CVB Financial Corporation (CVBF) - Net Assets
Based on the latest financial reports, CVB Financial Corporation (CVBF) has net assets worth $2.30 Billion USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($15.63 Billion) and total liabilities ($13.34 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check how resilient are CVB Financial Corporation's assets to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $2.30 Billion |
| % of Total Assets | 14.68% |
| Annual Growth Rate | 12.55% |
| 5-Year Change | 10.27% |
| 10-Year Change | 131.64% |
| Growth Volatility | 84.39 |
CVB Financial Corporation - Net Assets Trend (1989–2025)
This chart illustrates how CVB Financial Corporation's net assets have evolved over time, based on quarterly financial data. Also explore CVBF asset base for the complete picture of this company's asset base.
Annual Net Assets for CVB Financial Corporation (1989–2025)
The table below shows the annual net assets of CVB Financial Corporation from 1989 to 2025. For live valuation and market cap data, see how much is CVB Financial Corporation worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $2.30 Billion | +4.98% |
| 2024-12-31 | $2.19 Billion | +5.21% |
| 2023-12-31 | $2.08 Billion | +6.64% |
| 2022-12-31 | $1.95 Billion | -6.39% |
| 2021-12-31 | $2.08 Billion | +3.66% |
| 2020-12-31 | $2.01 Billion | -82.16% |
| 2019-12-31 | $11.26 Billion | +508.08% |
| 2018-12-31 | $1.85 Billion | +73.13% |
| 2017-12-31 | $1.07 Billion | +7.91% |
| 2016-12-31 | $990.86 Million | +7.31% |
| 2015-12-31 | $923.40 Million | +5.16% |
| 2014-12-31 | $878.11 Million | +13.76% |
| 2013-12-31 | $771.89 Million | +1.17% |
| 2012-12-31 | $762.97 Million | +6.74% |
| 2011-12-31 | $714.81 Million | +11.02% |
| 2010-12-31 | $643.86 Million | +0.88% |
| 2009-12-31 | $638.23 Million | +3.80% |
| 2008-12-31 | $614.89 Million | +44.70% |
| 2007-12-31 | $424.95 Million | +9.15% |
| 2006-12-31 | $389.34 Million | +13.55% |
| 2005-12-31 | $342.88 Million | +8.00% |
| 2004-12-31 | $317.48 Million | +10.73% |
| 2003-12-31 | $286.72 Million | +10.35% |
| 2002-12-31 | $259.82 Million | +17.70% |
| 2001-12-31 | $220.75 Million | +17.03% |
| 2000-12-31 | $188.63 Million | +33.97% |
| 1999-12-31 | $140.80 Million | +1.00% |
| 1998-12-31 | $139.40 Million | +36.53% |
| 1997-12-31 | $102.10 Million | +14.59% |
| 1996-12-31 | $89.10 Million | +13.79% |
| 1995-12-31 | $78.30 Million | +26.49% |
| 1994-12-31 | $61.90 Million | +3.17% |
| 1993-12-31 | $60.00 Million | +15.38% |
| 1992-12-31 | $52.00 Million | +17.65% |
| 1991-12-31 | $44.20 Million | +15.10% |
| 1990-12-31 | $38.40 Million | +18.15% |
| 1989-12-31 | $32.50 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to CVB Financial Corporation's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 4752.7% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $1.30 Billion | 56.66% |
| Common Stock | $1.22 Billion | 53.26% |
| Other Comprehensive Income | $-227.65 Million | -9.92% |
| Total Equity | $2.30 Billion | 100.00% |
CVB Financial Corporation Competitors by Market Cap
The table below lists competitors of CVB Financial Corporation ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Netmarble Games Corp
KO:251270
|
$2.76 Billion |
|
Top Choice Medical Investment Co Inc
SHG:600763
|
$2.76 Billion |
|
Beijing Ctrowell Technology Corp Ltd
SHE:300455
|
$2.76 Billion |
|
Eurazeo
PA:RF
|
$2.76 Billion |
|
Jack Sewing
SHG:603337
|
$2.76 Billion |
|
Perusahaan Gas Negara Persero
JK:PGAS
|
$2.76 Billion |
|
China Longyuan Power Group Corporation Limited
F:6WX
|
$2.75 Billion |
|
Haemonetics Corporation
NYSE:HAE
|
$2.75 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in CVB Financial Corporation's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 2,186,316,000 to 2,295,224,000, a change of 108,908,000 (5.0%).
- Net income of 209,298,000 contributed positively to equity growth.
- Dividend payments of 110,991,000 reduced retained earnings.
- Share repurchases of 81,116,000 reduced equity.
- Other comprehensive income increased equity by 84,410,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $209.30 Million | +9.12% |
| Dividends Paid | $110.99 Million | -4.84% |
| Share Repurchases | $81.12 Million | -3.53% |
| Other Comprehensive Income | $84.41 Million | +3.68% |
| Other Changes | $7.31 Million | +0.32% |
| Total Change | $- | 4.98% |
Book Value vs Market Value Analysis
This analysis compares CVB Financial Corporation's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.21x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 37.98x to 1.21x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1989-12-31 | $0.54 | $20.45 | x |
| 1990-12-31 | $0.63 | $20.45 | x |
| 1991-12-31 | $0.76 | $20.45 | x |
| 1992-12-31 | $0.87 | $20.45 | x |
| 1993-12-31 | $0.87 | $20.45 | x |
| 1994-12-31 | $0.83 | $20.45 | x |
| 1995-12-31 | $1.12 | $20.45 | x |
| 1996-12-31 | $1.17 | $20.45 | x |
| 1997-12-31 | $1.17 | $20.45 | x |
| 1998-12-31 | $1.69 | $20.45 | x |
| 1999-12-31 | $1.70 | $20.45 | x |
| 2000-12-31 | $2.26 | $20.45 | x |
| 2001-12-31 | $2.63 | $20.45 | x |
| 2002-12-31 | $3.07 | $20.45 | x |
| 2003-12-31 | $3.41 | $20.45 | x |
| 2004-12-31 | $3.77 | $20.45 | x |
| 2005-12-31 | $4.03 | $20.45 | x |
| 2006-12-31 | $4.49 | $20.45 | x |
| 2007-12-31 | $5.05 | $20.45 | x |
| 2008-12-31 | $7.38 | $20.45 | x |
| 2009-12-31 | $6.86 | $20.45 | x |
| 2010-12-31 | $6.07 | $20.45 | x |
| 2011-12-31 | $6.79 | $20.45 | x |
| 2012-12-31 | $7.29 | $20.45 | x |
| 2013-12-31 | $7.34 | $20.45 | x |
| 2014-12-31 | $8.30 | $20.45 | x |
| 2015-12-31 | $8.70 | $20.45 | x |
| 2016-12-31 | $9.20 | $20.45 | x |
| 2017-12-31 | $9.74 | $20.45 | x |
| 2018-12-31 | $15.18 | $20.45 | x |
| 2019-12-31 | $80.44 | $20.45 | x |
| 2020-12-31 | $14.74 | $20.45 | x |
| 2021-12-31 | $15.38 | $20.45 | x |
| 2022-12-31 | $13.92 | $20.45 | x |
| 2023-12-31 | $15.01 | $20.45 | x |
| 2024-12-31 | $15.78 | $20.45 | x |
| 2025-12-31 | $16.89 | $20.45 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently CVB Financial Corporation utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.12%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 32.53%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 6.81x
- Recent ROE (9.12%) is below the historical average (14.17%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1989 | 24.00% | 15.12% | 0.11x | 14.54x | $4.55 Million |
| 1990 | 22.92% | 14.94% | 0.11x | 13.34x | $4.96 Million |
| 1991 | 18.10% | 14.31% | 0.10x | 12.68x | $3.58 Million |
| 1992 | 17.31% | 17.27% | 0.09x | 11.39x | $3.80 Million |
| 1993 | 15.83% | 16.81% | 0.08x | 11.46x | $3.50 Million |
| 1994 | 16.80% | 20.63% | 0.06x | 13.51x | $4.21 Million |
| 1995 | 14.69% | 15.58% | 0.08x | 11.97x | $3.67 Million |
| 1996 | 14.93% | 14.91% | 0.08x | 13.02x | $4.39 Million |
| 1997 | 20.18% | 17.31% | 0.09x | 12.33x | $10.39 Million |
| 1998 | 17.29% | 18.01% | 0.07x | 13.21x | $10.16 Million |
| 1999 | 18.47% | 17.67% | 0.07x | 14.28x | $11.92 Million |
| 2000 | 18.39% | 20.41% | 0.07x | 12.24x | $15.82 Million |
| 2001 | 18.15% | 22.50% | 0.07x | 11.39x | $17.98 Million |
| 2002 | 19.15% | 27.13% | 0.06x | 12.02x | $23.76 Million |
| 2003 | 18.43% | 26.91% | 0.05x | 13.44x | $24.16 Million |
| 2004 | 19.37% | 26.51% | 0.05x | 14.21x | $29.74 Million |
| 2005 | 20.60% | 25.52% | 0.05x | 15.82x | $36.33 Million |
| 2006 | 18.47% | 20.55% | 0.06x | 15.65x | $32.97 Million |
| 2007 | 14.26% | 16.26% | 0.06x | 14.81x | $18.09 Million |
| 2008 | 10.26% | 17.19% | 0.06x | 10.81x | $1.58 Million |
| 2009 | 10.25% | 17.63% | 0.06x | 10.56x | $1.60 Million |
| 2010 | 9.77% | 17.15% | 0.06x | 10.00x | $-1.45 Million |
| 2011 | 11.43% | 27.50% | 0.05x | 9.07x | $10.25 Million |
| 2012 | 10.13% | 28.00% | 0.04x | 8.34x | $983.00K |
| 2013 | 12.39% | 37.17% | 0.04x | 8.63x | $18.42 Million |
| 2014 | 11.85% | 35.95% | 0.04x | 8.40x | $16.21 Million |
| 2015 | 10.74% | 33.61% | 0.04x | 8.31x | $6.81 Million |
| 2016 | 10.24% | 33.74% | 0.04x | 8.15x | $2.34 Million |
| 2017 | 9.76% | 32.04% | 0.04x | 7.73x | $-2.52 Million |
| 2018 | 8.21% | 37.50% | 0.04x | 6.23x | $-33.12 Million |
| 2019 | 1.85% | 41.04% | 0.04x | 1.00x | $-917.84 Million |
| 2020 | 8.82% | 37.02% | 0.03x | 7.18x | $-23.64 Million |
| 2021 | 10.21% | 45.43% | 0.03x | 7.63x | $4.37 Million |
| 2022 | 12.08% | 41.90% | 0.03x | 8.46x | $40.57 Million |
| 2023 | 10.66% | 33.27% | 0.04x | 7.71x | $13.64 Million |
| 2024 | 9.18% | 30.47% | 0.04x | 6.93x | $-17.92 Million |
| 2025 | 9.12% | 32.53% | 0.04x | 6.81x | $-20.22 Million |
Industry Comparison
This section compares CVB Financial Corporation's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| CVB Financial Corporation (CVBF) | $2.30 Billion | 24.00% | 5.81x | $2.76 Billion |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About CVB Financial Corporation
CVB Financial Corp. operates as bank holding company for Citizens Business Bank, National Association, a state-chartered bank that provides banking and financial services to small to mid-sized businesses and individuals. The company offers checking, savings, money market, and certificates of time deposit products for business and personal accounts, municipalities and districts, and specialized de… Read more