CVBF · Cvb Financial Corp
$22.53
-0.51 (-2.21%)
At close · Aug 19
Market Cap
$3.99B
Shares
176.00M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$22.53
Open$23.04
Day$22.48–23.14
52W close$18.05–23.30
Avg vol 30d1.4M
Short int7.9M · 4.5% float · 4.9d
Short vol47%
Last earningsJul 23, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 7
Up next
Next earnings call
Oct 22, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Strong
Sentiment
Very Bullish
Fundamentals
Weak
Quant / Vol
Very Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+10%
above
Price vs 50-day avg
+1%
above
RSI (14)
47
neutral
MACD trend
Negative
52-week position
85%
near high
Momentum
relative strength
1-month return
+1%
trailing
6-month return
+13%
trailing
YTD return
+21%
this year
Relative strength
+1%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $22 › 200d $20 — 50d above 200d
Institutional flow
Accumulating
+13% holders QoQ · +71 funds added
Insider flow
Accumulating
Net +$537.6K over 90 days · 33% sells
Short interest
Falling
4.52% of float · ▼ -6.8% MoM · 4.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
322 holders — near 3-yr high, broad support
Squeeze score
61
elevated · 0–100
Fundamentals
EPS growth
+6%
Y/Y
Free cash flow
$217.3M
Valuation
P/E 15.5
rich
Balance sheet
$818.6M
net debt
Quant / Vol
risk profile
Volatility
25%
annualized · 1-yr
Max drawdown
−13%
past year
ATR
1.9%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Jun 30, 2026
EPS accretion
· in 2027
at least 13%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+10%
Bullish
Price vs 50-day avg
+1%
Bullish
RSI (14)
47
Neutral
MACD trend
Negative
Bearish
52-week position
85%
Bullish
Market signals — smart money & positioning
Bullish · 4 of 6
Trend (MA cross)
No cross
50d $22 › 200d $20 — 50d above 200d
Institutional flow
Accumulating
+13% holders QoQ · +71 funds added
Insider flow
Accumulating
Net +$537.6K over 90 days · 33% sells
Short interest
Falling
4.52% of float · ▼ -6.8% MoM · 4.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
322 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $18
Now $23 · 85%
Range high $23
vs 200-day avg +10%
vs 50-day avg +1%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| ACL Coverage Ratio | 1.05% | Q2 2026 | — |
| Adjusted efficiency ratio non-GAAP | 43.88% | Q2 2026 | — |
| Adjusted noninterest expense non-GAAP | 78.73M | Q2 2026 | — |
GAAP → non-GAAP reconciliationGAAP Total noninterest expense 114.38M
-4.25M Less: Provision for unfunded loan commitments
-31.4M Less: Acquisition related expenses
= Adjusted noninterest expense 78.73M
|
|||
| Average Noninterest-bearing Deposits | 8.12B | Q2'26 | — |
| Book value per share | $17.98 | June 30, 2026 | — |
| Business Financial Centers | 78 | Q2 2026 | — |
| CitizensTrust assets under management | 3.81B | As of June 30, 2026 | — |
| CitizensTrust assets under management and administration | 5.18B | As of June 30, 2026 | — |
| CitizensTrust Locations | 3 | Q2 2026 | — |
| Classified Loan % of Total Loans | 0.91% | Q2 2026 | — |
| Classified loans | $110M | Q2 2026 | — |
| Common equity Tier 1 capital ratio | 14.7% | June 30, 2026 | — |
| Consecutive Quarters of Cash Dividends | 147 | Q2 2026 | — |
| Consecutive Quarters of Profitability | 197 | Q2 2026 | — |
| Core Net Income non-GAAP | $73.4M | Q2 2026 | — |
| Cost of deposits and customer repos | 0.86% | Q2 2026 | — |
| Dividend payout ratio | 73.25% | Three Months Ended June 30, 2026 | — |
| Efficiency ratio | 63.75% | the second quarter of 2026 | — |
|
|
|||
| Loan Production Office | 1 | Q2 2026 | — |
| Loan-to-deposit | 74.39% | Q2'26 | — |
| Net interest margin (TE) | 3.72% | Three Months Ended June 30, 2026 | — |
|
|
|||
| Noninterest-bearing deposits/Total Deposits | 52.33% | Q2'26 | — |
| NPA/TA | 0.08% | Q2 2026 | — |
| Number of shares outstanding - (end of period) | 176,247,135 | June 30, 2026 | — |
| Organic loan growth | $477M | Q2 2026 | — |
| Pretax Pre Provision Income non-GAAP | $65M | Q2 2026 | — |
| Pretax pre-provision income non-GAAP | 65.05M | June 30, 2026 | — |
GAAP → non-GAAP reconciliationGAAP Net Income 48.26M
+0K Add: Provision for (recapture of) credit losses
+16.79M Add: Income tax expense
= Pretax pre-provision income 65.05M
|
|||
| Return on average assets, annualized | 0.97% | Three Months Ended June 30, 2026 | — |
| Return on average tangible common equity, annualized non-GAAP | 10.85% | June 30, 2026 | — |
| Tangible book value per share | $11.07 | Q2 FY2026 | — |
| Tangible common equity (“TCE”) ratio | 9.8% | June 30, 2026 | — |
| TCE Ratio non-GAAP | 9.8% | Q2 26 | — |
| Tier 1 leverage capital ratio | 11.7% | June 30, 2026 | — |
| Tier 1 risk-based capital ratio | 14.7% | June 30, 2026 | — |
| Total ACL | $126.7M | Q2 2026 | — |
| Total Deposits | $16.85B | 6/30/2026 | — |
| Total risk-based capital ratio | 15.8% | June 30, 2026 | — |
| Cost of funds | 0.97% | Q1 2026 | — |
| ROAA | 1.33% | Three Months Ended March 31, 2026 | — |
| ROAE | 8.86% | Three Months Ended March 31, 2026 | — |
| ROATCE | 13.38% | Three Months Ended March 31, 2026 | — |
| Return on Average Assets | 1.36% | Year Ended December 31, 2025 | — |
| Return on Average Tangible Common Equity | 14.28% | Year Ended December 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CVBF
this stock
Cvb Financial Corp
|
$3.99B | +21.1% | — | 15.5 | 4.5% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CVBF | -2.0% | +1.3% | +12.8% | +0.7% | +21.1% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -1.6% | -1.6% | +1.2% | -2.2% | +8.4% |
Capital returns
Latest dividend
$0.20
/ share · ex Jul 9, 2026
Paid (TTM)
$0.80
/ share · 4 payouts
Dividend yield (TTM, derived)
3.55%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
354647
CUSIP
126600105
13F (30d)
291 filings
286 filers
Visit website
Investor relations