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CVB FinancialFRA:BCV +2.09%63 Debt-to-Equity is 0.22 as of Mar. 2026, which is 175% above its 10-year median of 0.08. GuruFocus rates FRA:BCV with a GF Score™ of 63/100 and a GF Value™ of €17.86. The stock has 4 warning signs investors should review. Among 1,422 Banks companies, CVB Financial ranks better than 80.66% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for CVB Financial's Debt-to-Equity or its related term are showing as below:
FRA:BCV'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0 Med: 0.08 Max: 1
Current: 0.17
During the past 13 years, the highest Debt-to-Equity Ratio of CVB Financial was 1.00. The lowest was 0.00. And the median was 0.08.
FRA:BCV's Debt-to-Equity is ranked better than 80.66% of 1422
companies
in the Banks industry
Industry Median: 0.58
vs FRA:BCV: 0.17
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
CVB Financial Debt-to-Equity Related Terms
CVB Financial Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for CVB Financial's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:BCV vs WSBC, RNST, BANF: Debt-to-Equity Comparison
For the Banks - Regional subindustry, CVB Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
CVB Financial Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, CVB Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where CVB Financial's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CVB Financial (FRA:BCV) has a Debt-to-Equity of 0.22 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on CVB Financial and its competitors. This is 175% above median its historical median of 0.08. According to the industry distribution chart, CVB Financial ranks #275 out of 1422 companies in the Banks industry, placing it in the top 19.3%.
Is CVB Financial's Debt-to-Equity too high?
CVB Financial's current Debt-to-Equity of 0.22 is 175% above median its 10-year median of 0.08. The Banks industry median Debt-to-Equity is 0.58. CVB Financial's value of 0.22 is 62.1% below this industry median. Based on the distribution chart, CVB Financial ranks #275 out of 1422 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, CVB Financial has a GF Score™ of 63/100, reflecting its overall financial health beyond just this single metric.
How does CVB Financial's Debt-to-Equity compare to WSBC and RNST?
According to the Banks industry distribution chart, CVB Financial ranks #275 out of 1422 companies for Debt-to-Equity. This places CVB Financial in the top 19% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. CVB Financial's value of 0.22 is 62.1% below this benchmark. While the company's 10-year median is 0.08 vs. the industry median of 0.58, CVB Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CVB Financial's current Debt-to-Equity of 0.22 is 62.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on CVB Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CVB Financial's current Debt-to-Equity is 0.22, which is 175% above median its own 10-year median of 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CVB Financial stock overvalued right now?
CVB Financial (FRA:BCV) has a current Debt-to-Equity of 0.22. The stock's GF Value™ is €17.86, compared to a current price of €19.50 — trading 9.2% above its estimated fair value. The current Debt-to-Equity is 0.22, which is 175% above median its 10-year median of 0.08 and 62.1% below the Banks industry median of 0.58. CVB Financial's overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For CVB Financial (FRA:BCV), the current Debt-to-Equity is 0.22 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is CVB Financial (FRA:BCV) Overvalued in 2026?
Based on GuruFocus' analysis, CVB Financial stock appears to be overvalued.
The current stock price of €19.50 is trading 9.2% above its estimated GF Value™ of €17.86.
Key valuation signals for FRA:BCV:
Debt-to-Equity: 0.22 (175% above median its 10-year median of 0.08)
GF Value™: €17.86 vs. price of €19.50 (9.2% above fair value)
Industry Position: 62.1% below the Banks median (#275 of 1422)
No single metric tells the full story. See the FRA:BCV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CVB Financial Corp is the holding company for Citizens Business Bank. Citizens Business Bank offers banking, lending, and investing services. It provides a full complement of lending products, including commercial, agribusiness, consumer, SBA, real estate, and construction loans, as well as equipment and vehicle leasing. Commercial products include lines of credit and other working capital financing, accounts receivable lending and letters of credit. It is a community bank with one reportable operating segment.
63GF Score
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