CVBF
Financial ServicesCVB Financial Corp. · Banks - Regional · $3B
What is CVB Financial Corp.?
CVB Financial Corp. is the holding company for Citizens Business Bank, a California-based institution focused on serving small to mid-sized businesses and individuals. Founded in 1983 and headquartered in Ontario, California, the bank has built a regional presence across dozens of branch locations.
Citizens Business Bank generates revenue primarily through traditional banking activities — accepting deposits and extending credit to business and individual customers. Commercial lending, including lines of credit, accounts receivable financing, and commercial real estate loans, forms the core of its loan portfolio. The bank also serves agricultural borrowers, municipal governments through lease financing, and retail customers through consumer products. Supplementary fee income comes from treasury management, merchant card processing, payroll services, and trust and investment services offered through its CitizensTrust Division.
CVB Financial was founded in 1983 and is headquartered in Ontario, California.
- Commercial lending: lines of credit, working capital, and letters of credit
- Agricultural loans for dairy, cattle, and farming operations
- Commercial real estate and construction financing
- Consumer products including auto loans, home mortgages, and credit cards
- Trust and investment services via CitizensTrust Division
Is CVBF a Good Stock to Buy?
UQS Score rates CVBF as Good overall, reflecting a mixed but grounded profile for a regional bank holding company.
The Quality pillar stands out as the clearest strength, suggesting the bank maintains sound fundamentals relative to its peer group. Valuation is rated Attractive, meaning the stock does not appear to carry an excessive price premium — a meaningful consideration for income-oriented investors evaluating community bank stocks.
The Moat, Growth, and Risk pillars all register as Weak, pointing to limited competitive differentiation, below-average growth prospects, and elevated risk factors that investors should weigh carefully.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does CVBF pay dividends?
Yes — CVB Financial Corp. pays a dividend.
CVBF pays a regular dividend, consistent with the income-oriented profile common among established community bank holding companies. Regional banks with stable deposit bases and predictable net interest income often return capital to shareholders through dividends. Investors seeking income from the financial services sector may find CVBF's dividend cadence worth examining alongside the Attractive Valuation rating.
When does CVBF report earnings?
CVB Financial Corp. reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The bank's earnings profile reflects the dynamics of a traditional lending institution — net interest income driven by loan volume and deposit costs, with fee income from treasury and trust services providing supplementary revenue. Quality pillar strength suggests the underlying financials have held up reasonably well relative to sector peers.
For the most recent quarter's results and guidance, visit CVB Financial Corp.'s investor relations page directly.
CVBF Price History
+12.0% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in CVB Financial Corp.?
Based on CVB Financial Corp.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
CVBF Long-term Outlook
The Weak Growth pillar signals that CVBF is not positioned as a high-expansion story. Regional banks of this profile tend to grow incrementally through loan book expansion and modest deposit gathering rather than rapid market-share gains. The Weak Risk pillar introduces uncertainty around credit quality and interest rate sensitivity — factors that can weigh on earnings in a shifting rate environment. The Attractive Valuation label, however, suggests the market may already be pricing in these headwinds, which could limit downside for patient, income-focused investors.
Growth drivers
- Loan portfolio expansion into commercial real estate and agricultural segments
- Fee income growth from treasury management and CitizensTrust services
- Potential deposit base deepening among small and mid-sized business clients
Key risks
- Interest rate sensitivity affecting net interest margin
- Credit quality risk in agricultural and commercial real estate loans
- Limited competitive moat in a fragmented regional banking landscape
CVBF vs Peers
CVBF operates in a competitive regional banking space alongside several similarly sized institutions targeting business and community banking customers.
FB Financial operates across Tennessee and the broader Southeast, giving it a different geographic footprint and regional economic exposure compared to CVBF's California-centric franchise.
TowneBank emphasizes a community banking model in Virginia and North Carolina, with a notable mortgage banking segment that adds revenue diversification beyond core commercial lending.
The Bancorp focuses heavily on fintech partnerships and prepaid card programs, making its business model meaningfully different from CVBF's traditional commercial and agricultural lending approach.
Frequently Asked Questions
What does CVB Financial Corp. do?
CVB Financial Corp. is the holding company for Citizens Business Bank, which provides banking and financial services to small and mid-sized businesses and individuals in California. Its core activities include commercial lending, deposit-taking, agricultural loans, commercial real estate financing, and trust services through its CitizensTrust Division.
Does CVBF pay dividends?
Yes, CVBF pays a regular dividend. This is consistent with the capital return practices of established regional bank holding companies that generate relatively predictable net interest income. Income-focused investors often look to community banks like CVBF for dividend continuity, though dividend sustainability should always be evaluated alongside the bank's earnings and credit quality trends.
When does CVBF report earnings?
CVB Financial Corp. reports earnings on a quarterly cadence, as is standard for US-listed bank holding companies. For the exact release schedule and most recent results, check the investor relations section of the company's official website.
Is CVBF a good stock to buy?
UQS Score rates CVBF as Good overall. The Quality pillar is Strong and Valuation is Attractive, but the Moat, Growth, and Risk pillars are all rated Weak. Whether that profile suits your portfolio depends on your income goals and risk tolerance. The full pillar breakdown is available to UQS Pro members.
Is CVBF overvalued?
The UQS Valuation pillar for CVBF is rated Attractive, suggesting the stock is not trading at a significant premium relative to its fundamentals. For a regional bank with Weak Growth and Moat ratings, an Attractive valuation label may reflect the market pricing in those limitations. View the complete valuation metrics with a Pro account.
How does CVBF compare to its competitors?
CVBF competes with regional banks such as FB Financial (FBK), TowneBank (TOWN), and The Bancorp (TBBK). Each operates in different geographies or with distinct business models — CVBF's California focus and agricultural lending exposure set it apart. UQS Pro members can view side-by-side UQS Score comparisons across these peers.
What is CVBF's market cap bracket?
CVBF is classified as a mid-cap stock. This places it in a segment of the market that typically offers more liquidity than small-cap community banks while still carrying the regional concentration risks associated with a single-state banking franchise.
Who founded CVB Financial Corp.?
CVB Financial Corp. was founded in 1983. Detailed founding history, including the names of original founders, is publicly available through the company's official history and investor relations materials.
Is CVBF a long-term quality investment?
As a long-term quality indicator, CVBF's Strong Quality pillar is a positive signal, suggesting the bank has maintained sound financial practices. However, the Weak Moat and Weak Growth pillars raise questions about its ability to compound value over time relative to stronger-moat peers. Long-term investors should weigh these factors alongside the Attractive Valuation rating.
What is the main competitive advantage of CVB Financial Corp.?
CVBF's competitive positioning centers on its established relationships with small and mid-sized businesses in California, including specialized agricultural lending to dairy and farming operations. However, the UQS Moat pillar is rated Weak, indicating that these advantages may not constitute a durable structural edge relative to the broader banking sector.
What sector does CVBF belong to?
CVBF operates in the Financial Services sector, specifically as a regional bank holding company. Regional banks are sensitive to interest rate cycles, local economic conditions, and credit quality trends — all factors reflected in the UQS Risk pillar assessment.
Is CVBF a growth stock or value stock?
Based on its UQS profile, CVBF leans toward the value end of the spectrum. The Growth pillar is rated Weak, suggesting limited near-term expansion momentum, while the Valuation pillar is Attractive — a combination more typical of value-oriented income investments than high-growth opportunities.
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Pro Analysis
CVBF — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 55.9 | 86.5 | 26.0 | 45.9 | 35.8 | 88.6 | -0.1 |
| May 21, 2026 | 56.0 | 86.5 | 26.0 | 45.9 | 35.8 | 88.6 | -0.1 |
| May 20, 2026 | 56.1 | 86.5 | 26.0 | 45.9 | 35.8 | 89.3 | +0.1 |
| May 19, 2026 | 56.0 | 86.5 | 26.0 | 45.9 | 35.8 | 89.2 | -0.1 |
| May 16, 2026 | 56.1 | 86.5 | 26.0 | 45.9 | 35.8 | 89.9 | 0.0 |
| May 15, 2026 | 56.1 | 86.5 | 26.0 | 45.9 | 35.8 | 89.3 | 0.0 |
| May 14, 2026 | 56.1 | 86.5 | 26.0 | 45.9 | 35.8 | 89.6 | +0.1 |
| May 13, 2026 | 56.0 | 86.5 | 26.0 | 45.9 | 35.8 | 89.1 | 0.0 |
| May 12, 2026 | 56.0 | 86.5 | 26.0 | 45.9 | 35.8 | 88.7 | +0.1 |
| May 11, 2026 | 55.9 | 86.5 | 26.0 | 45.9 | 35.8 | 88.2 | -5.5 |
CVBF — Pillar Breakdown
Quality
— 86.5/100 (25%)CVB Financial Corp. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 45.9/100 (20%)CVB Financial Corp. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 35.8/100 (15%)CVB Financial Corp. has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 87.9/100 (15%)CVB Financial Corp. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 26/100 (25%)CVB Financial Corp. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for CVBF.
Score Composition
Financial Data
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How is the CVBF UQS Score Calculated?
The UQS (Unified Quality Score) for CVB Financial Corp. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses CVB Financial Corp.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether CVB Financial Corp. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.