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Side-by-side financial comparison of CVB FINANCIAL CORP (CVBF) and OPAL Fuels Inc. (OPAL). Click either name above to swap in a different company.

CVB FINANCIAL CORP is the larger business by last-quarter revenue ($133.8M vs $88.4M, roughly 1.5× OPAL Fuels Inc.). On growth, OPAL Fuels Inc. posted the faster year-over-year revenue change (18.7% vs 8.4%). CVB FINANCIAL CORP produced more free cash flow last quarter ($217.3M vs $-13.4M). Over the past eight quarters, OPAL Fuels Inc.'s revenue compounded faster (17.6% CAGR vs 2.8%).

CVB Financial Corp is a U.S. bank holding company operating Citizens Business Bank, serving mainly California markets. It offers commercial banking, personal banking and wealth management solutions for small to medium enterprises, professional firms and individual consumers, with core services including loans, deposit accounts and asset management.

OPAL Fuels Inc. is a North American energy company focused on producing and distributing low-carbon renewable natural gas (RNG). It captures methane from landfills, dairy operations and other organic waste streams to produce RNG, which is mainly supplied to heavy-duty transportation fleets, commercial logistics operators and public transport entities to help reduce their greenhouse gas emissions.

CVBF vs OPAL — Head-to-Head

Bigger by revenue
CVBF
CVBF
1.5× larger
CVBF
$133.8M
$88.4M
OPAL
Growing faster (revenue YoY)
OPAL
OPAL
+10.4% gap
OPAL
18.7%
8.4%
CVBF
More free cash flow
CVBF
CVBF
$230.7M more FCF
CVBF
$217.3M
$-13.4M
OPAL
Faster 2-yr revenue CAGR
OPAL
OPAL
Annualised
OPAL
17.6%
2.8%
CVBF

Income Statement — Q4 FY2025 vs Q4 FY2025

Metric
CVBF
CVBF
OPAL
OPAL
Revenue
$133.8M
$88.4M
Net Profit
$16.2M
Gross Margin
Operating Margin
55.6%
7.5%
Net Margin
18.3%
Revenue YoY
8.4%
18.7%
Net Profit YoY
401.5%
EPS (diluted)
$0.41
$0.08

Green = leading value per metric. Periods may differ when fiscal calendars don't align.

8-Quarter Revenue & Profit Trend

Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.

Revenue
CVBF
CVBF
OPAL
OPAL
Q4 25
$133.8M
$88.4M
Q3 25
$128.6M
$77.9M
Q2 25
$126.4M
$77.4M
Q1 25
$126.7M
$83.0M
Q4 24
$123.5M
$74.5M
Q3 24
$126.5M
$82.6M
Q2 24
$125.3M
$69.8M
Q1 24
$126.6M
$64.0M
Net Profit
CVBF
CVBF
OPAL
OPAL
Q4 25
$16.2M
Q3 25
$52.6M
$11.4M
Q2 25
$50.6M
$7.6M
Q1 25
$51.1M
$1.3M
Q4 24
$-5.4M
Q3 24
$51.2M
$17.1M
Q2 24
$50.0M
$1.9M
Q1 24
$48.6M
$677.0K
Operating Margin
CVBF
CVBF
OPAL
OPAL
Q4 25
55.6%
7.5%
Q3 25
53.7%
4.6%
Q2 25
54.4%
-1.1%
Q1 25
54.9%
-2.3%
Q4 24
55.1%
-0.5%
Q3 24
53.5%
14.9%
Q2 24
54.9%
8.1%
Q1 24
52.8%
5.6%
Net Margin
CVBF
CVBF
OPAL
OPAL
Q4 25
18.3%
Q3 25
40.9%
14.6%
Q2 25
40.0%
9.8%
Q1 25
40.3%
1.5%
Q4 24
-7.2%
Q3 24
40.5%
20.7%
Q2 24
39.9%
2.7%
Q1 24
38.4%
1.1%
EPS (diluted)
CVBF
CVBF
OPAL
OPAL
Q4 25
$0.41
$0.08
Q3 25
$0.38
$0.05
Q2 25
$0.37
$0.03
Q1 25
$0.36
$-0.01
Q4 24
$0.36
$-0.05
Q3 24
$0.37
$0.09
Q2 24
$0.36
$-0.01
Q1 24
$0.35
$-0.01

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
CVBF
CVBF
OPAL
OPAL
Cash + ST InvestmentsLiquidity on hand
$376.4M
$24.4M
Total DebtLower is stronger
$361.3M
Stockholders' EquityBook value
$2.3B
$-12.9M
Total Assets
$15.6B
$959.5M
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
CVBF
CVBF
OPAL
OPAL
Q4 25
$376.4M
$24.4M
Q3 25
$783.9M
$29.9M
Q2 25
$738.6M
$29.3M
Q1 25
$529.1M
$40.1M
Q4 24
$204.7M
$24.3M
Q3 24
$453.5M
$31.0M
Q2 24
$844.2M
$27.6M
Q1 24
$949.6M
$34.2M
Total Debt
CVBF
CVBF
OPAL
OPAL
Q4 25
$361.3M
Q3 25
$351.2M
Q2 25
$331.6M
Q1 25
$307.0M
Q4 24
$307.5M
Q3 24
$252.9M
Q2 24
$233.3M
Q1 24
$208.7M
Stockholders' Equity
CVBF
CVBF
OPAL
OPAL
Q4 25
$2.3B
$-12.9M
Q3 25
$2.3B
$7.5M
Q2 25
$2.2B
$-25.0M
Q1 25
$2.2B
$57.1M
Q4 24
$2.2B
$-148.4M
Q3 24
$2.2B
$-180.1M
Q2 24
$2.1B
$-273.0M
Q1 24
$2.1B
$-382.4M
Total Assets
CVBF
CVBF
OPAL
OPAL
Q4 25
$15.6B
$959.5M
Q3 25
$15.7B
$916.7M
Q2 25
$15.4B
$905.5M
Q1 25
$15.3B
$884.9M
Q4 24
$15.2B
$881.1M
Q3 24
$15.4B
$831.1M
Q2 24
$16.2B
$782.3M
Q1 24
$16.5B
$750.5M
Debt / Equity
CVBF
CVBF
OPAL
OPAL
Q4 25
Q3 25
46.95×
Q2 25
Q1 25
5.38×
Q4 24
Q3 24
Q2 24
Q1 24

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
CVBF
CVBF
OPAL
OPAL
Operating Cash FlowLast quarter
$221.4M
$-3.5M
Free Cash FlowOCF − Capex
$217.3M
$-13.4M
FCF MarginFCF / Revenue
162.4%
-15.1%
Capex IntensityCapex / Revenue
3.0%
11.1%
Cash ConversionOCF / Net Profit
-0.22×
TTM Free Cash FlowTrailing 4 quarters
$391.5M
$-34.2M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
CVBF
CVBF
OPAL
OPAL
Q4 25
$221.4M
$-3.5M
Q3 25
$81.5M
$18.2M
Q2 25
$53.1M
$-7.9M
Q1 25
$41.9M
$29.7M
Q4 24
$249.8M
$-532.0K
Q3 24
$71.4M
$17.7M
Q2 24
$26.1M
$533.0K
Q1 24
$77.5M
$13.7M
Free Cash Flow
CVBF
CVBF
OPAL
OPAL
Q4 25
$217.3M
$-13.4M
Q3 25
$80.7M
$-9.3M
Q2 25
$52.3M
$-29.7M
Q1 25
$41.2M
$18.1M
Q4 24
$244.6M
$-55.0M
Q3 24
$70.2M
$-5.4M
Q2 24
$24.4M
$-22.5M
Q1 24
$77.3M
$-13.0M
FCF Margin
CVBF
CVBF
OPAL
OPAL
Q4 25
162.4%
-15.1%
Q3 25
62.8%
-11.9%
Q2 25
41.4%
-38.4%
Q1 25
32.5%
21.8%
Q4 24
198.0%
-73.8%
Q3 24
55.5%
-6.5%
Q2 24
19.5%
-32.2%
Q1 24
61.1%
-20.4%
Capex Intensity
CVBF
CVBF
OPAL
OPAL
Q4 25
3.0%
11.1%
Q3 25
0.7%
35.3%
Q2 25
0.7%
28.2%
Q1 25
0.5%
13.9%
Q4 24
4.2%
73.1%
Q3 24
1.0%
27.9%
Q2 24
1.4%
32.9%
Q1 24
0.1%
41.8%
Cash Conversion
CVBF
CVBF
OPAL
OPAL
Q4 25
-0.22×
Q3 25
1.55×
1.60×
Q2 25
1.05×
-1.04×
Q1 25
0.82×
23.11×
Q4 24
Q3 24
1.39×
1.03×
Q2 24
0.52×
0.28×
Q1 24
1.59×
20.26×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

Revenue Breakdown by Segment

CVBF
CVBF

Segment breakdown not available.

OPAL
OPAL

Fuel Station Services Segment$65.1M74%
Related Party$12.1M14%
Renewable Power Segment$8.6M10%
Other$2.6M3%

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