CVB Financial (CVBF) earnings

CVB FINANCIAL CORP· Financials

Results to: Jun 2026
Latest analysed call: Sep 2026 (Q3 FY26)
Balance sheet to: Dec 2025

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CVB Financial earnings: last reported Thu, 22 Oct 2026, for the quarter ended Sep 2026.

Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

Metric	Value	Change	Basis	Period	Note
Revenue	Unavailable	—	Quarterly, as filed	Quarter to Jun 2026	Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Operating margin	Unavailable	—	Operating profit / revenue	Quarter to Jun 2026	Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Net profit	48.3 $ million	−4.6% YoY	Quarterly, as filed	Quarter to Jun 2026	Profit after tax as filed.

Source: Inve data from filed results (SEC filings) · to Jun 2026

Guidance

What management said, and what became of it

10 of 10 judged targets kept · 2 open · verdicts reflect calls analysed to Sep 2026.

CVB FINANCIAL CORP management guidance track record on Inve: 12 targets tracked across analysed earnings calls (10 achieved, 0 missed, 2 open).

Target	Original wording	Said	Latest call	Verdict
Heritage loan processing integration completion	conclusion of all of the integration on the loan processing side	Jun 2026	Sep 2026:The core banking systems of the 2 banks were integrated at the end of the second quarter, and we incurred $31.4 million in acquisition expenses during the second quarter compared to $8.1 million for the third quarter. Call transcript, Sep 2026 · no direct link	Achieved
Expense growth	low single-digit	Sep 2025	No later analysed call mentions it.	On Track

Source: Inve Guidance Tracker for CVB FINANCIAL CORP · to Sep 2026

A verdict describes what became of management’s own words in later analysed calls. “Delayed” is a change of date, “went quiet” a target the calls stopped mentioning. None of it is a judgement on the investment. The methodology sets out how verdicts are recorded.

2 of CVB FINANCIAL CORP's 12 targets are still open. See which are on track and which have gone quiet. The 2 above are the free sample; 10 more targets are in the full ledger.

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Price

$22.92 −0.56% · −$0.13

Last close Oct 23, 2026 · US · USD · Source: Inve

Performance +23.1% 1Y

1Y: $18.62 on 22 Oct 2025 → $22.92. High $23.3 (16 Jul 2026), low $18.18 (17 Nov 2025).

Previous close: $23.05
52-week range: $18.18 – $23.3
One year: +22.90%

Overview

Symbol: CVBF
Sector: Financials
Exchange: US
Currency: USD

Guidance

What management said, and what became of it

10 of 10 judged targets kept · 2 open · verdicts reflect calls analysed to Sep 2026.

CVB FINANCIAL CORP management guidance track record on Inve: 12 targets tracked across analysed earnings calls (10 achieved, 0 missed, 2 open).

Target	Original wording	Said	Latest call	Verdict
Heritage loan processing integration completion	conclusion of all of the integration on the loan processing side	Jun 2026	Sep 2026:The core banking systems of the 2 banks were integrated at the end of the second quarter, and we incurred $31.4 million in acquisition expenses during the second quarter compared to $8.1 million for the third quarter. Call transcript, Sep 2026 · no direct link	Achieved
Expense growth	low single-digit	Sep 2025	No later analysed call mentions it.	On Track

Source: Inve Guidance Tracker for CVB FINANCIAL CORP · to Sep 2026

The full ledger

Open CVB FINANCIAL CORP’s full ledger

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Financials

What the filings say

Net profit, year on year: −5% (quarter to jun 2026 against jun 2025).

In $ million. Oldest period first.

Line item	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Profit before tax	68	68	70	69	69	74	69	65
Tax rate	24.3%	25.3%	26.5%	26.5%	23.8%	26.0%	25.6%	25.8%
Net profit	51	51	51	51	53	55	51	48
EPS ($ per share)	0.37	—	0.37	0.37	0.38	—	0.38	0.29

Source: Inve data · income statement, quarterly · to Jun 2026

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Equity capital	1,294	1,299	1,212	1,210	1,300	1,289	1,297	1,222
Reserves	576	683	761	876	1,003	1,113	1,201	1,301
Total liabilities	9,678	9,288	12,411	13,802	14,528	13,943	12,967	13,336
Fixed assets	58	54	51	49	47	45	28	27
Total assets	11,529	11,282	14,419	15,884	16,477	16,021	15,154	15,631

Source: Inve data · balance sheet · to Dec 2025

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from operations	165	208	185	195	274	296	250	221
Cash from investing	811	325	-1,269	-1,730	-1,177	536	853	-210
Cash from financing	-956	-512	2,856	1,310	-626	-754	-1,179	161
Capital expenditure	-4	-6	-5	-5	-5	-5	-5	-4
Free cash flow	161	203	180	191	268	291	245	217

Source: Inve data · cash flow · to Dec 2025

CVBF operating KPIs by quarter

CVBF operating KPIs stated on its earnings calls, by fiscal quarter
KPI	Mar 2026 Q1 FY26	Jun 2026 Q2 FY26	Sep 2026 Q3 FY26	Change vs prior quarter
Return on tangible common equity (ROTCE)	13.4% We produced a return on average tangible common equity of 13.4% and a return on average assets of 1.33% for the first quarter of 2026. Source: earnings call transcript	—	16.2% We also achieved a 16.2% return on average tangible common equity in the third quarter of 2026, which compares to the 17% target we announced in 2027. Source: earnings call transcript	—
Line utilization rate C&I	30% C&I loans decreased quarter-over-quarter by $21 million as line utilization decreased from 32% at the end of 2025 to 30% at the end of the first quarter of 2026. Source: earnings call transcript	32% However, the C&I line utilization increased quarter-over-quarter from 30% at March 31 to 32% at the end of the second quarter. Source: earnings call transcript	31% However, the C&I line utilization decreased quarter-over-quarter from 32% to 31%. Source: earnings call transcript	-1 pt
Common equity tier 1 ratio (CET1)	16.3% The company's tangible common equity ratio was 10.5% at March 31, 2026, while our common equity Tier 1 capital ratio was 16.3%. Source: earnings call transcript	14.7% The company's tangible common equity ratio was 9.8% at June 30, 2026 compared to 10.5% at March 31, 2026 while our common equity Tier 1 capital ratio was 14.7% at June 30, 2026 compared to 16.3% at March 31. Source: earnings call transcript	14.8% While our common equity Tier 1 capital ratio was 14.8% at September 30 compared to 14.7% at June 30, 2026. Source: earnings call transcript	+0.1 pt
Line utilization rate	—	41% The overall line utilization rate at June 30, 2026, was 41% compared to 44% at March 31, 2026. Source: earnings call transcript	42% The overall line utilization rate at September 30, 2026, was 42% compared to 41% at June 30, 2026. Source: earnings call transcript	+1 pt

Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.

Insider filings

69 filings between Nov 14, 2025 and Oct 20, 2026.

Open market

decisions to buy or sell

Purchases

$4.18M

7 purchases by 3 insiders

Sales

$917.7K

1 sale by 1 insider

Compensation

not trading decisions

27: Award — granted as compensation
1: Option exercise — converted options into shares
33: Tax withheld — shares kept back by the company to cover tax

Who traded

open market only

Insider	Bought	Sold	Last filing
Borba George A Jr	$3.50M	—	May 22, 2026
Harvey David C	—	$917.7K	Aug 5, 2026
O Brien Raymond V III	$455.3K	—	Jul 28, 2026
Maddox Mike	$220.3K	—	Aug 31, 2026

Latest filings (50)

Date	Insider	What	Shares	Value
Oct 20, 2026	Laygo Sheryl Chief Accounting Officer	Tax withheld	359	$8.0K
Aug 31, 2026	Maddox Mike Director	Purchase	10,000	$220.3K
Aug 23, 2026	Maddox Mike Director	Award	3,138	$70.8K
Aug 5, 2026	Harvey David C EVP Chief Operating Officer	Sale	40,000	$917.7K
Jul 28, 2026	O Brien Raymond V III Director	Purchase	20,000	$455.3K
Jun 5, 2026	WOHL RICHARD H EVP & General Counsel	Tax withheld	8,944	$183.4K
Jun 1, 2026	DeAngelis Yamynn EVP Chief Risk Officer	Tax withheld	11,109	$223.3K
May 22, 2026	Borba George A Jr Director	Purchase	48,894	$1000.0K
May 20, 2026	Oswalt Hal W Director	Award	4,187	$0
May 20, 2026	Olvera Jane Director	Award	4,187	$0
May 20, 2026	Del Guercio Stephen A Director	Award	4,187	$0
May 20, 2026	Kan Anna Director	Award	4,187	$0
May 20, 2026	O Brien Raymond V III Director	Award	4,187	$0
May 20, 2026	Stephens Timothy Michael Director	Award	4,187	$0
May 20, 2026	Ehrnman Roger Lynn EVP, Chief Risk Officer	Award	10,000	$0
May 20, 2026	BIAGINI KOMAS JULIANNE M Director	Award	4,187	$0
May 20, 2026	Borba George A Jr Director	Award	4,187	$0
May 19, 2026	Borba George A Jr Director	Purchase	25,187	$500.0K
May 14, 2026	Borba George A Jr Director	Purchase	25,097	$500.0K
May 12, 2026	Borba George A Jr Director	Purchase	50,242	$1000.0K
Apr 17, 2026	Jones Robertson Clay JR President	Award	10,000	$0
Apr 17, 2026	Jones Robertson Clay JR President	Award	244,767	$0
Apr 17, 2026	BIAGINI KOMAS JULIANNE M Director	Award	44,326	$0
Mar 31, 2026	Nicholson E Allen EVP & CFO	Option exercise	6,000	$99.7K
Mar 20, 2026	Laygo Sheryl Chief Accounting Officer	Tax withheld	248	$4.6K
Mar 19, 2026	Laygo Sheryl Chief Accounting Officer	Tax withheld	248	$4.7K
Mar 16, 2026	Harvey David C EVP Chief Operating Officer	Tax withheld	6,256	$118.9K
Mar 16, 2026	Harvey David C EVP Chief Operating Officer	Award	12,562	$0
Mar 16, 2026	Nicholson E Allen EVP & CFO	Tax withheld	6,238	$118.6K
Mar 16, 2026	Farnsworth David F EVP & CCO	Award	9,547	$0
Mar 16, 2026	WOHL RICHARD H EVP & General Counsel	Tax withheld	4,145	$78.8K
Mar 16, 2026	Nicholson E Allen EVP & CFO	Award	12,562	$0
Mar 16, 2026	WOHL RICHARD H EVP & General Counsel	Award	8,291	$0
Mar 16, 2026	Farnsworth David F EVP & CCO	Tax withheld	3,426	$65.1K
Mar 16, 2026	Brager David A. President & CEO	Tax withheld	15,072	$286.4K
Mar 16, 2026	Brager David A. President & CEO	Award	30,149	$0
Feb 22, 2026	Laygo Sheryl Chief Accounting Officer	Tax withheld	248	$5.1K
Jan 27, 2026	DeAngelis Yamynn EVP Chief Risk Officer	Tax withheld	575	$11.3K
Jan 26, 2026	Laygo Sheryl Chief Accounting Officer	Tax withheld	248	$4.9K
Jan 26, 2026	DeAngelis Yamynn EVP Chief Risk Officer	Tax withheld	824	$16.3K
Jan 25, 2026	WOHL RICHARD H EVP & General Counsel	Tax withheld	1,137	$22.6K
Jan 25, 2026	Nicholson E Allen EVP & CFO	Tax withheld	1,712	$34.0K
Jan 25, 2026	Harvey David C EVP Chief Operating Officer	Tax withheld	1,717	$34.1K
Jan 25, 2026	Brager David A. President & CEO	Tax withheld	4,136	$82.1K
Jan 25, 2026	Farnsworth David F EVP & CCO	Tax withheld	963	$19.1K
Jan 25, 2026	DeAngelis Yamynn EVP Chief Risk Officer	Tax withheld	1,022	$20.3K
Jan 24, 2026	WOHL RICHARD H EVP & General Counsel	Tax withheld	1,536	$30.5K
Jan 24, 2026	Nicholson E Allen EVP & CFO	Tax withheld	2,255	$44.7K
Jan 24, 2026	Harvey David C EVP Chief Operating Officer	Tax withheld	2,260	$44.8K
Jan 24, 2026	Farnsworth David F EVP & CCO	Tax withheld	1,447	$28.7K

Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.

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