CVB Financial Corporation Common Stock (CVBF)

FairStock Score: 61/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

CVB Financial is a regional bank, so I start with book value, returns on equity and credit quality. At the 2026-10-13 close of $21.48, it trades at 1.19 times book and 15.02 times earnings, with a 3.72% dividend yield and a low beta of 0.67. The 7.65% ROE is modest; I prefer banks that earn above 10% on equity. Earnings have been uneven: in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $48.3M and diluted EPS $0.29; in fiscal Q1 2026, net income was $51.0M and EPS $0.38; in fiscal Q3 2025, net income was $52.6M and EPS $0.38. For full fiscal 2025, net income was $209.3M and EPS $1.52, up from $200.7M and $1.44 in fiscal 2024, but below $221.4M and $1.59 in fiscal 2023. The FairStock Lynch category is SLOW GROWER, based on profit growth of 3.4% a year over five years, and the Piotroski F-Score is 4/9. The bank's niche serving small and mid-sized businesses can build sticky deposit relationships, but regional banking is competitive and credit-sensitive. I cannot judge CET1, net interest margin, nonperforming loans, loan-loss reserves or combined ratio because they are not in the data. A FairStock Score of 61/100 and P/B of 1.19 suggest the price is not a bargain, but not egregious. This looks like a steady, dividend-paying bank that needs better returns and cleaner earnings growth to deserve enthusiasm.

In plain English: CVB Financial is a California bank holding company that takes deposits and makes loans mainly to small and mid-sized businesses. Its profits have been uneven and its return on shareholder money is modest, so the business looks steady rather than fast-growing. At the recent price, it looks roughly fair rather than clearly cheap or expensive.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer