NASDAQ: CVBF

CVB Financial (CVBF) Stock Analysis & Forecast

Oct 12 close

$21.65+0.16 (+0.7%)
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Gekko Brief

AI summaryOct 12 close

This week brings scheduled third-quarter results for CVB Financial, with an October 22 earnings call date noted alongside an Argus analyst report dated October 7. Coverage also pointed back to Q2 figures, where net income was $48.3 million, down 3.9% year over year, even as revenue rose 42%, a backdrop tied to the completed Heritage Bank of Commerce acquisition and its integration costs.

CVBF closed at $21.65, up 0.7%, sitting between its 50-day average of $22.42 and 200-day average of $20.94, with one-month and three-month returns of -3.5% and -4.2% against a six-month gain of 5% and a one-year gain of 15.7%. The GekkoIndex reads 62.2, placing the stock in the Accumulation zone, up 2.1 over five days. Price sits 9.5% below Gekko Fair Value of $23.93.

Over the next 20 trading days, the company's next earnings date is set for 28 October 2026, 15 days out, inside that window, following a Q2 beat of $0.44 versus a $0.42 estimate and an eight-quarter beat streak. Smart money shows 2 insider purchases totaling $675,600 over the last 90 days. Seasonality over five years shows an average 20-day return of 8.6%, with gains in 5 of those years. Three covering analysts hold buy ratings, with a consensus target of $26.17.

Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.

CVB Financial price vs fair value

$23.93$21.65Oct ’25Apr ’26Oct ’26
Close $21.65200-day averageGekko Fair Value $23.93

CVB Financial quick facts

Market cap
$3.11B
P/E ratio
15.2
Forward P/E
11.5
EPS, TTM
$1.43
Revenue, TTM
$572.5M
Profit margin
36.1%
Dividend yield
3.72%
Beta
0.67
Volume
738,745 avg 1.52M
1-year return
+15.7%
Typical daily move
±1.9%
Typical 20-day move
±5.1%
50-day average
$22.42
200-day average
$20.94
Next earnings
Oct 28
Shares outstanding
176.0M
52-week range
$17.95$23.41

CVB Financial swing-trade checklist

CVB Financial scores 4 supportive, 1 mixed and 1 headwind across the 6 checklist items with data.

Six things swing traders check before a 20-day hold, read from the latest data.

4 supportive1 mixed1 headwind

  • Trendmixed

    Averages disagree

    Close $21.65 sits between the 50-day ($22.42) and 200-day ($20.94) averages, or the averages disagree.

    See the chart
  • GekkoIndexsupportive

    62.2, Accumulation

    Reading 62.2 is in the Accumulation zone.

    See the GekkoIndex
  • Fair valuesupportive

    9.5% below

    Price is 9.5% below Gekko Fair Value (more than 5% below).

    See fair value
  • Smart moneysupportive

    Leans bullish

    Last 90 days: 2 open-market insider purchases.

    See smart money
  • Earnings riskheadwind

    Reports in 16 days

    Reports on Oct 28, 2026, 16 days away — inside a typical 20-trading-day hold.

    See earnings
  • Seasonalitysupportive

    +8.6% on average

    From this point in the calendar, the next 20 trading days averaged +8.6% over 5 years, rising in 5 of them.

    See seasonality

A description of current data, not a recommendation. How this page works

CVB Financial stock chart and price history

CVB Financial closed at $21.65 on Oct 12, 2026, +15.7% over the past year, inside a 52-week range of $17.95 to $23.41.

5Y and weekly in Gekko
Close50-day average200-day averageVolume
CVB Financial share price, past year, with 50-day and 200-day moving averages and volume$18$19$20$21$23NovDecJan 2026FebMarAprMayJunJulAugSepOct21.65

Use the left and right arrow keys to read daily values.

Performance Breakdown

1 month
−3.5%
3 months
−4.2%
6 months
+5.0%
1 year
+15.7%
The full CVBF chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open CVBF in Gekko

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About CVB Financial

CVB Financial sits atop Citizens Business Bank, a state-chartered lender that works mainly with individuals and with smaller and mid-sized companies. It is recognized for everyday banking staples like checking, savings, money market and certificate of deposit accounts, and it also handles federal tax payments as an approved depository.

The bank's lending activity spans commercial credit lines, working capital help, receivables-based financing and letters of credit, plus farm loans aimed at dairies, cattle operations and other agricultural producers. It also arranges leases for municipal borrowers and funds commercial property and construction projects, while individual customers can get vehicle loans and leases, credit cards, home loans and home equity credit lines. Beyond lending and deposits, offerings include cash management tools, card payment processing, payroll support, remote check deposit and electronic money movement such as wires and ACH, with wealth and trust services run through its CitizensTrust Division covering fiduciary work, mutual funds, annuities and retirement plans.

Founded in 1974, CVB Financial is based in Ontario, California, operating banking locations across several California counties along with trust offices in Ontario, Newport Beach and Pasadena and loan production sites in the Central Valley and Sacramento regions. Its stock trades on the NASDAQ under the ticker CVBF.

Listed
NASDAQ
Sector
Finance
Industry
Regional banks
Website
cbbank.com

CVB Financial GekkoIndex: the smart money zone

CVB Financial’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 62.2, in the Accumulation zone, up 2.1 points over five sessions.

010062.2Accumulation

Up 2.1 points over five sessions.

Reading for Oct 12, 2026

What followed past readings in each zone

ZoneReadings5 days10 days20 days50 days
Buying20+2.2%+5.0%+4.0%+3.2%
Accumulation (current zone)263+0.4%+0.5%+2.0%+2.4%
Neutral3690.0%+0.2%+0.4%+3.1%
Distribution29−0.3%−1.5%−4.3%−5.2%
Selling1Too few readings yet

Average CVBF share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.2% over 20 days. Past behaviour doesn’t guarantee future results.

Accumulation zone: Institutional interest building. About the five zones →

See every daily GekkoIndex reading plotted over the CVBF price, zone by zone.Track CVBF in Gekko

Is CVB Financial stock overvalued? Gekko Fair Value

CVB Financial trades 9.5% below Gekko Fair Value of $23.93, so the shares are undervalued on Gekko’s estimate.

Gekko’s own estimate of what CVB Financial shares are worth, recalculated every trading day.

$23.93

Gekko Fair Value, Oct 10, 2026

9.5% Undervalued

How Gekko Fair Value works →

Gekko Fair Value on every chart, with the gap to price updating daily.Open CVBF in Gekko

CVB Financial insider and Congress trading

Insiders filed 2 open-market purchases in CVB Financial worth $676K, and no Congress trades were disclosed, in the last 90 days.

Plus buybacks, unusual options and fund positions, each dated to when it became public.

Insider buying last 90 days

$676Kin 2 open-market purchases

FiledInsiderTypeSharesValue
Aug 31Maddox Mike
director		Purchase10,000$220K
Jul 28Brien Raymond V O III
Director		Purchase20,000$455K

From Form 4 filings, dated to when each was filed.

Congress trades last 90 days

No trades in CVBF were disclosed by members of Congress in the last 90 days.

From congressional disclosures, which report amounts as ranges.

Congress disclosures for CVBF, plotted on the chart in Gekko.Open CVBF in Gekko

Buybacks

CVB Financial has been buying back its own shares.

Bought back, quarter ended Jun 30, 2026
$2.05M
As a share of market cap
0.07%
Trailing four quarters
$45.02M

From company filings.

CVB Financial earnings: next date and track record

CVB Financial reports on Oct 28, 2026 (16 days away), and beat the EPS estimate in 8 of its last 8 reports.

8 of 8reports beat the EPS estimate
±2.2%average move across the report
3 of 8reports followed by a gain

Share-price move across each report

+3.3%Oct ’24−0.4%Jan ’25+2.7%Apr ’25−5.0%Jul ’25−0.4%Oct ’25+4.9%Jan ’26−0.4%Apr ’26−0.3%Jul ’26

Last earnings call, Jul 22, 2026 AI summary

What they said
Citizens Business Bank (CVB Financial) reported Q2 2026 results and discussed the recently completed acquisition and integration of Heritage Bank of Commerce. Reported net earnings were $48.3 million ($0.29 per share), with pretax income of $65 million; excluding acquisition-related charges and a provision for unfunded commitments, pretax income would have been $100.7 million. The Heritage acquisition (closed April 17) materially expanded the balance sheet (assets increased to $21.2 billion), added loans and securities, and produced immediate loan originations growth (originations +85% vs. prior year quarter). Management reported a successful core systems conversion over the June 19–21 weekend and early signs of revenue synergies (trust/wealth, mortgage, international banking). Net interest margin expanded ~28 bps quarter-over-quarter and net interest income rose $44.6 million. Integration-related acquisition expenses were $31.4 million in Q2; core noninterest expense (ex-acquisition/amortization/provision) was $75.2 million. Credit metrics were stable: very low net charge-offs ($137k), nonperforming assets $16.8 million (0.08% of assets), and classified loans $109.7 million (0.91%). Management reiterated targets related to the acquisition (EPS accretion 13%+ in 2027; return on hedge assets ~1.50%; return on tangible common equity ~17%), and discussed timing for cost-savings recognition (most realized by Q4, fully in early 2027).
Guidance
- EPS accretion of 13% or greater in 2027. - Target return on hedge assets of ~1.50% (management also referenced ~1.50% ROAA in discussion). - Target return on tangible common equity (ROATCE) of ~17%. - Cost saves: expect Q3 acquisition expense to fall by more than half from Q2 levels, Q4 to reach a true run rate and achieve ~90–95% of planned cost saves by Q4, with full run-rate by early 2027. - Ongoing share repurchases (management to continue evaluating buybacks and dividend policy as run rate becomes clearer).
Risks flagged
- Competitive pressure on loan pricing and deposit pricing; management noted intense rate competition for high-quality loans. - Interest-rate volatility (movement in 5- and 10-year Treasuries could impact customer behavior and margins). - Integration and execution risk: one-off customer transition items and remaining process integrations through ~September; acquisition-related expenses remain elevated in Q3. - Credit risks tied to acquired loan book: day-one provision for unfunded commitments ($4.25 million) and increase in classified loans attributable to the acquired portfolio. - Funding mix and wholesale funding maturities (decisions not to replace certain wholesale funding could influence cost of funds and liquidity profile).
ReportedEPSSurpriseRevenueSurpriseMove
Jul 22, 2026$0.44
est $0.42		+4.8%$179.4M
est $184.6M		−2.8%−0.3%
Apr 22, 2026$0.38
est $0.38		+0.5%$132.1M
est $132.9M		−0.6%−0.4%
Jan 21, 2026$0.41
est $0.37		+9.0%$133.9M
est $135.4M		−1.2%+4.9%
Oct 22, 2025$0.38
est $0.37		+2.7%$128.6M
est $131.1M		−1.9%−0.4%
Jul 23, 2025$0.36
est $0.35		+2.9%$126.4M
est $131.3M		−3.7%−5.0%
Apr 23, 2025$0.36
est $0.33		+9.1%$126.7M
est $125.0M		+1.3%+2.7%
Jan 22, 2025$0.36
est $0.34		+5.9%$107.3M
est $112.9M		−5.0%−0.4%
Oct 23, 2024$0.37
est $0.35		+5.7%$117.3M
est $126.8M		−7.5%+3.3%

“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.

CVB Financial stock forecast and analyst price targets

Analysts’ average 12-month price target for CVB Financial is $26.17, +20.9% from the last close, from 3 firms rating the stock in the last 90 days.

$26.17consensus 12-month target, +20.9% from the last close
Low $26High $28
Buy3
Hold0
Sell0

Each firm’s latest rating in the last 90 days: 3 firms.

Latest analyst actions

DateFirmRatingTargetvs price
Aug 6StephensBuy, upgraded$27+24.7%
Jul 28StephensHold, maintained$25+15.5%
Jul 27Piper SandlerBuy, maintained$28+29.3%
Jul 27KBWBuy, reiterated$26+20.1%
+2.0%average 20-day move after past Accumulation readings
+8.6%average move over the next 20 trading days in the last 5 years
±1.9%typical daily move, from the 14-day average range

Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.

CVB Financial seasonality: the next 20 trading days

Over the next 20 trading days from Oct 10, CVB Financial averaged +8.6% across the last 5 years, rising in 5 of them.

Next 20 trading days, by year

+3.4%2021+7.4%2022+3.4%2023+20.5%2024+3.7%2025

Average move and hit rate

WindowAverageYears higher
Next 5 trading days+3.1%3 of 5
Next 10 trading days+0.5%3 of 5
Next 15 trading days+3.7%4 of 5
Next 20 trading days+8.6%5 of 5
Next 30 trading days+10.4%5 of 5

For scale, CVBF’s typical 20-trading-day move in either direction is about 5.1%.

CVB Financial market cap and key statistics

CVB Financial’s market cap is $3.11B, with a P/E ratio of 15.2 and revenue of $572.5M over the last twelve months.

Valuation

Market cap
$3.11B
P/E ratio
15.2
Forward P/E
11.5
EPS, TTM
$1.43
Gekko Fair Value
$23.93

Trading

Volume
738,745
Avg volume, 20 days
1.52M
52-week high
$23.41
52-week low
$17.95
Shares outstanding
176.0M

Financials

Revenue, TTM
$572.5M
Profit margin
36.1%
Return on equity
7.7%
Quarterly earnings growth, YoY
−21.6%

Risk and income

Beta
0.67
Typical daily move
±1.9%
Typical 20-day move
±5.1%
Dividend yield
3.72%

CVB Financial stock news this week

Coverage of CVB Financial this week reads neutral: 1 positive, 2 neutral and 1 negative headlines.

News sentiment neutral

CVB Financial peers

CVB Financial’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.

StockTodayGekkoIndex zonevs Fair Value
CMCanadian Imperial Bank of Commerce+0.4%Accumulation5.7% below
USBU.S. Bancorp+0.4%Accumulation11.0% below
NUNu−0.6%Neutral0.7% below
TFCTruist Financial+0.9%Accumulation9.6% below
FITBFifth Third Bancorp+0.1%Accumulation11.2% below
MTBM&T Bank+0.9%Accumulation9.1% below

A peer links to its own page where one exists.

In the Buying zone today

VZTMUSTBMYINGBCS

Reporting earnings this week

JPMJNJUNHGSWFCC

Popular on Gekko

NVDATSLAMSFTAMZNMETAGOOGL

CVB Financial stock FAQ

What is CVB Financial’s market cap?

CVB Financial’s market cap is $3.11B at the Oct 12, 2026 close of $21.65, with 176.0M shares outstanding. The shares trade on a P/E ratio of 15.2.

What is the CVB Financial stock forecast?

The consensus analyst 12-month price target for CVB Financial is $26.17, +20.9% from the last close. Of the 3 firms that rated the stock in the last 90 days, 3 rate it a buy, 0 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.

Is CVB Financial stock overvalued or undervalued?

On Gekko’s estimate CVB Financial is undervalued: the Oct 12, 2026 close of $21.65 is 9.5% below Gekko Fair Value of $23.93. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.

When does CVB Financial report earnings next?

CVB Financial is expected to report on Oct 28, 2026 (16 days away). Analysts expect earnings of $0.41 per share on revenue of $192.8M. CVB Financial beat the earnings estimate in 8 of its last 8 reports, moving 2.2% on average across the report.

What is CVB Financial’s 52-week high and low?

CVB Financial’s 52-week high is $23.41 and its 52-week low is $17.95; it closed at $21.65 on Oct 12, 2026, +15.7% over the past year. Over the last five years the shares peaked at $29.25 on Nov 11, 2022.

Is CVB Financial stock a buy right now?

Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 4 of the 6 items with data read as supportive (gekkoindex, fair value, smart money and seasonality), 1 as mixed (trend) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.

How this page works

During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →

Built and overseen by Jared Mann

Founder of Gekko.app. Jared has traded stocks and ETFs for more than 20 years and has a financial industry background.

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