CVB FinancialCVBF +0.86%60 FCF Margin % is 46.36% as of Mar. 2026, which is 11% above its 10-year median of 41.94. GuruFocus rates CVBF with a GF Score™ of 60/100 and a GF Value™ of $21.32 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,503 Banks companies, CVB Financial ranks better than 72.39% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. CVB Financial's Free Cash Flow for the
three
months ended in Mar. 2026 was $61.2 Mil. CVB Financial's Revenue for the
three
months ended in Mar. 2026 was $132.1 Mil. Therefore, CVB Financial's FCF Margin % for the quarter that ended in Mar. 2026 was 46.36%.
The historical rank and industry rank for CVB Financial's FCF Margin % or its related term are showing as below:
CVBF'
s FCF Margin % Range Over the Past 10 Years
Min: 38.25 Med: 41.94 Max: 53.19
Current: 45.57
During the past 13 years, the highest FCF Margin % of CVB Financial was 53.19%. The lowest was 38.25%. And the median was 41.94%.
CVBF's FCF Margin % is ranked better than 72.39% of 1503
companies
in the Banks industry
Industry Median: 26.57
vs CVBF: 45.57
CVB Financial FCF Margin % Related Terms
CVB Financial FCF Margin % Historical Data
* Premium members only.
The historical data trend for CVB Financial's FCF Margin % 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.
For the Banks - Regional subindustry, CVB Financial's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, CVB Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where CVB Financial's FCF Margin % 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 (CVBF) has a FCF Margin % of 46.36% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on CVB Financial and its competitors. This is 11% above median its historical median of 41.94. Over the past decade, CVB Financial's FCF Margin % has ranged from 38.25 to 53.19. According to the industry distribution chart, CVB Financial ranks #415 out of 1503 companies in the Banks industry, placing it in the top 27.6%.
Is CVB Financial's FCF Margin % too high?
CVB Financial's current FCF Margin % of 46.36% is 11% above median its 10-year median of 41.94. Over the past 10 years, this metric has ranged from a low of 38.25 to a high of 53.19. The Banks industry median FCF Margin % is 26.57. CVB Financial's value of 46.36% is 74.5% above this industry median. Based on the distribution chart, CVB Financial ranks #415 out of 1503 companies in the Banks industry, which is above the industry midpoint. Overall, CVB Financial has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does CVB Financial's FCF Margin % compare to RNST and WSFS?
According to the Banks industry distribution chart, CVB Financial ranks #415 out of 1503 companies for FCF Margin %. This puts CVB Financial in the upper half of its industry. The industry median FCF Margin % is 26.57. CVB Financial's value of 46.36% is 74.5% above this benchmark. Historically, CVB Financial's own FCF Margin % has ranged from 38.25 to 53.19 over the past decade. While the company's 10-year median is 41.94 vs. the industry median of 26.57, CVB Financial has consistently been above 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.57, based on 1,503 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CVB Financial's current FCF Margin % of 46.36% is 74.5% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on CVB Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CVB Financial's current FCF Margin % is 46.36%, which is 11% above median its own 10-year median of 41.94. 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?
Based on GuruFocus' analysis, CVB Financial (CVBF) is currently considered Fairly Valued. The stock's GF Value™ is $21.32, compared to a current price of $22.37 — trading 4.9% above its estimated fair value. The current FCF Margin % is 46.36%, which is 11% above median its 10-year median of 41.94 and 74.5% above the Banks industry median of 26.57. CVB Financial's overall GF Score™ is 60/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For CVB Financial (CVBF), the current FCF Margin % is 46.36% 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 (CVBF) Overvalued in 2026?
Based on GuruFocus' analysis, CVB Financial stock appears to be overvalued.
The current stock price of $22.37 is trading 4.9% above its estimated GF Value™ of $21.32.
GuruFocus considers CVB Financial to be Fairly Valued.
Key valuation signals for CVBF:
FCF Margin %: 46.36% (11% above median its 10-year median of 41.94)
GF Value™: $21.32 vs. price of $22.37 (4.9% above fair value)
Industry Position: 74.5% above the Banks median (#415 of 1503)
No single metric tells the full story. See the CVBF 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.
60GF Score
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