CVB Financial (CVBF)
Commercial bank for California businesses, with wealth management and nationwide factoring.
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Operates Citizens Business Bank, earning mainly from deposits and commercial lending to California businesses, alongside treasury management, CitizensTrust wealth services, and nationwide factoring through Bay View Funding. The franchise depends on deposit funding, credit quality, and California business and real-estate conditions.
Operates Citizens Business Bank, a commercial bank serving primarily small and midsize businesses and individuals across California. Deposit accounts fund commercial, commercial real estate, construction, agribusiness, equipment, municipal, and consumer lending, while treasury management and international banking deepen business relationships.
Extends the franchise through CitizensTrust, which provides trust, investment, brokerage, estate-planning, and business-succession services, and Bay View Funding, a nationwide provider of working-capital factoring. Relationship managers and local decision-making support a statewide network expanded by the completed Heritage Commerce acquisition and subsequent systems conversion.
Earnings depend mainly on loan yields, deposit costs, credit quality, and fee income. Lending remains exposed to California business and real-estate conditions, while the holding company and national-bank subsidiary operate under federal and state banking regulation.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 6, 2026 | Stephens | Upgrade | Target: $25 | Target: $27 |
| Jul 28, 2026 | Stephens | Target | Target: $21 | Target: $25 |
| Jul 27, 2026 | Piper Sandler | Reiterate | Rating: —Target: $27 | Target: $28 |
| Jul 1, 2026 | Raymond James | Upgrade | Target: — | Target: $25 |
| Apr 27, 2026 | Piper Sandler | Reiterate | Rating: —Target: — | Target: $27 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $6.78B · Total debt $1.10B · Total assets $21.18B · Shareholders' equity $3.17B
- Revenue
- $219.1M
- Operating income
- $65.0M
- Net income
- $48.3M
HistoryDividendAnnual yieldUpcoming
| Institutions | ≈ 105.65% | 151.54M shares | |
|---|---|---|---|
| 326 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 6.45% | 9.25M shares | |
| 20 holders · as of Aug 31, 2026 | |||
| Adds to | 112.10% | ||
143.44M company shares as of Aug 28, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Two share counts disagree (176.46M in the company's Sep 22, 2026 report, 143.44M elsewhere); stakes use the report.
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
These groups come from separate filings that can overlap, so they add to 112.10%; nothing is left for Other.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 17.91% | 25.69M | as of Jun 30, 2026 |
State Street CorpInstitution | 7.32% | 10.51M | as of Jun 30, 2026 |
Vanguard Portfolio Management LLCInstitution | 7.08% | 10.16M | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 7.01% | 10.05M | as of Jun 30, 2026 |
FMR LLCInstitution | 6.86% | 9.83M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 31, 2026 | Mike Maddox | director | +10,000 | $22.03 |
| Aug 5, 2026 | David C. Harvey | officer: EVP Chief Operating Officer | −40,000 | $22.94 |
| Jul 28, 2026 | Brien Raymond V. III O. | director | +20,000 | $22.77 |
| May 22, 2026 | George A. Jr Borba | director | +48,894 | $20.45 |
| May 19, 2026 | George A. Jr Borba | director | +25,187 | $19.85 |
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| CVB Financial | $22.29 | −0.65% | $3.22B | 14.8 | 12.0 | 4.6 | +42.0% |
| Banc of California | $18.19 | −0.55% | $2.81B | — | 9.5 | 1.6 | +4.7% |
| East West Bancorp | $126.00 | −1.39% | $17.50B | 12.3 | 11.5 | 3.7 | +12.5% |
| Columbia Banking System | $29.59 | −1.03% | $8.46B | 11.9 | 9.4 | 2.4 | +33.1% |
| Western Alliance | $77.81 | −1.07% | $8.59B | 8.8 | 7.5 | 1.7 | +17.7% |
| Cathay General Bancorp | $61.13 | −0.57% | $4.12B | 12.0 | 10.6 | 3.0 | +12.5% |
| Bank of Hope | $13.79 | −0.22% | $1.77B | 13.8 | 10.6 | 1.7 | +56.3% |
| Preferred Bank | $106.30 | −0.06% | $1.26B | 9.7 | 9.9 | 2.5 | +4.0% |
| Westamerica Bancorp | $59.36 | −0.21% | $1.40B | 13.1 | 12.8 | 5.3 | −2.5% |
| Median | 12.0 | 10.2 | 2.4 | +12.5% |