CVBF at a glance
CVB FINANCIAL CORP (CVBF, SEC CIK 354647) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on July 23, 2026 and Form 4 insider filings as recently as August 31, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), CVB FINANCIAL CORP (CVBF) reported revenue of $593.3 million (down 5.8% from FY2024) and net income of $209.3 million. Diluted EPS was $1.52.
- As of June 30, 2026, 31 institutional investment managers tracked by SignalX reported holding CVB FINANCIAL CORP (CVBF) shares worth $2.1 billion in 13F-HR filings.
- The most recent insider open-market purchase reported on Form 4 was by Maddox Mike on August 31, 2026 of 10,000 shares at $22.03 per share.
- In the last 90 days, CVBF insiders reported 2 open-market purchases ($676K) and 1 open-market sale ($918K) on Form 4, a net sale of $242K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $593.3M
- −5.8% vs prior year
- Insiders · 90 days
- 2 buys · 1 sell
- Net −$242K
- 13F holders
- 31 funds
- $2.1B · −1 vs prior quarter
- Latest 8-K
- Jul 23, 2026
- Item 5.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Regional bank holding company providing diversified lending and deposit services primarily to commercial, real estate, agribusiness, and consumer clients
- Emphasis on comprehensive risk management including credit, operational, compliance, strategic, reputation, cybersecurity, liquidity, and market risks with Board-level oversight
- Increased liquidity with cash and cash equivalents rising 83.88% to $376.4 million at year-end 2025, supported by $4.1 billion secured Federal Home Loan Bank borrowings
- Deposits and customer repurchase agreements grew 2.89% to $12.56 billion, with 42% uninsured and non-collateralized balances, reflecting client deposit profiles
- Noteworthy focus on detailed interest rate risk management using sophisticated simulation models assessing net interest income and economic value of equity under various rate scenarios
Risk Factors
- Regulatory risk from potential increased capital requirements due to heightened federal scrutiny on commercial real estate lending portfolios
- Macroeconomic exposure to California real estate downturn with $6.57B commercial loans concentrated in that market
- Operational vulnerability from dependency on specialized dairy & livestock loan staff critical for managing $386.1M in related loans
- Competitive risk from consumer shifts away from traditional bank deposits to higher-yield investments impacting deposit growth and funding costs
- Financial risk from $308M unrealized loss in available-for-sale securities and $345M loss in held-to-maturity securities due to elevated interest rates
Management Discussion & Analysis
- Total assets $15.63B, up 3.15% YoY; interest-earning assets $13.99B, up 3.42% YoY; total loans $8.70B, up 1.91% YoY
- Operating margin (efficiency ratio) improved to 46.03% in 2025 from 46.55% in 2024; noninterest expense increased 1.58% YoY to $237.3M
- Best segment: Trust and Investment Services fees $15.0M, up 9.5% YoY; Worst segment: BOLI income down 7.67% to $11.5M
- Capital allocation included $110.3M dividends paid, $81.1M stock repurchases (4.3M shares at $18.60 avg) in 2025; investment securities increased $31.7M to $4.95B
- Management cites risks from Federal Reserve rate changes, geopolitical events, inflation, and global trade impacting credit losses and economic outlook
AI summary of the CVBF 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Risk Factors
- No risk-factors section provided; changes from the most recent 10-K cannot be assessed
- New 2026 Repurchase Program: authorization for 15,000,000 shares through June 15, 2031
- Capital-allocation risk: 241,034 shares repurchased for $5.1 million during the second quarter
- Merger-integration risk: Heritage Commerce merger agreement dated December 17, 2025
- Executive-retention risk: amended employment agreements effective April 17, 2026
AI summary of the CVBF 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item EX-99.1: Item EX-99.1
- Michael J. Maddox appointed CVBF and Citizens Business Bank director
- Board membership increased from 10 to 11 at both entities
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Michael J. Maddox appointed Company and Bank director effective July 22, 2026
- Board sizes expanded from 10 to 11 directors, supporting broader skills, geographic representation and diversity
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 results covered quarter ended June 30, 2026
- Earnings press release issued July 22, 2026
Item 7.01: Regulation FD Disclosure
- Investor presentation updated with second-quarter 2026 financial information
- CEO, President and CFO scheduled for institutional investor meetings throughout third quarter 2026
Item EX-99.1: Item EX-99.1
- Q2 net earnings $48.3M, or $0.29 diluted EPS, down from $0.38 in Q1 and $0.37 year over year
- Heritage acquisition added $5.68B of assets, lifting total assets to $21.18B and loans 39.0% quarter over quarter
Item EX-99.1: Item EX-99.1
- Board authorized repurchases of up to 15,000,000 CVBF shares
- Program permits open-market, private transactions, and Rule 10b5-1 plans
Item 8.01: Other Events
- New authorization to repurchase up to 15,000,000 common shares over five years
- Replacement of prior 2024 program, which had 5,678,223 shares remaining
AI summaries of CVBF 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for CVBF
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Maddox Mike | Buy | Aug 31, 2026 | 10,000 | $22.03 |
| Maddox Mike | A | Aug 23, 2026 | 3,138 | $22.57 |
| Harvey David C | Sell | Aug 5, 2026 | 40,000 | $22.94 |
| O Brien Raymond V III | Buy | Jul 28, 2026 | 20,000 | $22.77 |
| WOHL RICHARD H | F | Jun 5, 2026 | 8,944 | $20.50 |
| Del Guercio Stephen A | A | May 20, 2026 | 4,187 | - |
| Oswalt Hal W | A | May 20, 2026 | 4,187 | - |
| Borba George A Jr | A | May 20, 2026 | 4,187 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | - | $630.1M | $593.3M |
| Operating Income | - | $314.0M | $314.0M |
| Net Income | $221.4M | $200.7M | $209.3M |
| Op. Margin | - | 49.8% | 52.9% |
| Net Margin | - | 31.9% | 35.3% |
| Balance Sheet | |||
| Total Assets | $16.0B | $15.2B | $15.6B |
| Equity | - | $2.2B | $2.3B |
| ROE | - | 9.2% | 9.1% |
| Per Share | |||
| EPS | $1.59 | $1.44 | $1.52 |
| Cash Flow | |||
| Operating CF | $295.6M | $249.8M | $221.4M |
| CapEx | - | $5.1M | $4.1M |
Source: XBRL data in CVB FINANCIAL CORP (CVBF)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate CVBF share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 31 | $2.05B |
| Q1 2026 | 32 | $1.34B |
| Q4 2025 | 28 | $1.23B |
| Q3 2025 | 28 | $1.22B |
| Q2 2025 | 28 | $1.21B |
| Q1 2025 | 25 | $734.9M |
| Q4 2024 | 21 | $758.4M |
| Q3 2024 | 19 | $342.8M |
- BlackRock+6.66M (+35%)
- State Street Corp+2.55M (+32%)
- Dimensional Fund Advisors+2.44M (+32%)
- FMR LLC (Fidelity)+2.39M (+32%)
- Vanguard Portfolio Management LLC+2.26M (+29%)
- Two Sigma Investments−702.6K (-80%)
- Bridgewater Associates LP−97.2K (-88%)
- AlTi Global, Inc.+89.2K
- Mangrove Partners−44.2K
- Millennium Management−25.5K
Source: 13F-HR filings on SEC EDGAR (aggregated from 212 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
CVBF filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Aug 31, 2026 | - | - | - |
| 4 | Aug 25, 2026 | - | - | - |
| 10-Q | Aug 7, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 5, 2026 | - | - | - |
| SC 13G | Jul 31, 2026 | - | - | |
| 4 | Jul 28, 2026 | - | - | - |
| 8-K | Jul 23, 2026 | - | Analysis | - |
| 8-K | Jul 23, 2026 | - | Analysis | - |
| 8-K | Jun 15, 2026 | - | Analysis | - |
| 4 | Jun 9, 2026 | - | - | |
| 8-K | Jun 1, 2026 | - | Analysis | |
| 8-K | May 26, 2026 | - | Analysis | |
| 8-K | May 22, 2026 | - | Analysis | |
| 4 | May 20, 2026 | - | - | |
| 4 | May 20, 2026 | - | - | |
| 4 | May 20, 2026 | - | - | |
| 4 | May 20, 2026 | - | - | |
| 4 | May 20, 2026 | - | - | |
| 4 | May 20, 2026 | - | - | |
| 4 | May 20, 2026 | - | - | |
| 4 | May 20, 2026 | - | - | |
| 4 | May 20, 2026 | - | - | |
| 4 | May 15, 2026 | - | - | |
| SC 13G | May 12, 2026 | - | - | |
| 4 | May 12, 2026 | - | - |
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CVBF SEC filings: frequently asked questions
Are CVBF insiders buying or selling?
In the last 90 days, CVB FINANCIAL CORP (CVBF) officers, directors and 10% owners reported 2 open-market purchases worth $675,600 by 2 insiders and 1 open-market sale worth $917,680 by 1 insider on Form 4, a net sale of $242,080. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold CVBF stock?
As of June 30, 2026, the largest CVB FINANCIAL CORP (CVBF) holders among the 13F filers tracked by SignalX were BlackRock ($579.3 million), State Street Corp ($236.9 million), Vanguard Portfolio Management LLC ($229.0 million), Dimensional Fund Advisors ($226.7 million), FMR LLC (Fidelity) ($221.8 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was CVBF's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), CVB FINANCIAL CORP (CVBF) reported revenue of $593.3 million (down 5.8% from FY2024) and net income of $209.3 million. Diluted EPS was $1.52. The figures come from the XBRL data in the 10-K.
What are the main risks in CVBF's latest 10-K?
In the 10-K filed February 27, 2026, CVB FINANCIAL CORP (CVBF) flagged: Regulatory risk from potential increased capital requirements due to heightened federal scrutiny on commercial real estate lending portfolios. Macroeconomic exposure to California real estate downturn with $6.57B commercial loans concentrated in that market. (AI summary of the Risk Factors section.)
What did CVBF report in its latest 8-K?
CVB FINANCIAL CORP (CVBF) filed an 8-K on July 23, 2026 reporting Item 5.02 (Departure/Appointment of Directors or Principal Officers). Michael J. Maddox appointed CVBF and Citizens Business Bank director.
What are the latest CVBF SEC filings?
CVB FINANCIAL CORP (CVBF) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on July 23, 2026 and a Form 4 insider filing on August 31, 2026.
What is CVBF's SEC CIK number?
CVB FINANCIAL CORP (CVBF)'s SEC Central Index Key (CIK) is 354647. EDGAR lists every CVBF filing under that number.
Ask anything about CVBF
The research agent reads CVBF's filings, financials, insider trades and 13F holders, then answers with sources.