NASDAQ: CVBF · Regional Banks
CVB Financial (CVBF) fair value: undervalued or overvalued?
As of 26 Sep 2026, Faircurve's model values CVB Financial (CVBF) at $15.26 a share. The stock last closed at $22.28, which puts the model's fair value 31.5% below the price. On the model's bands that reads as Overvalued.
Revalued . Price is the close of 2 Oct 2026. CVB Financial Corp.
Faircurve Insights · 26 Sep 2026
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.
Faircurve's model valued CVB Financial Corp. (CVBF) at $15.26 a share on 26 Sep 2026, the midpoint of 2,000 simulations. This fair value moved -2.1% from the previous run on 19 Sep 2026, which gave $15.58. The model's calibrated range over 63 trading days is $12.80 to $18.61, built from the fair value, and held the price 60% of the time at this horizon. The evidence grade is High.
The model compares CVB Financial Corp. (CVBF) with Community Bank System, Inc. (CBU), Park National Corporation (PRK), BankUnited, Inc. (BKU), Simmons First National Corporation (SFNC), First Hawaiian, Inc. (FHB), First Financial Bancorp. (FFBC), and Provident Financial Services, Inc. (PFS). The stock's moves around the last 8 earnings reports ranged from -5.0% to +8.8%, with a median size of 1.9%.
Written from the figures on this page for the 26 Sep 2026 valuation and checked by rule before publishing: every number is one printed here, no forecast, no instruction. The price, the gap and the verdict are the page's own and change daily. Not a recommendation.
What price range does the model give CVBF?
The calibrated range for CVBF over 63 trading days is $12.80 to $18.61. There is no live options data for this stock, so the range is built from the fair value and calibrated weekly against realised prices (n = 4,327 past valuations, refreshed 26 Sep 2026). Ranges built this way held the price 60% of the time at this horizon.
The price is above this range. For names with fair value 15%+ below price, the calibrated range has held the price 40% of the time over 63 trading days, and 58% ended above it; the typical move was −0.1%.
The model's own simulated range, from the 20th to the 80th percentile of its runs, is $11.84 to $19.30. In 8% of the simulations the fair value came out above the price the model ran on.
How does CVBF compare with similar companies?
The companies in regional banks closest to CVB Financial in market value, each on the same model and the same date.
| Company | Last close | Model fair value | Gap | Model verdict |
|---|---|---|---|---|
| CBU Community Bank System, Inc. | $60.69 | $40.50 | -33.3% | Overvalued |
| SBCF Seacoast Banking Corporation of Florida | $32.68 | $20.95 | -35.9% | Low evidence grade |
| PRK Park National Corporation | $183.15 | $134.97 | -26.3% | Overvalued |
| BKU BankUnited, Inc. | $43.38 | $45.97 | +6.0% | Fairly valued |
| SFNC Simmons First National Corporation | $22.90 | $20.44 | -10.7% | Overvalued |
| FHB First Hawaiian, Inc. | $25.26 | $23.23 | -8.0% | Overvalued |
| FFBC First Financial Bancorp. | $31.87 | $27.78 | -12.8% | Fairly valued |
| PFS Provident Financial Services, Inc. | $22.58 | $23.93 | +6.0% | Fairly valued |
When does CVBF report earnings, and how has the stock reacted?
CVB Financial's next earnings report is scheduled for 28 Oct 2026. Companies can move their dates.
How CVBF moved around its last 8 earnings reports
Each move runs from the last close before the report to the first close after it, so it covers companies that report before the open and after the close. The median size across these 8 reports, ignoring direction, was 1.9%.
| Report date | Two session move |
|---|---|
| 22 Jul 2026 | -0.3% |
| 22 Apr 2026 | -0.4% |
| 21 Jan 2026 | +4.9% |
| 22 Oct 2025 | -0.4% |
| 23 Jul 2025 | -5.0% |
| 23 Apr 2025 | +8.8% |
| 22 Jan 2025 | -0.4% |
| 23 Oct 2024 | +3.3% |
CVB Financial at a glance
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.
- Market value
- $3.2B
- Sector
- Financial Services
- Industry
- Regional Banks
- Consensus revenue growth, next fiscal year
- +8.8%
- Analysts with estimates
- 5
- Beta to the US market
- 0.51
- First valued by Faircurve
- 11 Jul 2026
How the fair value is worked out: the model prices CVB Financial on the share price against the net assets on the balance sheet, adjusted for the earnings analysts expect (price to book value), runs 2,000 simulations across its inputs and takes the midpoint. The full method is documented here.
What changed in the latest valuation?
On 19 Sep 2026 the model's fair value for CVBF was $15.58. As of 26 Sep 2026 it is $15.26, a change of -2.1%. The model revalues every stock it covers each week, and again after an earnings report.
Questions about CVB Financial's valuation
Is CVB Financial stock undervalued or overvalued?
On Faircurve's model, CVBF reads as Overvalued as of 26 Sep 2026. The model's fair value is $15.26 a share against a last close of $22.28, a gap of -31.5%.
What is CVBF's fair value?
$15.26 a share as of 26 Sep 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $11.84 to $19.30.
What price range does the model give CVBF?
$12.80 to $18.61 over 63 trading days. Ranges built this way held the price 60% of the time across 4,327 past valuations, refreshed 26 Sep 2026.
When does CVB Financial report earnings next?
The next report is scheduled for 28 Oct 2026. Companies can move their dates.
How much has CVBF moved on past earnings reports?
Across its last 8 reports the median two session move was 1.9%, ignoring direction. The largest was +8.8% around the report of 23 Apr 2025.
How confident is the model in this valuation?
The model's evidence grade for CVBF is high. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It is not a probability that the fair value is right, or that the price reaches it.