CVB Financial/$CVBF
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Capital at risk
About CVB Financial
CVB Financial Corp is the holding company for Citizens Business Bank. Citizens Business Bank offers banking, lending, and investing services. It provides a full complement of lending products, including commercial, agribusiness, consumer, SBA, real estate, and construction loans, as well as equipment and vehicle leasing. Commercial products include lines of credit and other working capital financing, accounts receivable lending and letters of credit. It is a community bank with one reportable operating segment.
- Ticker
- $CVBF
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 1,079
- Headquarters
- Ontario, United States
- Website
- www.cbbank.com
CVB Financial Metrics
BasicAdvanced
$4B
15.85
$1.43
0.65
$0.80
3.52%
Price and volume
Market cap
$4B
Beta
0.65
52-week high
$23.41
52-week low
$17.95
Average daily volume
1.1M
Dividend rate
$0.80
Financial strength
Dividend payout ratio (TTM)
52.93%
Profitability
Net profit margin (TTM)
36.14%
Operating margin (TTM)
55.44%
Effective tax rate (TTM)
25.30%
Revenue per employee (TTM)
$530,000
Management effectiveness
Return on assets (TTM)
1.13%
Return on equity (TTM)
7.65%
Valuation
Price to earnings (TTM)
15.854
Price to revenue (TTM)
5.693
Price to book
1.26
Price to tangible book (TTM)
2.05
Price to free cash flow (TTM)
5.693
Free cash flow yield (TTM)
17.57%
Free cash flow per share (TTM)
3.991
Dividend yield (TTM)
3.52%
Forward dividend yield
3.52%
Growth
Revenue change (TTM)
12.69%
Earnings per share change (TTM)
-1.87%
3-year revenue growth (CAGR)
0.99%
3-year earnings per share growth (CAGR)
-6.47%
10-year earnings per share growth (CAGR)
3.88%
10-year dividend per share growth (CAGR)
5.24%
Bulls say / Bears say
The Heritage merger gives CVBF a larger California footprint, taking it into every major economic centre in the state. It added roughly $3.4 billion of loans and $4.7 billion of deposits, creating more scope for relationship banking and cross-selling. (CVB Financial, CVB Financial)
Underlying earning power improved sharply in the second quarter: net interest margin rose to 3.72% from 3.44% and loan originations were about 85% higher than a year earlier. The acquired factoring business also produced an 18.04% average yield, although that yield may not be fully repeatable. (CVB Financial, Investing.com)
Credit losses remain modest despite the enlarged balance sheet: second-quarter net charge-offs were only $137,000 and non-performing assets were 0.08% of total assets. CVBF also has a long record of profitability and uninterrupted cash dividends, which supports its appeal to income-focused investors. (CVB Financial, CVB Financial)
Reported earnings weakened during the merger period: second-quarter net income fell to $48.3 million from $51.0 million in the first quarter, while diluted EPS fell to $0.29 from $0.38. The quarter included $31.4 million of acquisition costs and a $4.25 million provision for unfunded commitments. (CVB Financial, Investing.com)
The investment case depends on CVBF delivering planned merger synergies and earnings accretion, rather than on current returns: management expects 90% to 95% of cost savings by the fourth quarter and full synergies in 2027. The deal also created $450.7 million of intangible assets, including $334.1 million of goodwill, increasing the downside if the acquired franchise underperforms. (Investing.com, CVB Financial)
The enlarged funding base is somewhat less attractive than CVBF’s pre-merger mix: non-interest-bearing deposits fell to 53% of total deposits from 59% before the deal, while deposit and repurchase-agreement costs rose to 0.86% from 0.82%. Classified loans also increased to $109.7 million, or 0.91% of loans, showing that credit and funding risks need monitoring as the balance sheet expands. (Investing.com, CVB Financial)
Data summarised monthly by Lightyear AI. Last updated on 16 Sept 2026.
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Funds containing CVB Financial
AllUSDGBPEUR
Fund name | Fund size | $CVBF weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.21% |
iShares S&P Small Cap 600£ISP6 | £2.4B | 0.21% |
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.13% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.11% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | £2.4B | 0.11% |
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