CVB Financial Corporation (CVBF) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of CVB Financial Corporation $12.33, price $22.01, upside -44.0%, quality 62 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch CVB Financial Corporation for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $9.42 – $24.63 · fair‑value band $10.32 – $17.19 · the $22.01 price screens above the $12.33 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
Follow CVB Financial in your weekly email
Every Wednesday you see whether CVB Financial is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
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.
Show more
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, home mortgages, and home equity loans; and equipment and vehicle leasing services. In addition, the company offers various specialized services, such as treasury management systems for monitoring and managing cash flow, a merchant card processing program, armored pick-up and delivery, payroll services, remote deposit capture, electronic funds transfers, wires and automated clearinghouse, and online account access; and foreign exchange and letters of credit services. Further, it provides financial and trust services, such as fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. CVB Financial Corp. was founded in 1974 and is headquartered in Ontario, California.
Stock analysis
CVB Financial Corporation (CVBF) currently trades at $22.01, while our model-based Fair Value estimate is $12.33, implying the stock looks roughly 78.5% overvalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of $15.42 per share, and 0 of the 6 models we run sit above the $22.01 price.
Bear case: the Dividend Discount group reads lowest at $8.55, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $10.32 (bear) to $17.19 (bull), the price of $22.01 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 62/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
CVB Financial Corporation reported revenue of $643M in FY2025 versus $468M in FY2021, a compound +8.3%/yr. Reported net income was $209M in FY2025, compounding −0.4%/yr from FY2021.
Key figures
Market cap $4.0B · P/E ratio 14.4 · P/S ratio 4.68 · EPS (TTM) $1.53 · Dividend yield 3.6% · Net margin 32.5% · Return on equity 9.2% · Return on assets (EBIT) 1.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 26% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −44%, CVBF screens richer than that median.
Fair Value models
Bear $10.32Fair Value $12.33Bull $17.19
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.5340 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.70/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−2.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.1%
Start year 2020 (pandemic). Over 10 years: +8.1% a year
Revenue growth 36 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.3%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+4.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+0.7%
Dividend (yield on the price)3.6%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.1% vs 5%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.52% → 44%
Start year 2020 (pandemic)
Growth Forecast
Little optimism in the price
The price assumes about as much growth as the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+7.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+11.4%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +5.0% a year for the price and +8.8% for the forecasts.
News mood ⓘNews mood, the average tone of recent news (82 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
Compare CVB Financial Corporation with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1074 stocks
Beats the industry median on 6/15 measures
A mixed picture versus its industry peers.
Valuation
Quality Score60 · Top 25%
Fair Value upside−44% · Bottom 25%
Profitability
Return on equity (TTM)9% · Below median
Return on assets1% · Top 25%
Net margin (TTM)40% · Top 25%
Operating margin (TTM)55% · Top 25%
Growth and dividend
Revenue growth0% · Below median
Dividend yield (TTM)3.6% · Above median
Balance sheet
Debt / equity0.43× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)14.4× · Pricier than median
P/B1.74× · Priciest 25%
P/S (TTM)7.67× · Priciest 25%
P/FCF18.3× · Priciest 25%
EV/EBITDA17.3× · Priciest 25%
PEG1.47× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 11
FUTURE (revenue growth)2· sector 45
PAST (return on equity)37· sector 41
HEALTH (low debt)78· sector 85
DIVIDEND (yield)73· sector 53
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is CVB Financial Corporation (CVBF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $12.33 versus a price of $22.01, about −44% upside (overvalued).
What is the fair value of CVBF?
Our model-based fair value for CVB Financial Corporation is $12.33 (as of Sep 24, 2026), built from audited fundamentals. The current price: $22.01.
What is the quality score of CVBF?
CVB Financial Corporation has a Quality Score of 62/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for CVB Financial Corporation (CVBF)?
Our model-based price target is the fair value of $12.33 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $10.32, optimistic scenario $17.19. It is a calculation from audited fundamentals, not an analyst target.
What is the CVB Financial Corporation stock forecast for 2026?
Our models put fair value at $12.33, about −44% upside versus a price of $22.01 (overvalued). Cautious scenario $10.32, optimistic scenario $17.19. The calculation is refreshed regularly with new filings.
What is the revenue of CVB Financial Corporation (CVBF)?
CVB Financial Corporation reported trailing-twelve-month revenue of about $519M (latest available figure, as of Sep 24, 2026).
Does CVB Financial Corporation pay a dividend?
CVB Financial Corporation currently shows a dividend yield of about 3.63% relative to its recent price (as of Sep 24, 2026).
What growth is priced into CVB Financial Corporation (CVBF)?
For today's price to be fair in a discounted-cash-flow model, CVB Financial Corporation would have to grow free cash flow by +7.5 % per year for five years (discount rate 8.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +6.1 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of CVBF use?
Our models discount CVB Financial Corporation at 8.9 %: a base by market capitalisation (mid), damped by beta 0.65, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For CVB Financial Corporation that is +7.5 % per year a year over ten years, using the same discount rate (8.9 %) and the same formula as our fair value.
How much growth has CVB Financial Corporation (CVBF) delivered so far?
Over the past 5 years revenue at CVB Financial Corporation grew +6.1 % a year. The price currently implies +7.5 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of CVB Financial Corporation (CVBF) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into CVB Financial Corporation (+7.5 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of CVB Financial Corporation (CVBF)?
The free-cash-flow yield on the price is 7.27 %: that much free cash flow CVB Financial Corporation produces per unit of market value. When it exceeds the discount rate of our models (8.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of CVB Financial Corporation (CVBF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For CVB Financial Corporation it is $12.33 per share (as of Sep 24, 2026), against a price of $22.01. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is CVB Financial Corporation stock overvalued or undervalued in 2026?
As of Sep 24, 2026, CVBF trades above its calculated fair value: price $22.01, fair value $12.33, a gap of about −44% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CVBF?
No. The price is what the market pays today ($22.01); the fair value is what the company's own numbers justify ($12.33). For CVB Financial Corporation the two are $9.68 per share apart. That gap is exactly why we show both numbers side by side.
How much is CVB Financial Corporation worth?
The market values CVB Financial Corporation at about $4.0B (market capitalisation, as of Sep 24, 2026). Per share that is $22.01; our models calculate a fair value of $12.33 per share.
What do the bullish and bearish scenarios say about CVBF?
Our models span a range for CVB Financial Corporation: cautious scenario $10.32, base $12.33, optimistic $17.19 per share (as of Sep 24, 2026, price $22.01). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CVBF?
CVB Financial Corporation trades at a price-to-earnings ratio of 14.4 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $12.33 is built from several models across several years. Other multiples: PEG 1.5, P/B 1.7, P/S 7.7, EV/EBITDA 17.3.
What is the PEG ratio of CVBF?
The PEG ratio of CVB Financial Corporation is 1.47 (P/E divided by earnings growth, as of Sep 24, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of CVB Financial Corporation (CVBF)?
Balance-sheet figures for CVB Financial Corporation (as of Sep 24, 2026): return on equity 9.2%, debt of 0.43 per unit of equity. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is CVBF from its 52-week high?
CVB Financial Corporation trades at $22.01, about 6% below its 52-week high of $23.30 and 26% above the low of $17.52 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $12.33 is for.
Which stocks are comparable to CVB Financial Corporation?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is CVB Financial Corporation stock attractive at the current price?
The data as of Sep 24, 2026: price $22.01, calculated fair value $12.33 (−44%), Quality Score 62/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CVBF calculated?
We run CVB Financial Corporation through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $12.33, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. CVB Financial Corporation itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of CVB Financial Corporation (CVBF)?
The closing price on Sep 23, 2026 was $22.01. Our model-based fair value is $12.33, about −44% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with CVB Financial Corporation right now?
The price sits above even our optimistic bull case ($17.19). The favourable scenario is already priced in. Solid but not exceptional quality (62/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of CVB Financial Corporation (CVBF) come from?
Earnings per share at CVB Financial Corporation grew +5.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.2 %, EBIT margin −2.2 %, tax rate +1.4 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of CVB Financial Corporation
How large is the market capitalisation of CVB Financial Corporation (CVBF)?
The market capitalisation of CVB Financial Corporation is $4.0B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of CVB Financial Corporation (CVBF)?
The price-to-sales ratio of CVB Financial Corporation is 4.68 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of CVB Financial Corporation (CVBF)?
Earnings per share at CVB Financial Corporation are $1.53 (price ÷ EPS = P/E 14.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of CVB Financial Corporation (CVBF)?
The dividend yield of CVB Financial Corporation is 3.6% (payout 52.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of CVB Financial Corporation (CVBF)?
The net margin of CVB Financial Corporation is 32.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of CVB Financial Corporation (CVBF)?
The return on equity (ROE) of CVB Financial Corporation is 9.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of CVB Financial Corporation (CVBF)?
On an EBIT basis the return on assets of CVB Financial Corporation is 1.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of CVB Financial Corporation (CVBF)?
The operating margin of CVB Financial Corporation is 54.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at CVB Financial Corporation (CVBF)?
Revenue at CVB Financial Corporation is growing +0.3% versus a year earlier (3y avg +4.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at CVB Financial Corporation (CVBF)?
Earnings per share at CVB Financial Corporation are growing +4.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does CVB Financial Corporation (CVBF) carry?
The net debt of CVB Financial Corporation is $883M (fiscal year 2025, ≈ 4.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch CVB Financial Corporation in the live analysis
One click puts CVB Financial Corporation on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Broad data
Sep 24, 2026