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CVB Financial (CVBF) Financials

CVB Financial logo
$19.08 +0.33 (+1.76%)
Closing price 05/2/2025 04:00 PM Eastern
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$19.08 +0.01 (+0.03%)
As of 05/2/2025 04:05 PM Eastern
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Annual Income Statements for CVB Financial

Annual Income Statements for CVB Financial

This table shows CVB Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 107 109 104 152 208 168 229 383 208 196
Consolidated Net Income / (Loss)		 99 101 104 152 208 177 213 235 221 201
Net Income / (Loss) Continuing Operations		 99 101 104 152 208 177 213 235 221 201
Total Pre-Tax Income 		151 162 189 211 291 250 298 328 315 271
Total Revenue		 286 293 321 393 495 466 462 556 547 502
Net Interest Income / (Expense)		 253 257 279 349 436 416 415 506 488 447
Total Interest Income		 262 265 287 362 458 430 421 515 606 630
Loans and Leases Interest Income		 186 193 214 293 398 377 357 389 448 456
Investment Securities Interest Income		 75 70 72 67 58 51 61 119 140 136
Deposits and Money Market Investments Interest Income		 - 1.91 0.93 1.64 2.27 1.68 2.57 6.71 18 39
Total Interest Expense		 8.57 7.98 8.30 13 22 14 6.08 9.16 118 183
Deposits Interest Expense		 5.27 5.96 6.04 9.83 17 13 5.35 6.83 52 105
Federal Funds Purchased and Securities Sold Interest Expense		 2.87 1.48 1.58 2.07 3.96 1.13 0.55 2.33 67 77
Other Interest Expense		 - - - - - - - 0.00 0.00 0.57
Total Non-Interest Income		 33 36 42 43 59 50 47 50 59 54
Other Service Charges		 22 4.28 6.20 6.59 43 11 7.01 7.55 12 8.72
Net Realized & Unrealized Capital Gains on Investments		 0.73 1.08 3.44 3.55 11 2.07 1.37 2.72 0.00 -2.42
Other Non-Interest Income		 2.56 30 32 33 5.80 37 39 40 47 48
Provision for Credit Losses		 -5.60 -6.40 -8.50 1.50 5.00 24 -26 11 2.00 -3.00
Total Non-Interest Expense		 141 137 141 180 199 193 190 217 230 234
Salaries and Employee Benefits		 79 83 87 101 119 120 118 132 139 144
Net Occupancy & Equipment Expense		 15 16 17 20 20 21 20 23 22 23
Marketing Expense		 5.02 5.03 4.84 5.30 5.89 4.49 4.62 6.30 6.76 7.31
Other Operating Expenses		 42 26 29 32 36 39 38 42 55 53
Amortization Expense		 - 1.11 1.33 5.25 11 9.35 8.24 7.57 6.45 5.32
Restructuring Charge		 0.48 1.90 2.25 16 6.45 0.00 0.96 6.01 0.00 0.00
Income Tax Expense		 52 61 84 59 83 72 85 93 94 71
Other Adjustment to Net Income / (Loss) Attributable to Common Shareholders)		 -7.36 -7.78 - - - 9.54 -17 -147 13 4.87
Basic Earnings per Share		 $0.93 $0.94 $0.95 $1.25 - $1.30 $1.57 $1.67 $1.59 $1.44
Weighted Average Basic Shares Outstanding		 114.50M 116.20M 116.60M 139.97M 140.11M 135.87M 141.92M 139.51M 139.37M 139.62M
Diluted Earnings per Share		 $0.93 $0.94 $0.95 $1.24 $1.48 $1.30 $1.56 $1.67 $1.59 $1.44
Weighted Average Diluted Shares Outstanding		 114.50M 116.20M 116.60M 139.97M 140.11M 135.87M 141.92M 139.51M 139.37M 139.62M
Weighted Average Basic & Diluted Shares Outstanding		 114.50M 116.20M 116.60M 139.97M 140.11M 135.87M 141.92M 139.51M 139.37M 139.62M
Cash Dividends to Common per Share		 $0.48 $0.48 $0.54 $0.56 $0.72 $0.72 $0.72 $0.77 $0.80 $0.80

Quarterly Income Statements for CVB Financial

This table shows CVB Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 122 60 47 60 96 5.01 54 49 26 66
Consolidated Net Income / (Loss)		 65 66 59 56 58 49 49 50 51 51
Net Income / (Loss) Continuing Operations		 65 72 59 56 58 49 49 50 51 51
Total Pre-Tax Income 		90 93 83 78 81 75 67 69 68 68
Total Revenue		 145 155 139 132 138 139 127 125 126 124
Net Interest Income / (Expense)		 133 137 126 120 123 119 112 111 114 110
Total Interest Income		 135 142 143 149 156 158 158 159 166 148
Loans and Leases Interest Income		 100 107 108 111 113 116 116 114 115 110
Investment Securities Interest Income		 32 34 34 34 37 36 35 35 34 31
Deposits and Money Market Investments Interest Income		 3.48 1.00 0.49 4.67 6.42 6.28 6.07 9.83 17 5.88
Total Interest Expense		 1.85 4.72 17 30 33 39 45 48 52 37
Deposits Interest Expense		 1.73 2.77 5.37 11 17 19 21 26 30 28
Federal Funds Purchased and Securities Sold Interest Expense		 0.12 1.95 12 19 16 20 24 22 22 8.29
Total Non-Interest Income		 12 12 13 13 14 19 14 14 13 13
Other Service Charges		 1.13 2.06 3.38 1.92 4.10 2.78 1.88 2.57 2.77 1.51
Other Non-Interest Income		 10 10 9.82 11 1.55 25 12 12 3.50 21
Provision for Credit Losses		 2.00 2.50 1.50 0.50 2.00 -2.00 0.00 0.00 0.00 -3.00
Total Non-Interest Expense		 53 54 55 54 55 66 60 56 59 58
Salaries and Employee Benefits		 33 34 35 34 35 36 36 35 37 36
Net Occupancy & Equipment Expense		 5.78 5.82 5.45 5.52 5.62 5.52 5.57 5.77 6.20 5.87
Marketing Expense		 1.49 1.71 1.72 1.32 1.63 2.09 1.63 1.96 1.96 1.76
Other Operating Expenses		 11 11 10 12 12 22 15 12 13 13
Amortization Expense		 1.85 1.72 1.72 1.72 1.57 1.45 1.44 1.44 1.29 1.16
Income Tax Expense		 25 27 23 22 23 26 18 19 16 17
Other Adjustment to Net Income / (Loss) Attributable to Common Shareholders)		 -57 12 12 -4.59 -38 43 -5.36 0.56 25 -16
Basic Earnings per Share		 $0.46 $0.48 $0.42 $0.40 $0.42 $0.35 $0.35 $0.36 $0.37 $0.36
Weighted Average Basic Shares Outstanding		 139.81M 139.51M 139.29M 139.34M 139.34M 139.37M 139.64M 139.68M 139.68M 139.62M
Diluted Earnings per Share		 $0.46 $0.48 $0.42 $0.40 $0.42 $0.35 $0.35 $0.36 $0.37 $0.36
Weighted Average Diluted Shares Outstanding		 139.81M 139.51M 139.29M 139.34M 139.34M 139.37M 139.64M 139.68M 139.68M 139.62M
Weighted Average Basic & Diluted Shares Outstanding		 139.81M 139.51M 139.29M 139.34M 139.34M 139.37M 139.64M 139.68M 139.68M 139.62M
Cash Dividends to Common per Share		 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20

Annual Cash Flow Statements for CVB Financial

This table details how cash moves in and out of CVB Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 0.33 16 23 -424 1,773 -226 -1,619 19 -65
Net Cash From Operating Activities		 100 125 138 208 185 195 274 296 250
Net Cash From Continuing Operating Activities		 106 73 138 225 84 167 183 237 262
Net Income / (Loss) Continuing Operations		 99 101 104 208 177 213 235 221 201
Consolidated Net Income / (Loss)		 99 101 104 208 177 213 235 221 201
Provision For Loan Losses		 -4.94 -6.06 -8.90 5.00 24 -1.00 11 1.50 -4.25
Depreciation Expense		 -1.47 5.32 2.66 22 -1.16 -6.43 14 18 15
Amortization Expense		 20 -21 18 -10 -15 -32 -27 -18 -17
Non-Cash Adjustments to Reconcile Net Income		 36 53 -12 3.19 -90 -5.91 -45 -30 42
Changes in Operating Assets and Liabilities, net		 -1.88 -8.19 35 -2.55 -11 0.37 -4.44 44 24
Net Cash From Investing Activities		 -301 -154 140 325 -1,269 -1,730 -1,177 536 853
Net Cash From Continuing Investing Activities		 -301 -154 140 -137 -1,269 -1,730 -1,177 536 853
Purchase of Property, Leasehold Improvements and Equipment		 -1.87 -13 -4.89 -5.52 -4.67 -4.68 -5.36 -4.52 -5.14
Purchase of Investment Securities		 -884 -1,020 -363 -788 -2,031 -2,690 -1,879 19 -102
Sale and/or Maturity of Investments		 590 839 587 646 805 946 681 521 907
Other Investing Activities, net		 -5.57 47 -82 10 -41 18 26 1.34 52
Net Cash From Financing Activities		 195 45 -256 -512 2,856 1,310 -626 -754 -1,179
Net Cash From Continuing Financing Activities		 195 45 -256 -512 2,856 1,335 -626 -754 -1,179
Net Change in Deposits		 313 178 -98 -123 3,032 1,240 -1,323 -1,403 515
Repayment of Debt		 -200 -5.00 -53 -280 0.00 - 993 1,075 -1,570
Repurchase of Common Equity		 -0.83 -1.91 -1.13 -2.64 -93 -8.34 -116 -21 -2.82
Payment of Dividends		 -49 -52 -57 -95 -98 -98 -104 -112 -112
Other Financing Activities, Net		 133 -81 2.68 -11 11 204 -75 -294 -9.19
Cash Interest Paid		 -9.47 7.99 -8.29 21 14 6.01 8.58 96 200

Quarterly Cash Flow Statements for CVB Financial

This table details how cash moves in and out of CVB Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Change in Cash & Equivalents		 -378 -205 24 391 -378 -18 668 -105 -391 -237
Net Cash From Operating Activities		 74 71 70 92 85 49 77 26 71 75
Net Cash From Continuing Operating Activities		 74 -19 71 91 85 -9.73 81 3.01 152 25
Net Income / (Loss) Continuing Operations		 65 66 59 56 58 49 49 50 51 51
Consolidated Net Income / (Loss)		 65 66 59 56 58 49 49 50 51 51
Provision For Loan Losses		 2.00 2.50 2.00 0.90 1.10 -2.50 0.00 -0.50 -0.75 -3.00
Depreciation Expense		 3.68 4.24 4.45 3.89 5.65 4.18 3.09 0.86 6.95 4.47
Amortization Expense		 6.44 -48 4.64 4.74 4.43 -32 4.14 4.23 4.28 -29
Non-Cash Adjustments to Reconcile Net Income		 -2.35 -38 1.18 -1.90 0.05 -29 1.34 -24 81 -16
Changes in Operating Assets and Liabilities, net		 0.05 -5.85 -0.23 27 16 0.77 24 -27 8.98 19
Net Cash From Investing Activities		 -186 -215 233 149 162 -7.23 231 203 458 -39
Net Cash From Continuing Investing Activities		 -844 448 255 127 162 -7.22 231 203 451 -32
Purchase of Property, Leasehold Improvements and Equipment		 -1.75 -1.30 -0.34 -2.01 -0.53 -1.64 -0.17 -1.78 -1.21 -1.98
Purchase of Investment Securities		 -874 311 139 -144 175 -151 119 -167 337 -391
Sale and/or Maturity of Investments		 32 149 118 291 -39 150 116 366 132 293
Other Investing Activities, net		 -0.21 -1.96 -2.39 -19 26 -4.11 -4.42 5.29 -17 68
Net Cash From Financing Activities		 -267 29 -279 150 -625 -0.87 360 -334 -920 -284
Net Cash From Continuing Financing Activities		 -127 -111 -279 150 -625 -0.87 360 -334 -920 -284
Net Change in Deposits		 -200 -1,036 -564 126 -39 -925 461 -105 282 -124
Repurchase of Common Equity		 134 -140 -21 -0.02 -0.14 -0.03 -2.57 -0.02 -0.03 -0.19
Payment of Dividends		 -27 -28 -28 -28 -28 -28 -28 -28 -28 -28
Other Financing Activities, Net		 -35 98 -75 -38 -183 2.18 4.12 -6.89 126 -132
Cash Interest Paid		 1.76 4.45 17 24 24 30 23 59 80 38

Annual Balance Sheets for CVB Financial

This table presents CVB Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 7,671 8,074 8,271 11,529 11,282 14,419 15,884 16,477 16,021 15,154
Cash and Due from Banks		 106 122 144 164 186 1,958 1,733 203 281 205
Interest Bearing Deposits at Other Banks		 33 48 18 7.67 2.93 44 26 9.55 8.22 0.48
Trading Account Securities		 3,220 3,182 2,911 2,479 2,415 2,978 5,110 5,810 5,421 4,922
Loans and Leases, Net of Allowance		 3,958 4,334 4,771 7,701 7,496 8,255 7,823 8,994 8,818 8,456
Loans and Leases		 4,017 4,395 4,831 7,765 7,565 8,349 7,888 9,079 8,905 8,536
Allowance for Loan and Lease Losses		 59 62 60 64 69 94 65 85 87 80
Premises and Equipment, Net		 31 42 46 58 54 51 49 47 45 28
Goodwill		 74 90 117 667 664 664 664 766 766 766
Intangible Assets		 2.27 5.01 6.84 54 43 34 25 22 15 9.97
Other Assets		 247 252 257 399 423 436 454 625 667 767
Total Liabilities & Shareholders' Equity		 7,671 8,074 8,271 11,529 11,282 14,419 15,884 16,477 16,021 15,154
Total Liabilities		 6,748 7,083 7,201 9,678 9,288 12,411 13,802 14,528 13,943 12,967
Non-Interest Bearing Deposits		 3,250 3,674 3,846 5,205 5,246 7,455 8,104 8,164 7,206 7,037
Interest Bearing Deposits		 2,667 2,636 2,700 3,623 3,459 4,281 4,872 4,672 4,227 4,911
Short-Term Debt		 737 656 554 722 429 444 642 565 272 262
Accrued Interest Payable		 - - - - - - - 0.43 23 5.05
Long-Term Debt		 26 26 26 26 26 26 2.28 995 2,070 500
Other Long-Term Liabilities		 66 68 75 102 129 205 181 131 144 252
Commitments & Contingencies		 0.00 0.00 0.00 - - - 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 923 991 1,069 1,851 1,994 2,008 2,082 1,949 2,078 2,186
Total Preferred & Common Equity		 923 991 1,069 1,851 1,994 2,008 2,082 1,949 2,078 2,186
Total Common Equity		 923 991 1,069 1,851 1,994 2,008 2,082 1,949 2,078 2,186
Common Stock		 503 531 573 1,294 1,299 1,212 1,210 1,300 1,289 1,297
Retained Earnings		 400 449 494 576 683 761 876 1,003 1,113 1,201
Accumulated Other Comprehensive Income / (Loss)		 21 10 1.45 -18 13 35 -3.97 -355 -324 -312

Quarterly Balance Sheets for CVB Financial

This table presents CVB Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024
Total Assets		 16,349 16,274 16,485 15,903 16,468 16,151 15,403
Cash and Due from Banks		 319 228 618 241 950 844 453
Interest Bearing Deposits at Other Banks		 7.59 12 30 4.11 13 7.35 24
Trading Account Securities		 5,880 5,741 5,581 5,363 5,292 5,176 4,871
Loans and Leases, Net of Allowance		 8,692 8,856 8,820 8,789 8,688 8,599 8,490
Loans and Leases		 8,774 8,942 8,907 8,878 8,771 8,682 8,573
Allowance for Loan and Lease Losses		 83 87 87 89 83 83 83
Premises and Equipment, Net		 47 45 46 45 43 43 36
Goodwill		 766 766 766 766 766 766 766
Intangible Assets		 23 20 18 17 14 12 11
Other Assets		 615 607 605 680 703 704 752
Total Liabilities & Shareholders' Equity		 16,349 16,274 16,485 15,903 16,468 16,151 15,403
Total Liabilities		 14,470 14,284 14,483 13,952 14,381 14,039 13,205
Non-Interest Bearing Deposits		 8,765 7,844 7,879 7,587 7,113 7,090 7,137
Interest Bearing Deposits		 5,108 4,428 4,519 4,772 4,782 4,700 4,936
Short-Term Debt		 468 490 452 270 276 269 395
Accrued Interest Payable		 - - - - 45 34 6.68
Long-Term Debt		 0.00 1,405 1,495 1,120 1,995 1,800 500
Other Long-Term Liabilities		 130 117 138 203 170 146 232
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,879 1,990 2,001 1,951 2,087 2,112 2,198
Total Preferred & Common Equity		 1,879 1,990 2,001 1,951 2,087 2,112 2,198
Total Common Equity		 1,879 1,990 2,001 1,951 2,087 2,112 2,198
Common Stock		 1,298 1,282 1,284 1,286 1,289 1,291 1,294
Retained Earnings		 965 1,034 1,062 1,092 1,133 1,155 1,179
Accumulated Other Comprehensive Income / (Loss)		 -383 -326 -345 -427 -335 -334 -275

Annual Metrics and Ratios for CVB Financial

This table displays calculated financial ratios and metrics derived from CVB Financial's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 4.95% 2.17% 9.71% 22.26% 26.06% -5.84% -0.86% 20.26% -1.47% -8.31%
EBITDA Growth		 -8.24% -13.47% 42.88% -1.69% 47.04% -22.95% 11.00% 21.80% 0.04% -14.51%
EBIT Growth		 -7.02% 7.21% 16.33% 11.82% 37.87% -14.28% 19.29% 10.31% -3.93% -14.01%
NOPAT Growth		 -4.69% 2.30% 2.94% 45.58% 36.73% -14.76% 19.96% 10.78% -5.94% -9.36%
Net Income Growth		 -4.69% 2.30% 2.94% 45.58% 36.73% -14.76% 19.96% 10.78% -5.94% -9.36%
EPS Growth		 -5.10% 1.08% 1.06% 30.53% 19.35% -12.16% 20.00% 7.05% -4.79% -9.43%
Operating Cash Flow Growth		 -25.88% 24.29% 11.14% 19.18% 26.21% -11.09% 5.48% 40.20% 8.00% -15.51%
Free Cash Flow Firm Growth		 26.07% -9.20% 11.88% -722.48% 144.90% -58.85% -124.05% -1,442.66% -25.92% 342.61%
Invested Capital Growth		 -1.58% -0.78% -1.43% 57.64% -5.80% 1.21% 10.01% 28.71% 25.95% -33.29%
Revenue Q/Q Growth		 0.33% 0.65% -1.53% 17.68% -1.62% 0.53% -1.57% 7.87% -2.97% -2.90%
EBITDA Q/Q Growth		 -0.48% -19.59% 19.19% 0.58% 4.75% -5.06% -11.38% 15.44% -2.27% -1.42%
EBIT Q/Q Growth		 0.93% 1.35% -4.08% 15.73% 2.32% 1.33% -2.32% 10.64% -7.01% -2.36%
NOPAT Q/Q Growth		 3.15% -1.49% -8.12% 19.98% 4.07% -0.69% -1.10% 8.51% -7.39% 1.18%
Net Income Q/Q Growth		 3.15% -1.49% -8.12% 19.98% 4.07% -0.69% -1.10% 8.51% -7.39% 1.18%
EPS Q/Q Growth		 3.33% -1.05% -9.52% 12.73% 4.23% 0.78% -1.89% 9.15% -7.56% 0.70%
Operating Cash Flow Q/Q Growth		 -37.11% 61.23% -15.31% 10.93% 6.32% -6.89% 6.31% 4.67% -6.99% 11.65%
Free Cash Flow Firm Q/Q Growth		 -11.51% 118.06% 27.76% -51.55% 426.42% 78.46% -375.17% -192.19% 8.73% 274.10%
Invested Capital Q/Q Growth		 8.30% 4.08% 1.76% 14.31% 1.79% -0.92% 0.10% 49.53% 32.29% -4.66%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 59.15% 50.10% 65.25% 52.46% 61.20% 50.08% 56.07% 56.79% 57.65% 53.76%
EBIT Margin		 52.85% 55.46% 58.81% 53.78% 58.82% 53.55% 64.44% 59.11% 57.63% 54.05%
Profit (Net Income) Margin		 34.61% 34.66% 32.52% 38.72% 42.00% 38.02% 46.01% 42.38% 40.46% 40.00%
Tax Burden Percent		 65.50% 62.50% 55.30% 72.00% 71.40% 71.00% 71.40% 71.70% 70.20% 74.00%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 34.50% 37.50% 44.70% 28.00% 28.60% 29.00% 28.60% 28.30% 29.80% 26.00%
Return on Invested Capital (ROIC)		 5.83% 6.04% 6.29% 7.16% 8.23% 7.19% 8.17% 7.55% 5.59% 5.45%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.83% 6.04% 6.29% 7.16% 8.23% 7.19% 8.17% 7.55% 5.59% 5.45%
Return on Net Nonoperating Assets (RNNOA)		 5.17% 4.56% 3.85% 3.25% 2.58% 1.66% 2.23% 4.13% 5.41% 3.97%
Return on Equity (ROE)		 11.01% 10.60% 10.14% 10.41% 10.81% 8.85% 10.39% 11.68% 11.00% 9.41%
Cash Return on Invested Capital (CROIC)		 7.43% 6.83% 7.72% -37.59% 14.20% 5.99% -1.36% -17.56% -17.39% 45.39%
Operating Return on Assets (OROA)		 2.01% 2.06% 2.31% 2.13% 2.55% 1.94% 1.96% 2.03% 1.94% 1.74%
Return on Assets (ROA)		 1.32% 1.29% 1.28% 1.54% 1.82% 1.38% 1.40% 1.46% 1.36% 1.29%
Return on Common Equity (ROCE)		 11.01% 10.60% 10.14% 10.41% 10.81% 8.85% 10.39% 11.68% 11.00% 9.41%
Return on Equity Simple (ROE_SIMPLE)		 10.74% 10.24% 9.76% 8.21% 10.42% 8.82% 10.21% 12.08% 10.66% 9.18%
Net Operating Profit after Tax (NOPAT)		 99 101 104 152 208 177 213 235 221 201
NOPAT Margin		 34.61% 34.66% 32.52% 38.72% 42.00% 38.02% 46.01% 42.38% 40.46% 40.00%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 34.40% 35.30% 33.85% 32.11% 29.47% 31.09% 30.79% 28.92% 30.71% 34.91%
Operating Expenses to Revenue		 49.11% 46.73% 43.84% 45.83% 40.16% 41.40% 41.09% 38.98% 42.00% 46.55%
Earnings before Interest and Taxes (EBIT)		 151 162 189 211 291 250 298 328 315 271
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 169 147 209 206 303 233 259 315 316 270
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.42 1.86 1.85 1.20 1.22 1.11 1.22 1.68 1.28 1.37
Price to Tangible Book Value (P/TBV)		 1.55 2.06 2.09 1.96 1.89 1.70 1.82 2.83 2.06 2.12
Price to Revenue (P/Rev)		 4.58 6.30 6.15 5.64 4.92 4.79 5.49 5.90 4.87 5.96
Price to Earnings (P/E)		 12.30 16.89 18.91 14.57 11.72 13.32 11.07 8.57 12.79 15.27
Dividend Yield		 3.90% 2.81% 2.90% 3.55% 3.91% 4.37% 3.85% 3.28% 4.18% 3.74%
Earnings Yield		 8.13% 5.92% 5.29% 6.87% 8.53% 7.51% 9.03% 11.67% 7.82% 6.55%
Enterprise Value to Invested Capital (EV/IC)		 1.15 1.41 1.45 1.07 1.10 0.28 0.52 1.32 1.07 1.20
Enterprise Value to Revenue (EV/Rev)		 6.75 8.05 7.45 7.11 5.46 1.50 3.08 8.33 8.62 7.07
Enterprise Value to EBITDA (EV/EBITDA)		 11.42 16.07 11.42 13.55 8.92 3.00 5.49 14.67 14.95 13.15
Enterprise Value to EBIT (EV/EBIT)		 12.78 14.52 12.67 13.22 9.28 2.81 4.78 14.09 14.95 13.08
Enterprise Value to NOPAT (EV/NOPAT)		 19.51 23.23 22.91 18.36 13.00 3.95 6.69 19.65 21.30 17.67
Enterprise Value to Operating Cash Flow (EV/OCF)		 19.30 18.92 17.28 16.92 12.98 3.78 7.28 16.90 15.96 14.20
Enterprise Value to Free Cash Flow (EV/FCFF)		 15.32 20.56 18.65 0.00 7.54 4.75 0.00 0.00 0.00 2.12
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.83 0.69 0.54 0.40 0.23 0.23 0.31 0.80 1.13 0.35
Long-Term Debt to Equity		 0.03 0.03 0.02 0.01 0.01 0.01 0.00 0.51 1.00 0.23
Financial Leverage		 0.89 0.75 0.61 0.45 0.31 0.23 0.27 0.55 0.97 0.73
Leverage Ratio		 8.35 8.23 7.93 6.78 5.93 6.42 7.41 8.03 8.07 7.31
Compound Leverage Factor		 8.35 8.23 7.93 6.78 5.93 6.42 7.41 8.03 8.07 7.31
Debt to Total Capital		 45.23% 40.76% 35.15% 28.78% 18.56% 18.97% 23.65% 44.47% 52.98% 25.84%
Short-Term Debt to Total Capital		 43.70% 39.22% 33.59% 27.79% 17.51% 17.93% 23.56% 16.11% 6.15% 8.88%
Long-Term Debt to Total Capital		 1.53% 1.54% 1.56% 0.99% 1.05% 1.04% 0.08% 28.36% 46.84% 16.96%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 54.77% 59.24% 64.85% 71.22% 81.44% 81.03% 76.35% 55.53% 47.02% 74.16%
Debt to EBITDA		 4.50 4.65 2.77 3.63 1.50 2.02 2.49 4.95 7.42 2.82
Net Debt to EBITDA		 3.68 3.49 1.99 2.80 0.88 -6.56 -4.30 4.27 6.50 2.06
Long-Term Debt to EBITDA		 0.15 0.18 0.12 0.13 0.09 0.11 0.01 3.15 6.56 1.85
Debt to NOPAT		 7.69 6.72 5.55 4.92 2.19 2.65 3.03 6.63 10.57 3.80
Net Debt to NOPAT		 6.29 5.05 4.00 3.79 1.28 -8.65 -5.24 5.72 9.27 2.77
Long-Term Debt to NOPAT		 0.26 0.25 0.25 0.17 0.12 0.15 0.01 4.23 9.35 2.49
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 126 115 128 -798 359 148 -35 -547 -689 1,672
Operating Cash Flow to CapEx		 10,625.13% 987.17% 2,828.71% 0.00% 3,770.05% 7,284.38% 5,546.65% 5,107.87% 6,539.08% 4,863.97%
Free Cash Flow to Firm to Interest Expense		 14.73 14.37 15.46 -62.30 16.24 10.33 -5.84 -59.79 -5.82 9.15
Operating Cash Flow to Interest Expense		 11.69 15.61 16.68 12.87 9.43 12.96 32.11 29.90 2.50 1.37
Operating Cash Flow Less CapEx to Interest Expense		 11.58 14.03 16.09 13.20 9.18 12.78 31.53 29.31 2.46 1.34
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 8.82 7.97 7.28 7.52 8.82 8.86 9.22 11.60 11.98 13.89
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 1,686 1,673 1,649 2,599 2,449 2,478 2,726 3,509 4,420 2,948
Invested Capital Turnover		 0.17 0.17 0.19 0.18 0.20 0.19 0.18 0.18 0.14 0.14
Increase / (Decrease) in Invested Capital		 -27 -13 -24 950 -151 30 248 783 911 -1,471
Enterprise Value (EV)		 1,934 2,357 2,392 2,790 2,702 701 1,422 4,627 4,717 3,547
Market Capitalization		 1,311 1,844 1,975 2,214 2,436 2,232 2,535 3,280 2,665 2,990
Book Value per Share		 $8.68 $9.16 $9.71 $13.19 $14.23 $14.82 $15.36 $13.94 $14.91 $15.65
Tangible Book Value per Share		 $7.96 $8.29 $8.59 $8.06 $9.19 $9.67 $10.27 $8.30 $9.31 $10.10
Total Capital		 1,686 1,673 1,649 2,599 2,449 2,478 2,726 3,509 4,420 2,948
Total Debt		 762 682 580 748 454 470 645 1,560 2,342 762
Total Long-Term Debt		 26 26 26 26 26 26 2.28 995 2,070 500
Net Debt		 624 512 417 576 266 -1,532 -1,114 1,347 2,052 557
Capital Expenditures (CapEx)		 0.94 13 4.89 -4.19 5.52 2.54 3.52 5.36 4.52 5.14
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 762 682 580 748 454 470 645 1,560 2,342 762
Total Depreciation and Amortization (D&A)		 18 -16 21 -5.18 12 -16 -39 -13 0.12 -1.46
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $0.00 $1.25 $1.48 $0.00 $0.00 $1.67 $1.59 $1.44
Adjusted Weighted Average Basic Shares Outstanding		 106.37M 108.42M 110.16M 139.97M 140.11M 135.87M 141.92M 139.51M 139.37M 139.62M
Adjusted Diluted Earnings per Share		 $0.93 $0.94 $0.95 $1.24 $1.48 $1.30 $1.56 $1.67 $1.59 $1.44
Adjusted Weighted Average Diluted Shares Outstanding		 106.37M 108.42M 110.16M 139.97M 140.11M 135.87M 141.92M 139.51M 139.37M 139.62M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $1.48 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 106.37M 108.42M 110.16M 139.97M 140.11M 135.87M 141.92M 139.51M 139.37M 139.62M
Normalized Net Operating Profit after Tax (NOPAT)		 99 104 106 164 212 177 213 240 221 201
Normalized NOPAT Margin		 34.72% 35.61% 32.91% 41.73% 42.93% 38.02% 46.16% 43.16% 40.46% 40.00%
Pre Tax Income Margin		 52.85% 55.46% 58.81% 53.78% 58.82% 53.55% 64.44% 59.11% 57.63% 54.05%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 17.66 20.35 22.76 16.47 13.18 17.47 48.96 35.87 2.67 1.48
NOPAT to Interest Expense		 11.57 12.72 12.59 11.86 9.41 12.40 34.95 25.72 1.87 1.10
EBIT Less CapEx to Interest Expense		 17.55 18.77 22.17 16.80 12.93 17.29 48.38 35.28 2.63 1.46
NOPAT Less CapEx to Interest Expense		 11.46 11.14 12.00 12.19 9.16 12.22 34.38 25.13 1.83 1.07
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 49.28% 50.90% 54.64% -43.40% 45.88% 55.59% 45.99% 44.36% 50.44% 55.72%
Augmented Payout Ratio		 50.12% 52.78% 55.72% -48.50% 47.15% 107.95% 49.91% 93.77% 60.02% 57.12%

Quarterly Metrics and Ratios for CVB Financial

This table displays calculated financial ratios and metrics derived from CVB Financial's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 27.37% 35.30% 11.95% 0.77% -5.00% -10.80% -8.89% -5.23% -8.15% -10.83%
EBITDA Growth		 32.14% 349.69% 24.13% -1.21% -9.31% -13.52% -19.20% -14.41% -13.08% -8.29%
EBIT Growth		 29.01% 47.27% 30.27% 1.26% -10.32% -24.18% -19.07% -11.46% -16.13% -8.78%
NOPAT Growth		 29.92% 38.73% 30.09% -5.57% -10.45% -26.69% -18.00% -10.28% -11.51% 4.84%
Net Income Growth		 29.92% 38.73% 30.09% -5.57% -10.45% -26.69% -18.00% -10.28% -11.51% 4.84%
EPS Growth		 24.32% 41.18% 35.48% -4.76% -8.70% -27.08% -16.67% -10.00% -11.90% 2.86%
Operating Cash Flow Growth		 13.02% 20.84% -6.65% 72.65% 13.95% -31.32% 10.49% -71.58% -15.86% 53.55%
Free Cash Flow Firm Growth		 355.75% -257.76% -1,531.28% -779.18% -312.12% -20.31% 63.19% 87.04% 132.02% 276.57%
Invested Capital Growth		 -13.83% 28.71% 45.29% 58.90% 42.37% 25.95% 12.16% 5.89% -7.44% -33.29%
Revenue Q/Q Growth		 10.48% 7.15% -10.54% -4.85% 4.15% 0.61% -8.62% -1.03% 0.94% -2.32%
EBITDA Q/Q Growth		 14.50% -45.76% 68.90% -5.82% 5.10% -48.27% 57.80% -0.23% 6.73% -45.42%
EBIT Q/Q Growth		 17.20% 9.43% -16.09% -5.91% 3.80% -7.48% -10.44% 2.95% -1.68% 0.63%
NOPAT Q/Q Growth		 9.45% 2.37% -10.43% -5.91% 3.80% -16.20% 0.19% 2.95% 2.38% -0.71%
Net Income Q/Q Growth		 9.45% 2.37% -10.43% -5.91% 3.80% -16.20% 0.19% 2.95% 2.38% -0.71%
EPS Q/Q Growth		 9.52% 4.35% -12.50% -4.76% 5.00% -16.67% 0.00% 2.86% 2.78% -2.70%
Operating Cash Flow Q/Q Growth		 39.76% -4.80% -1.08% 31.18% -7.76% -42.63% 59.15% -66.25% 173.06% 4.70%
Free Cash Flow Firm Q/Q Growth		 112.93% -262.35% -60.73% -22.24% 33.50% 7.92% 50.83% 56.96% 264.31% 407.71%
Invested Capital Q/Q Growth		 -5.57% 49.53% 10.72% 1.64% -15.39% 32.29% -1.40% -4.05% -26.04% -4.66%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 69.01% 34.93% 65.96% 65.29% 65.88% 33.87% 58.49% 58.97% 62.35% 34.83%
EBIT Margin		 62.03% 63.35% 59.42% 58.76% 58.56% 53.85% 52.78% 54.90% 53.47% 55.08%
Profit (Net Income) Margin		 44.60% 42.61% 42.66% 42.19% 42.04% 35.02% 38.40% 39.94% 40.51% 41.17%
Tax Burden Percent		 71.90% 71.19% 71.80% 71.80% 71.80% 65.03% 72.75% 72.75% 75.76% 74.75%
Interest Burden Percent		 100.00% 94.48% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 28.10% 28.81% 28.20% 28.20% 28.20% 34.97% 27.25% 27.25% 24.25% 25.25%
Return on Invested Capital (ROIC)		 9.06% 7.59% 7.42% 7.49% 8.34% 4.83% 4.98% 5.19% 6.51% 5.61%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.06% 7.59% 7.42% 7.49% 8.34% 4.83% 4.98% 5.19% 6.51% 5.61%
Return on Net Nonoperating Assets (RNNOA)		 2.59% 4.15% 4.55% 4.61% 4.04% 4.69% 5.09% 5.07% 3.58% 4.08%
Return on Equity (ROE)		 11.65% 11.75% 11.97% 12.10% 12.38% 9.52% 10.08% 10.25% 10.09% 9.69%
Cash Return on Invested Capital (CROIC)		 23.42% -17.56% -29.33% -37.86% -26.55% -17.39% -6.35% -0.68% 13.90% 45.39%
Operating Return on Assets (OROA)		 1.96% 2.17% 2.00% 2.02% 2.05% 1.81% 1.72% 1.78% 1.77% 1.77%
Return on Assets (ROA)		 1.41% 1.46% 1.44% 1.45% 1.47% 1.18% 1.25% 1.29% 1.34% 1.33%
Return on Common Equity (ROCE)		 11.65% 11.75% 11.97% 12.10% 12.38% 9.52% 10.08% 10.25% 10.09% 9.69%
Return on Equity Simple (ROE_SIMPLE)		 11.55% 0.00% 12.52% 12.28% 12.25% 0.00% 10.10% 9.71% 9.03% 0.00%
Net Operating Profit after Tax (NOPAT)		 65 66 59 56 58 49 49 50 51 51
NOPAT Margin		 44.60% 42.61% 42.66% 42.19% 42.04% 35.02% 38.40% 39.94% 40.51% 41.17%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 27.94% 26.84% 30.53% 30.55% 30.50% 31.24% 34.44% 34.45% 35.44% 35.31%
Operating Expenses to Revenue		 36.59% 35.04% 39.50% 40.86% 39.99% 47.60% 47.22% 45.10% 46.53% 47.34%
Earnings before Interest and Taxes (EBIT)		 90 98 83 78 81 75 67 69 68 68
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 100 54 92 86 91 47 74 74 79 43
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.69 1.68 1.07 0.85 1.11 1.28 1.14 1.10 1.12 1.37
Price to Tangible Book Value (P/TBV)		 2.91 2.83 1.76 1.40 1.85 2.06 1.82 1.75 1.74 2.12
Price to Revenue (P/Rev)		 6.17 5.90 3.72 2.99 3.83 4.87 4.45 4.41 4.77 5.96
Price to Earnings (P/E)		 8.50 8.57 6.53 5.90 8.22 12.79 11.06 11.42 18.35 15.27
Dividend Yield		 3.21% 3.28% 5.07% 6.45% 5.16% 4.18% 4.68% 4.79% 4.53% 3.74%
Earnings Yield		 11.77% 11.67% 15.31% 16.95% 12.17% 7.82% 9.04% 8.76% 5.45% 6.55%
Enterprise Value to Invested Capital (EV/IC)		 1.41 1.32 0.97 0.76 0.99 1.07 0.85 0.85 0.93 1.20
Enterprise Value to Revenue (EV/Rev)		 6.44 8.33 6.62 5.26 5.86 8.62 6.89 6.72 5.58 7.07
Enterprise Value to EBITDA (EV/EBITDA)		 12.14 14.67 11.33 9.04 10.24 14.95 12.38 12.43 10.53 13.15
Enterprise Value to EBIT (EV/EBIT)		 11.18 14.09 10.86 8.62 9.74 14.95 12.31 12.20 10.38 13.08
Enterprise Value to NOPAT (EV/NOPAT)		 15.29 19.65 15.15 12.22 13.82 21.30 17.50 17.31 14.53 17.67
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.68 16.90 14.05 9.77 10.40 15.96 12.17 14.96 12.89 14.20
Enterprise Value to Free Cash Flow (EV/FCFF)		 5.59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.45 2.12
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.25 0.80 0.95 0.97 0.71 1.13 1.09 0.98 0.41 0.35
Long-Term Debt to Equity		 0.00 0.51 0.71 0.75 0.57 1.00 0.96 0.85 0.23 0.23
Financial Leverage		 0.29 0.55 0.61 0.62 0.48 0.97 1.02 0.98 0.55 0.73
Leverage Ratio		 8.26 8.03 8.32 8.35 8.42 8.07 8.03 7.93 7.55 7.31
Compound Leverage Factor		 8.26 7.59 8.32 8.35 8.42 8.07 8.03 7.93 7.55 7.31
Debt to Total Capital		 19.94% 44.47% 48.78% 49.32% 41.59% 52.98% 52.11% 49.48% 28.93% 25.84%
Short-Term Debt to Total Capital		 19.94% 16.11% 12.62% 11.46% 8.07% 6.15% 6.33% 6.43% 12.76% 8.88%
Long-Term Debt to Total Capital		 0.00% 28.36% 36.16% 37.86% 33.52% 46.84% 45.78% 43.05% 16.17% 16.96%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 80.06% 55.53% 51.22% 50.68% 58.41% 47.02% 47.89% 50.52% 71.07% 74.16%
Debt to EBITDA		 1.71 4.95 5.69 5.86 4.30 7.42 7.62 7.25 3.27 2.82
Net Debt to EBITDA		 0.52 4.27 4.97 3.91 3.55 6.50 4.39 4.26 1.52 2.06
Long-Term Debt to EBITDA		 0.00 3.15 4.22 4.50 3.47 6.56 6.70 6.30 1.83 1.85
Debt to NOPAT		 2.16 6.63 7.61 7.92 5.81 10.57 10.77 10.09 4.51 3.80
Net Debt to NOPAT		 0.65 5.72 6.65 5.28 4.79 9.27 6.21 5.94 2.10 2.77
Long-Term Debt to NOPAT		 0.00 4.23 5.64 6.08 4.68 9.35 9.47 8.78 2.52 2.49
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 441 -717 -1,152 -1,408 -936 -862 -424 -182 300 1,522
Operating Cash Flow to CapEx		 4,254.74% 5,444.32% 20,443.15% 4,585.39% 15,978.91% 2,966.54% 46,671.08% 1,468.88% 5,880.89% 3,784.86%
Free Cash Flow to Firm to Interest Expense		 238.60 -151.73 -67.52 -47.40 -28.50 -22.27 -9.37 -3.78 5.75 40.94
Operating Cash Flow to Interest Expense		 40.25 15.01 4.11 3.10 2.58 1.26 1.71 0.54 1.37 2.01
Operating Cash Flow Less CapEx to Interest Expense		 39.30 14.73 4.09 3.03 2.57 1.21 1.71 0.51 1.35 1.96
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.04 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 10.59 11.60 11.55 12.34 12.27 11.98 12.05 11.90 12.79 13.89
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 2,347 3,509 3,885 3,949 3,341 4,420 4,358 4,181 3,092 2,948
Invested Capital Turnover		 0.20 0.18 0.17 0.18 0.20 0.14 0.13 0.13 0.16 0.14
Increase / (Decrease) in Invested Capital		 -377 783 1,211 1,464 994 911 473 233 -249 -1,471
Enterprise Value (EV)		 3,317 4,627 3,776 3,004 3,305 4,717 3,688 3,548 2,883 3,547
Market Capitalization		 3,175 3,280 2,120 1,706 2,160 2,665 2,379 2,331 2,466 2,990
Book Value per Share		 $13.44 $13.94 $14.26 $14.37 $14.00 $14.91 $14.94 $15.13 $15.73 $15.65
Tangible Book Value per Share		 $7.79 $8.30 $8.63 $8.74 $8.39 $9.31 $9.36 $9.55 $10.17 $10.10
Total Capital		 2,347 3,509 3,885 3,949 3,341 4,420 4,358 4,181 3,092 2,948
Total Debt		 468 1,560 1,895 1,947 1,390 2,342 2,271 2,069 895 762
Total Long-Term Debt		 0.00 995 1,405 1,495 1,120 2,070 1,995 1,800 500 500
Net Debt		 142 1,347 1,656 1,299 1,145 2,052 1,308 1,217 417 557
Capital Expenditures (CapEx)		 1.75 1.30 0.34 2.01 0.53 1.64 0.17 1.78 1.21 1.98
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 468 1,560 1,895 1,947 1,390 2,342 2,271 2,069 895 762
Total Depreciation and Amortization (D&A)		 10 -44 9.08 8.63 10 -28 7.23 5.09 11 -25
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.46 $0.48 $0.42 $0.40 $0.42 $0.35 $0.35 $0.36 $0.37 $0.36
Adjusted Weighted Average Basic Shares Outstanding		 139.81M 139.51M 139.29M 139.34M 139.34M 139.37M 139.64M 139.68M 139.68M 139.62M
Adjusted Diluted Earnings per Share		 $0.46 $0.48 $0.42 $0.40 $0.42 $0.35 $0.35 $0.36 $0.37 $0.36
Adjusted Weighted Average Diluted Shares Outstanding		 139.81M 139.51M 139.29M 139.34M 139.34M 139.37M 139.64M 139.68M 139.68M 139.62M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 139.81M 139.51M 139.29M 139.34M 139.34M 139.37M 139.64M 139.68M 139.68M 139.62M
Normalized Net Operating Profit after Tax (NOPAT)		 65 66 59 56 58 49 49 50 51 51
Normalized NOPAT Margin		 44.60% 42.61% 42.66% 42.19% 42.04% 35.02% 38.40% 39.94% 40.51% 41.17%
Pre Tax Income Margin		 62.03% 59.85% 59.42% 58.76% 58.56% 53.85% 52.78% 54.90% 53.47% 55.08%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 48.60 20.83 4.84 2.61 2.45 1.93 1.48 1.43 1.30 1.83
NOPAT to Interest Expense		 34.94 14.01 3.47 1.88 1.76 1.25 1.07 1.04 0.98 1.37
EBIT Less CapEx to Interest Expense		 47.65 20.55 4.82 2.55 2.44 1.88 1.47 1.39 1.27 1.78
NOPAT Less CapEx to Interest Expense		 33.99 13.73 3.45 1.81 1.75 1.21 1.07 1.00 0.96 1.31
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 46.49% 44.36% 43.40% 44.95% 46.75% 50.44% 52.96% 54.48% 56.34% 55.72%
Augmented Payout Ratio		 35.57% 93.77% 70.59% 55.90% 114.22% 60.02% 54.27% 55.82% 57.68% 57.12%

Frequently Asked Questions About CVB Financial's Financials

When does CVB Financial's fiscal year end?

According to the most recent income statement we have on file, CVB Financial's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has CVB Financial's net income changed over the last 9 years?

CVB Financial's net income appears to be on an upward trend, with a most recent value of $200.72 million in 2024, rising from $99.15 million in 2015. The previous period was $221.44 million in 2023. See CVB Financial's forecast for analyst expectations on what’s next for the company.

How has CVB Financial revenue changed over the last 9 years?

Over the last 9 years, CVB Financial's total revenue changed from $286.43 million in 2015 to $501.82 million in 2024, a change of 75.2%.

How much debt does CVB Financial have?

CVB Financial's total liabilities were at $12.97 billion at the end of 2024, a 7.0% decrease from 2023, and a 92.2% increase since 2015.

How much cash does CVB Financial have?

In the past 9 years, CVB Financial's cash and equivalents has ranged from $106.10 million in 2015 to $1.96 billion in 2020, and is currently $204.70 million as of their latest financial filing in 2024.

How has CVB Financial's book value per share changed over the last 9 years?

Over the last 9 years, CVB Financial's book value per share changed from 8.68 in 2015 to 15.65 in 2024, a change of 80.3%.


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This page (NASDAQ:CVBF) was last updated on 5/4/2025 by MarketBeat.com Staff
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