Valuation dashboard for CVB Financial Corp. (CVBF) with P/E 14.63, P/B 1.29, EV/EBITDA 13.5 and dividend yield 3.46%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
CVB Financial Corp. (CVBF) serves as the parent organization for Citizens Business Bank, a state-chartered financial institution that delivers a broad spectrum of banking and financial services. The bank primarily caters to individuals and small to medium-sized businesses. Its product offerings include a full range of deposit accounts, such as checking, savings, money market accounts, and certificates of deposit (CDs), available for both personal and business clients.
What would it be worth at its usual multiples?
At a P/B Kaplio accepts for its ROTCE 13.7 % (1.3×) $23 (+1 %); at its peers' median (1.2×) $21 (-9 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
Analysis Summary
CVB Financial Corp. reported revenue of $510.3M in the most recent fiscal year, growing at a 5-year CAGR of 1.9%. Net income reached $209.3M, with a 3.4% 5-year CAGR.
Trailing-twelve-month margins: gross margin 81.4%, operating margin 40.3%, net margin 29.8%.
At $23.11 (closing price, November 2, 2026), CVBF trades at a P/E of 14.63 and an ROE of 8.52%. Market capitalisation stands at $4.1B.
Balance sheet quality for CVBF: debt-to-equity ratio of 0.37, current ratio of 0.36 over the last 12 months. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 14.63 |
| Price / Book | 1.29 |
| EV / EBITDA | 13.5 |
| Dividend Yield | 3.46% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| CVBF | CVB Financial Corp. | $4.1B | 14.63 | 1.29 | 8.5% |
| OZK | Bank OZK | $5.7B | 8.72 | 0.95 | 10.9% |
| FFBC | First Financial Bancorp. | $3.5B | 11.58 | 1.18 | 10.2% |
| TOWN | TowneBank | $3.4B | 10.43 | 1.10 | 12.4% |
| FBNC | First Bancorp | $2.7B | 16.41 | 1.57 | 9.7% |
| CBU | Community Bank System, Inc. | $3.4B | 14.56 | 1.68 | 11.5% |
| PFS | Provident Financial Services, Inc. | $3.1B | 9.89 | 1.07 | 10.8% |
| FBK | FB Financial Corporation | $2.7B | 12.19 | 1.42 | 12.0% |
Price
| Price | $23.11 (closing price, November 2, 2026) |
| Market Cap | $4.1B |
| Exchange | NASDAQ |
| Country | US |
Profitability
| Return on Equity | 8.52% |
| Return on Invested Capital | 4.85% |
| Return on Assets | 1.13% |
| Gross Margin | 81.36% |
| Operating Margin | 40.26% |
| Net Margin | 29.80% |
Related companies: OZK · FFBC · TOWN · FBNC · CBU · PFS · FBK · PRK
Explore sector: Financial Services · Banks - Regional
More sections of CVBF: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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