CVBFCVB FINANCIAL CORP
State Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- $319M
- 0.4% YoY
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- -2.8×
- −$904M net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear106% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear87% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear5% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Operating income | — | $300K | $314M | $314M | $314M | 0.0% |
| Net income | $213M | $235M | $221M | $201M | $209M | 4.3% |
| Operating cash flow | $195M | $274M | $296M | $250M | $221M | 11% |
| Capex | $5M | $5M | $5M | $5M | $4M | 21% |
| Stock-based comp | $5M | $8M | $9M | $10M | $6M | 39% |
| Buybacks | $8M | $46M | $21M | $3M | $81M | 2780% |
| Dividends | $98M | $104M | $112M | $112M | $111M | 0.8% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $4M | $4M | 116 | 153 |
| FY2024 | $3M | $3M | 129 | 143 |
| FY2023 | $3M | $2M | 115 | 127 |
| FY2022 | $3M | $4M | 141 | 127 |
| FY2021 | $3M | $3M | 114 | 137 |