CVB FINANCIAL CORP: insider trades · United States · SEC (Form 4)

About CVB FINANCIAL CORP

CVB Financial Corp. (NASDAQ: CVBF) is a U.S. bank holding company headquartered in Ontario, California, United States, at 701 N Haven Avenue, Suite 350. Its principal subsidiary is Citizens Business Bank, a relationship-driven commercial bank founded in 1974 as Chino Valley Bank by George A. Borba Sr. and other local business leaders. The institution was created to serve entrepreneurs and small business owners in Southern California, and that community-oriented heritage still shapes the franchise today. For investors, CVBF is best viewed as a California-focused regional banking platform with a long operating history, conservative lending culture, and an emphasis on recurring, relationship-based fee and spread income rather than high-risk growth. The company’s core activities are centered on commercial banking services for small and mid-sized businesses, professionals, and select retail clients. Its product set includes commercial and industrial lending, commercial real estate loans, SBA lending, treasury and cash-management services, deposits, and related banking solutions. CVB Financial also operates CitizensTrust, which provides trust, investment, brokerage, estate planning, and business succession planning services. This broader platform gives the group additional cross-sell potential and helps diversify revenue beyond traditional net interest income. Competitive positioning is supported by a strong local brand, dense branch coverage, and a reputation for disciplined underwriting and consistent profitability. Geographically, the franchise remains concentrated in California, where it operates more than 75 banking centers and several trust offices. That footprint gives CVBF meaningful market relevance in key business corridors across the state while keeping its operating model focused and relatively easy to understand. The company has historically highlighted its standing among the largest bank holding companies headquartered in California and its recognition as one of the nation’s top-performing banks, which is important context for investors evaluating quality versus growth. Recent reporting underscores a solid financial profile. In its fourth-quarter and full-year 2025 release, CVB Financial reported total assets of $15.63 billion at December 31, 2025, alongside loan growth, a strong capital base, and regulatory capital ratios comfortably above minimum requirements. Management also noted continued profitability and cash dividend discipline. The most significant recent strategic development was the completion of the merger with Heritage Commerce Corp on April 17, 2026. The company said the transaction is its largest acquisition by asset size to date and is expected to expand scale, increase total assets, and strengthen its position in California, including the Bay Area. For French-speaking investors, CVBF offers a classic regional bank profile: NASDAQ-listed in the United States, conservatively managed, California-centric, and now in a phase of measured consolidation through acquisition.