CVB Financial Net Income
| CVBF Stock | USD 20.45 0.17 0.82% |
As of the 12th of February 2026, CVB Financial owns the coefficient of variation of 1020.44, and Market Risk Adjusted Performance of 0.1872. CVB Financial technical analysis gives you the methodology to make use of past data patterns to determine a pattern that approximates the direction of the firm's future prices. Please confirm CVB Financial jensen alpha, semi variance, and the relationship between the standard deviation and value at risk to decide if CVB Financial is priced more or less accurately, providing market reflects its prevailing price of 20.45 per share. Given that CVB Financial has jensen alpha of 0.0925, we suggest you to validate CVB Financial's latest market performance to make sure the company can sustain itself in the future.
CVB Financial Total Revenue |
|
Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 6.4714 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 209.3 M | 219.8 M | |
| Net Income Applicable To Common Shares | 269 M | 282.5 M | |
| Net Income From Continuing Ops | 230.8 M | 169.8 M | |
| Net Income Per Share | 1.52 | 1.60 | |
| Net Income Per E B T | 0.74 | 0.53 |
CVB | Net Income | Build AI portfolio with CVB Stock |
The Net Income trend for CVB Financial offers valuable insights into the company's financial trajectory and strategic direction. By examining multi-year patterns, investors can identify whether CVB Financial is strengthening or weakening its position, and how this metric correlates with broader market conditions and industry benchmarks.
Latest CVB Financial's Net Income Growth Pattern
Below is the plot of the Net Income of CVB Financial over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in CVB Financial financial statement analysis. It represents the amount of money remaining after all of CVB Financial operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is CVB Financial's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in CVB Financial's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 209.3 M | 10 Years Trend |
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Net Income |
| Timeline |
CVB Net Income Regression Statistics
| Arithmetic Mean | 147,180,818 | |
| Geometric Mean | 113,558,075 | |
| Coefficient Of Variation | 46.54 | |
| Mean Deviation | 60,178,770 | |
| Median | 152,003,000 | |
| Standard Deviation | 68,499,601 | |
| Sample Variance | 4692.2T | |
| Range | 233.1M | |
| R-Value | 0.93 | |
| Mean Square Error | 716.5T | |
| R-Squared | 0.86 | |
| Slope | 12,556,444 | |
| Total Sum of Squares | 75075.1T |
CVB Net Income History
Other Fundumenentals of CVB Financial
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
CVB Financial Net Income component correlations
CVB Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for CVB Financial is extremely important. It helps to project a fair market value of CVB Stock properly, considering its historical fundamentals such as Net Income. Since CVB Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of CVB Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of CVB Financial's interrelated accounts and indicators.
Click cells to compare fundamentals
Can Regional Banks industry sustain growth momentum? Does CVB have expansion opportunities? Factors like these will boost the valuation of CVB Financial. Projected growth potential of CVB fundamentally drives upward valuation adjustments. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating CVB Financial demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.099 | Dividend Share 0.8 | Earnings Share 1.5 | Revenue Per Share | Quarterly Revenue Growth 0.075 |
CVB Financial's market price often diverges from its book value, the accounting figure shown on CVB's balance sheet. Smart investors calculate CVB Financial's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. Since CVB Financial's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
It's important to distinguish between CVB Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding CVB Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. However, CVB Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
CVB Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to CVB Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of CVB Financial.
| 11/14/2025 |
| 02/12/2026 |
If you would invest 0.00 in CVB Financial on November 14, 2025 and sell it all today you would earn a total of 0.00 from holding CVB Financial or generate 0.0% return on investment in CVB Financial over 90 days. CVB Financial is related to or competes with Park National, Simmons First, Bank of Hawaii, Towne Bank, Provident Financial, Banc Of, and Seacoast Banking. CVB Financial Corp. operates as a bank holding company for Citizens Business Bank, a state-chartered bank that provides ... More
CVB Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure CVB Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess CVB Financial upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.59 | |||
| Information Ratio | 0.0498 | |||
| Maximum Drawdown | 9.56 | |||
| Value At Risk | (1.98) | |||
| Potential Upside | 3.01 |
CVB Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for CVB Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as CVB Financial's standard deviation. In reality, there are many statistical measures that can use CVB Financial historical prices to predict the future CVB Financial's volatility.| Risk Adjusted Performance | 0.0847 | |||
| Jensen Alpha | 0.0925 | |||
| Total Risk Alpha | 0.0082 | |||
| Sortino Ratio | 0.0523 | |||
| Treynor Ratio | 0.1772 |
CVB Financial February 12, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0847 | |||
| Market Risk Adjusted Performance | 0.1872 | |||
| Mean Deviation | 1.27 | |||
| Semi Deviation | 1.39 | |||
| Downside Deviation | 1.59 | |||
| Coefficient Of Variation | 1020.44 | |||
| Standard Deviation | 1.67 | |||
| Variance | 2.8 | |||
| Information Ratio | 0.0498 | |||
| Jensen Alpha | 0.0925 | |||
| Total Risk Alpha | 0.0082 | |||
| Sortino Ratio | 0.0523 | |||
| Treynor Ratio | 0.1772 | |||
| Maximum Drawdown | 9.56 | |||
| Value At Risk | (1.98) | |||
| Potential Upside | 3.01 | |||
| Downside Variance | 2.54 | |||
| Semi Variance | 1.92 | |||
| Expected Short fall | (1.39) | |||
| Skewness | 0.2678 | |||
| Kurtosis | 1.02 |
CVB Financial Backtested Returns
At this point, CVB Financial is very steady. CVB Financial retains Efficiency (Sharpe Ratio) of 0.0948, which signifies that the company had a 0.0948 % return per unit of risk over the last 3 months. We have found twenty-eight technical indicators for CVB Financial, which you can use to evaluate the volatility of the firm. Please confirm CVB Financial's coefficient of variation of 1020.44, and Market Risk Adjusted Performance of 0.1872 to double-check if the risk estimate we provide is consistent with the expected return of 0.16%. CVB Financial has a performance score of 7 on a scale of 0 to 100. The firm owns a Beta (Systematic Risk) of 0.87, which signifies possible diversification benefits within a given portfolio. CVB Financial returns are very sensitive to returns on the market. As the market goes up or down, CVB Financial is expected to follow. CVB Financial now owns a risk of 1.73%. Please confirm CVB Financial sortino ratio, semi variance, and the relationship between the information ratio and value at risk , to decide if CVB Financial will be following its current price history.
Auto-correlation | 0.29 |
Poor predictability
CVB Financial has poor predictability. Overlapping area represents the amount of predictability between CVB Financial time series from 14th of November 2025 to 29th of December 2025 and 29th of December 2025 to 12th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of CVB Financial price movement. The serial correlation of 0.29 indicates that nearly 29.0% of current CVB Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.29 | |
| Spearman Rank Test | 0.25 | |
| Residual Average | 0.0 | |
| Price Variance | 0.59 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
CVB Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, CVB Financial reported net income of 209.3 M. This is 83.62% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 63.34% higher than that of the company.
CVB Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses CVB Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of CVB Financial could also be used in its relative valuation, which is a method of valuing CVB Financial by comparing valuation metrics of similar companies.CVB Financial is currently under evaluation in net income category among its peers.
CVB Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, CVB Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to CVB Financial's managers, analysts, and investors.Environmental | Governance | Social |
CVB Financial Institutional Holders
Institutional Holdings refers to the ownership stake in CVB Financial that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of CVB Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing CVB Financial's value.| Shares | Fuller & Thaler Asset Management Inc | 2025-06-30 | 2.3 M | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 2.2 M | Victory Capital Management Inc. | 2025-06-30 | 1.9 M | Northern Trust Corp | 2025-06-30 | 1.6 M | Massachusetts Financial Services Company | 2025-06-30 | 1.6 M | Norges Bank | 2025-06-30 | 1.4 M | Bank Of New York Mellon Corp | 2025-06-30 | 1.4 M | Goldman Sachs Group Inc | 2025-06-30 | 1.2 M | Wellington Management Company Llp | 2025-06-30 | 1.1 M | Blackrock Inc | 2025-06-30 | 19.1 M | Vanguard Group Inc | 2025-06-30 | 14.8 M |
CVB Fundamentals
| Return On Equity | 0.0934 | ||||
| Return On Asset | 0.0136 | ||||
| Profit Margin | 0.40 % | ||||
| Operating Margin | 0.56 % | ||||
| Current Valuation | 3.4 B | ||||
| Shares Outstanding | 135.55 M | ||||
| Shares Owned By Insiders | 6.23 % | ||||
| Shares Owned By Institutions | 78.42 % | ||||
| Number Of Shares Shorted | 7.72 M | ||||
| Price To Earning | 18.89 X | ||||
| Price To Book | 1.24 X | ||||
| Price To Sales | 5.39 X | ||||
| Revenue | 608.35 M | ||||
| Gross Profit | 518.96 M | ||||
| EBITDA | 295.59 M | ||||
| Net Income | 209.3 M | ||||
| Cash And Equivalents | 326.13 M | ||||
| Cash Per Share | 2.33 X | ||||
| Total Debt | 990.6 M | ||||
| Debt To Equity | 0.08 % | ||||
| Book Value Per Share | 16.93 X | ||||
| Cash Flow From Operations | 249.76 M | ||||
| Short Ratio | 5.39 X | ||||
| Earnings Per Share | 1.50 X | ||||
| Price To Earnings To Growth | 2.22 X | ||||
| Target Price | 22.83 | ||||
| Number Of Employees | 1.09 K | ||||
| Beta | 0.68 | ||||
| Market Capitalization | 2.8 B | ||||
| Total Asset | 15.63 B | ||||
| Retained Earnings | 1.2 B | ||||
| Annual Yield | 0.04 % | ||||
| Five Year Return | 3.09 % | ||||
| Net Asset | 15.63 B | ||||
| Last Dividend Paid | 0.8 |
About CVB Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze CVB Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of CVB Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of CVB Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Check out For more detail on how to invest in CVB Stock please use our How to Invest in CVB Financial guide.You can also try the Money Flow Index module to determine momentum by analyzing Money Flow Index and other technical indicators.
Can Regional Banks industry sustain growth momentum? Does CVB have expansion opportunities? Factors like these will boost the valuation of CVB Financial. Projected growth potential of CVB fundamentally drives upward valuation adjustments. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating CVB Financial demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.099 | Dividend Share 0.8 | Earnings Share 1.5 | Revenue Per Share | Quarterly Revenue Growth 0.075 |
CVB Financial's market price often diverges from its book value, the accounting figure shown on CVB's balance sheet. Smart investors calculate CVB Financial's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. Since CVB Financial's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
It's important to distinguish between CVB Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding CVB Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. However, CVB Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.