US · CVBF
CVB Financial Corp.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Ontario, CA 91764
- Website
- cbbank.com
Price · as of 2025-12-31
$20.45
Market cap 2.61B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $33.03 | +61.52% |
| Intrinsic Value(DCF) | $17.31 | -15.35% |
| Graham-Dodd Method(GD) | $18.72 | -8.46% |
| Graham Formula(GF) | $8.87 | -56.61% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $6.78 | $24.90 | $7.10 | $5.05 | $0.00 |
| 2012 | $7.07 | $23.93 | $15.96 | $4.08 | $0.92 |
| 2013 | $10.85 | $26.07 | $18.01 | $7.12 | $1.48 |
| 2014 | $10.98 | $26.62 | $22.77 | $6.55 | $19.76 |
| 2015 | $12.07 | $23.72 | $22.56 | $5.79 | $9.42 |
| 2016 | $16.71 | $26.05 | $20.22 | $5.91 | $9.50 |
| 2017 | $18.01 | $27.80 | $19.34 | $5.66 | $15.43 |
| 2018 | $16.33 | $26.53 | $16.54 | $7.85 | $39.31 |
| 2019 | $14.69 | $29.34 | $15.06 | $6.72 | $47.65 |
| 2020 | $20.39 | $43.54 | $21.10 | $5.54 | $3.61 |
| 2021 | $19.89 | $41.32 | $30.82 | $7.50 | $9.47 |
| 2022 | $18.89 | $28.13 | $25.59 | $5.68 | $46.28 |
| 2023 | $16.25 | $26.57 | $20.86 | $5.38 | $41.19 |
| 2024 | $18.65 | $26.62 | $15.49 | $5.39 | $10.40 |
| 2025 | $19.56 | $33.03 | $15.90 | $18.72 | $8.87 |
AI valuation
Our deep-learning model estimates CVB Financial Corp.'s (CVBF) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $33.03
- Current price
- $20.45
- AI upside
- +61.52%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$17.31
-15.35% upside
Graham-Dodd
$18.72
-8.46% upside
Graham Formula
$8.87
-56.61% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CVBF | CVB Financial Corp. | $20.45 | 2.61B | +62% | -15% | -8% | -57% | 12.86 | 1.17 | 4.18 | 3.17 | 231.49 | 1.77 | 79.87% | 43.78% | 32.53% | 9.34% | 13.19% | 1.36% | 0.43 | 2.12 | 0.23 | 0.23 | 3.13 | 556.00% | -233.00% | -2007.00% | 7.26% | 0.02 | 12.32% | 0.00% | 0.00% | 0.00% | 3.17 | 4.56 | 1.39 | -0.48 |
| BANC | Banc of California, Inc. | $18.47 | 2.87B | +29% | +3% | +2% | -61% | 12.42 | 0.80 | 1.57 | -3.45 | 9.78 | 0.88 | 58.70% | 17.98% | 12.65% | 6.50% | 115.77% | 0.67% | 0.85 | 0.47 | 0.26 | 0.26 | 1.78 | 12692.00% | -331.00% | 57855.00% | 15.35% | 0.02 | 212.21% | 3.65% | 45.30% | 3.78% | -4.21 | -3.14 | -0.76 | -0.60 |
| BOH | Bank of Hawaii Corporatio… | $75.77 | 3.01B | -33% | -3% | -62% | -10% | 15.04 | 1.67 | 2.86 | 7.17 | 44.87 | 1.70 | 67.44% | 26.75% | 19.00% | 11.70% | 57.25% | 0.86% | 0.05 | 0.83 | 11.00 | 11.00 | -2.73 | 3353.00% | 525.00% | 919.00% | 5.95% | 2.36 | 46.30% | 3.65% | 54.90% | 30.97% | 7.74 | 12.17 | 2.07 | 0.34 |
| FFBC | First Financial Bancorp. | $28.07 | 2.94B | +24% | +2% | -43% | +4% | 10.47 | 0.97 | 2.12 | -0.83 | 96.64 | 1.73 | 68.43% | 25.51% | 20.30% | 9.82% | -3313.74% | 1.29% | 0.43 | 0.89 | 0.28 | 0.28 | 2.94 | 1083.00% | 275.00% | 3153.00% | 11.85% | 0.02 | -4111.03% | 3.54% | 37.00% | 3.54% | -0.89 | -0.90 | -0.23 | -0.41 |
| PFS | Provident Financial Servi… | $21.04 | 2.75B | +36% | +500% | +56% | +201% | 9.64 | 0.99 | 2.03 | 4.78 | 8.58 | 1.37 | 62.69% | 29.52% | 21.06% | 10.72% | 14.47% | 1.19% | 0.89 | 0.80 | — | — | 5.65 | 11238.00% | 2125.00% | 133.00% | 15.34% | — | 21.41% | 0.00% | 0.00% | 0.00% | 4.78 | 4.53 | 1.41 | 0.42 |
| SBCF | Seacoast Banking Corporat… | $31.12 | 3.04B | +47% | +5% | -0% | -20% | 19.51 | 0.92 | 3.25 | -6.34 | 173.15 | 1.55 | 61.57% | 21.45% | 16.66% | 5.53% | -33.73% | 0.80% | 0.44 | 0.66 | 0.40 | 0.40 | 6.19 | 1127.00% | 749.00% | 7584.00% | 10.94% | 0.02 | -71.99% | 0.00% | 0.00% | 0.00% | -6.34 | -3.82 | -1.36 | -0.26 |
| SFNC | Simmons First National Co… | $19.91 | 2.88B | -0% | -22% | — | +542% | -7.32 | 0.85 | 4.65 | 0.20 | — | 1.45 | 5.80% | -84.18% | -63.43% | -11.44% | -26.44% | -1.55% | 0.19 | -1.01 | 0.86 | 0.86 | -0.55 | -34380.00% | -5666.00% | 814.00% | 14.13% | 0.10 | 27.36% | 3.95% | -28.90% | 10.83% | 0.18 | -0.23 | -0.15 | 0.06 |
| TOWN | TowneBank | $34.26 | 2.62B | +64% | -14% | +2% | -57% | 15.65 | 1.10 | 2.63 | 13.18 | 560.69 | 1.53 | 69.58% | 20.86% | 16.82% | 7.43% | 9.56% | 0.92% | 0.15 | 0.74 | 0.10 | 0.02 | 0.56 | 279.00% | -161.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 13.18 | — | 2.75 | -0.48 |
| TRMK | Trustmark Corporation | $42.59 | 2.55B | -37% | +160% | -21% | +261% | 11.68 | 1.23 | 2.34 | 3.65 | 605.87 | 1.47 | 70.96% | 25.51% | 20.01% | 10.98% | 36.00% | 1.21% | 0.53 | 0.91 | 0.73 | 0.73 | 1.38 | 193.00% | 3475.00% | 16256.00% | 8.86% | 0.07 | 37.25% | 2.23% | 26.10% | 5.29% | 4.16 | 5.13 | 1.06 | 0.29 |
| WAFD | WaFd, Inc. | $31.16 | 2.38B | +7% | +11% | -9% | -40% | 11.31 | 0.84 | 1.81 | 3.68 | 217.42 | 0.98 | 50.90% | 20.54% | 16.03% | 7.49% | 15.33% | 0.83% | 0.60 | 0.42 | 0.15 | 0.15 | 3.87 | 520.00% | -158.00% | -4977.00% | 8.15% | 0.01 | 14.12% | 3.88% | 43.90% | 7.87% | 3.80 | 5.29 | 0.78 | -0.62 |
About CVB Financial Corp.
CVB Financial Corp. operates as a bank holding company for Citizens Business Bank, a state-chartered bank that provides banking and financial services to small to mid-sized businesses and individuals. It offers checking, savings, money market, and time certificates of deposit products for business and personal accounts; and serves as a federal tax depository for business customers. The company 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; and consumer financing products, including automobile leasing and financing, lines of credit, credit cards, home mortgages, and home equity loans and lines of credit. In addition, it offers various specialized services, such as treasury management systems for monitoring cash flow, 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. Further, the company provides trust services through its CitizensTrust Division, such as fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. As of December 31, 2021, it operated 58 banking centers located in the Inland Empire, Los Angeles County, Orange County, San Diego County, Ventura County, Santa Barbara County, and the Central Valley area of California; and three trust offices located in Ontario, Newport Beach, and Pasadena, as well as two loan production offices in California's Central Valley and the Sacramento area. The company was founded in 1974 and is headquartered in Ontario, California.
- CEO
- David A. Brager
- Employees
- 1.09K
- Beta
- 0.68
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($17.31 ÷ $20.45) − 1 = -15.35% (DCF, example).