Is CVB Financial (CVBF) overvalued or fairly valued?

MarketChacha shows CVB Financial's valuation in context — a trailing P/E of about 15.6, a forward P/E of about 11.1, a price-to-book of about 1.2 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does CVB Financial's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.21×) from reported figures — education, not a rating.

What is the share price of CVB Financial (CVBF)?

CVB Financial last traded at $22.10 (+1.1% on the day), as of 10/20/2026 — a delayed quote shown for education, not investment advice.

CVB Financial

CVBF · NYSE · Financials · United States

Snapshot

TickerCVBF

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees1,079

HeadquartersOntario, United States

Websitewww.cbbank.com

Filings tracked25

About CVB Financial

CVB Financial Corp. operates as bank holding company for Citizens Business Bank, National Association, a state-chartered bank that provides banking and financial services to small to mid-sized businesses and individuals. The company offers checking, savings, money market, and certificates of time deposit products for business and personal accounts, municipalities and districts, and specialized deposit products for title and escrow; and serves as a federal tax depository for business customers. It also provides commercial lending products comprising lines of credit and other working capital financing, accounts receivable lending, and letters of credit; agriculture loans to finance the operating needs of wholesale dairy farm operations, cattle feeders, livestock raisers, and farmers; lease financing services for municipal governments; commercial real estate and construction loans; consumer financing products, including automobile leasing and financing, lines of credit, credit cards, home mortgages, and home equity loans; and equipment and vehicle leasing services. In addition, the company offers various specialized services, such as treasury management systems for monitoring and managing cash flow, a merchant card processing program, armored pick-up and delivery, payroll services, remote deposit capture, electronic funds transfers, wires and automated clearinghouse, and online account access; and foreign exchange and letters of credit services. Further, it provides financial and trust services, such as fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. CVB Financial Corp. was founded in 1974 and is headquartered in Ontario, California.

Who owns it

Insiders5.1%
Institutions87.2%
Public & other7.7%

438 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.14.60%
State Street Corporation5.97%
Vanguard Portfolio Management LLC5.77%
Dimensional Fund Advisors LP5.71%
FMR, LLC5.59%
Vanguard Capital Management LLC4.29%
Charles Schwab Investment Management, Inc.3.63%
Geode Capital Management, LLC2.54%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion1.21×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $195.5M · EPS 0.47

Est. earnings growth +16.5%

Next fiscal year

Rev $805.2M · EPS 2.00

Est. earnings growth +14.6%

Analyst consensus estimates — not the company's own guidance.

New to these terms?

P/E ROE ROCE Margins Market cap

Browse the Learn hub →

Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

ROE

9.1%

Profit CAGR (2y)

-2.8%

EPS (FY2025)

1.52

Net profit (FY2025)

$209.3M

Ask MarketChacha about CVBF

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Net profit	EPS	ROE
FY2025	$209.3M	1.52	9.1%
FY2024	$200.7M	1.44	9.2%
FY2023	$221.4M	1.59	10.7%

Quarterly

Period	Net profit	EPS
2026Q2	$48.3M	0.29
2026Q1	$51.0M	0.38
2025Q3	$52.6M	0.38
2025Q2	$50.6M	0.37
2025Q1	$51.1M	0.36
2024Q3	$51.2M	0.37
2024Q2	$50.0M	0.36
2024Q1	$48.6M	0.35
2023Q3	$57.9M	0.42
2023Q2	$55.8M	0.40
2023Q1	$59.3M	0.42

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

10-Q filing
SEC8/7/2026
8-K — Executive/director change, Exhibits
SEC7/23/2026material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC7/23/2026material
8-K — Other events, Exhibits
SEC6/15/2026material
8-K — Executive/director change, Exhibits
SEC6/1/2026material
8-K — Executive/director change
SEC5/26/2026material
8-K — Shareholder vote results
SEC5/22/2026material
10-Q filing
SEC5/8/2026
8-K/A — Exhibits
SEC5/7/2026
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC4/23/2026material
8-K — Completion of acquisition/disposition, Executive/director change, Reg FD disclosure, Exhibits
SEC4/21/2026material
8-K — Reg FD disclosure, Other events, Exhibits
SEC4/1/2026material
8-K — Shareholder vote results, Reg FD disclosure, Exhibits
SEC3/27/2026material
8-K — Other events
SEC3/18/2026material
10-K filing
SEC2/27/2026
8-K — Executive/director change
SEC2/19/2026material
8-K — Results of operations, Exhibits
SEC1/22/2026material
8-K — Reg FD disclosure, Exhibits
SEC1/22/2026material

2025

8-K — Material agreement, Executive/director change, Exhibits
SEC12/23/2025material
8-K — Reg FD disclosure, Exhibits
SEC12/17/2025material
8-K — Other events
SEC12/11/2025material
10-Q filing
SEC11/7/2025
8-K — Results of operations, Exhibits
SEC10/23/2025material
8-K — Reg FD disclosure, Exhibits
SEC10/23/2025material
8-K — Executive/director change, Exhibits
SEC10/23/2025material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.