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CVB Financial Corp (CVBF) Fair Value & Analysis

Financial Services · US · Market cap $3.6B

Price$22.05
Fair Value$15.42
Upside-30.1%
Quality95/100
Evidence: High Range $11.56 – $19.27

Fair value as of: Jun 25, 2026

Analysis

CVB Financial Corp (CVBF) currently trades at $22.05, while our model-based Fair Value estimate is $15.42 — implying the stock looks roughly 30.1% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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 deposit products for title and escrow; and serves as a federal tax depository for business customers. It also provides commercial lending products comprising lines of credit and other working capital financing, accounts receivable lending, and letters of credit; agriculture loans to finance the operating needs of wholesale dairy farm operations, cattle feeders, livestock raisers, and farmers; lease financing services for municipal governments; commercial real estate and construction loans; consumer financing products, including automobile leasing and financing, lines of credit, credit cards, h…

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Frequently asked questions

Is CVB Financial Corp (CVBF) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $15.42 versus a price of $22.05 — about −30% (overvalued). Model-based estimate, not financial advice.
What is the fair value of CVBF?
Our 21-model fair value for CVB Financial Corp is $15.42 (as of Jun 25, 2026), built from audited fundamentals. The current price is $22.05.
What is the quality score of CVBF?
CVB Financial Corp has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.