Filing Flows › Financials › CVB Financial (CVBF)
CVB Financial (CVBF) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · CVB Financial (CVBF) Q3 2026 earnings results →
Q3 2026 Revenue up 52% year over year to $196M · 40¢ of every $1 of revenue kept as net profit · operating margin 54.2%
CVB Financial made $196M in Q3 2026 (+52% Y/Y): Net interest income $179M, Noninterest income $16.5M. Operating margin 54.2%, net earnings $78.1M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $195.6M in Q3 2026, up 52% year over year and up 9% from the previous quarter. Net interest income was the largest line at 92% of revenue. Net interest income added $63.5M year over year (up 55%), 95% of the total change.
Operating profit was $106.1M, a 54.2% margin (up 0.6 points year over year). Of the extra revenue versus a year earlier, 55% reached operating profit, above the 54% margin then. Total costs grew 50% against revenue growth of 52%. Net earnings were $78.1M, up 49% year over year. The effective tax rate was 26.4%.
Operating cash flow was $139.6M (up 71% year over year), 179% of net earnings. Non-cash charges added back $11.7M of depreciation and amortization and $2.2M of share-based compensation. Working capital and other items added $47.6M. Capital expenditures of $1.8M left free cash flow of $137.8M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $196M | +52% | 54.2% | $78.1M | $140M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
Loading the interactive chart…
🌏Named in Asian annual reportsinteractive
Loading the interactive chart…
🔄Rotation against the market and its industry (RRG)interactive
Loading the interactive chart…
🔍Earnings qualityinteractive
Loading the interactive chart…
⚖️Fair value by methodinteractive
Loading the interactive chart…
🔭Outlook & guidanceinteractive
Loading the interactive chart…
📈Investments: gains and what it boughtinteractive
Loading the interactive chart…
🏭Its industry’s money flow (input-output)interactive
Loading the interactive chart…
About CVB Financial
CVB Financial Corp. (referred to herein on an unconsolidated basis as “CVB” and on a consolidated basis as “we”, “our” or the “Company”) is a bank holding company incorporated in California on April 27, 1981 and registered with the Board of Governors of the Federal Reserve System (“Federal Reserve”) under the Bank Holding Company Act of 1956, as amended (the “BHCA”). The Company commenced business on December 30, 1981 when, pursuant to a reorganization, it acquired all of the voting stock of Chino Valley Bank. On March 29, 1996, Chino Valley Bank changed its name to Citizens Business Bank, and on December 15, 2025, Citizens Business Bank changed its name to Citizens Business Bank, National Association (“CBB” or the “Bank”). The Bank is our principal asset. The Company has one inactive subsidiary, Chino Valley Bancorp.
In its own words, from its 10-K, filed Feb 27, 2026.
CVB Financial against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +52% against the peers' median +12%. Operating margin: 54.2% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| CVBF CVB Financial | Q3 2026 | $196M | +52% | 54.2% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: CVB Financial 10-Q on SEC EDGAR · CIK 354647 · State Commercial Banks
Guidance and outlook
13F: who owns CVBF and who is buying
More on CVBF
History
Every quarter: Q3 2026 results