Company Analysis

CVB Financial Corporation (CVBF)

Nasdaq: CVBF · State Commercial Banks · Ontario, CA · filing with the SEC since 1994
Grade5.8
◀ Past 6.8● Present 6.0▶ Future 4.0

The grade of CVB Financial Corporation

Nine metrics read from its own filings, by tense
Headline grade
5.8/10
◀ Past6.840% of the headline
● Present6.035% of the headline
▶ Future4.025% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

6.8/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
7.8/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 78th percentile among 165 sector filers · read for itself

From the record

CVB Financial Corporation's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
3.0/10

What has it actually done, year after year?

+9.4% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 30th percentile among 152 sector filers · read for its customers

From the record

CVB Financial Corporation's 10 filed years say what it did: revenue went from $265 million in fiscal 2016 to $593 million in fiscal 2025, up 9.4% a year; it rose in 6 of 9 years; the deepest fall was 8% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span9.4%bottom 21% of its family
  • the share of years revenue rosebottom 8% of its family
  • the share of filed years with a profittop 44% of its family
  • the deepest fall from a revenue peak8.1%bottom 35% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
7.9/10

How has it treated the people who own it?

Share count shrank 0.7% a year. 57% of cash flow returned. Insiders: 1 sales, 7 purchases.

weight 33% of this tense · 79th percentile among 157 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, CVB Financial Corporation's diluted share count shrank about 0.7% a year, and dividends and buybacks returned about 57% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 1 sale and 7 purchases of their own stock on the open market in the year to 2026-10-21, buying about $4 million (their Form 4 filings).

What it rests on

  • the share count over the yearstop 26% of its family
  • cash returned against operating cash flowtop 16% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

6.0/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
7.1/10

Is it financially healthy right now?

ROE 9%: 9¢ of profit per shareholder dollar. Leverage 85%: owes 85¢ per asset dollar.

weight 45% of this tense · 71st percentile among 161 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, CVB Financial Corporation earned about 9 cents of profit for every dollar of shareholders' money. Leverage: it owed about 85 cents per dollar of assets, and net share issuance: its share count shrank 1.1% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 7% of its family
  • return on equitybottom 41% of its family
  • the share count against the year beforetop 20% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
5.6/10

How strong is its position in its industry?

top 44% of 155 in its family; net margin 35.3%.

weight 33% of this tense · 56th percentile among 155 sector filers · read for its customers

From the record

CVB Financial Corporation's standing among 155 graded names in its industry family: revenue of $593 million in fiscal 2025 ranks in the top 32% by size; a net margin of 35.3% ranks in the top 6%; revenue growth of 4.9% a year over the last 3 filed years ranks in the bottom 7% (its annual reports).

What it rests on

  • revenue against the family$593Mtop 32% of its family
  • net margin35.3%top 6% of its family
  • three-year revenue growth4.9%bottom 7% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
4.0/10

What are the people in charge doing?

bottom 40% of 150 in its family for leadership; chief executive since 2021.

weight 22% of this tense · 40th percentile among 150 sector filers · read for its shareholders

From the record

CVB Financial Corporation's leadership, from its insiders' filings and its current reports: the chief executive on the record is Brager, David A. (President & CEO, as filed), filing under that title since 2021-11-18, 5 years (bottom 30% of its family); the 18 officers and directors filing in the last fifteen months have been on the record a median of 9.5 years (top 21%); 11 officer or director changes were reported on Form 8-K since 2023-11-13, against the 18 people in charge now (bottom 12%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge11 in three years among 18 peoplebottom 12% of its family
  • the median years the people in charge have filed9.5 yearstop 21% of its family
  • the chief executive's years on the record5.0 yearsbottom 30% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

4.0/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
6.5/10

How much room does it have to grow?

top 35% of 142 in its family for room to expand.

weight 33% of this tense · 65th percentile among 142 sector filers · read for itself

From the record

CVB Financial Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $376 million against no long-term debt tagged leaves 2.4% of its assets as net cash, bottom 43% of its family; cash from operations less capital spending is 36.6% of revenue (top 13%) (its annual report).

What it rests on

  • cash less debt against assets2.4%bottom 43% of its family
  • cash from operations less capital spending against revenue36.6%top 13% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
1.4/10

What could actually drive growth from here?

bottom 14% of 152 in its family for growth drivers.

weight 33% of this tense · 14th percentile among 152 sector filers · read for its customers

From the record

CVB Financial Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew 4.9% a year over the last three filed years against 9.4% over all 10, slowing (bottom 9% of its family); the newest year grew -5.8% (bottom 5%); capital spending grew -8.8% a year (bottom 28%) (its annual reports). CVB Financial Corporation tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span-4.5 points a yearbottom 9% of its family
  • the newest year's revenue growth-5.8%bottom 5% of its family
  • three-year growth of capital spending-8.8%bottom 28% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
4.3/10

Did its newest year beat what its own record pointed to?

bottom 43% of 150 in its family for expectations against reality.

weight 33% of this tense · 43rd percentile among 150 sector filers · read for its shareholders

From the record

CVB Financial Corporation's newest year against its own record: revenue of $593 million in fiscal 2025 came in 14.9% below the $697 million its prior three years' pace pointed to (top 47% of its family); net income of $209 million against a prior three-year average of $219 million (bottom 21%); a net margin of 35.3% against 38% before (top 46%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-14.9%top 47% of its family
  • net income against the prior three years' average-5%bottom 21% of its family
  • net margin against its prior average-2.8 pointstop 46% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton CVBF · research, not advice