per share, beating the Zacks Consensus Estimate of $0.42 per share. This compares to earnings of $0.36 per share a year ago.
- 2026-07-22 CVB Financial Corp. Reports Earnings for the Second Quarter 2026 Second Quarter 2026 Net Earnings of $48. 3 million, or $0. 29 per share Assets totaled $21. 18 billion as acquisition of Heritage Commerce Corp completed on April 17, 2026 Net Interest Margin expanded to 3. 72% $31.