CVB Financial Corp.
Financial ServicesNASDAQ:CVBF · NASDAQ Global Select
+$0.31 today
Vol 1.14M · Avg 1.77M
Income Statement
Follow revenue through to earnings
Review sales, margins, expenses, and profit trends to see what is actually driving reported earnings over time.
Earnings Waterfall
Revenue to Net Income
Key Ratios
Analysis
$645.8M of revenue converted into $209.2M of net income for the selected period. Gross margin is 79.3% and net margin is 32.4%, showing how much revenue survives after costs and taxes. EPS is $1.52, tying the income statement back to per-share earnings.
Income Statement
Annual data · 5 periods
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $643.4M -2.3% | $658.7M -1.0% | $665.7M +18.5% | $561.9M +20.1% | $467.8M | $809.6M | $921.6M | $731.2M |
| Cost of Revenue | $129.5M -27.4% | $178.5M +49.0% | $119.8M +506.6% | $19.8M +196.7% | -$20.4M | $725.6M | $804.0M | $882.4M |
| Gross Profit | $513.8M +7.0% | $480.2M -12.0% | $545.8M +0.7% | $542.2M +11.0% | $488.2M | $8.9B | $7.6B | $6.2B |
| Gross Margin | 79.9% +7.0pp | 72.9% -9.1pp | 82.0% -14.5pp | 96.5% -7.9pp | 104.4% | 9.8% | 28.9% | 38.3% |
| Research & Development | $0 | $0 | $0 | $0 | $0 | $983.2M | $1.3B | $490.4M |
| Selling, General & Admin | $201.6M +32.8% | $151.8M +4.0% | $145.9M +5.8% | $137.9M +12.6% | $122.5M | $620.6M | $923.0M | -$1.5B |
| Operating Expenses | $232.2M +11.1% | $208.9M -9.3% | $230.4M +7.7% | $213.8M +12.2% | $190.6M | $5.3B | $7.0B | $8.7B |
| Depreciation & Amortization | $0 -100.0% | $15.4M -15.4% | $18.2M +33.0% | $13.7M +312.6% | -$6.4M | $374.2M | $1.2B | $631.8M |
| EBITDA | $281.7M -1.7% | $286.6M -14.1% | $333.6M -2.5% | $342.0M +17.4% | $291.2M | -$15.2B | $6.8B | $9.3B |
| EBITDA Margin | 43.8% +0.3pp | 43.5% -6.6pp | 50.1% -10.7pp | 60.9% -1.4pp | 62.3% | 5.6% | 46.3% | 42.0% |
| Operating Income | $281.7M +3.9% | $271.2M -14.0% | $315.4M -3.9% | $328.3M +10.3% | $297.6M | $12.3B | $14.0B | -$15.7B |
| Operating Margin | 43.8% +2.6pp | 41.2% -6.2pp | 47.4% -11.0pp | 58.4% -5.2pp | 63.6% | 16.6% | 24.1% | 22.0% |
| Interest Income | $593.3M -5.6% | $628.6M +4.0% | $604.5M +17.7% | $513.5M +22.4% | $419.6M | -$1.5B | -$1.6B | $405.0M |
| Interest Expense | $133.0M -27.2% | $182.8M +54.4% | $118.3M +1192.6% | $9.2M +50.6% | $6.1M | $1.1B | $1.0B | $1.2B |
| Other Income / Expenses | $0 | $0 | $0 | $0 | $0 | -$1.5B | $1.4B | $1.2B |
| Income Before Tax | $281.7M +3.9% | $271.2M -14.0% | $315.4M -3.9% | $328.3M +10.3% | $297.6M | $3.3B | $4.9B | $3.6B |
| Pre-Tax Margin | 43.8% +2.6pp | 41.2% -6.2pp | 47.4% -11.0pp | 58.4% -5.2pp | 63.6% | 20.8% | 18.7% | 26.2% |
| Income Tax Expense | $72.4M +2.7% | $70.5M -25.0% | $94.0M +1.2% | $92.9M +9.2% | $85.1M | $1.3B | -$1.6B | $745.2M |
| Net Income | $209.3M +4.3% | $200.7M -9.4% | $221.4M -5.9% | $235.4M +10.8% | $212.5M | $4.9B | $4.8B | $4.7B |
| Net Margin | 32.5% +2.1pp | 30.5% -2.8pp | 33.3% -8.6pp | 41.9% -3.5pp | 45.4% | 12.4% | 17.5% | 22.5% |
| EPS (Basic) | $2 +6.3% | $1 -9.4% | $2 -4.8% | $2 +6.4% | $2 | $400.8M | $703.2M | $1.3B |
| EPS (Diluted) | $2 +5.6% | $1 -9.4% | $2 -4.8% | $2 +7.1% | $2 | $766.2M | $609.4M | $452.6M |
| Weighted Avg Shares | $137.6M -0.6% | $138.4M +0.1% | $138.3M -0.9% | $139.7M +3.3% | $135.2M | $757.8M | $925.8M | $1.1B |
| Weighted Avg Shares (Diluted) | $135.9M -1.9% | $138.6M +0.1% | $138.5M -1.1% | $140.0M +3.4% | $135.4M | $1.2B | $924.4M | $678.0M |
Older periods hidden.
Sign in to unlockCompetitors
Peer companies in the same sector
First Financial Bancorp.
NASDAQ:FFBC
$3.39B
Simmons First National Corporation
NASDAQ:SFNC
$3.27B
Park National Corporation
AMEX:PRK
$3.26B
Bank of Hawaii Corporation
NYSE:BOH
$3.18B
Seacoast Banking Corporation of Florida
NASDAQ:SBCF
$3.12B
Banc of California, Inc.
NYSE:BANC
$3.11B
Provident Financial Services, Inc.
NYSE:PFS
$3.06B
WaFd, Inc.
NASDAQ:WAFD
$2.74B
TowneBank
NASDAQ:TOWN
$2.73B
Trustmark Corporation
NASDAQ:TRMK
$2.69B
SEC Filings
Recent regulatory filings
No filings found.
How much revenue does CVBF generate?
CVB Financial Corp. (CVBF) reported $643.36M of revenue in fiscal 2025.
Is CVBF profitable?
CVB Financial Corp. (CVBF) reported $209.30M of net income, with a net margin of 32.5%.
Explore More
Continue the stock analysis
Jump to another research area for this company.