CVB Financial (FRA:BCV) Moat Score: 5/10 (As of Jul. 11, 2026)


FRA:BCV CVB Financial Corp FRA:BCV
61 GF Score
Price €19.10
GF Value €18.03
! 4 Warning Signs
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What is CVB Financial Moat Score?

CVB Financial FRA:BCV +1.06% 61 Moat Score is 5 as of Jul. 11, 2026. GuruFocus rates FRA:BCV with a GF Score™ of 61/100 and a GF Value™ of €18.03. The stock has 4 warning signs investors should review. Among 1,608 Banks companies, CVB Financial ranks better than 94.03% on this metric.

CVB Financial has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

CVB Financial has Narrow Moat: CVBF has a solid narrow moat due to its regional banking presence and customer loyalty. However, it faces competition and lacks significant cost advantages or regulatory barriers.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes CVB Financial might have Narrow Moat - Solid narrow moat.

CVB Financial  (FRA:BCV) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

CVB Financial Moat Score Related Terms

FRA:BCV vs RNST, WSFS, FBP: Moat Score Comparison

For the Banks - Regional subindustry, CVB Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, CVB Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where CVB Financial's Moat Score falls into.


FRA:BCV
61GF Score
CVB Financial Corp FRA:BCV
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
CVB Financial (FRA:BCV) has a Moat Score of 5 as of Jul. 11, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, CVB Financial ranks #96 out of 1608 companies in the Banks industry, placing it in the top 6%.
Is CVB Financial's Moat Score too high?
CVB Financial's current Moat Score is 5. Based on the distribution chart, CVB Financial ranks #96 out of 1608 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 61/100, reflecting its overall financial health beyond just this single metric.
How does CVB Financial's Moat Score compare to RNST and WSFS?
According to the Banks industry distribution chart, CVB Financial ranks #96 out of 1608 companies for Moat Score. This places CVB Financial in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. CVB Financial's current Moat Score is 5. 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 Moat Score of 5. The stock's GF Value™ is €18.03, compared to a current price of €19.10 — trading 5.9% above its estimated fair value. The current Moat Score is 5. CVB Financial's overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For CVB Financial (FRA:BCV), the current Moat Score is 5 as of Jul. 11, 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 €19.10 is trading 5.9% above its estimated GF Value™ of €18.03.

Key valuation signals for FRA:BCV:

  • Moat Score: 5
  • GF Value™: €18.03 vs. price of €19.10 (5.9% above fair value)
  • GF Score™: 61/100 with 4 warning signs

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 Business Description

Other Exchanges CVBF:USA
Address 701 North Haven Avenue, Suite 350, Ontario, CA, USA, 91764
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.
61GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€19.10
Price
€18.03
GF Value