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CVB Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$138M in Q3 2026 · $630M over twelve months

Operating cash flow$140M
Capital spending−$1.8M
Free cash flow+$138M
Cash / net income1.8×

Analysis

In Q3 2026, CVB Financial generated $140M of operating cash flow and spent $1.8M on capital projects, leaving free cash flow of $138M. That is $57.1M more than in Q3 2025 ($80.7M).

Over the twelve months to Sep 30, 2026, operating cash flow was $635M; the largest uses were other financing ($986M), dividends ($117M), buybacks ($56.5M); besides operations, cash came from shares issued ($1.1M), other investing ($1.0M); the cash balance fell by $528M.

Operating cash flow was $140M against net income of $78.1M — 1.8× profit, cash ran ahead of reported earnings. The largest differences: other operating capital +$60.8M, deferred taxes +$17.7M, depreciation & amortization +$11.7M.

Free cash flow

CVB Financial: free cash flow by quarterCVB Financial: free cash flow by quarter$72.8MQ4 2024$41.2MQ1 2025$52.3MQ2 2025$80.7MQ3 2025$43.2MQ4 2025$61.2MQ1 2026$387MQ2 2026$138MQ3 2026
Operating cash flow less capital spending.
CVB Financial: operating cash flow against capital spendingCVB Financial: operating cash flow against capital spendingOperating cash flowCapital spending$74.8M$2.0MQ4 2024$41.9M$679KQ1 2025$53.1M$850KQ2 2025$81.5M$836KQ3 2025$44.9M$1.7MQ4 2025$62.4M$1.1MQ1 2026$388M$780KQ2 2026$140M$1.8MQ3 2026
Latest (Q3 2026): Operating cash flow $140M, Capital spending $1.8M.

Capital allocation, year by year

CVB Financial: where the cash came from (up) and went (down), by fiscal yearCVB Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $195MFY2021: Net borrowing −$2.7MFY2021: Shares issued $1.3MFY2021: Capital spending −$4.7MFY2021: Buybacks −$8.3MFY2021: Dividends −$97.7M$197MFY2021FY2022: Operating cash flow $274MFY2022: Net borrowing $993MFY2022: Shares issued $1.9MFY2022: Capital spending −$5.4MFY2022: Acquisitions $329MFY2022: Buybacks −$46.3MFY2022: Dividends −$104M$1.6BFY2022FY2023: Operating cash flow $296MFY2023: Net borrowing $1.1BFY2023: Shares issued $210KFY2023: Capital spending −$4.5MFY2023: Buybacks −$21.2MFY2023: Dividends −$112M$1.4BFY2023FY2024: Operating cash flow $250MFY2024: Net borrowing −$1.6BFY2024: Shares issued $565KFY2024: Capital spending −$5.1MFY2024: Buybacks −$2.8MFY2024: Dividends −$112M$250MFY2024FY2025: Operating cash flow $221MFY2025: Shares issued $383KFY2025: Capital spending −$4.1MFY2025: Buybacks −$81.1MFY2025: Dividends −$111M$222MFY2025
Over these 5 years operating cash flow totalled $1.2B; the largest uses were net borrowing ($1.6B) and dividends ($537M). Cash-flow statements as filed.

Where the cash came from and went

CVB Financial: sources (+) and uses (−) of cash, Q3 2026CVB Financial: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)$848MOther financing−$510MOther investing−$424MOperating cash flow$140MDividends−$35.2MBuybacks−$17.6MCapital spending−$1.8MShares issued$367K
CVB Financial: sources (+) and uses (−) of cash, TTM to Q3 2026CVB Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing−$986MOperating cash flow$635MCash drawn (+) / kept (−)$528MDividends−$117MBuybacks−$56.5MCapital spending−$5.4MShares issued$1.1MOther investing$1.0M

From profit to cash

CVB Financial: net income to operating cash flow, Q3 2026CVB Financial: net income to operating cash flow, Q3 2026Net income$78.1MDepreciation & amortization$11.7MStock-based pay$2.2MDeferred taxes$17.7MOther operating capital$60.8MOperating cash flow$140M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$140M−$1.8M−$17.6M−$35.2M$367K$848M$138M
Q2 2026$388M−$780K−$2.1M−$27.3M$237K−$652M$387M
Q1 2026$62.4M−$1.1M−$3.1M−$27.1M$477K−$76.0M$61.2M
Q4 2025$44.9M−$1.7M−$33.8M−$27.5M$31K$408M$43.2M
Q3 2025$81.5M−$836K−$6.1M−$27.6M$93K−$45.3M$80.7M
Q2 2025$53.1M−$850K−$22.5M−$28.0M$7K−$210M$52.3M
Q1 2025$41.9M−$679K−$18.7M−$27.9M$252K−$324M$41.2M
Q4 2024$74.8M−$2.0M−$193K−$27.9M$436K$249M$72.8M

CVB Financial: income statement and cash flow

CVB Financial, Q3 2026: revenue $196M (+52% year over year), operating margin 54.2%. The chart follows the revenue to costs, profit and cash.

CVB Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.