CVB FinancialFRA:BCV +1.06%61 PB Ratio is 1.29 as of Jul. 11, 2026, which is 13% below its 10-year median of 1.48. 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 1,515 Banks companies, CVB Financial ranks worse than 66.86% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-11), CVB Financial's share price is €19.10. CVB Financial's Book Value per Share for the quarter that ended in Mar. 2026 was €14.79. Hence, CVB Financial's PB Ratio of today is 1.29.
The historical rank and industry rank for CVB Financial's PB Ratio or its related term are showing as below:
FRA:BCV'
s PB Ratio Range Over the Past 10 Years
Min: 0.78 Med: 1.48 Max: 2.6
Current: 1.32
During the past 13 years, CVB Financial's highest PB Ratio was 2.60. The lowest was 0.78. And the median was 1.48.
FRA:BCV's PB Ratio is ranked worse than 66.86% of 1515
companies
in the Banks industry
Industry Median: 1.1
vs FRA:BCV: 1.32
During the past 12 months, CVB Financial's average Book Value Per Share Growth Rate was 6.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 2.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 6.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of CVB Financial was 21.70% per year. The lowest was -0.70% per year. And the median was 9.35% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
CVB Financial PB Ratio Related Terms
CVB Financial PB Ratio Historical Data
* Premium members only.
The historical data trend for CVB Financial's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, CVB Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where CVB Financial's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
CVB Financial's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
CVB Financial (FRA:BCV) has a PB Ratio of 1.29 as of Jul. 11, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on CVB Financial and its competitors. This is 13% below median its historical median of 1.48. Over the past decade, CVB Financial's PB Ratio has ranged from 0.78 to 2.60. According to the industry distribution chart, CVB Financial ranks #1013 out of 1515 companies in the Banks industry, placing it in the top 66.9%.
Is CVB Financial's PB Ratio too high?
CVB Financial's current PB Ratio of 1.29 is 13% below median its 10-year median of 1.48. Over the past 10 years, this metric has ranged from a low of 0.78 to a high of 2.60. The Banks industry median PB Ratio is 1.10. CVB Financial's value of 1.29 is 17.3% above this industry median. Based on the distribution chart, CVB Financial ranks #1013 out of 1515 companies in the Banks industry, which is below the industry midpoint. 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 PB Ratio compare to RNST and WSFS?
According to the Banks industry distribution chart, CVB Financial ranks #1013 out of 1515 companies for PB Ratio. This places CVB Financial in the lower half of its industry. The industry median PB Ratio is 1.10. CVB Financial's value of 1.29 is 17.3% above this benchmark. Historically, CVB Financial's own PB Ratio has ranged from 0.78 to 2.60 over the past decade. While the company's 10-year median is 1.48 vs. the industry median of 1.10, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CVB Financial's current PB Ratio of 1.29 is 17.3% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on CVB Financial and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CVB Financial's current PB Ratio is 1.29, which is 13% below median its own 10-year median of 1.48. 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 PB Ratio of 1.29. 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 PB Ratio is 1.29, which is 13% below median its 10-year median of 1.48 and 17.3% above the Banks industry median of 1.10. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For CVB Financial (FRA:BCV), the current PB Ratio is 1.29 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:
PB Ratio: 1.29 (13% below median its 10-year median of 1.48)
GF Value™: €18.03 vs. price of €19.10 (5.9% above fair value)
Industry Position: 17.3% above the Banks median (#1013 of 1515)
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.
61GF Score
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