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Southern California-based commercial bank (Citizens Business Bank) serving businesses in the Inland Empire and greater LA.
Southern California-based commercial bank (Citizens Business Bank) serving businesses in the Inland Empire and greater LA.
Earns mainly from the gap between loan interest and a low deposit cost, helped by a large base of business checking accounts that pay no interest, with commercial real estate and business loans the main assets. Fees from trust, wealth and treasury services are secondary. It has grown by buying smaller banks in Southern California.
Moat: narrow (scale, cost advantage). Conservative underwriting and low-cost deposit base built over decades in its home market.
Headquarters: Ontario, California, US · Founded: 1974 · Employees: 1,079
Size CVB Financial (CVBF) is a United States Financials company (Regional Banks) with a market value of $3.99B, the 1345th largest of 3,117 United States companies the cockpit tracks. Shares closed at $22.74 on 6 Nov 2026.
Performance Over six months the shares gained 11.8%, against +6.5% for the median peer and -1.1% for the United States market (cap-weighted) — 3rd highest of 21 in its peer set.
Growth Revenue grew 22.6% over the last twelve months (peer median +2.9%); the operating margin is 55.6% (peer median 43.7%).
Valuation It trades at 1.27× book value against a peer median of 1.25× (10th most expensive of 21).
Price implies The share price implies a return on equity of about 9.8%; CVB Financial delivers 8.6%, so the price asks more than the business earns today.
Short interest Short interest is 5.6% of the free float (15 Oct 2026).
Next results Next results expected around 27 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $787M | $648M | $684M | $666M | $562M |
| Revenue growth | — | -5% | +3% | +18% | — |
| Net income | $231M | $208M | $199M | $220M | $234M |
| Free cash flow | n/a | $217M | $245M | $291M | $268M |
| Capital expenditure | n/a | $4.07M | $5.13M | $114M | $5.36M |
| Total debt | $1.15B | $1.04B | $812M | $2.37B | $1.58B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| CVB Financial CVBF | $3.99B | +12% | +23% | 9% | 1.27× | 9.8% |
| Cathay General Bancorp CATY | $4.24B | +12% | +3% | 12% | 1.39× | 11.8% |
| Preferred Bank PFBC | $1.22B | +8% | 0% | 17% | 1.54× | 10.3% |
| East West Bancorp EWBC | $17.7B | +5% | +3% | 17% | 1.95× | 16.3% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | CVBF | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +4.5% | +2.1% | 9th highest of 21 |
| 6-month return | +11.8% | +6.5% | 3rd highest of 21 |
| Return on equity | 8.6% | 9.1% | 9th lowest of 21 |
| Price / book | 1.27× | 1.25× | 10th most expensive of 21 |
| Trailing P/E | 15.1× | 12.0× | 6th most expensive of 19 |
| ROE the price implies | 9.8% | 9.8% | 10th least demanding of 20 |
| ROE delivered | 8.6% | 9.3% | 8th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| CVB Financial CVBF | United States | $3.99B | +12% | +23% | 9% | 1.27× | 9.8% | 8.6% |
| Zuger Kantonalbank ZUGER.SW | Switzerland | $4.04B | +8% | -10% | 8% | 2.03× | n/a | 8.3% |
| Independent Bank INDB | United States | $3.94B | +8% | +25% | 9% | 1.14× | 9.5% | 9.3% |
| First Bancorp FBP | United States | $3.92B | +8% | +3% | 19% | 2.09× | 15.7% | 19.4% |
| Bank Handlowy w Warszawie BHW.WA | Poland | $4.09B | +7% | -22% | 17% | 1.72× | 17.1% | 16.7% |
| Hirogin 7337.T | Japan | $3.89B | +9% | +26% | 8% | 0.99× | 7.4% | 8.2% |
| BancFirst BANF | United States | $3.87B | +2% | -3% | 14% | 1.94× | 12.7% | 13.6% |
| Karur Vysya Bank KARURVYSYA.NS | India | $3.80B | +18% | +14% | 21% | 2.32× | 30.7% | 21.0% |
| EQB EQB.TO | Canada | $3.79B | +3% | -4% | 0% | 1.44× | 12.8% | -0.1% |
| International Bancshares IBOC | United States | $4.20B | -8% | +2% | 13% | 1.25× | 9.8% | 12.9% |
| Chugin Financial Group,Inc 5832.T | Japan | $3.76B | +10% | +34% | 8% | 0.86× | 6.5% | 8.3% |
| Cathay General Bancorp CATY | United States | $4.24B | +12% | +3% | 12% | 1.39× | 11.8% | 12.2% |
| WesBanco WSBC | United States | $3.70B | +13% | +17% | 9% | 0.96× | 8.2% | 8.8% |
| Bendigo & Adelaide Bank BEN.AX | Australia | $4.36B | +5% | -6% | 6% | 0.93× | 11.0% | 5.6% |
| United Community Banks UCB | United States | $4.43B | +11% | -18% | 4% | 1.26× | 10.9% | 4.1% |
| Twenty One Capital XXI | United States | $3.57B | -36% | n/a | -12% | 1.38× | 7.6% | n/a |
| Renasant RNST | United States | $3.55B | -2% | +20% | 9% | 0.93× | 9.5% | 8.7% |
| ServisFirst Bancshares SFBS | United States | $4.49B | +2% | +5% | 18% | 2.21× | 17.2% | 17.9% |
| Yamaguchi Financial 8418.T | Japan | $3.54B | +6% | +19% | 6% | 0.84× | 5.8% | 5.7% |
| First Interstate BancSystem FIBK | United States | $3.50B | +4% | -4% | 10% | 1.12× | 9.0% | 9.5% |
| Jiangsu Changshu Rural Commercial Bank 601128.SS | China | $3.48B | -4% | -1% | 14% | 0.67× | 2.5% | 13.8% |