CVBF CVB Financial margins

Relative Growth: Rel. Growth: 51

Relative Strength: Rel. Strength: 70

Relative Valuation: Rel. Valuation: 48

Relative Profitability: Rel. Profitability: 75

Gross margin

100%

Operating margin

48.4%

EBITDA margin

50.9%

Net margin

36.1%

Using the latest TTM figures, CVB Financial shows a gross margin of 100%, an operating margin of 48.4%, an EBITDA margin of 50.9%, and a net margin of 36.1%. EBITDA margin led the available margin declines with 7 percentage points, while the other margins were unchanged.

CVBF margin history

Gross, operating, EBITDA and net margin trends

Over the last 3 years, CVB Financial recorded average margins of 100% gross, 54.08% operating, 57.16% EBITDA, and 39.45% net. CVB Financial's current performance shows that operating, EBITDA, and net margins are below their three-year averages.

CVBF margin expansion

Year-over-year margin changes in percentage points

Operating margin contracted by 5.5 percentage points, EBITDA margin by 7 percentage points, and net margin by 4 percentage points, while gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

-5.5pp

EBITDA margin expansion

-7pp

Net margin expansion

-4pp

CVBF Gross margin

Looking at the last 3 years, CVB Financial had an average gross margin of 100%. Against its three-year average, CVB Financial's gross margin is currently 100%, in line with its three-year average. Looking back over the last 3 years, CVB Financial's gross margin reached 100% at its highest point in Jun 2026 and 100% at its lowest in Dec 2023.

CVBF Operating margin

Over the last 3 years, the average operating margin for CVB Financial was 54.08%. Against its three-year average, CVB Financial's operating margin is currently 48.4%, 5.7 percentage points below its three-year average. CVB Financial's operating margin ranged from a low of 48.4% in Jun 2026 to a high of 57.8% in Dec 2023.

CVBF EBITDA margin

CVB Financial's EBITDA margin averaged 57.16% over the last 3 years. Compared with its three-year average, CVB Financial's current EBITDA margin is 50.9% and is 6.3 percentage points below its three-year average. Over the last 3 years, CVB Financial's EBITDA margin peaked at 61.2% in Dec 2023 and reached a low of 50.9% in Jun 2026.

CVBF Net margin

Over the last 3 years, CVB Financial's net margin averaged 39.45%. As of the latest period, CVB Financial's current net margin is 36.1%, which is 3.4 percentage points below its three-year average. During this period, net margin reached a high of 40.6% in Dec 2023 and a low of 36.1% in Jun 2026.

CVBF margin group comparison

Margins compared with peer-group, industry and sector averages

With a gross margin of 100%, CVBF stands above the Financial Services sector and the industry average. In comparison with its Financial Services sector average of 83.7%, CVB Financial's gross margin is 19% higher.

CVBF margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is CVB Financial's gross margin?

The current gross margin for CVBF is 100% as of Jun 30, 2026.

What is CVB Financial's operating margin?

As of Jun 30, 2026, CVBF has an operating margin of 48.4%.

What is CVB Financial's EBITDA margin?

The current EBITDA margin for CVBF is 50.9% as of Jun 30, 2026.

What is CVB Financial's net margin?

For the period ending Jun 30, 2026, CVBF recorded a net margin of 36.1%.

What are the average margins of CVBF?

Looking back over 3 years, CVBF recorded average margins of 100.0% gross, 54.1% operating, 57.2% EBITDA, and 39.5% net.

What are the highest historical margins of CVBF?

Across the 5-year period, CVBF posted its highest margins at 100% gross in Jun 2026, 62% operating in Mar 2023, 64.8% EBITDA in Mar 2023, and 44.4% net in Mar 2023.

What are the lowest historical margins of CVBF?

In the last 5 years, the lowest margins reported by CVBF were 100% gross in Dec 2021, 48.4% operating in Jun 2026, 50.9% EBITDA in Jun 2026, and 36.1% net in Jun 2026.