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CVB Financial Corporation (CVBF) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of CVB Financial Corporation stock $12.38, price $22.74, that is 45.6% below the price, quality 60 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

6 models, one by oneBear $10.38 to bull $17.29 Growth analysisrevenue history, year by year Quality 60/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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Financial Services US

Broad data Nov 7, 2026

CVB Financial Corporation

CVBF · US

Solid, but very expensive

Our calculation puts a fair price 46% below what the stock costs today.

Quality 60/100

Highly profitable · 36.2% net margin (TTM)

3.5% dividend yield · Low payout

Upbeat coverage

Broad data

Revenue last quarter +54% vs. a year ago.

Mixed Growth (revenue 5y +6.1 %/yr in USD)

Mixed vs. peers (6/15)

Moderate moat 63/100 · thin data

Insiders bought $3.7M (6M) · sold $917,600

Fair value $12.38 · Strongly overvalued

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range $9.34 – $24.40 · fair‑value band $10.38 – $17.29 · the $22.74 price screens above the $12.38 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

CVB Financial Corp. operates as bank holding company for Citizens Business Bank, National Association, a state-chartered bank that provides banking and financial services to small to mid-sized businesses and individuals.

Show moreShow less

The company offers checking, savings, money market, and certificates of time deposit products for business and personal accounts, municipalities and districts, and specialized deposit products for title and escrow; and serves as a federal tax depository for business customers.

It also provides commercial lending products comprising lines of credit and other working capital financing, accounts receivable lending, and letters of credit; agriculture loans to finance the operating needs of wholesale dairy farm operations, cattle feeders, livestock raisers, and farmers; lease financing services for municipal governments; commercial real estate and construction loans; consumer financing products, including automobile leasing and financing, lines of credit, credit cards, home mortgages, and home equity loans; and equipment and vehicle leasing services.

In addition, the company offers various specialized services, such as treasury management systems for monitoring and managing cash flow, a merchant card processing program, armored pick-up and delivery, payroll services, remote deposit capture, electronic funds transfers, wires and automated clearinghouse, and online account access; and foreign exchange and letters of credit services.

Further, it provides financial and trust services, such as fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. CVB Financial Corp. was founded in 1974 and is headquartered in Ontario, California.

Stock analysis

CVB Financial Corporation (CVBF) currently trades at $22.74, while our model-based Fair Value estimate is $12.38, 46% below the price, so the stock looks overvalued today.

Valuation

Bull case: the Multiples group reads highest at a median of $13.83 per share, and 0 of the 6 models we run sit above the $22.74 price.

Bear case: the Asset-Based group reads lowest at $5.82, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $10.38 (bear) to $17.29 (bull), the price of $22.74 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 60/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

CVB Financial Corporation reported revenue of $643M in FY2025 versus $468M in FY2021, a compound +8.3%/yr. Reported net income was $209M in FY2025, compounding −0.4%/yr from FY2021.

Key figures

Market cap $4.0B Mid · P/E ratio 15.3 · P/S ratio 6.16 · EPS (TTM) $1.49 · Dividend yield 3.5% · Net margin 36.2% · Return on equity 8.6% · Return on assets (EBIT) 1.9% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 63 out of 100 (low confidence).

What moves the price

The share trades about 3% below its 52-week high and 30% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −46%, CVBF screens richer than that median.

Fair Value models

Bear $10.38 Fair Value $12.38 Bull $17.29

Price $22.74 · Downside -45.6%

Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.5917 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.

Best data coverage

Residual Income $11.33 $12.38 $14.76 76

Gordon GGM $5.85 $12.25 $19.59 66

DDM Multi-Stage $5.85 $9.24 $12.84 66

All 6 models by family

Dividend Discount

Gordon GGM $5.85 $12.25 $19.59 66

DDM Multi-Stage $5.85 $9.24 $12.84 66

Multiples

P/E Multiple $11.63 $15.50 $19.38 63

P/B Multiple $9.12 $12.15 $15.19 55

Asset-Based

NCAV (Graham) $4.34 $5.82 $8.68 54

Economic Profit

Residual Income $11.33 $12.38 $14.76 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 60/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 35

How much profit the company makes from its sales and capital

Quality Growth 52

Are margins and returns getting better?

Cashflow 84

Do the profits arrive as real cash?

Financial strength 2

Debt, balance sheet and risk of trouble

Investment 91

Does it invest with discipline instead of growing at any price?

Low Volatility 85

How calm the share price moves, does not count

Price momentum 55

Price momentum of the last 3 to 12 months, does not count

Near the 52-week high 76

Distance to the 52-week high, does not count

New shares 85

Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 3 officers or directors bought shares worth $3.7M, most recently on Aug 31, 2026. Over the same period, one person sold shares worth $917,600. Buying cluster

BuyMike MaddoxDirector10,000 shares at $22.03$220,300Aug 31, 2026
SaleDavid C HarveyEVP Chief Operating Officer40,000 shares at $22.94$917,600Aug 5, 2026
BuyBrien Raymond O V IIIDirector20,000 shares at $22.77$455,400Jul 28, 2026
BuyGeorge A Borba JrDirector5× since Nov 14, 2025: 176,514 shares, avg. $19.83$3.5MMay 22, 2026

Plus 13 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 70/100

Revenue is growing, but margins or cash flow do not fully confirm the trend.

Revenue growth 1 year

−2.3%

Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+4.6%

Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+6.1%

Start year 2020 (pandemic). Over 10 years: +8.1% a year

Revenue growth 36 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+7.3%

’14

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’17

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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.

+4.2%

Earnings growth per share plus dividend.

Earnings per share, growth per year+0.7%

Dividend (yield on the price)3.5%

Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.0.7% vs 5.0%, slowing

Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.52% → 44%

Pace: the 5-year rate starts in 2020 (pandemic)

CVBF screens overvalued: fair value 46% below the price. Compare with China Merchants Bank Co →

Recent news

News mood ⓘNews mood, the average tone of recent news (85 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Hype

Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.

CVB Financial (CVBF) Stock May Be 36% Undervalued On Excess Returns Yahoo Finance · Oct 31, 2026
Are Stronger Earnings Altering The Investment Case For CVB Financial Stock? Yahoo Finance · Oct 31, 2026
CVB Financial (CVBF) Could Be 12% Undervalued As Buybacks Add To Its Narrative Yahoo Finance · Oct 24, 2026
CVBF Q3 deep dive: Heritage integration, Bay Area expansion, and margin resilience Yahoo Finance · Oct 23, 2026

Note from the team Oct 11, 2026

AI conclusion: Nearly five decades of uninterrupted profitability in California commercial banking forms the core strength, while limited evidence of a durable moat and dependence on acquisition integration represent the main weakness.

Main risk: Integration costs together with regional pressures could prevent the larger platform from delivering the targeted earnings gains after the Heritage Commerce acquisition.

CVB Financial has maintained nearly five decades of uninterrupted profitability while focusing on California commercial banking. The completed acquisition of Heritage Commerce has boosted its asset base and geographic reach, but success now hinges on delivering the targeted earnings gains from integration and scale. Will the larger platform strengthen its competitive position enough to offset execution risks, or will integration costs and regional pressures limit the upside?

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 6/15 measures

A mixed picture versus its industry peers.

Valuation

Quality Score 60 · Top 25%

Fair Value upside −45.6% · Bottom 25%

Profitability

Return on equity (12 months) 8.6% · Below median

Return on assets 1.3% · Top 25%

Net margin (12 months) 36.2% · Above median

Operating margin (12 months) 60.1% · Top 25%

Growth and dividend

Revenue growth (quarter YoY) 54.1% · Top 25%

Dividend yield (12 months) 3.5% · Above median

Balance sheet

Debt / equity 0.43× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 15.3× · Priciest 25%

P/B 1.72× · Priciest 25%

P/S (12 months) 6.16× · Priciest 25%

Price / free cash flow (fiscal year) 18.2× · Priciest 25%

EV/EBITDA 17.2× · Priciest 25%

PEG 1.47× · Pricier than median

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)0 · sector 8

FUTURE (revenue growth)100 · sector 47

PAST (return on equity)34 · sector 43

HEALTH (low debt)–

DIVIDEND (yield)70 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock	Price	Fair Value	vs Fair Value	Compare
Postal Savings Bank of China Co 601658	¥5.53	¥7.59	+37%	vs CVBF
China Merchants Bank Co 600036	¥42.88	¥52.73	+23%	vs CVBF
BNP Paribas SA BNP	€91.93	€106.01	+15%	vs CVBF
Intesa Sanpaolo S.p.A ISP	€6.18	€4.49	−27%	vs CVBF
State Bank of India SBIN	₹1,019	₹736.65	−28%	vs CVBF
UniCredit S.p.A UCG	€76.80	€50.44	−34%	vs CVBF
Mizuho Financial Group MFG	$9.40	$5.89	−37%	vs CVBF
DBS Group D05	69.72 SGD	40.39 SGD	−42%	vs CVBF
HDFC Bank Limited HDFCBANK	₹788.25	₹406.39	−48%	vs CVBF
ICICI Bank Limited ICICIBANK	₹1,571	₹615.63	−61%	vs CVBF

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CVB Financial Corporation: fair value per Fair Value Calculator

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Cite: Fair Value Calculator (2026). "CVB Financial Corporation Fair Value". https://www.fairvalue-calculator.com/stock/CVBF

Frequently asked questions

Is CVB Financial Corporation (CVBF) overvalued or undervalued?

As of Nov 7, 2026, our model estimates a fair value of $12.38 versus a price of $22.74, about 46% lower (overvalued).

What is the fair value of CVBF?

Our model-based fair value for CVB Financial Corporation is $12.38 (as of Nov 7, 2026), built from audited fundamentals. The current price: $22.74.

What is the quality score of CVBF?

CVB Financial Corporation has a Quality Score of 60/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.

What is the price target for CVB Financial Corporation (CVBF)?

Our model-based price target is the fair value of $12.38 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario $10.38, optimistic scenario $17.29. It is a calculation from audited fundamentals, not an analyst target.

What is the CVB Financial Corporation stock forecast for 2026?

Our models put fair value at $12.38, about 46% lower versus a price of $22.74 (overvalued). Cautious scenario $10.38, optimistic scenario $17.29. The calculation is refreshed regularly with new filings.

What is the revenue of CVB Financial Corporation (CVBF)?

CVB Financial Corporation reported trailing-twelve-month revenue of about $641M (latest available figure, as of Nov 7, 2026).

Does CVB Financial Corporation pay a dividend?

CVB Financial Corporation currently shows a dividend yield of 3.52% relative to its recent price (as of Nov 7, 2026).

How much is the dividend of CVB Financial Corporation (CVBF) and when is the ex-dividend date?

CVB Financial Corporation pays a dividend of $0.8 per share a year, a dividend yield of 3.5%. The last ex-dividend date was Sep 30, 2026. A dividend has been paid every year since at least 1989. The payout ratio is 53.7% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.

What is the intrinsic value of CVB Financial Corporation (CVBF)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For CVB Financial Corporation it is $12.38 per share (as of Nov 7, 2026), against a price of $22.74. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).

Is CVB Financial Corporation stock overvalued or undervalued in 2026?

As of Nov 7, 2026, CVBF trades above its calculated fair value: price $22.74, fair value $12.38, a gap of about −46% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.

Is fair value the same as the market price of CVBF?

No. The price is what the market pays today ($22.74); the fair value is what the company's own numbers justify ($12.38). For CVB Financial Corporation the two are $10.36 per share apart. That gap is exactly why we show both numbers side by side.

How much is CVB Financial Corporation worth?

The market values CVB Financial Corporation at about $4.0B (market capitalisation, as of Nov 7, 2026). Per share that is $22.74; our models calculate a fair value of $12.38 per share.

What do the bullish and bearish scenarios say about CVBF?

Our models span a range for CVB Financial Corporation: cautious scenario $10.38, base $12.38, optimistic $17.29 per share (as of Nov 7, 2026, price $22.74). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of CVBF?

CVB Financial Corporation trades at a price-to-earnings ratio of 15.3 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $12.38 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, FY2018, FY2019, FY2023 ex one-offs: 14.9. Other multiples: PEG 1.5, P/B 1.7, P/S 6.2, EV/EBITDA 17.2.

What is the PEG ratio of CVBF?

The PEG ratio of CVB Financial Corporation is 1.47 (P/E divided by earnings growth, as of Nov 7, 2026). That is above 1, so the growth is already paid for in the price.

How solid is the balance sheet of CVB Financial Corporation (CVBF)?

Balance-sheet figures for CVB Financial Corporation (as of Nov 7, 2026): return on equity 8.6%, debt of 0.43 per unit of equity. They feed the Quality Score of 60/100, which measures business quality independently of the share price.

How far is CVBF from its 52-week high?

CVB Financial Corporation trades at $22.74, about 3% below its 52-week high of $23.37 and 30% above the low of $17.50 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $12.38 is for.

Which stocks are comparable to CVB Financial Corporation?

From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.

Is CVB Financial Corporation stock attractive at the current price?

The data as of Nov 7, 2026: price $22.74, calculated fair value $12.38 (−46%), Quality Score 60/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.

How is the fair value of CVBF calculated?

We run CVB Financial Corporation through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $12.38 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.

Is it still worth investing in stocks now?

The global stock market currently sits 13.3% above its aggregate fair value. CVB Financial Corporation itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.

What is the share price of CVB Financial Corporation (CVBF)?

The closing price on Nov 6, 2026 was $22.74. Our model-based fair value is $12.38, about 46% lower (overvalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with CVB Financial Corporation right now?

The price sits above even our optimistic bull case ($17.29). The favourable scenario is already priced in. Solid but not exceptional quality (60/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Where does the earnings growth of CVB Financial Corporation (CVBF) come from?

Earnings per share at CVB Financial Corporation grew +5.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.2 %, EBIT margin −2.2 %, tax rate +1.4 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of CVB Financial Corporation

How large is the market capitalisation of CVB Financial Corporation (CVBF)?

The market capitalisation of CVB Financial Corporation is $4.0B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.

What is the P/S ratio of CVB Financial Corporation (CVBF)?

The price-to-sales ratio of CVB Financial Corporation is 6.16 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.

What are the earnings per share of CVB Financial Corporation (CVBF)?

Earnings per share at CVB Financial Corporation are $1.49 (price ÷ EPS = P/E 15.3). Earnings per share over the last twelve months: total profit spread across every single share.

What is the dividend yield of CVB Financial Corporation (CVBF)?

The dividend yield of CVB Financial Corporation is 3.5% (payout 53.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.

What is the net margin of CVB Financial Corporation (CVBF)?

The net margin of CVB Financial Corporation is 36.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.

What is the return on equity of CVB Financial Corporation (CVBF)?

The return on equity (ROE) of CVB Financial Corporation is 8.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.

What is the EBIT return on assets of CVB Financial Corporation (CVBF)?

On an EBIT basis the return on assets of CVB Financial Corporation is 1.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.

What is the operating margin of CVB Financial Corporation (CVBF)?

The operating margin of CVB Financial Corporation is 60.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at CVB Financial Corporation (CVBF)?

Revenue at CVB Financial Corporation is growing +54.1% versus a year earlier (3y avg +4.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.

How fast are earnings growing at CVB Financial Corporation (CVBF)?

Earnings per share at CVB Financial Corporation are growing +15.8% versus a year earlier. How much earnings per share grew versus a year earlier.

How much free cash flow does CVB Financial Corporation (CVBF) generate?

The free cash flow of CVB Financial Corporation is $217M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.

How much net debt does CVB Financial Corporation (CVBF) carry?

The net debt of CVB Financial Corporation is $883M (fiscal year 2025, ≈ 4.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.

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