CVB FINANCIAL CORP's income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Dec 31, 2025 · FY), CVB FINANCIAL CORP reported revenue of $37.2M (+4.1% year on year) and net income of $209.3M (+4.3% year on year).
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Loans and leases, including fees | $446.2M | $455.8M | $448.3M | $389.2M |
| Investment securities available-for-sale | $76.0M | $80.9M | $83.6M | $68.5M |
| Investment securities held-to-maturity | $51.4M | $53.2M | $54.8M | $49.0M |
| Total investment income | $127.3M | $134.0M | $138.3M | $117.6M |
| Dividends from FHLB stock | $1.7M | $1.6M | $1.9M | $1.2M |
| Interest-earning deposits with other institutions | $18.1M | $38.8M | $17.9M | $6.7M |
| Total interest income | $593.3M | $630.1M | $606.3M | $514.7M |
| Deposits | $101.3M | $105.5M | $51.5M | $6.8M |
| Borrowings and customer repurchase agreements | $30.3M | $76.7M | $66.8M | $2.3M |
| Other | $1.4M | $573.0K | — | — |
| Total interest expense | $133.0M | $182.8M | $118.3M | $9.2M |
| Net interest income before (recapture of) provision for credit losses | $460.3M | $447.3M | $488.0M | $505.5M |
| (Recapture of) provision for credit losses | ($3.5M) | ($3.0M) | $2.0M | $10.6M |
| Net interest income after (recapture of) provision for credit losses | $463.8M | $450.3M | $486.0M | $494.9M |
| Revenue from contract with customer, including assessed tax | $37.2M | $35.8M | $34.4M | $34.4M |
| BOLI income | $11.5M | $12.4M | $12.8M | $5.4M |
| Loss on sale of investment securities | ($11.0M) | ($28.3M) | — | — |
| Gain on Other real estate owned ("OREO"), net | $2.3M | — | — | — |
| Gain on sale leaseback transactions | $0 | $25.9M | $0 | $0 |
| Other | $15.2M | $8.7M | $12.2M | $7.5M |
| Total noninterest income | $55.2M | $54.5M | $59.3M | $50.0M |
| Salaries and employee benefits | $144.5M | $144.5M | $139.2M | $131.6M |
| Occupancy and equipment | $23.8M | $23.4M | $22.1M | $22.7M |
| Professional services | $9.2M | $10.5M | $9.1M | $9.4M |
| Computer software expense | $17.1M | $15.3M | $14.1M | $13.5M |
| Marketing and promotion | $6.9M | $7.3M | $6.8M | $6.3M |
| Amortization of intangible assets | $4.2M | $5.3M | $6.5M | $7.6M |
| Provision for (recapture of) unfunded loan commitments | $2.0M | — | — | — |
| Acquisition related expenses | $1.6M | $0 | $0 | $6.0M |
| Other | $28.0M | $28.5M | $32.7M | $19.5M |
| Total noninterest expense | $237.3M | $233.6M | $229.9M | $216.6M |
| Earnings before income taxes | $281.7M | $271.2M | $315.4M | $328.3M |
| Income taxes | $72.4M | $70.5M | $94.0M | $92.9M |
| Net earnings | $209.3M | $200.7M | $221.4M | $235.4M |
| Unrealized gain on securities and derivatives during the period, before tax | $122.1M | $16.4M | $44.3M | ($498.1M) |
| Less: Income tax expense related to items of other comprehensive income | ($37.7M) | ($4.9M) | ($13.1M) | $147.3M |
| Other comprehensive income, net of tax | $84.4M | $11.5M | $31.2M | ($350.8M) |
| Comprehensive income | $293.7M | $212.2M | $252.7M | ($115.4M) |
| Basic earnings per common share | $1.52 | $1.44 | $1.59 | $1.67 |
| Diluted earnings per common share | $1.52 | $1.44 | $1.59 | $1.67 |
| Line item | Jun 30, 2026 · Q2 | Mar 31, 2026 · Q1 | Sep 30, 2025 · Q3 | Jun 30, 2025 · Q2 |
|---|---|---|---|---|
| Loans and leases, including fees | $159.2M | $113.3M | $110.8M | $108.8M |
| Investment securities available-for-sale | $23.2M | $19.4M | $18.9M | $18.3M |
| Investment securities held-to-maturity | $12.3M | $12.5M | $12.8M | $12.9M |
| Total investment income | $35.6M | $31.9M | $31.7M | $31.2M |
| Dividends from FHLB, FRB, and other stock | $1.2M | $1.3M | $377.0K | $411.0K |
| Interest-earning deposits with other institutions | $6.1M | $2.7M | $7.2M | $3.8M |
| Total interest income | $202.1M | $149.1M | $150.1M | $144.2M |
| Deposits | $32.1M | $23.1M | $26.1M | $24.8M |
| Borrowings and customer repurchase agreements | $6.7M | $8.0M | $8.1M | $7.4M |
| Subordinated debentures | $639.0K | — | — | — |
| Other | $248.0K | $246.0K | $330.0K | $371.0K |
| Total interest expense | $39.7M | $31.3M | $34.5M | $32.6M |
| Net interest income before provision for (recapture of) credit losses | $162.4M | $117.8M | $115.6M | $111.6M |
| Provision for (recapture of) credit losses | $0 | $3.0M | $1.0M | $0 |
| Net interest income after provision for (recapture of) credit losses | $162.4M | $114.8M | $114.6M | $111.6M |
| Revenue from contract with customer, including assessed tax | $10.1M | $9.2M | $9.4M | $9.3M |
| BOLI income | $3.5M | $3.1M | $3.3M | $3.2M |
| Gain on OREO, net | $0 | $0 | $0 | $0 |
| Other | $3.4M | $1.9M | $8.5M | $2.2M |
| Total noninterest income | $17.0M | $14.3M | $13.0M | $14.7M |
| Salaries and employee benefits | $46.6M | $37.5M | $35.9M | $35.0M |
| Occupancy and equipment | $8.3M | $6.1M | $5.8M | $6.1M |
| Professional services | $3.3M | $2.5M | $2.4M | $2.2M |
| Computer software expense | $6.1M | $4.3M | $4.3M | $4.4M |
| Marketing and promotion | $2.1M | $2.1M | $1.7M | $1.8M |
| Amortization of intangible assets | $3.6M | $850.0K | $1.0M | $1.2M |
| Provision for unfunded loan commitments | $4.3M | $500.0K | $500.0K | $0 |
| Acquisition related expenses | $31.4M | $1.1M | — | — |
| Other | $8.8M | $5.7M | $6.9M | $6.9M |
| Total noninterest expense | $114.4M | $60.6M | $58.6M | $57.6M |
| Earnings before income taxes | $65.0M | $68.6M | $69.0M | $68.8M |
| Income tax expense | $16.8M | $17.5M | $16.4M | $18.2M |
| Net earnings | $48.3M | $51.0M | $52.6M | $50.6M |
| Unrealized (loss) gain on securities and derivatives arising during the period, before tax | ($4.4M) | $3.8M | $28.8M | $15.6M |
| Less: Income tax benefit (expense) related to items of other comprehensive income | $1.3M | ($1.1M) | ($8.4M) | ($6.5M) |
| Other comprehensive (loss) income, net of tax | ($3.1M) | $2.7M | $20.4M | $9.2M |
| Comprehensive income | $45.1M | $53.7M | $72.9M | $59.7M |
| Basic earnings per common share | $0.29 | $0.38 | $0.38 | $0.37 |
| Diluted earnings per common share | $0.29 | $0.38 | $0.38 | $0.37 |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Cash and due from banks | $107.5M | $153.9M | $171.4M | $158.2M |
| Interest-earning balances due from Federal Reserve | $268.9M | $50.8M | $109.9M | $45.2M |
| Total cash and cash equivalents | $376.4M | $204.7M | $281.3M | $203.5M |
| Interest-earning balances due from depository institutions | $13.1M | $480.0K | $8.2M | $9.6M |
| Investment securities available-for-sale, at fair value (with amortized cost of $2,997,047 at December 31, 2024, and $3,398,942 at December 31, 2023) | $2.7B | $2.5B | $3.0B | $3.3B |
| Investment securities held-to-maturity (fair value of $1,925,492 at December 31, 2025, and $1,954,345 at December 31, 2024) | $2.3B | $2.4B | $2.5B | $2.6B |
| Total investment securities | $5.0B | $4.9B | $5.4B | $5.8B |
| Investment in FHLB, FRB, and other stock | $55.9M | $18.0M | $18.0M | $27.6M |
| Loans and lease finance receivables | $8.7B | $8.5B | $8.9B | $9.1B |
| Allowance for credit losses | $77.2M | ($80.1M) | ($86.8M) | ($85.1M) |
| Total loans and lease finance receivables, net | $8.6B | $8.5B | — | — |
| Premises and equipment, net | $26.5M | $27.5M | $44.7M | $46.7M |
| Bank owned life insurance (BOLI) | $325.3M | $316.2M | $308.7M | $255.5M |
| Accrued interest receivable | $46.7M | $45.7M | $49.0M | $46.7M |
| Intangibles | $5.8M | $10.0M | $15.3M | $21.7M |
| Goodwill | $765.8M | $765.8M | $765.8M | $765.8M |
| Income tax asset | $174.2M | $171.2M | $164.0M | $186.7M |
| Other assets | $265.9M | $215.9M | $127.2M | $108.9M |
| Total assets | $15.6B | $15.2B | $16.0B | $16.5B |
| Noninterest-bearing | $6.8B | $7.0B | $7.2B | $8.2B |
| Interest-bearing | $5.3B | $4.9B | $4.2B | $4.7B |
| Total deposits | $12.1B | $11.9B | $11.4B | $12.8B |
| Customer repurchase agreements | $490.6M | $261.9M | $271.6M | $565.4M |
| Federal Home Loan Bank advances and other borrowings | $500.0M | $500.0M | $2.1B | $995.0M |
| Deferred compensation | $22.3M | $22.9M | $22.3M | $22.1M |
| Accrued interest payable | $4.8M | $5.0M | $23.3M | — |
| Other liabilities | $246.2M | $229.1M | $122.1M | $109.3M |
| Total liabilities | $13.3B | $13.0B | $13.9B | $14.5B |
| Common stock, authorized 225,000,000 shares without par; issued and outstanding 135,551,799 at December 31, 2025 and 139,690,086 at December 31, 2024 | 1.2B | 1.3B | 1.3B | 1.3B |
| Retained earnings | $1.3B | $1.2B | $1.1B | $1.0B |
| Accumulated other comprehensive loss, net of tax | ($227.7M) | ($312.1M) | ($323.6M) | ($354.8M) |
| Total stockholders' equity | $2.3B | $2.2B | $2.1B | $1.9B |
| Total liabilities and stockholders' equity | $15.6B | $15.2B | $16.0B | $16.5B |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Sep 30, 2025 | Jun 30, 2025 |
|---|---|---|---|---|
| Cash and due from banks | $194.6M | $138.6M | $151.8M | $195.1M |
| Interest-earning balances due from Federal Reserve | $909.8M | $313.8M | $632.1M | $543.6M |
| Total cash and cash equivalents | $1.1B | $452.4M | $783.9M | $738.6M |
| Interest-earning balances due from depository institutions | $749.0K | $4.9M | $13.2M | $11.0M |
| Investment securities available-for-sale, at fair value (with amortized cost of $3,777,744 at June 30, 2026, and $2,982,228 at December 31, 2025) | $3.5B | $2.6B | $2.6B | $2.5B |
| Investment securities held-to-maturity (with fair value of $1,867,394 at June 30, 2026, and $1,925,492 at December 31, 2025) | $2.2B | $2.2B | $2.3B | $2.3B |
| Total investment securities | $5.7B | $4.8B | $4.9B | $4.8B |
| Investment in FHLB, FRB, and other stock | $81.3M | $55.9M | $18.0M | $18.0M |
| Loans and lease finance receivables | $12.0B | $8.6B | $8.5B | $8.4B |
| Allowance for credit losses | ($126.7M) | ($80.2M) | ($79.3M) | ($78.0M) |
| Net loans and lease finance receivables | $11.9B | $8.6B | $8.4B | $8.3B |
| Premises and equipment, net | $33.1M | $26.9M | $26.6M | $26.6M |
| Bank owned life insurance ("BOLI") | $415.1M | $328.5M | $323.9M | $320.6M |
| Accrued interest receivable | $60.7M | $44.1M | $42.8M | $45.2M |
| Intangibles | $117.9M | $4.9M | $6.7M | $7.7M |
| Goodwill | $1.1B | $765.8M | $765.8M | $765.8M |
| Income tax asset | $307.9M | $165.3M | $162.6M | $152.8M |
| Other assets | $395.0M | $258.6M | $253.9M | $233.7M |
| Total assets | $21.2B | $15.5B | $15.7B | $15.4B |
| Noninterest-bearing | $8.6B | $7.1B | $7.2B | $7.2B |
| Interest-bearing | $7.7B | $4.8B | $4.9B | $4.7B |
| Total deposits | $16.3B | $11.9B | $12.1B | $12.0B |
| Customer repurchase agreements | $563.4M | $494.3M | $451.3M | $404.2M |
| Federal Home Loan Bank advances and other borrowings | $500.0M | $500.0M | $500.0M | $500.0M |
| Subordinated debt, net | $39.0M | — | — | — |
| Deferred compensation | $54.4M | $23.4M | $22.0M | $22.9M |
| Accrued interest payable | $6.5M | $4.3M | $4.6M | $4.6M |
| Other liabilities | $561.1M | $219.1M | $282.0M | $257.4M |
| Total liabilities | $18.0B | $13.2B | $13.4B | $13.2B |
| Common stock, authorized, 225,000,000 shares without par; issued and outstanding 176,247,135 at June 30, 2026, and 135,551,799 at December 31, 2025 | 2.1B | 1.2B | 1.3B | 1.3B |
| Retained earnings | $1.3B | $1.3B | $1.3B | $1.2B |
| Accumulated other comprehensive loss, net | ($228.1M) | ($225.0M) | ($247.8M) | ($268.1M) |
| Total stockholders' equity | $3.2B | $2.3B | $2.3B | $2.2B |
| Total liabilities and stockholders' equity | $21.2B | $15.5B | $15.7B | $15.4B |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Interest and dividends received | $602.4M | $644.1M | $615.1M | $512.7M |
| Service charges and other fees received | $51.5M | $44.4M | $43.7M | $43.9M |
| Interest paid | ($133.3M) | ($200.4M) | ($95.5M) | ($8.6M) |
| Net cash paid to vendors, employees and others | ($266.1M) | ($184.4M) | ($197.7M) | ($185.3M) |
| Income taxes paid | ($33.1M) | — | ($69.9M) | ($88.9M) |
| Net change in FHLB, FRB, and other stock | ($37.9M) | $0 | $9.6M | ($4.9M) |
| Net change in interest-earning balances from depository institutions | ($12.6M) | $7.7M | $1.3M | $26.4M |
| Proceeds from repayment of investment securities available-for-sale | $310.2M | $311.6M | $374.5M | $423.0M |
| Proceeds from maturity of investment securities available-for-sale | $65.0M | $66.4M | $329.0K | $90.2M |
| Proceeds from sales of available-for-sale securities | $92.9M | $439.4M | — | — |
| Purchases of investment securities available-for-sale | ($483.6M) | ($419.2M) | ($46.4M) | ($1.1B) |
| Proceeds from repayment and maturity of investment securities held-to-maturity | $103.9M | $84.0M | $75.5M | $148.2M |
| Purchases of investment securities held-to-maturity | ($6.2M) | ($11.5M) | ($2.0M) | ($659.0M) |
| Net (increase) decrease in equity investments | ($106.8M) | ($23.8M) | ($13.6M) | $2.0M |
| Net (increase) decrease in loan and lease finance receivables | ($156.3M) | $352.7M | $180.3M | ($400.2M) |
| Purchase of premises and equipment | ($4.1M) | ($5.1M) | ($4.5M) | ($5.4M) |
| Proceeds from sale-leaseback transactions | $0 | $44.5M | — | — |
| Proceeds from redemption of BOLI policies | $0 | $0 | $67.8M | — |
| Purchase of BOLI policies | $0 | $0 | ($109.0M) | $0 |
| Proceeds from BOLI death benefit | $3.1M | $5.8M | $2.5M | $11.4M |
| Proceeds from sales of OREO | $22.0M | — | $0 | $0 |
| Net cash (used in) provided by investing activities | ($210.3M) | $852.7M | $536.3M | ($1.2B) |
| Net increase (decrease) in other deposits | $120.4M | $337.5M | ($1.5B) | ($1.2B) |
| Net increase in time deposits | $3.2M | $177.2M | $101.8M | ($103.7M) |
| Net (decrease) increase in other borrowings | $0 | ($1.6B) | $1.1B | $992.7M |
| Net increase (decrease) in customer repurchase agreements | $228.7M | ($9.8M) | ($293.8M) | ($77.0M) |
| Cash dividends on common stock | ($111.0M) | ($111.8M) | ($111.7M) | ($104.4M) |
| Repurchase of common stock | ($81.1M) | ($2.8M) | ($21.2M) | ($46.3M) |
| Proceeds from exercise of stock options | $383.0K | $565.0K | $210.0K | $1.9M |
| Net cash provided by (used in) financing activities | $160.6M | ($1.2B) | ($754.1M) | ($625.9M) |
| Net increase (decrease) in cash and cash equivalents | $171.7M | ($76.6M) | $77.8M | ($1.5B) |
| Cash and cash equivalents, beginning of period | $204.7M | $281.3M | $203.5M | $1.7B |
| Cash and cash equivalents, end of period | $376.4M | $204.7M | $281.3M | $203.5M |
| Net earnings | $209.3M | $200.7M | $221.4M | $235.4M |
| Gain on sale of OREO | ($2.5M) | — | — | — |
| Write-down of BOLI | $0 | $0 | ($4.5M) | — |
| Increase in BOLI | ($11.5M) | ($12.4M) | ($8.3M) | ($5.4M) |
| Net amortization of premiums and discounts on investment securities | $15.6M | $16.8M | $18.0M | $26.6M |
| Loss on sale available-for-sale securities | $11.0M | $28.3M | — | — |
| Accretion of discount for acquired loans, net | ($2.4M) | ($3.3M) | ($3.9M) | ($7.9M) |
| (Recapture of) provision for credit losses | ($3.5M) | ($3.0M) | $2.0M | $10.6M |
| Provision for (recapture of) unfunded loan commitments | $2.0M | ($1.3M) | ($500.0K) | $0 |
| Valuation allowance on OREO | $332.0K | $28.0K | — | — |
| Gain on sale leaseback transactions | $0 | ($25.9M) | — | — |
| Stock-based compensation | $6.2M | $10.2M | $9.4M | $7.9M |
| Line item | Jun 30, 2026 · YTD | Mar 31, 2026 · Q1 | Sep 30, 2025 · YTD | Jun 30, 2025 · YTD |
|---|---|---|---|---|
| Interest and dividends received | $337.3M | $153.6M | $448.2M | $292.8M |
| Service charges and other fees received | $24.4M | $11.1M | $39.9M | $22.3M |
| Interest paid | ($69.1M) | ($31.8M) | ($100.1M) | ($65.6M) |
| Net cash paid to vendors, employees and others | ($147.4M) | ($68.1M) | ($186.3M) | ($131.3M) |
| Proceeds from sale of loans | $327.4M | — | — | — |
| Income taxes paid, net | ($22.1M) | ($2.4M) | — | — |
| Net change in FHLB, FRB, and other stock | $7.2M | — | — | — |
| Net change in interest-earning balances from depository institutions | $12.3M | $8.1M | ($12.7M) | ($10.5M) |
| Proceeds from repayment of investment securities available-for-sale | $249.6M | $90.6M | $214.2M | $137.4M |
| Proceeds from repayment and maturity of investment securities held-to-maturity | $47.0M | $20.5M | $78.9M | $52.6M |
| Proceeds from sale of investment securities available-for-sale | $488.2M | — | — | — |
| Purchases of investment securities available-for-sale | ($361.5M) | — | ($243.9M) | ($29.4M) |
| Purchases of investment securities held-to-maturity | ($1.1M) | ($1.1M) | ($6.2M) | ($6.2M) |
| Net increase in equity investments | ($27.0M) | ($6.9M) | ($48.0M) | ($18.5M) |
| Net (increase) decrease in loan and lease finance receivables | ($156.3M) | $56.4M | $69.0M | $179.6M |
| Purchase of premises and equipment | ($1.9M) | ($1.1M) | ($2.4M) | ($1.5M) |
| Proceeds from BOLI death benefit | $0 | $0 | $2.3M | $2.3M |
| Proceeds from sales of OREO | $0 | $0 | $21.3M | $21.3M |
| Cash acquired from acquisition, net of cash paid | $542.7M | — | — | — |
| Net cash provided by investing activities | $799.2M | $166.4M | $168.0M | $357.1M |
| Net (decrease) increase in other deposits | ($103.7M) | ($94.5M) | $167.7M | $26.0M |
| Net (decrease) increase in time deposits | ($432.0M) | ($32.3M) | $8.2M | $10.4M |
| Repayment of long-term FHLB advances | ($300.0M) | — | — | — |
| Net change in short-term borrowings | $300.0M | — | — | — |
| Net increase in customer repurchase agreements | $72.8M | $3.7M | $189.4M | $142.3M |
| Cash dividends on common stock | ($54.4M) | ($27.1M) | ($83.5M) | ($55.9M) |
| Repurchase of common stock and restricted stock | ($5.1M) | ($3.1M) | ($47.4M) | ($41.2M) |
| Proceeds from exercise of stock options | $714.0K | $477.0K | $352.0K | $259.0K |
| Net cash (used in) provided by financing activities | ($521.8M) | ($152.8M) | $234.7M | $81.8M |
| Net increase in cash and cash equivalents | $728.0M | $76.0M | $579.2M | $533.9M |
| Cash and cash equivalents, beginning of period | $376.4M | $376.4M | $204.7M | $204.7M |
| Cash and cash equivalents, end of period | $1.1B | $452.4M | $783.9M | $738.6M |
| Net Income | $99.3M | $51.0M | $154.3M | $101.7M |
| Gain on sale of other real estate owned | $0 | $0 | ($2.0M) | ($2.0M) |
| Increase in BOLI | $0 | ($3.1M) | ($9.3M) | ($6.1M) |
| Net amortization of premiums and discounts on investment securities | $6.6M | $3.9M | $11.8M | $7.8M |
| Accretion of discount for acquired loans, net | $3.6M | ($569.0K) | ($1.8M) | ($1.4M) |
| Provision for (recapture of) credit losses | $3.0M | $3.0M | ($1.0M) | ($2.0M) |
| Provision for unfunded loan commitments | $4.8M | $500.0K | $1.0M | ($500.0K) |
| Stock-based compensation | $2.4M | $2.2M | $7.3M | $4.9M |
| Depreciation, amortization and accretion, net | $8.6M | $4.5M | $12.3M | $8.7M |
| Proceeds from sales of loans held for sale | $327.4M | — | — | — |
| Change in other assets and liabilities | $2.1M | $983.0K | ($4.2M) | ($17.1M) |
| Total adjustments | $351.3M | $11.4M | $22.3M | ($6.7M) |
| Net cash provided by operating activities | $450.5M | $62.4M | $176.5M | $95.0M |
CVB FINANCIAL CORP score and earnings-call analysis · All covered companies
Figures as reported in SEC filings. General information, not investment advice.